23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. 

Please block and remove all erroneous information from my credit report and send me an updated copy. 

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within XXXX business days of completion. Failure to do so constitutes a violation of my rights. 

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed.

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!.

Collection Accounts listed below in yellow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.

Please update my credit report as per law abiding accuracy of data.
Product: Debt collection

On XX/XX/XXXX my husband and I refinanced a motorhome with XXXX XXXX  XXXXfor the amount of {$97000.00}. Soon after, XXXX  sold our loan to Bank of the West. My husband and I divorced in XXXX XXXX, and in our formal marital settlement agreement he kept the motorhome and Bank of the West took an active role in changing the registration and title into his name only. However, my online access to the account remained active, and I saw that for 7 1/2 years there was never a missed or late payment. 
Suddenly in XX/XX/XXXX, I received an alert on XXXX XXXX of derogatory information on my credit report. I investigated enough to find out that Bank of the West indicated a default and repossession. I was shocked, as the payments were still completely up to date. I can not be in communication with my ex-husband for my own safety, so I attempted to get information from Bank of the West, who at first would not give me any information. After numerous attempts, I finally reached someone who advised me that the motorhome was repossessed and had already gone to auction! I asked why I was never advised before this happened, and they claimed they didn't have my information. This is clearly a lie, as every document they produced had my correct address, and they also verified a correct phone. They then told me they would send me an explanation of deficiency when it was prepared. I advised that I would have taken over the payments to keep the motorhome, had I been contacted, but it was now too late. 
I never heard any more from Bank of the West, but on XX/XX/XXXX, I received a demand letter for {$33000.00} from XXXX XXXX, a collection agency. When I wrote back to XXXX XXXX requesting evidence of this debt, I was sent documentation indicating that Bank of the West basically " gave away '' this {$60000.00} motorhome at auction for {$26000.00}, and now will sue me for the {$33000.00} balance owed. In that same documentation, Bank of the West indicated my correct address on every page, yet they mailed both the Notice of Plan to Sell Property and the Explanation of Deficiency and Demand for Payment to some XXXX XXXX XXXX XXXX, Florida. I never received any information on this, yet the collection agency seemed to find my correct address with no problem. 
I am a XXXX senior on social security now being victimized by this bank, who sold this property they claim is my responsibility without allowing me the opportunity to claim it, and now is demanding XXXX XXXX XXXX of dollars for something I can not own.
Product: Mortgage

The loan closed on XXXX XXXX I was told the funds would be wired. Part of the loan agreement was for a previous loan to be paid off. It was paid off but not until XXXX XXXX. so for 20 days I paid interest on two accounts I called several times and was told that the Payoff would be backdated to the origination date of the loan. That did not happen. I was also charged a wire fee of {$20.00} from bank to bank ..and these are two banks that are sister banks. Theyre both coming under the umbrella of Truist ..bbt and sun trust The loan payoff was not wired it was sent by check therefore it went into the mail
Product: Mortgage

My home was damaged from Hurricane Ian. We were finally issued our claim funds and PennyMac will not issue funds so we can continue our process. We were issued 2 checks that are both spent to contractors to do work. We are in the process of getting our roof replaced next and I need additional funds to be released to pay them the balance or I will be charged 11 % interest which is unnecessary since the money is there. I pay my mortgage on time every single month and have not once asked for any kind of assistance from you. The insurance premiums are paid by ME and this is the reason I pay insurance so I can be protected. I have waited 7 LONG months to start the process of rebuilding and I can not continue without funds. I have already spent more than I can afford out of my own pocket and I do not have any more available. If I could pay for all of this myself I would not need insurance and/or a mortgage and I would not wait this long to have my home fixed. i have always been cooperative, I have sent copies of contracts and have done inspections so you can see I am using the money to fix my home. I need to get my home fixed so i can begin living a normal life again after 7 months.
Product: Debt collection

In XXXX XXXX, I received a letter about a debt stemming from a XXXX XXXX bill. The account was reported shortly after to the credit bureaus. When I called up to discuss a settlement offer, the rep told me that if I settled the debt it would be removed from my credit report. This seemed legit as this was noticed following a XXXX XXXX XXXX collect account. After debt was paid, company is unwilling to stop reporting as the rep indicated it would be the case. The rep used false promises to get me to pay the debt.
Product: Debt collection

Received a debt collection from Jefferson capital saying I owed money to XXXX on the amount of {$1200.00}. Culprit used my name and number but after calling XXXX I realized they used a different email. XXXX. XXXX collection says that the account was closed in XX/XX/2019. I received no mail from XXXX before it went to Jefferson Capital.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I sent a letter and information via certified mail to XXXX, XXXX, and Transunion. I disputed a collection from XXXX XXXX in the amount of XXXX that appeared on my credit reports. The dispute was based on the fact that XXXX XXXX never proved debt validation and was in violation of the FDCPA, section 809 ( b ) So, I asked XXXX, XXXX, and Transunion to investigate the matter and the results came back verified. Next, on XX/XX/2019 I exercised my rights under 611 ( a ( 6 ) B ( iii ) and requested XXXXXXXX XXXX, XXXXXXXX XXXX, and Transunion 's method of verification and it came back verified again. 

XXXX, XXXX, and Transunion failed to provide their method of verification for XXXX XXXX # XXXX as requested on XX/XX/2019, under FCRA guidelines. I believe this account should be deleted because XXXX, XXXX, and Transunion all failed to comply with the FCRA 611 ( a ) ( 6 ) B ( iii ) They did provide a single document bearing my signature, showing that I have a legally binding contractual agreement to pay XXXX XXXX the XXXX that was allegedly owed, neither did they provide specific names, addresses, or telephone numbers of persons contacted regarding this alleged account.
Product: Credit reporting or other personal consumer reports

Year of 2019 purchased a vehicle with Infiniti as the cobuyer, finance manager informed me my name would be taken off in 6 months, XXXX XXXX is the primary buyer, nissan which is who the loan is with falsified my name as the primary owner because they could not find XXXX XXXX, they REPO the vehicle after it was stolen for 60 days, they did not contact me or XXXX XXXX to buy back, they waited 3 years to reach out and tell me i owe them around XXXX when they sold the vehicle and never given proof of sale or who they sold it too. This is all against the law, they been harrassing me making threats, reporting late payments on my credit when i do not even have the vehicle or loan with them. They first closed the account and reported it was resolved, then they sold the account to another creditor thats been harrassing me also making threats. Ive tried to resolve the issue by asking for proof but now its past the 3 year mark and they have to remove this off my credit. they are reporting late payments when they sold the vehicle on whatever date they sold it because again i do not even have that information. I reached out to XXXX XXXX and they have it on his credit too. So they are reporting late payments and also a debt on two persons credit, that is illegal in marland and they also did not contact XXXX XXXX about this. He has disputed it with XXXX and informed them that this is his loan.
Product: Debt collection

I was in a credit consolidation program and had to close the account because I lost my job and had to file XXXX  XXXX bankruptcy. Funds that I submitted each month were placed in a type of escrow to pay my creditors. These funds were held at the time I closed the account and not payed to creditors, but to the company itself, per the representative l spoke with. I was already paying a monthly fee to this company for their service.
Product: Credit card

I have been with Amex XXXX XXXX XXXX for 9 years. I had my card on automatic payments monthly. All of a sudden they need to do a financial review. I was surprised and thought it was a scammer trying to get my information. I've been scammed recently so I was apprehensive about providing any information. I get a mail recently saying my account was cancelled. I noticed my reward dollars that I rightfully earned was {$710.00}. Now I'm being told my card can not be re-instated and I can not get back my rewards. This is pathetic. Thats stealing. I earned the money back by spending using the card. Atleast give me the money and you can cancel the account all you want. This is theft at its highest level by a wealthy company. {$700.00} means a whole lot to me. I called and spoke to XXXX people this morning.. including XXXX, supervisor and I was told multiple different things from account closing due to lapse in account to failure to provide financial information. Was on the phone for over an hour being passed along from person to person.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries listed below were unfamiliar to me. Therefore, they are all unauthorized to pull my credit report. Also, the accounts mentioned below should have no records of being late for I have made my payments on time. These issues were addressed to both Creditors and Experian but until now, I have not heard any feedback from them. They have failed to comply with the FCRA law 's rule and all information was erroneous. 

XXXX XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX  Date of inquiry XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX ran a credit inquiry through Trans Union that I did not authorize. I have never heard of this company.
Product: Checking or savings account

XX/XX/2018 Chase closed my account due to bad checks that were sent to me. I was initially told that XXXX had to refuse checks in order for me to make sure my account can stay open. Representative never told me that I had to call back nor did I receive a letter stating that my account will be closed. 

XX/XX/2018 Spoke to Loss Prevention and they said account was closed and I can't open a new one.
Product: Money transfer, virtual currency, or money service

I have been unable to resolve an issue with the Boeing Employee Credit Union. 

XXXX months ago I initiated an ACH transfer from XXXX  XXXX XXXX to BECU. XXXX ACH transfers for a total amount of {$1200.00} were mis-directed to a wrong account in XXXX, XXXX and XXXX of 2023. 

BECU said the funds went to someone else 's account. I have provided evidence that I submitted the correct information for the funds to go to my account. The bank has refused to reverse the charges. I have records that include my bank account number and the incorrect bank account number at BECU. I also having tracing numbers. 

I have been working on this issue for XXXX months and multiple claims have been denied. I believe that their nonresponse and inability to correct what they ADMIT is a bank error are out of the bounds of acceptable business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I called Experian Consumer Services at the number given. I found myself interacting with a computer driven AI program. The program was very limited and terminated the call when none of the limited options fit my situation. Online efforts to access my account failed. The user name and password written in my log book where rejected as invalid. A phone number is required to reset the password. My cell number, which I have had since XXXX was not recognized. My land line, which I have had since XXXX was not recognized as being in the system. Logging in with XXXX log in information resulted in an error message that something had gone wrong. Therefore I had no choice but to write a letter to a company who clearly does not wish to speak with me. The letter is attached. I am confident this is not an isolated experience and that countless others have had this experience. Both XXXX and XXXX have been friendly, professional and helpful. It is only Experian who has choosen to isolate themselves from those they serve. I would simply ignore them and shop elsewhere, but unfortunately I need electricity from my local provider, XXXX XXXX. XXXX XXXX has an exclusive business relationship with Experian. Thus one has no choice but to attempt working with Experian.
Product: Payday loan, title loan, or personal loan

On XX/XX/2017 i make a huge mistake i had an emergency on my family so i decide to get a loan towards my vehicle tittle but i never thougt that this choice will be my nightmare because im being paying this loan i don't see the amount to lower it not even a dollat has to be something wrong with thi s agency can you please help me with this matter thank you
Product: Credit card or prepaid card

Chase cardmember dispute services has failed to provide me the consumer protection expected after I suffered a fraudulent charge. The charge was fraught with issues, to include being overcharged for the service ( {$750.00} charge added to the bill over what was invoiced and signed for ), the service not being completed, and being charged for an item on the invoice that I never received ( the invoiced garage door opener motor. ) I provided Chase with texts and emails with the service provider that detailed my struggle to resolve the issue ( the merchant refused to address my concerns. ) I provided chase with a statement from a witness present during the service. I provided chase with a third party inspection that detailed the substandard and unsafe work performed and that corroborated that a major component invoiced ( the motor ) had not been installed. I provided chase with receipts from my having the substandard work repaired and a proper motor installed. 

Chase 's format reply to me was : " We reviewed the information available and found that you either received the services or the merchant made them available for your use. '' That's quite impossible. I neither received the proper invoiced items nor the proper service from the merchant, and nothing was " made available for my use. '' The merchant refused to return to my home even once to inspect the work performed nor address my concerns. He disappeared. My unaddressed emails to the merchant and the independent inspection clearly showed that. 

Chase chose to serve themselves and protect their bottom line rather than protect their customer. It has been an absolutely soul sucking situation to deal with a cheating unscrupulous merchant, but even worse to be so let down by my card company on whom I depended to shield me from such fraud when using their card. 

I attach below the following : -The original SIGNED invoice - The made up, UNSIGNED invoice the merchant provided after it was demanded he substantiate the up-charge. ( note lack of sign off for satisfactory completion of work! ) - The inspection letter from a professional in the same field of work - The invoice for the work I had to perform to correct the substandard installation by the disputed merchant - Payment receipt for correction work - Chase dispute reply letter Transaction posting date : XX/XX/2018 Amount : {$5100.00} Disputed amount : {$2500.00} Note that the disputed amount is only for the costs I incurred in correcting the situation. I did receive a door from the merchant ( that was damaged and improperly installed but I didn't seek return of those funds. ). Mine was a just complaint, supported completely with invoices, inspections and receipts. I have additional data, not included here in the interest of space and time, that I am happy to provide should anyone even care to ask.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 2 medical collections that are paid in full and very old, these 2 collections should not be reporting. They are old and no money is owed, they were even PAID IN FULL years ago!!
Product: Checking or savings account

I started going into the hospital because of my spine my XXXX with my wallet attached was stolen I lost my XXXX in XXXX I have had to have my spine fused together I need my money someone drained my Robinhood debit card and they have done nothing I need help it's close to {$10000.00}
Product: Debt collection

I was contacted by XXXX XXXX XXXX XXXX on XX/XX/2024 ( Tuesday ), at XXXXXXXX XXXX central standard time regarding a debt with Toyota Financial Services. I did not get the representatives name, however I did inform her that I did not want to be contacted regarding this debt with any form of oral communication at the following number XXXX. I did inform the company that information regarding this debt, they can contact me through mail. I specifically told them to cease and desist all communication to the following number XXXX. I gave them my address and the representative, asked me what was the debt regarding and I informed of the type of debt, which I found to be peculiar that I was asked the nature of the debt. On, XX/XX/2024 ( Wednesday ) at XXXXXXXX XXXX central standard time, XXXX XXXX XXXX XXXX contacted me again at the following number, XXXX, regarding the same exact debt. I do not have the representative 's name. I informed the company that I spoke with someone on XX/XX/2024 and I told the representative that I have spoken with someone from their company to not contact me at the following number. The representative informed that she did not have the information noted and that it must have been another company that reached out to me. I told that she was mistaken and that I specifically told someone from her company not to contact me orally and that I only wanted to be contacted through mail.