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

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account for no reason my paypal email is XXXX please reinstate my account. Thank you
Product: Debt collection

I gave updated information regarding this fraudulent account ( account XXXX ) on my credit report that the debt collector requested. I'm aware that this is all that's needed to process this false account
Product: Credit reporting or other personal consumer reports

My credit report is showing a charged off account from Capital One auto, and I know according to the law I was supposed to receive a XXXX form when this debt was charged off by the IRS. Therefore I am requesting the XXXX form. In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have a right to privacy 15 USC section 604 ( A ) sec 2 a consumer reporting agency cant furnish my account without my written consent. According to 15 U.S Code 1681b A consumer report can be furnished if the consumer provides written consent. This ensures that consumers have control over who can access their personal credit information in which this case I did not provide, this account needs to be removed immediately.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.

Here are some of the accounts I have reported inaccurate, XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit. I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be REMOVE. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must REMOVE any information identified by the consumer as resulting from identity theft within four business days. 

To following information on my credit report is the result of identity theft and should be REMOVE : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts below has violated my rights. 15 USC 1681 section 602 A. states I have the right to privacy. 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. I demand both accounts to be removed from my credit profile immediately. Its against the law to disclose my information to a 3rd party consumer without my consent and furthermore there was never a 30 day investigation done to determine the accuracy and proper procedure. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Bank of America 's assistance line ( XXXX XXXX ) on XX/XX/XXXX after Hurricane Irma pass by Florida to get the disaster assistant help for my credit card payment. On that day one of the representative named XXXX told me that Bank of America was waiving the credit card payments until XX/XX/XXXX as a consideration for the people that were in the FEMA list of areas affected ( the zip code where I live is in the list ). I replayed to him that it was a very good help and that I just needed help for XXXX payment since I was not able to work for 2 weeks, and that from XXXX on I would be able to continue making payments like always. However, as per XXXX if I could make the payment or not, I should no worry until XX/XX/XXXX. On XX/XX/XXXX I saw on my online account that my minimum payment ( {$95.00} ) was passed due and that I had to make a next payment of {$210.00} since I missed my payment. I called again the assistance line to ask about this situation and the lady that helped me told me that what they were waiving was the late fees ( which was not what XXXX told me on XX/XX/XXXX ) ; she told me that there was nothing she could do to help and that I needed to make the minimum payment. She then transferred me to collections department because I told her that I did not have the money to make that payment. XXXX in the collection department told me that what happed was that the information about the help that BOA was providing to their customers changed a couple of days ago, and that they were not waiving the payments anymore but the late fees. I told him that I was not informed about it and that this change should not apply to me since my due date was on the XXXX which is more than a couple of days ago. He stated that he did not know what to tell me and that I was right that he could not do anything to help me but to find a way to make it easy for me to pay ; he offered me different options and at the end I decided that I would pay the XXXX payment in the next 2 months. My payments were set up as 2 payments of {$160.00} ; since I was stressed up and upset I agree to that, but now that I do the sum, making 2 payments of {$160.00} taking away the {$95.00} for the actual moth I would be paying {$74.00} x 2 making it {$140.00} for a payment that was supposed to be {$95.00}, meaning that I am paying {$53.00} additionally for I do n't know what because no late fees should be charged ( according to the new rules for the disaster assistance of BOA ). This formal complaint I make it against Bank of America for providing information and promising a type of help that was not fulfilled but instead it was changed without notifying their customers, and now I am in a unpleasant situation.
Product: Credit card or prepaid card

It started with them being UNABLE to take a payment ( unless I paid a " service charge '' ) I was unable to have ANY access to my account and NOBUDY was able to help.

I asked them to close the account and send me a paper statement because I had ZERO abilities to look at a statement digitally or in ANY matter. 
I'm a 100 % XXXX American Veteran and I still have an open account and they have REFUSED to send me a statement so as that I can pay the bill.

This frustration is affecting my health in a extremely negative way.

I believe they are taking negative actions against me for closing the account, the CS rep even threatened me with the fact that I can never open an account again.

I disputed the account with XXXX on XX/XX/2022
Product: Debt collection

Alleged account owner and/or servicer didn't properly validate the alleged debt and used deceptive practices to collect the alleged debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has failed to get back to me within a 30 reponse time, and did not remove the inaccurate item. in addition this company did their investigation and did not report any findings. just deemed as verified. which is impossible becausw ] e those files not correct and can not be verified. his has been on going for the past 6 months. IN Addition this company has been reporting a account that has been closed. another violation. I'm adding proof XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act Department XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Has violated my rights. 

15 U.S.C 1681section 602A. States i have the rights to privacy.

15 U.S.C. 1681 section 604A. It also states consumers reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I request that Equifax investigate these accounts and block or remove them from my credit report as they do not accurately reflect my credit history. I have attached supporting documents for your review. 
I appreciate your prompt attention to this matter and request that you provide me with an investigation results and an updated copy of my credit report once the accounts have been resolved. 
My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach
Product: Debt collection

XXXX XXXX has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm XXXX now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. XXXX has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact XXXX. I have been pushed around between XXXX and the law firm that represents XXXX. I am unable to obtain credit due to this breakdown in XXXX 's system.
Product: Credit card or prepaid card

PenFed promised to give a {$100.00} airline baggage credit every year I have the card. On XX/XX/2019 I made a charge to my card for an excess baggage charge. PenFed did not give me the credit. I paid XXXX XXXX {$120.00} for a baggage fee. PenFed told me to send the proof that this charge was for baggage fees, not something else. I sent the receipt proving this was a baggage fee. PenFed replied with a fake excuse, saying they won't pay for a train station ticket in XXXX. The receipt clearly says XXXX XXXX, Baggage Fee.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX had my Zelle account stolen along with money and fraudulent activity done on my accounts
Product: Debt collection

I was never contacted by this company. One day my neighbor grabbed my package for me while i was at work and there was a very embarrasing packet on my porch stating that I was being sued. it wasnt in an envelope or anything.They have not once made contact with me or left a voicemail. It is also very humiliating when your neighbors tel you that you are being sued. Thats kinda personal.
Product: Credit reporting or other personal consumer reports

I have no connection with the mentioned creditors and these inquiries are not mine.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally demand the immediate removal of an 8-year-old auto loan account from my credit report. The details of the account are as follows : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Remaining Balance : {$4200.00} Loan Open Date : XX/XX/XXXX This loan account was closed on XX/XX/XXXX. The original debt is now 8 years old and has thus surpassed the statute of limitations for collection. Under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are prohibited from using unfair, deceptive, or abusive practices to collect debts. The sale of this debt to multiple agencies, resulting in different amounts being reported, constitutes misleading and deceptive conduct. 

Furthermore, the original creditor and the collection agencies must accurately report the debt to credit bureaus. Reporting the debt multiple times or with incorrect amounts violates the Fair Credit Reporting Act ( FCRA ). As the debt has exceeded the statute of limitations, I demand its immediate removal from my credit report. 

According to the Consumer Financial Protection Bureau ( CFPB ), debt collectors are bound by the statute of limitations, which restricts them from suing to collect old debts. The debt in question exceeds this period, making its continued presence on my credit report both unlawful and detrimental to my credit score. 

I expect the account to be removed within 24 to 48 hours. Additionally, I require a written notice confirming the removal of this account from my credit report once the action has been completed. 

Failure to comply with this request will result in a formal complaint against XXXX, located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX, with the Consumer Financial Protection Bureau ( CFPB ) for violations of the Fair Debt Collection Practices Act ( FDCPA ). 

I appreciate your prompt attention to this urgent matter and look forward to receiving written confirmation of the removal within the specified time frame. 
Sincerely,
Product: Credit reporting or other personal consumer reports

ACCOUNT # XXXX These debts yall trying to collect Im not with it at all and them amounts yall saying I owe are way off. Dont waste your time sending me any proof Im not trying to see it. I know whats real and proof aint gon na change nothing. If you need to hit me up, do it by email only between XXXX XXXX and XXXXXXXX XXXX EST. Dont send me no mail whether its USPS XXXX XXXX XXXX XXXX or any courier and dont call me and voicemail either Its just a big inconvenience. ACCOUNT # XXXX and anything else you have wit my name on it. Just keeping it real.
Product: Credit reporting

I called their dispute department and requested they remove all the hard inquires from my credit reports. I have sent letters to each one of these companies and have not received validation from any of the companies. I explained this to the representative that answered and the supervisor I spoke with. I was told that the only way to remove these inquires was to get a letter from the company that did the pull saying they did it and should not have. I told them I contacted each and every one of the companies and they did not respond with in 45 days of the letters being mailed. How am I supposed to have them sign a paper if they are not responding?
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit report on me, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.. I have never given permission for them to inquire my credit status, please remove it from my Transunion credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  my rights have been violated according to the law : 15 USC 1681 sec 602 a I HAVE A RIGHT TO PRIVACY and don't want these transactions and experiences reported from this account unless the negatives are taken off!

15 USC 1681 604 sec 2 the can not furnish this report without my consent 15 usc 166b my transactions or experiences can NOT be reported as LATE 15 usc 1681 A 2 a1 according to the law transactions and experiences are NOT INCLUDED IN THE CONSUMER REPORT also most importantly MY INFROMATION SHOULD BE ACCURATE and FAIR.. i have inaccurate information from this account which has effected my future of obtaining a home and a vehicle i have proof of inconsistencies and the law that is broken by this inaccurate information reported on my credit report
Product: Debt collection

Portfolio recovery calls multiple times a day for a debt that is well over 9 years old. I have asked that they not call me at my place of employment and they continue to do so with the most recent being XXXX/XXXX/15 at XXXX. I would like for them to stop calling my place of employment.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.. The list of accounts below has violated my XXXX XXXX consumer rights to privacy and confidentiality under 15 u.s.c 1681.. Account name... XXXX XXXX ... Account # XXXX... .. Account Name... XXXX XXXX XXXX ... Account # XXXX .... Account Name... XXXX XXXX XXXX... Account # XXXX ... Account Name .... XXXX XXXX XXXX .... Account # XXXX .... Account Name... XXXXXXXX XXXX Account # XXXX ... Account Name ... XXXX XXXX XXXX XXXX ... Account # XXXX .... Account name .... XXXX ... Account # XXXX .... Account Name... XXXX XXXX.. Account # XXXX .... Account Name... XXXXXXXX XXXX ... Account # XXXX XXXX Account Name ...XXXX XXXX XXXX ... Account # XXXX ... Account Name... XXXX XXXX ... Account # XXXX .... 15 u.s.c. 1681 section 602 A. states I have the right to privacy. 15 u.s.c 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.. 15 u.s.c 1681 c. ( A ) ( 5 ) section state : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.. 15 u.s.c 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, TransUnion, and XXXX have violated my rights. 

15 U.S.C., 1681 Section 602 A. States I have the right to privacy.

15 U.S.C., 1681 Section 604 A. Section 2. It, also, states a consumer reporting agency can not furnish an account without written instructions. 

The following information is incorrectly reported by XXXX XXXX XXXX XXXX. 
XXXX XXXX account number : XXXX. This is not my account. 

The following information is incorrectly reported by TransUnion. 
XXXX XXXX account number : XXXX. This is not my account. 

***PLEASE NOTE*** XXXX XXXX XXXX XXXX HAS ALREADY REMOVED THIS ACCOUNT DUE TO IDENTITY THEFT.
Product: Debt collection

Received notification in XX/XX/2019 of debt from LNVN being reported on all three credit bureau reports. Reviewed reports and noticed a collection of {$5700.00}. This collection has decreased my credit score. I have never heard of this company nor received any type of correspondence verifying this debt nor any correspondence showing their authority of this debt.
Product: Credit reporting or other personal consumer reports

Wells Fargo locked my account, and I could not pay my loan. Therefore, the only option I had was to refinance through another lender.
Product: Student loan

I have a student loan through Nelnet and I was not aware of the payments aft the time. Was going through financial hardship and missed a few payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting inaccurate late payments on my credit report that has affected my ability to obtain credit and obtain employment, I was recently denied a job due to inaccuracies on my credit report. I disputed the late payment history with XXXX XXXX and they responded admitting to their errors. They are reporting XXXX, XXXX, XXXX as late when this is not accurate information. My payments are taken out of my checking account automatically every month ; 5 days before the payment is due each month. I was NEVER LATE, ever! I have disputed this incorrect information with Experian in the past and the information was not changed after their " investigation ''. 

Please update this information immediately as it has hindered my ability to obtain credit and employment.
Product: Debt collection

I am filing this complaint because Capio Partner LLC has ignored my request to provided me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone past 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. Thank you
Product: Credit reporting or other personal consumer reports

I HAVE BEEN BATTLINGXX/XX/XXXXCASE FOR THE PAST SEVERAL YEARS AND ITS BEEN EXTREMLY COMPLICATED, I HAVE SUBMITTED SUPPORTING DOCUMENTAION TO SUPPORT MY CLIAM ON THIS MATTER, PLEASE REVIEW THE DOCUMENTS UPLOADED AND BLOCK THE INFORMATION REPORTING ON THE CREDIT REPORTING BUERUS.
Product: Credit card

This is a Military Star card account. It can be used at military bases around the world but I use it primary at the base close to where I am stationed. This account has been paid and returned multiple times since I have opened it. When asked why this is, I get told the system does things automatically and then it is up to the bank. I recently paid a payment on XX/XX/year> in the amount of {$100.00}. They payment showed current on XX/XX/year>. On XX/XX/year> the amount returned to my account, a returned check fee was assessed on top of another payment with the rep at the call center saying another late was going to be assessed soon. When I asked why my account was like this, I was told to call my bank and figure it out with them. I was also referred to the credit dispute department.