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

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Debt collection

I keep getting repeated phone calls from Nuvell Financial Services regarding missed payments of car loan. I have told them that I do not appreciate being called at my place of employment and that I would report them the next time they called. This was on or about XX/XX/2021. It stopped for a few days and now they are calling my place of employment again, XX/XX/2021. I am working on trying to get funds to pay the loan but need more time.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX  XXXX XXXX Balance Owed : {$280.00} XXXX XXXX Balance XXXX : {$47.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$3600.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of fraudulent accounts and inquiries from my credit report due to a data breach incident. Under the protections provided by 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I ask that the following items be blocked and deleted immediately. 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$450.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX & XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX, XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$690.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$650.00} XXXX - XXXX - XX/XX/XXXX - {$1300.00} Fraudulent Inquiries : XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX
Product: Mortgage

Hello, I'm a borrower of Cross Country Mortgage at the XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I'm a young XXXX  also in XXXX trying to buy my first house. 

Unfortunately, my mortgage application has been poorly managed by the branch above and I am about to loose a good deal on a condo in XXXX because of this. 

My case has been delayed and closing date rescheduled due to the inefficiency of the assigned underwriter. 

My case was finally assigned to a more senior underwriter today and it seems that the documents part are now cleared out. 

As of now, I still do not know if I'll have a closing by Monday or not. This delay already caused me financial loses, and the seller will not extend the closing again if I do not have a closing by Monday at the latest. 

I tried reaching out to the branch manager XXXX XXXX however the phone listed on his website does not work. 

Also, the email compliant address given by the company does not work. 

Please, if you can kindly assist with this matter it would be truly appreciated. 

Best Regards, XXXX XXXX XXXX
Product: Debt collection

Company is re porting on all  XXXX  credit bureaus and sending me information that I owe this debt including threatening phonecalls. I have sent letters for them to verify this debt bearing my signature and they have not. I have also sent letters for them to delete the debt because they did not report on my report within the 30 day time frame that I " disputed the debt per the FCRA ''
Product: Vehicle loan or lease

On XX/XX/18 I signed up with XXXX XXXX auto pay option. I used the web site and agreed to the option to withdraw the total amount due. During the month of XXXX I made three payments ; the 2nd of {$550.00} the XXXX of {$300.00} and again on the XXXX of {$350.00}. I received an email stating that my XXXX payment as been met and that my next payment of {$460.00} was due on XX/XX/18. On XX/XX/XXXX auto pay attempted to withdraw the monthly payment of {$550.00} which caused a NSF charge on my account. I spoke to many customer service agents and they insisted that I signed up for the regular monthly amount and I should have read the fine print, but could not tell me here the fine print was or what it said.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB COMPLAINT # XXXX WAS NOT COMPLETED WITHIN THE 30 DAYS AS REQUIRED BY LAW.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX 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 XXXXXXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX, Equifax and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$30.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$310.00} FXXXX XXXX XXXXXXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$9900.00}
Product: Credit reporting or other personal consumer reports

Subject : Complaint against TransUnion and XXXX XXXX XXXX XXXX for FCRA Violations I am filing this complaint regarding TransUnion 's failure to properly investigate and remove inaccurate information reported by XXXX XXXX XXXX XXXX ( File ID : XXXX ) on my credit report. 

Key issues : Violation of 15 U.S.C. XXXXb : TransUnion furnished my report without my written consent. 
Failure to verify accuracy ( 15 U.S.C. XXXXe ( b ) ) : TransUnion 's investigation did not ensure maximum possible accuracy. No evidence of my relationship with the original creditor or valid debt assignment was provided. 
Reporting prohibited adverse information ( 15 U.S.C. XXXXc ) : The entry is an unlawful adverse item unrelated to criminal convictions. 
Identity theft ( XXXX CFR XXXX ) : The account uses my personal information without authorization. 
Furnisher violations ( 15 U.S.C. XXXX ) : XXXX XXXX XXXX XXXX failed to conduct a proper investigation and continues reporting unverified information. 
I previously disputed this information with TransUnion, but they claimed it was accurate without providing evidence. I've received no proof of my consent, debt validity, or TransUnion 's verification process. 
I request that the CFPB investigate these violations and ensure TransUnion removes this inaccurate information from my credit report.
Product: Credit card

Kovo is reporting my account negative to the credit bureaus when I paid them on time from XX/XX/XXXX to XX/XX/XXXX. I was facing a financial hardship and asked to close my account. This account is supposed to help build credit yet they penalize me for paying on time and closing it early? My dob is XX/XX/XXXX and my SSN is XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still an account that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that PRA show the date of last activity. I have requested the last date of activity. PRA have omitted my request The last payment made to the original creditor ( OR ). PRA can only report this debt seven years from the OR date. P

RA can not re-age the 7 year report time.

PRA must show the date of last payment. PRA.
Product: Debt collection

XX/XX/2019 I got a call and a voicemail from Atlantic Recovery Solutions,  specifically a woman who identified herself as XXXX XXXX. Before I was able to call her back, she had called my wife, my mother-in-law, my sister-in-law, and my father. My wife called me and told me that XXXX XXXX had asked her to verify my information to give information about the reason for her call. I called XXXX XXXX back at the number provided to my wife. XXXX XXXX told me that she is managing an account originating with XXXX XXXX. I told XXXX XXXX about details and she became irate. I asked XXXX XXXX why shes asking my wife for information and giving my wife information. XXXX XXXX told me that there was an account in collections that was paid for a year and then it stopped. I asked her for details and what account funds were paid from. She said that she would report the recording to her client and they can decide how they want to proceed and hung up on me. I called XXXX XXXX because she identified them as a creditor. They said that they are unable to find an account and this seems like a scam. XXXX  rep XXXX told me to report the interaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

i've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action :
Product: Money transfer, virtual currency, or money service

Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation placed on my PayPal account, XXXX. I believe this limitation has been imposed in error. 

First and foremost, I want to emphasize that I have always strived to adhere to PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a severe action. The limitation on my account has left me puzzled and distressed, as it appears to be a misunderstanding or misjudgment. 

I kindly request PayPal to conduct a thorough re-investigation of my case. I believe that upon closer examination, it will become evident that I have not violated any PayPal policies. My intent is not to challenge your authority but to seek a fair resolution to this matter. 

My PayPal account has been an essential tool for my online financial transactions and business activities, and its suspension has had a significant impact on my daily life. I kindly ask for your understanding and assistance in resolving this issue promptly. If, after your re-evaluation, it is determined that there has been an error, I respectfully request the restoration of my PayPal account so that I can resume using your services. 

I greatly appreciate your attention to this matter and look forward to a fair and just resolution. Please feel free to contact me at XXXX if you require any additional information or clarification regarding my account. 

Thank you for your prompt consideration of this appeal. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # ending in XXXX XXXX XXXX  acct # XXXX opened XX/XX/XXXX XXXX # XXXX opened XX/XX/XXXX XXXX XXXX XXXX Account # ending in XXXX opened XX/XX/XXXX XXXX XXXX  Account # XXXX opened XX/XX/XXXX XXXX account # ending in XXXX opened XX/XX/XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions 15 U.S.C 1681C ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Recently, when I reviewed my credit reports, I discovered two accounts that I did not recognize : XXXX XXXX ( Account Number : XXXX ) and XXXX XXXX ( Account Number : XXXX ). I recall losing my wallet years ago, which contained my driver 's license, social security card, and credit card. I suspect thatsomeone might have used this information to fraudulently open these accounts. I need assistance in removing these unauthorized accounts from my credit report.
Product: Credit reporting or other personal consumer reports

This account appeared back in XXXX  there about it was XXXX XXXX and I did. It open this account it was fraud from the start. It was to be removed the first time it was investigated, I provided police reports and all it was not they sold it to someone and they continue to keep it on there almost acting as if its a new account XXXX something yrs later. So long that the original opening date no longer shows. They continues to call and email and report im a bad payer to this account. It has caused me several credit opportunities because its a simple store to have paid and it looks as if I dont so lenders and creditors reject me if I cant pay that little bill why would I pay theres but its not mine.
Product: Debt collection

I was trying to refinance my mortgage and found I have a lien against my property for {$6800.00} from Department Stores National Bank from XXXX. I was under the assumption that this matter was agreed to and closed with XXXX XXXX Firm representing my Debt Relief Program with XXXX XXXX. 

This matter was not resolved by XXXX XXXX and I was not notified of the XXXX placed against my personal property. I would like to resolve this with Department Stores National Bank to eliminate the XXXX placed against my personal property at XXXX XXXX Ct XXXX TX XXXX but can not get anyone to call me back. My last correspondence was at XXXX on XX/XX/XXXX. 

I have copies of the Agreed Final Judgement only sign by myself from XX/XX/XXXX ( {$3800.00} payment plan ). Is there a way to obtain these records from XXXX XXXX? 

XXXX XXXX XXXX XXXX Ct XXXX, TX XXXX XXXX XXXX XXXX
Product: Mortgage

fifth third bank has not paid property taxes on my property in six months.I have contacted them a number of times to no avail .Everytime we get a letter from the tax accessor they raise our escrow amount because of shortages in the amount in our escrow account .we have received letters saying we are late on our mortgage payment even though we have automatic monthly mortgage deductions from our bank account.I have called to try to get this problem fixed.we called and nobody has a clue about what is going on with this account.
Product: Credit reporting or other personal consumer reports

Under federal law, you have XXXX  ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re investigation.
Product: Credit reporting or other personal consumer reports

. It is my belief that JPMCB Card Services has reported information that is incorrect, and this misreporting is in violation of my rights under the Fair Credit Reporting Act ( FCRA ).

The specific sections of the FCRA that I believe have been violated include, but may not be limited to : Section 611 ( 15 U.S.C. 1681i ) - According to this provision, I am entitled to dispute any information on my credit report that I believe is inaccurate or incomplete, and JPMCB Card Services is required to conduct a reasonable investigation of my dispute in a timely manner.

Section 623 ( a ) ( 1 ) ( A ) - This section obligates JPMCB Card Services to provide accurate and complete information to the credit reporting agencies. If the information can not be verified, it should not be reported. 

Based on these provisions, I am requesting that JPMCB Card Services provide me with proof of the alleged debt, including the original contract with my signature and a detailed account statement demonstrating how the balance was calculated.

Furthermore, I request that if JPMCB Card Services can not furnish verifiable and accurate documentation, the information should be corrected or removed from my credit file immediately, as its continued presence is causing me harm and is not in compliance with the FCRA.
Product: Credit reporting or other personal consumer reports

I had credit fraud an my information has been compromised to XXXX an Experian I am asking for all the inquiries be removed I dont own no car loans let alone if you see they keep going to same dealer or keep applying online or however they do application XXXX so many inquiries it had been taking for ever to get off my credit I can appreciate a letter saying or asking all XXXX credit bureaus to remove all inquiries from my report cuz XXXX XXXX ask to finally contact yous an let you know I never been to dealers i have credit card I never received or had my only credit is XXXX XXXX XXXX XXXX bank as far at horseshoe credit anything else is not mine I like for inquiries to be remove Thankyou Im to old already Im am working with all XXXX bears to get this nightmare resolved as try make sense best as seeing XXXX XXXX if the word dont make sense my plans are this resolve an then freeze my credits I can be reach at my email XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During sometime around XX/XX/XXXX or XXXX XXXX 2016,  XXXX XXXX closed a checking account that I had with and did not explained why they closed the account I also had a credit card with XXXX XXXX. Once XXXX XXXX closed the account, I had somewhere around $ XXXX {$14000.00} in my checking account. I went to the bank because I needed to make a withdrawal and make a payment on my credit card account. I was informed that my account was closed. I then inquired as to why my account was closed and I ask " how do I withdraw my money from the bank ''. 

I insisted on make a payment, but was informed that they would not take a payment from me. I needed to make a withdrawal, but XXXX XXXX would not allow me to make a withdrawal or accept a payment from me. The teller at the bank told me that they would deduct what I owed on the credit card from my checking account and they mail me the difference. XXXX XXXX did not deduct the amount of the balance on the credit card from my checking account immediately. Instead, they deducted the money from my account much later than they indicated and did intentional financial harm. XXXX XXXX made the payment on the credit card late and it resulted in a 30 day late on my credit file. Eventually, XXXX XXXX did mail me the correct amount after making a payment on the credit card. The limit on the credit card was {$1000.00} and the balance at the time was no more than {$800.00}. 

Up until that time, I 've always made payment on time and I never had a late payment. My checking account always had a positive balance and I did not have returned checks due to insufficient funds. 

I have contacted XXXX XXXX and ask them to correct this error, but they have failed to assist me in correcting an error that they made. 

CFPB, Please help me to resolve this matter. This late payment has caused me much distress and hardship and is severely affecting me in consumer transactions. 

XXXX XXXX