23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXX 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 corrected : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Debt collection

I filed a complaint against Enhanced Recovery company 3 months ago and still nothing is being done to correct my credit file. Please advice me on the status of this account.
Product: Credit reporting or other personal consumer reports

I think my ex Girlfriend opened these accounts under my name when we broke up. Please remove these from my report, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Method of Verification Request To Whom It May Concern : This letter is in response to your recent claim that XXXX XXXX XXXX XXXX XXXX verified the account they are reporting is accurate. Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. Name, address, and telephone number of each person contacted regarding this alleged account. A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. I am requesting a re-investigation along with your method of verification. The item in question is inaccurate and represents a very serious reporting error. I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent equifax a letter to correct their error on an account. they have stated the " verified '' the item with the furnisher, however it's not the furnisher that is reporting this inaccurately. It is EQUIFAX! the payment status is reporting inaccurately and this account is closed and paid in full. The payment status needs to report the current status " PAID AS AGREED '' Ive included a copy of the credit report highlighting their error
Product: Credit card

On XX/XX/year>, I noticed an account from Affirm Inc. on my credit report, allegedly opened in XX/XX/year>. I contacted the company to dispute it, as I did not authorize this account. I provided police and FTC Identity Theft reports, but Affirm insists the account is verified without providing proof. I am requesting evidence of verification or the removal of this account from my credit report.
Product: Credit reporting or other personal consumer reports

I REQUESTED MY REPORT TO BE UPDATED OR CLEARED BECAUSE EVERY TIME I WENT ONLINE TO CHECK MY CREDIT SCORE/REPORT IT READ INFORMATION FROM XX/XX/scrub>XXXX XXXX AND NEVER HAS UPDATED SINCE! I SUBMITTED A COMPLAINT PREVIOUSLY THROUGH THE CFPB BUT EXPERIAN TOOK MONTHS TO REPLY WITH A RESOLUTION AND THEN WHEN I FINALLY RECEIVED A REPLY THEY ACCUSED ME OF BEING INCARCERATED WHEN I NEVER TOLD THEM THAT ALSO I HAVE NEVER BEEN TO JAIL!!! EXPERIAN TOTALLY DISREGARDED MY ISSUE AND I HAVE NO IDEA WHAT REPORT THEY WERE TRYING TO MAIL ME BECAUS XXXX HAVE NEVER BEEN INCARCERATED SO THERE MUST BE A CASE OF MISTAKEN IDENTITY! I BELIEVE THIS COMPANY IS PLACING FRAUDULENT INFORMATION ON MY REPORT TO HOLD ME BACK FROM USUING MY CREDIT FAIRLY!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. Experian and XXXX must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am contacting you about inaccuracies and incomplete information in my credit report that need your immediate attention. 

The basis for my dispute is that your agency has not provided adequate verification for the debt in question. XXXX and XXXX have already corrected this account in their records due to an identified error. I am puzzled as to how your agency has verified this account while the other bureaus have updated it. Therefore, I request that you correct this account in my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 
I wish to dispute this account : XXXX XXXX XXXX.
Product: Debt collection

On XXXX I received a collection attempt from Portfolio Recovery Assiciates ( dated XX/XX/19 ) about a debt I did not recognize. I sent certified mail asking for validation and verification of the debt. I received no communication from this collector until today where i received communication insinuating that i would be sued. I have all records of my certified mail
Product: Debt collection

Collectiona  agency rep, got smart with me on phone, why telling them didnt owe the bill, hung up on me, called me back started telling me owe bill, and started using profanity hung up phone on them. Contineue to send me text message througout the day next day all day and until XXXX...
Product: Credit reporting or other personal consumer reports

I filed complaints with XXXX, XXXX, and Experian for reporting incorrect information on my credit report. I provided a list of the accounts and informed them of the infractions they were committing against my consumer report. They have not responded after more than 60 days. I have copies of every letter that was sent below.

The failure to label this disputed account as disputed by the corporation is a violation of FCRA 623 ( a ) b ).

If the period has also been violated as of the date of the final action on this account, then 605 ( c ) is in effect. When it needs to show the most recent payment date.

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 809b.
Product: Credit reporting, credit repair services, 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.I sent multiple letters to the 3 credit bureaus, but I never received a response. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

RE : TD Auto Finance I have financed my vehicle through TD Auto finance, we set up auto payment through our Bank to be paid monthly. For the past year ( Since XX/XX/XXXX ), we have been charged a late fee of {$80.00} monthly for a total of {$1000.00}. We were contacted via phone late XX/XX/XXXX by TD auto finance regarding this accumulated finance charge. Upon speaking with the Bank representative, we found out that the XX/XX/XXXX payment did not go through, not sure if it was a mistake on the part of TD Auto finance or with our Bank XXXX. Since then TD auto finance has been charging us monthly late fee of {$80.00}. Of note, TD auto finance has been getting paid monthly on time by auto debit from my Bank all along except for the XX/XX/XXXX payment. We NEVER received a letter/email or a phone call from TD Auto Finance up until XX/XX/XXXX regarding this ongoing late fee. We spoke to TD auto finance, they refused to waive the fees. As a customer, I feel it is WRONG for TD auto finance not to contact us regarding this issue for a year and ask us to pay up. I would appreciate your intervention regarding this issue. We will happy to provide account details as needed.
Product: Checking or savings account

Navy federal credit union allowed my account to have their OOPS overdraft protection for years & charged be hundreds of dollars in overdraft fees.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : XXXX. Incorrect Late Payment Reporting Creditor Name : XXXX  XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Creditor Name : XXXX  XXXX Account Number : XXXX Issue : The late payment reported on my credit file is inaccurate and unfairly damaging my credit profile. The following issues exist with this reporting : I made my payment on time, and the reported late payment is incorrect. 

The creditor failed to properly notify me of any late payment before reporting it to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ). 

I was impacted by unforeseen circumstances ( such as financial hardship, a billing error, or a processing delay ) beyond my control, and I attempted to resolve this issue with the creditor before it was reported. 
The reported late payment is older than seven years, meaning it should no longer appear on my credit report per FCRA guidelines. 
There are inconsistencies in the reporting across different credit bureaus, suggesting a data entry or system error.
Product: Credit card or prepaid card

I have a Chase XXXX card. I booked travel for XXXX of XXXX ( itinerary # XXXX ) through Chase XXXX using points. The total point amount I spent was XXXX which amounts to {$1800.00} in USD. 

I canceled my flights due to XXXX and followed up over the next year to check in on the status of my refund. First, XXXX XXXXXXXX XXXX would only offer a voucher. Then, Chase confirmed they were able to refund the cost of my trip in full to the original form of payment in XXXX ( see attached documentation ). I confirmed with XXXX separately they had processed the refund back to Chase. 

I have called Chase 7-8 times in the last two weeks alone, and been transferred to different individuals who talk to me using the same script. I have been told to wait 72 hours so that they could process my refund. I have waited this arbitrary wait time twice and no amount of money/points has been refunded back to my account. I called again Monday, XX/XX/XXXX and was told to wait 72 hours. I waited that time and tried calling again today, XX/XX/XXXX, and spoke with the XXXX customer service based here in the XXXX. I was told I could only be helped by the XXXX Rewards center or by the travel department even after I mentioned I was interested in closing my accounts. Once transferred, I asked when I could expect to see my refund appear in my account as I have been waiting for months and have been given no ETA. 

I have been hung up on, transferred to other people who work off a script just to stall conversations, and told to wait arbitrary wait times for resolutions that don't come. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report it says Im XXXX  and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the car dealership I said I wanted to apply for a car and they said they were only going to do one inquiry and ended up being way more the one inquiry. 

XXXX XXXX XXXX OF XXXX XXXX XXXX XX/XX/XXXXL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XX/XX/year> charged XXXX dollar late fee XX/XX/year> charged XXXX dollar late fee
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I noticed that my credit score had dropped by over XXXX points, and an account on my credit report was listed as having a delinquent payment. I spoke with my credit union, and was notified that the payment had been reported as late, but the credit union had made a mistake, because they had never notified me about it. I made the payment with them, and was told that it would be " fixed '', and they would send an update to all three credit bureaus ( Experian, XXXX, XXXX ). Twice now my score has rebounded, and the report was briefly removed, but appears to be resurfacing. I have a lengthy email conversation with my credit union where they have very clearly acknowledged that they do no consider my payment late, and that they " reapplied it to XXXX '' so that there would technically be no late payment at all on my record. I do not know what to do at this point, and I feel like I am stuck in limbo between the credit bureaus and my credit union.
Product: Payday loan, title loan, or personal loan

I made a payment in XX/XX/XXXX XXXX the guy said i had 6 more psyments then i made one in XXXX XXXX he said i had 6 payments left then XXXXand i called the lady said they never said that and i still owed XXXX on a XXXX loan and only admitted me paying XXXX i also made one XXXX payment and i no longer has ve the checking account i used the begining payments im moving and they do not hsve that bank were im moving to i feel like im being scammed because the loan amount keeps changing ill never pay them off being on social security.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt and Request to Cease Communication under 15 U.S.C. 1692c ( c ) Dear Sir/Madam, I am writing to formally dispute the validity of the debt reported under my name and request that you cease any further communication with me regarding this matter. The details of the disputed debt are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$270.00} Creditor Name : XXXX XXXX XXXX Account Number : XXXX Amount Reported : {$500.00} Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount Reported : {$580.00} According to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector cease all communication with me concerning any debt, except to notify me of any specific legal actions being taken. 

Therefore, I am exercising my rights under this law and formally requesting that all communication regarding this alleged debt cease immediately. 

Additionally, I am requesting that you investigate this matter and provide verification of the debt as required by law. If you are unable to provide sufficient evidence validating the debt, I demand that this information be removed from my credit report. 
Failure to comply with this request or any attempt to continue contacting me will result in my taking further action to enforce my rights under the FDCPA and FCRA. 

Please acknowledge receipt of this letter in writing and confirm that you will cease communication as requested. 

Sincerely, XXXX XXXX
Product: Student loan

I am getting daily robo-calls from an organization called XXXX which XXXX tells me is XXXX. Their robot insists that this an urgent business matter and told me to call XXXX. I have also never received any correspondence detailing what they want to speak about. I am on the do-not-call registry and I have never taken out or co-signed a loan of any kind in my life. I am hesitant to call them since this smells like a scam and their website does not allow anyone to contact them via email. I 've been blocking all the numbers they call from and it 's just annoying. I wish they would stop.
Product: Payday loan, title loan, personal loan, or advance loan

The company did not disclose a XXXX percent interest rate on a XXXX dollar loan they are charging me around XXXX dollars. The loan contract was deceptive and I saw XXXX payments they said XXXX to pay off, afterward the contract glitched and changed into something different. I suggest this company to be investigated for fraud. 
They are a federal tribe whom is illegally operating and taking advantage of individuals who are in need of instant cash. According to my research it has been founded that this company is fraudulent, and is not an actual tribe that is legitimate in the United States.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

XXXX from integrated services called saying I was going to be summoned on 2 counts of fraud with XXXX and has called family members who are not associated with payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted my information to equifax via fax at XXXX and XXXX on XX/XX/XXXX. I called back to verify twice to make sure my documents were recieved and processed on XX/XX/XXXX. Rep verified and retrieved the docs i submitted and told me my information was not processed as of yet with no real reason. SHe verified that equifax had got it on XX/XX/XXXX. I called back on XX/XX/XXXX to inquire about my updated reports and rep explained to me that my information was never processed from the mail room. I requested that all the information i disputed need to be deleted cause the 30 day window had expired to do so. They said they not allowed to do that even though my rights under the FCRA has been violated. I checked back with equifax on XX/XX/XXXX and still nothing has been resolved. I am requesting that the information be deleted due to negligence and violations.
Product: Bank account or service

YOU ARE STRICTLY PROHIBITED FROM CONTACTING XXXX XXXX WITH THREATS OF INVESTIGATION, MISCONDUCT OR ACCUSATION. YOU ARE UNDER STRICT PROHIBITION FROM ANY MISCONDUCT INVOLVING XXXX XXXX ' FUNDS OR BANK ACCOUNTS. YOU MAY NEVER JEOPARDIZE XXXX XXXX ' MONEY SUPPLY, ABILITY TO EARN, PROFIT MARGIN, NET WORTH OR GROSS DOMESTIC PRODUCT. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY ARGUMENT OF DOUBT AS TO WHETHER ANY BANK ACCOUNT AT YOUR INSTITUTION IS WHOLLY MINE. 
YOU ARE SEVERELY PROHIBITED FROM ARGUING THAT THERE ARE NOT ENOUGH RIGHTS TO WITHDRAW FROM ANY ELECTRONIC TRANSFER TO FUND ANY ONE OF MY ACCOUNTS. YOU ARE COURT ORDERED TO ADMIT OUT LOUD THAT THE MONEY IN THESE ACCOUNTS IS LEGALLY AND RIGHTFULLY MINE AND THAT YOUR BANK MUST ACT TO ASSIST ME LIKE ANY OTHER CUSTOMER. 
YOU ARE ORDERED TO CEASE AND DESIST FROM ANY BLOCKAGE OF THE ELECTRONIC SYSTEM. 
YOU ARE HEREBY ORDERED TO CEASE AND DESIST FROM ANY OBSTRUCTION OF MY CUSTOMER SERVICE DEMANDS SO THAT YOUR EMPLOYEE DOES ACT TO HELP ME WITH EVERY REQUEST JUST AS THEY DO ANY OTHER CUSTOMER. 
YOU ARE STRICTLY PREVENTED FROM BLOCKING MY RIGHT TO WITHDRAWL. 
YOU ARE STRICTLY FORBIDDEN FROM ISSUING ANY WITHDRAWL TO A WELFARE OFFICER, POLICE AGENT OR OFFICER OF THE COURT. YOU ARE STRICTLY PREVENTED FROM EVEN MARKING MY ACCOUNTS WITH NEGATIVE INFORMATION ON THEIR REQUEST. ALL MARKINGS FROM THE BANK SHOULD REFLECT POSITIVELY ON THE PERSON. 
YOU ARE STRICTLY PROHIBITED FROM OBSTRUCTING ME FROM RECEIVING MY INTEREST CHECKS BACK IN THE MAIL ON MY CD 'S. SEND ME THE INTEREST CHECK BACK IN THE MAIL AT THE END OF EACH TERM ON EVERY SINGLE CD AT YOUR BANK. 
YOU ARE SEVERELY FORBIDDEN FROM ASSISTING ANY SURGEON IN OBSTRUCTING MY ACCOUNTS. 
YOU ARE ORDERED TO CEASE AND DESIST ANY UNLAWFUL ATTEMPTS OF FATAL DEATH THREAT, HARASSMENT OR INVESTIGATION INTO ANY MATTER WITH YOUR BANK WITHOUT FIRST CONTACTING XXXX XXXX LEGAL REPRESENTATIVE LISTED BELOW : XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX
Product: Prepaid card

In XXXX 2014 XXXX gift cards I purchased at Home Depo each for {$500.00} for total of {$1000.00} ended up having a value of {$0.00}. The store told me the cards were used in California after I purchased them. I always had them in my possession and I believe there is big time fraud going on there with gift cards. My research says people maybe even the mgmt of this company gets the numbers on back of cards re inks cards then innocent people like me get ripped off after buying them for gifts. This was on TV news recently which is why I decided to pursue this a year later. These cards should be locked up etcc.. before selling but if Mgmt is involved that wont help ... ... ... I purchased other cards at different home depot and they were fine ... This XXXX store is commiting fraud and they act stupid when its brought to there attention see letter.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
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 XXXXXX/XX/XXXX