23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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
Product: Credit card or prepaid card

It has been nearly impossible to close my accounts with this so-called bank. Multiple attempts over the phone in the span of several weeks, speaking with multiple people and departments. Despite verbal confirmation that the accounts were closed, they all still show as active online. This applies to credit and checking accounts. I have contacted them at least five times to request my accounts to be closed, and they deceivingly confirm that they have been closed, when they in fact have not. Lowest-level financial company that I have ever made business with.
Product: Credit card or prepaid card

I called the credit company " Universal Account Servicing , LLC - XXXX XXXX XXXX, XXXX MO XXXX '' XXXX different times. My first call ( XX/XX/XXXX ) was to verify that I was paying the correct payment amount and if I would be alright if I paid the last payment on the payment due date. She confirmed that I would " be alright '' if I paid my last payment amount by the final payment date. I was part of a XXXX XXXX ( XXXX  months ) and I paid my last payment on XX/XX/XXXX ( my last payment date was XXXX XXXX, XXXX ). 

I found out today ( XXXX XXXX, XXXX ) that I was not within the XXXX XXXX  date ( XX/XX/XXXX ) and that I would have to pay, in addition to my last payment, I would have to pay all the deferred interest payment. I called them again the same day and asked if I could get this waived since I have always met my payment due dates and more than the minimum payment amounts. They told me that they were a XXXX XXXX lender and had no control over whether I could get this waived. I am so worried because I would have to pay XXXX in addition to my principal payment of XXXX. I told them that I am facing financial hardship and would not be able to pay the interest ( XXXX ) and they still refused to waive the interest. I am enclosing the last statement and the payment transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.
Product: Credit reporting or other personal consumer reports

Subject : Request for Account Deletion due to XXXX  XXXX XXXX XXXX Violations To Whom It May Concern, I am writing to formally express my deep concern regarding the ongoing credit reporting inaccuracies and violations committed by XXXX XXXX XXXX XXXX, which have adversely impacted my financial well-being. I have taken every possible step to rectify this situation and seek your intervention to address the matter in accordance with the provisions of the Consumer Financial Protection Bureau ( CFPB ). 

Account Name : XXXX XXXX XXXX XXXX  Account # : XXXX Under the framework of the Fair Credit Reporting Act, I have reason to believe that XXXX XXXX XXXX XXXX is in violation of 15 US Code 161s-2 ( 1 ) ( A ), which explicitly prohibits the furnishing of consumer information to credit reporting agencies when the furnisher knows or has reasonable cause to believe that the information is inaccurate. Despite my efforts to rectify these inaccuracies, XXXX XXXX XXXX XXXX has continued to report erroneous information to XXXX, XXXX, and TransUnion. 

Furthermore, XXXX XXXX XXXX XXXX 's actions are in violation of 15 US Code 1681 ( a ) ( 1 ), which underscores the vital role of fair and accurate credit reporting in maintaining the efficiency of the banking system. Inaccurate credit reports not only impair the functioning of this system but also erode public confidence, which is paramount for its continued stability. XXXX XXXX XXXX XXXX 's disregard for these regulations is causing significant harm to my financial standing. 

I have made repeated requests to XXXX XXXX XXXX XXXX for the prompt removal of this erroneous account from my credit reports. Unfortunately, my efforts have been met with continued violations, misrepresentations, and a lack of resolution. Despite my repeated attempts to rectify this situation, my credit reports remain plagued by inaccuracies that hinder my ability to secure loans, housing, and other financial necessities. 

I implore the Consumer Financial Protection Bureau to intervene on my behalf and compel XXXX XXXX XXXX XXXX to rectify this situation immediately. I kindly request that you investigate this matter thoroughly, hold XXXX XXXX XXXX XXXX accountable for their violations, and ensure that the inaccurate account is removed from my credit reports without delay. 

I have attached supporting documentation, including correspondence with XXXX XXXX XXXX XXXX, credit reports, and any other relevant information, to assist in your investigation. 

I appreciate your attention to this matter and trust that the CFPB will act in accordance with its mission to protect consumers from unfair and abusive financial practices. I eagerly await your response and the resolution of this pressing issue.
Product: Credit reporting or other personal consumer reports

I have Become a victim of Identity Theft due to My information being exposed in the Data Breach.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/2022, I sent a letter regarding inaccurate information reporting on my credit report. since it is over 30 days of an investigation I have not received a response yet. I feel as if I am being ignored and taken advantage of. By law section 611 ( a ) states that failure to investigate items within 30 days requires an automatic deletion. It has been over 30 days i request these items be removed, if not I will file for litigation due to the stress this has caused me.
Product: Credit card or prepaid card

I have an account with paypal and i talked to them sunday and they told me there is a hacker using my name to buy credit cards and open accounts in my name they have five cards under my name. There was a direct deposit on my paypal on XX/XX/XXXX of XXXX and i spent that money for about five days and then on the XXXX they say i cant use paypal anymore because there has been a fradulent activity so i changed my paypal information the person hasnt touched that money but the person is using my name to buy credit cards or something. I am the owner of my paypal account and now i cant use my paypal mastercard because this person red flagged both of my accounts i still have XXXX i havent been able to touch since the XXXX this month paypal was making me buy XXXX XXXX  XXXX  so they could acess my account and remove the cards so i can use my money again but i feel like i shouldnt have to pay to have my paypal account back unfozen but paypal on this number told me to buy these cards there number is XXXX they told me dont tell the cashier at XXXX  XXXX  what i am doing and XXXX  XXXX  called the police on me and said my card is stolen witch it has my names on them i showed them my id and showed them that its the same cards that was saying there stolen they let me go but they told me to file a fraud report to get that settled and i can use my card again.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion, XXXX have violated my consumer rights with reporting fraud accounts on my credit report. I tried countlessly to report the issue with them but they keep send letters back in XXXX saying the accounts is verified. I sent letters back asking their method on verifying the account, i also ask to send me the original document stating how I owe these frivolous accounts. but no response. I would like these accounts deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that Midwest Recovery is on my credit report. I obtained their number from conducting research. I also obtained their address from the XXXX XXXX XXXX as it is as follows : XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX. I have disputed this debt in the past. It appears that this company has modified the date to XX/XX/2020 as if I opened a Payday Loan on this day. I have no reason to get a Payday Loan. I have no financial need for a Payday loan. 

If you go to XXXX  website or to XXXX period, you will see that this company has some illegal business practices going on and appear to be conducting business in a " sketchy manner '' to say the least. This is not my debt. I did not get a Payday loan on XX/XX/2020. 

Also, for future references, how long can a debt stay on your credit profile? Can a company purchase debt that is over 7 years old?
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXXXXXX Date Opened XX/XX/2014 Balance {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute some accounts that is on credit report that been impacting me very negatively. The accounts on the report was incorrect or inconsistent. I have ask them investigate those account multiple times they have yet responded to me on if the accounts was verified or accurate. They havent example where they verified or showed proof of any accuracy nor have they told how they are communicated with the creditors who are reporting these accounts. 

Below are the accounts : 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: Mortgage

Dear Clear Recon Corp, The dispute of lien amount has not received a response, requested prior. 
A notice of trustees sale was recorded XXXX/XXXX/XXXX - the amount was disputed in the NOTS is recorded in error. I have not received the corrected accounting and the lien still remain in error. The additional request is whom is the beneficiary of the lien amount? As well as who is the property owner of record on title sale guarantee policy ( TSGP ). Four payments were made in XXXX with approximately XXXX going toward principle. As well as late payment of approximately XXXX - there were no late payments in XXXX. There are also multiple charges for property review however for some dates there was no property review. The additional request included copies of assignment ( any/all ). I am concerned my payments were not applied to account as I was told payments would be but instead written off prior to transfer of servicing
Product: Credit reporting or other personal consumer reports

was over charged for my credit card for XXXX for XXXX balance that I reported that I didnt make from late fees on my account they keot charging me so I have a XXXX balance iwed with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal is currently reporting inaccurate information to the consumer reporting agencies to my detriment and in addition to them reporting inaccurate information, they stole {$1000.00} out of my checking account that I needed to use to pay my bills and take care of my children 's needs. They are currently reporting that an alleged auto loan that I had with them is charged off but failed to provide the 1099C to me. They are currently damaging my credit worthiness, credit standing, and reputation as my credit score is completely tarnished with this negative account unlawfully on my report.
Product: Debt collection

This was due to the Covid-19 pandemic and loss of income, increased health risks, and complications. This account meets the FCRA requirements. I greatly appreciate your cooperation in this matter.
Product: Credit reporting or other personal consumer reports

I NOTICED SOME UNAUTHORIZED INQUIRES ON MY REPORT. I BELIEVE SOMEONE APPLIED FOR SOMETHING IN MY NAME. 

BELOW IS THE LIST OF 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
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Debt collection

I have sent letters three different times asking them how they have verified the debt is mine and told them the debt is invalid but they will not provide proof or remove it from my credit report. They were submitted to Calvary Port collection agency regarding 2 XXXX  accounts. One is for {$1500.00} and the other is for {$8100.00} 1st dispute letter sent XX/XX/XXXX they claim they verified debt but sent no proof on XX/XX/XXXX 2nd dispute letter sent XX/XX/XXXX once again claimed it is verified but no proof XX/XX/XXXX 3rd dispute letter sent XX/XX/XXXX and no response
Product: Debt collection

I believe XXXX and XXXX has violated the FDCPA and the CFPB by engaging in unfair, deceptive, and abusive practices in its attempts to collect my debt : XXXX and XXXX misrepresented the nature of my debt by submitting a garnishment summons to my bank requesting more money than owed. 

XXXX and XXXX unfairly initiated the overgarnishment of funds from my bank account. The law firm requested the garnishment of an additional $ XXXX over the amount owed on XX/XX/year> after already garnishing the amount on XX/XX/year>. 

When I notified XXXX and XXXX of the overgarnishment, they responded on BBB essentially stating that they can keep having the bank remove the full amount from my bank account until the bank sends the funds. 

When I spoke to the bank, they stated that when they garnished the $ XXXX on XX/XX/year>, they did everything correctly and advised me to submit the related bank statement to XXXX and XXXX XXXX which I did. 

So either the bank is lying or XXXX and XXXX is lying, either way, I'm willing to lead a class action over this issue...
Product: Credit reporting

I am a victim of identity theft and Equifax refuses to assist me in making sure my credit profile is accurate. I have several records as proof. 

I am trying to repair the damage done to my credit due to identity theft. I have been disputing information for several years and this credit bureau has been extremely uncooperative and frustrating for the past XXXX years. I am unable to log onto my account because the security questions asked are inaccurate ( due to ID theft ). When I call Equifax, I am unable to speak with a live person for assistance. I was able to speak with an Equifax agent via chat who was unwilling to assist me ( I added attachment log ). When I send disputes via certified mail along with a copy of my drivers license and current address, I either receive no response or I receive a response which states they are unable to process my request. 
The Fair Credit Reporting Act Section 607 Compliance procedures [ 15 U.S.C. 1681e ] section B states ; Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I would like a copy of my Equifax credit report. I would like to speak with a LIVE person so I can dispute and freeze/unfreeze my credit. I would also like an account missing from my credit report added to my credit profile. The FCRA states in back and white that I should have all of these abilities. I need my credit report to be accurate in order to live a productive life. I am unable to open a loan to buy a home or vehicle. I am unable to open a credit card or establish credit. This has become mortifying and I if no action is taken I will have to seek out an attorney. Please help.