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

Ive sent Discover multiple correspondences in regards to reporting inaccurate account information. Demanding them to delete/remove the account, but my demand has fell on deaf ears. At this point Im left with no choice but to take my ignored complaints to a higher governing authority. The XXXX, XXXX XXXX. XXXX XXXX, The CRA must give you a written report of the investigation. Also pursuant to XXXXFCRA states that if the account is inaccurate it must be deleted. 
As mentioned in the FTCs Advisory Opinion Press Release on XXXX, In sum, it is our view that a CRA that always scrambles or truncates account ( or social security ) numbers does not technically comply with Section 609 because it does not provide " accurate '' ( and perhaps not " clear '' ) disclosure of " all information '' in the file. I notified Discover of this FTC violation and it appears they ignored it. 
I have also notified XXXX in regards to this inaccuracy of this account. XXXX and Discover have both failed in their responsibility to conduct an appropriate investigation of the account. As seen in, Estate of XXXX v. XXXX XXXX XXXX XXXX. XXXX. XXXX ( XXXXXXXX XXXX XXXX  ). XXXX is known for claiming to have verified an account without ever providing proof. 
In conclusion, Ive notified XXXX and Discover both have failed to uphold their FCRA, as well as XXXXFCRA duties. This has brought great distress due to the fact that I have gotten multiple denials for auto and home loans etc. This is defamation of character on multiple levels and libel, which has harmed my abilities to acquire these basic necessities of life.
Product: Credit reporting or other personal consumer reports

I trust this correspondence finds you in good health. I am writing to bring to your attention a troubling discrepancy within my credit report concerning late payments associated with my account. Upon meticulous review of my report, I have identified instances where late payments have been inaccurately recorded, adversely affecting my credit standing. Upon contacting the companies linked to these accounts, they acknowledged a fault on their part. They have committed to rectifying the error by updating and amending my accounts to accurately reflect my payment history. They attributed these inaccuracies to a system glitch that led to the erroneous reporting of late payments. It is perplexing to me that while other credit bureaus have already rectified the status of these accounts, your bureau continues to report these late payments. This disparity in reporting raises doubts regarding the verification protocols employed by your bureau to ensure the precision of reported information. 

XXXX XXXX XXXX, XXXX XXXX
Product: Debt collection

i have been trying to refinance my land contract mortgage and I do not get a response from the fiduciary or the title company where the mortgage was created.

1. Who own my real estate contract now? Did you sell it to someone else? Respond to this question 2. Did someone paid it off? Respond to this question 3. please provide receipt of the final transaction before transfer/sale advising where the funds went, if they were sent partially to different places, a receipt of the transaction 4. May I have copies of the cashed checks and all checks I have paid for the contract ( cashier checks I provided to the trust company XXXX Escrow ). I was told by the senior law office and the veteran case worker ( we are military family and married to military officer ) that we are to have copies of front and back of all checks we paid and given to the escrow company since WE paid them. It is our money from pensions and social security. 
XXXX. The courts should have XXXX but only XXXX appeared to payoff the real estate contract that wraps the XXXX XXXX XXXX XXXX ( XXXX ) XXXX. If there is a " change in the terms '' please provide reasons of change.
Product: Debt collection

PLEASE ACTUALLY READ : STOP IGNORING YOUR COMPLAINTS OF LEGAL VIOLATIONS, I AM NOT ASKING FOR VERIFICATION : YOU ARE VIOLATING ILLINOIS STATE LAWS This is getting out of hand with Persolve and I will have to involve legal action as they CONTINUE to meticulously ignore the Illinois law. I previously made a XXXX complaint informing them they are in violation of Illinois statute 205 ILCS 740/ Collection Agency Act. Which clearly states to collect a debt that the company must be licensed as a collection agency in illinois with the Illinois Department of Finance. Persolve continues to IGNORE this statement and keeps telling me they verified the debt. Persolve is pretending to be ignorant in order to not correct this issue. 

I AM NOT REQUESTING VERIFICATION. I am stating that your company is breaking Illinois law and this has been reported to the states attorney. You all are not allowed to collect i this state by any means until you have the proper licensing. And then you continue to lie about the owner of the debt. When i made htis statement you told me that Persolve did NOT own the debt and that XXXX XXXX XXXX XXXX XXXX owned the debt, which is not true. 

When I questioned XXXX XXXX XXXX XXXX XXXX and Persolve about this they BOTH confirmed that Persolve owns the debt and it the one attempting to collect. Which makes it illegal for them to collect without the proper license. Why lie about the owner of the debt? This just proves that they are being shady Delete this account immediately or the states attorney will be forced to investigate your firm. I live in Illinois and I am subject to illinois collection laws.
Product: Checking or savings account

I tried to withdraw money from RobinHood into my XXXX XXXX  account to pay my mortgage. They have my account restricted for no reason and can not provide an answer why. I have given them bank statements and all a documentation asked for. I have used them for XXXX  years and my bank has been verified with them the whole time. I have never had an issue and now all of a sudden my account is randomly restricted and they will not give me my money. Please help.
Product: Credit card or prepaid card

My USAA Visa card last month stated that I did not owe a minimum payment, " {$0.00} '' even though I had a balance of {$940.00} owed for insurance payments to USAA. So thinking the payments were not due, I didn't pay anything. Then this month the bill still says no minimum payment due, but I found I was charged interest of {$7.00} because I didn't pay the balance owed last month. Nowhere does the bill state interest will be charged if the balance is not paid, even though the bill says no payment is due.

In addition USAA used to bill the insurance balance in four monthly payments on the credit card, without interest charged. Apparently that has stopped though I was not notified. An insurance person said it's still happening, but the bill and the credit card people say that program ended.

USAA needs to get its act together, and tell its customers when interest will be charged, etc. I've been a member since the 1960s.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SUBMITTED MY DISPUTE BACK IN XXXX OF XX/XX/XXXX AND IT IS NOW XXXX AND EQUIFAX HAS NOT UPDATED MY REQUEST. THIS IS A PROBLEM BECAUSE I HAVE BEEN WAITING FOR 3 MONTHS FOR MY RESULTS.
Product: Checking or savings account

Several weeks ago, I tried logging into the citi mobile app for which I have biometrics access but was required to enter my password, which I understand happens from time to time. I must have miskeyed my password so I keyed " forgot password '' to reset it and start over with a new one - I would get a request for my fingerprint, which I would use, then it said " do you want to reset your account password with Citi trusted identity? '' and I would click yes, it would ask for my fingerprint then the screen would flash and I would be back at the login page to start again. I tried accessing my account from a desktop but couldn't because it was locked. I have a credit card and a high yield savings account with Citi. I tied both accounts to my XXXXXXXX XXXX account which is my primary and I used to be able to transfer money from that savings and have my auto payments for my credit card also set up. I cut up my credit card because I used it for some XXXX finance charge benefits but didn't want to keep using it - I also didn't want a debit card for that savings account so I cut that up because I could transfer money online. But now that i can't get into the app, I don't know what to do - everything is in the app - my statements, my account information, everything and without a card number, I can't even reset anything. So I called and requested a replacement credit card - thinking I could use that once activated to reset my password, but no - account still shows locked and now it says that my information isn't correct- which I know is wrong since I know my birthday and I'm staring at the card as I type the number and CVV. I just want access to the mobile app like I used to - biometrics seemed the safest so I'm not sure why it's not working. I've called several times and although the reps are helpful their hands are tied to help me- the last young man suggested I go to a branch but I live in Texas and apparently all branches in Texas are closed. I am taking a trip to XXXX XXXX this weekend for a wedding so I looked there but they also have no branches- seems like everything is in the northeast. I am happy to give them whatever they need to verify me but I can't ever speak to anyone who can verify me because they're not allowed to have that information - I don't know what else to do but at this point I just want to close my savings account and get access to my mobile app again so I can maintain my payments to my credit card. I am a well educated person, I have tried everything so this is my last resort hoping that they will give me an option to verify who I am without having to travel to New York from Texas or send my private information to some address where i can " hope '' someone takes pity on me and helps me. I don't know how they can operate this way- never had any problems with them but omg not having access to the mobile app gives me no access to my money and XXXX forbid I had no way of making my payments that would cause me more problems. Please help.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this items for me to ensure accuracy. 
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Equifax, XXXX and XXXX
Product: Payday loan, title loan, or personal loan

I received my loan from  Title Max   XXXX   XXXX   XXXX   office. I have moved to  XXXX  for work. I now have a   XXXX   drivers license and my trailer is registered in  XXXX . I need to register my truck in   XXXX   To do that I have  XXXX  option s : Title Max se nd my   XXXX   title to the   XXXX   XXXX   and then   XXXX   send s title Max  the new    XXXX    title  ( thi s is common ). Or  Title Max  sends   XXXX    XXXX  a letter refusing to send the title . Title Max  refuses to do either. I have talked with the office  manager a nd she says she ca n't do either. On  XXXX   XXXX  I reached out  Title Max corp orate and they gave me number to dis trict manager . I have left numerous messages and not call or solution. I contacte d Title Max  corporate again on  XXXX   XXXX  letting them know I have gotten no where. I reached out to corporate again on  XXXX   XXXX .   Now my temporary   XXXX   plates are expired, I c a n't drive my truck to work, I ca n't work, ca n't get paid,  ca n't pay loan. All of this is because of  Title Max.  I am also a  XXXX  veteran and c a n't drive t o appointments.     The original address on the loan was  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX     XXXX
Product: Credit card or prepaid card

Personal Statement After speaking to XXXX, they told me to file a complaint against American Express. On XX/XX/2021, XXXX deleted the ecommerce online store from my website XXXX. On XX/XX/2021, XXXX done a charge back of the {$320.00}. 
One of the American Express Representative determined that I signed a contract, for no refund, online. Thereafter, determined that I will be rebilled {$320.00}. However, I filed a second dispute because XXXX Financial Team gave me a refund, first, on XX/XX/2021. 
I explained to XXXX that American Express is billing me {$320.00} for the six-month ecommerce online store that you deleted XX/XX/2021. And that I had to shop around at other places because I could not use anything on my website because it was deleted. 
Someone from their Collection Team at XXXX told me to use a replacement card to reactivate your ecommerce online store because of the charge back XX/XX/2021 and for me to dispute it with American Express. Therefore, I used my other American Express Card Business Prime XXXX to activate the ecommerce online store, XX/XX/2021. 
In any event, I like {$320.00} credited to my account # XXXX from America Express and the case closed because I had to use another credit card to pay for services. 
Respectfully submitted, XXXX XXXX XXXX Oath I declare state under penalty of perjury that the foregoing is true and correct. Executed on XX/XX/2021. ( 28 USC 1746 ) Respectfully submitted, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ok I have issue with midland credit mAnagement mcm I disputed that I needed to see the original certificate of indebtedness and the original contract with the three signatures that included the original creditor which is not mcm they never brandished anyone of them so my issue with XXXX is that they said they did their investigation and found that the info is correct first off it's 3rd party creditor mcm is so already since they discusses my personal info with the original creditor that's unlawful and breech of a fairytale contract that mcm and the alleged corporate fiction XXXX XXXX has with them so for XXXX to not recieve proof of a certificate of indebtedness and orinal contract is illegal unconstitutional and I not only am seeking the maximum monitary for damages and violations I want mcm collection off my record and XXXX to pay the maximum amount XXXX per violation I count XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against EXETER FINANCE LLC account # XXXX on XX/XX/2023 because I found inaccurate reporting on my credit reporting from EXETER FINANCE LLC and according to the FAIR CREDIT REPORTING ACT I have the right to 100 % accuracy on my credit report. I complained about the inaccurate DATE OPENED, HIGH CREDIT DISCREPANCIES, LAST REPORTED DATE DISCREPANCIES, DATE LAST ACTIVE DISCREPANCIES, DATE OF LAST PAYMENT DISCREPANCIES, & TWO-YEAR PAYMENT HISTORY DISCREPANCIES. The company responded on XX/XX/2023 that the information reported on my credit report was verified and accurate which is completely false because I pulled my credit report after my monthly report updates on XX/XX/2023 and EXETER FINANCE LLC still has inaccurate information and discrepancies reported on my credit report. The law states that if ALL inaccurate information & discrepancies arent updated within 30 days of the complaint then the account MUST be DELETED from consumers credit file. I request that the account is deleted from my credit report immediately! 
I have attached documents to support my claim such as : - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - XX/XX/2023 credit report with account, inaccurate information, & discrepancies HIGHLIGHTED - Companys response that verified was accurate and verified which is NOT TRUE. with response HIGHLIGHTED According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy section ( 5 ) ( A ) ( i ) states : If, 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
Product: Credit card or prepaid card

I submitted verified and proper documents ( to NAVY FEDERAL CREDIT UNION ) fraud dept. The financial system my personal information is include into is a system i have no control of who can hget access to at any given point ( Black web, Data Breaches, and online credit card fraud just some examples ). So these issues alone by law ( FCRA act ) .constitutes that i should be by law made back whole before identity frraud occured. 

The documents submitted via IRS Form : 14039 identitty affidavit/ Nototrized Affidavit of identity FTC report # XXXX Copy of Data Breaches confirmation letter from XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection effort for XXXX XXXX XXXX XXXX for a bill that was paid.
Product: Mortgage

My property was foreclosed XX/XX/XXXX ( judgement entered ). I contact my loan servicer, Ditech Financial LLC, on several occassions asking loan modification application after I was pre-screened on the phone if I qualify for a program. XX/XX/XXXX, I received a notice that a Sheriff Sale has been scheduled for XX/XX/XXXX. I contacted the loan servicer, Ditech Financial LLC, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX to receive a loan modification application as the sheriff sale on my property was quickly approaching. I finally received the loan modification application on XX/XX/XXXX and a full packet of XXXX-page document was returned to Ditech on XX/XX/XXXX via Fax. Since then I did not hear anything from the loan servicer again. I called on XX/XX/XXXX ( 4 times and left messages to my assigned representative ), and on XX/XX/XXXX ( 7 times, leaving XXXX messages ). I finally got through to customer service at approximately XXXX. and I was informed that they will not review my loan modification application since it is so close to the sheriff sale of my property. 

I have called countless number of times since XX/XX/XXXX, I filled out online " contact us '' forms, '' and called at least 15 times in the last two months leaving voice mails asking that Ditech calls me and provides me with a loan modification application. They failed to do so, until the very last minute so that they would not " have to '' review the documentation and take away my home. Why???
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted Identity Theft affidavit/Police Report in XX/XX/2019 ... per section 605b of the FCRA ... .all of the items listed as FRAUDULENT should have been blocked and or removed within 4 business days ... some of the items were removed but magically have found their way back onto my reports and due to the fraudulent items ... I have been denied a home loan! XXXX  is listing XXXX XXXX   acct # XXXX and XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX THEY were previously removed ... .EQUIFAX also is listing XXXX XXXX XXXX. acct # XXXX and XXXX XXXX acct # XXXX, XXXX   is listing XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX and XXXX XXXX acct # XXXX ... .as you can see even some of the account numbers are different but the creditor is the same ... ..most of these items were removed as they should have been and few were never investigated properly and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint with the CFPB informing them that the credit reporting agencies are reporting inaccurate information. Within that complaint I mentioned that WESTLAKE FINANCIAL SERVI XXXX was reporting a couple of late payments for the months that I paid on time. I should not have any late payments with this company. I requested that they be contacted and made aware of these errors so that they can correct and update the payment history. Somehow, in the midst of doing so, this account was deleted form my credit report. I specifically typed in my complaint " please do not delete this account ''. By this accounts being deleted, my credit score dropped, and the length of my credit history has shortened. I have be unable to obtain new credit. Reading is fundamental, and due to the someone's mistake, I would like for WESTLAKE FINANCIAL SERVI XXXX to begin furnishing information onto my credit report again, as long as they fix the errors. Here are the corrections that need to be made. WESTLAKE FINANCIAL SERVI XXXX. I have written this creditor and have not received a response. XXXX of XXXX *Shows 30 days late, but I paid on time. XXXX of XXXX * Shows 30 days late, but I paid on time. This creditor is also reporting two months of unknown payment history for months that I paid on time ; XXXX of XXXX *Shows unknown, but I paid on time. XXXX of XXXX *Shows unknown, but I paid on time. Please have the creditor correct the payment history of as soon as possible. Thank you so much for your help with this, and please make sure I receive a copy of my consumer report upon completion reflecting the changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  and Experian to inform them of errors and inaccurate information on my report. The first contact was XX/XX/2018 there were items resolved at that time but not all. The second contact was XX/XX/2018 at which time the following items were addressed but remain on the report still : I started the process of seeking a loan and discovered my credit had been compromised. Someone has accessed and used my credit without my authorization. Accounts and Inquiries now appear on my credit report that are inaccurate. I have contacted the police department and filed an identity theft report. I am a victim of identity theft. The information listed below, which appears on my credit report need to be updated as follows : The following name is NOT my name XXXX XXXX, please remove from my report. The following accts have NEVER been late, please cease reporting as late XXXX/ XXXX XXXX acct # XXXX ; XXXX/XXXX  acct # XXXX ; XXXX XXXX XXXX acct # XXXX. This is my third letter with the same accts and information still being reported inaccurately. I will pursue this issue until I receive an accurate credit report. 
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information.