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

This account was charged off on XX/XX/year>. Since then the account has repeatedly been updated as charged off every month. A charged off account should not include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have failed to investigate this account properly and your neglect has violated my rights that I exercised from 15 U.S. Code 1681i. I am demanding a deletion of the following account : XXXX  XXXX XXXX XXXX
Product: Debt collection

Im writing in regards to Capstone Credit & Collections who has ruined my credit with a debt I do not owe. The company operated by XXXX XXXX are abusive, and unyielding in their efforts to not remove a fee from my credit from an apartment complex I vacated over 4 years ago. They failed to send a letter to me verifying I owe this debt and still refuse to show me evidence this debt is mine. Ive sent two certified letters to them with no response. They have a history of violating federal credit laws and I want this permanently removed from all three bureaus. 

XXXX also filing against bureaus XXXX, XXXX, and XXXX for allowing this to occur against my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently filed complaints against 2 companies listed on my credit report thru the Consumer Finance Protection Bureau. The 2 companies are XXXX  and XXXX  and XXXX XXXX. I have attached the complaints and the company responses to my concerns. XXXX and XXXX said this tradeline should be remove and XXXX funding sent me correspondence that clearly states I do not owe them this debt as this debt came from another collection agency and that collection agency got it from another company. I do not have a contract with XXXX. Please delete this tradeline for non factual reporting. Please see the attachments and delete immediately.
Product: Payday loan, title loan, or personal loan

I am an XXXX XXXX XXXX XXXX Member, and I believe I entered into a contract with Avant under false pretenses via XXXX. Avant either should not have lent to me, or I should have been offered the 12 % interest cap, XXXX the Virginia Usury Law 6.2-303. My account was opened in XX/XX/2015, I resided in the state of Virginia during the time the loan was opened. I am simply asking for my case to be reviewed for fair practice as it pertains to the interest and Virginia law, if an adjustment can be made it would be much appreciated. Ironically I found out about the Virginia Usury Law, as a result of the Virginia Attorney General auditing another account I had with a different loan company, and informing me that my interest would be decreased due to predatory lending practices of that company ( this was unknown to me until I was contacted by the state Attorney General ), hence the reason I am looking into my loan with XXXX, in addition this astronomical payment is causing a hardship on my family, due to military relocations and my husband 's loss of income.
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 with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
- Persolve/Preserver Legal # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.
Product: Consumer Loan

Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.
Product: Credit reporting or other personal consumer reports

This letter serves as a fourth notice that the reporting of certain charge-offs and closed accounts on my credit report is inaccurate and unverifiable. Furthermore, your failure to ensure compliance with the Fair Credit Reporting Act ( FCRA ) constitutes negligence, as defined under 15 U.S. Code 1681o, which states : Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer as a result of the failure, as well as reasonable attorneys fees and costs.

Specifically, the following accounts are being reported inaccurately : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate entries of being reported as a charge off for more than one year. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Issue : This account was paid & closed but is reporting as a charge off. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Duplicate entries of being reported as a charge off for more than five years. 

Account Name : XXXX XXXX Account Number : XXXX Issue : This account is reporting 3 late payments but was in fact paid, closed and never late. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : This account is reporting one late payment but was in fact paid, closed and never late. 

Violations and Negligence Despite the FCRAs requirement under 15 U.S. Code 1681i to conduct a proper investigation of disputed information, your agency/organization has failed to : Accurately investigate and correct the reported information.

Provide complete and verified documentation proving the accuracy of the accounts in question.

Ensure compliance with FCRA requirements to report accurate and complete information under 15 U.S. Code 1681e ( b ). 
Your negligence in maintaining and verifying accurate information has caused damage to my creditworthiness, including denial of credit, increased interest rates, and financial distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the Fair Credit Reporting Act XXXX  Account : 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 instructions. 
XXXX XXXX XXXX : XXXX XXXX : Transunion XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX  XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX : XXXX : Transunion : XXXX
Product: Credit card or prepaid card

cfpd case # XXXX XXXX  XXXX case # XXXX date recieved XXXX XXXX i have tried to apply for a credit card that i was declined a credit card to re-build my credit and good faith has tried to do the right thing and was denied a credit and was discriminated against because not only because of the colr of my skin but it says in notice states that : the federal equal credit opportunity act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex marital status, age, ( provided the applicant has the capacity to into a binding contract ) ; because of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the consumer credit protection act. beacause back to the fact at hand i am XXXX and i am on a fixed income because well fargo has caused me to believe that i am being discriminated against against because not only because cause of m y race and income wells fargo has lead me to believe that i have no rights at all because not only because of my XXXX but has caused me to believe to make me feel that i don't deserve to have nice things and i don't have a right to become sucessful just like them. and they speak on the consumers. and they will make sure that every consumer be treated fairly. but in my case i was not treated fairly and wells fargo has caused me and has lead me to believe that i don't matter..
Product: Debt collection

on XX/XX/XXXX XXXX XXXX card charged {$6600.00} and I counties to dispute not mine.

rather they issued credit for this amount but wrongly they charged again. 

Now disputed charges increase to {$6600.00} XXXX = {$13000.00} On XX/XX/XXXX I send Identity Victim 's Affidavit to Collection Company PORTNOY SCHNECK, LLC but have not withdraw debt from my credit agancy.
Product: Debt collection

XXXX is illegaly attemptinh to collect on an unverified account which is in dispute. 
I have a dispute entered with the credit bureaus on this accunt and received paperwork for a judgement/ garnishment wages in the mail today.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and identified several inaccuracies that are affecting my ability to secure a mortage and overall credit. from my understading you will investigate the following account XXXX  XXXX # XXXX The following inaccuracy exist in this reporting " CREDIT LIMIT '' This inaccurate information falsely manipulates the statute of limitations. 
15 U.S. Code 1692e 15 U.S. Code 1681n
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had one late payments on an account that i was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/23 I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action.
Product: Debt collection

The CFOB has to put an end to the practice that allows debt buyers such as Cavalry Portfolio Services to post collection accounts on credit reports as well as the original creditor. The FICO scoring systems make no distinction that this is the same account that has been paid, they view it as XXXX separate derogatory accounts. Cavalary is reporting a derogatory collection account and the original creditor is reporting a charge off. So according to the FICO scoring systems there are XXXX derogatory accounts instead of XXXX. You have to put an end to this practice of doubling up on the damages. XXXX has refused to delete their derogatory trade line even after they were paid! I never had an account with Cavalry, I never broke a contract with Cavalry, I never had any kind of business relationship with this company. They paid pennies on the dollar for this account hoping to make a huge profit, which they did! And now even after they are paid and made a huge profit they want to continue to damage my credit for the next seven years. That is absolutely insane. 

You need to reign in these debt buyers and stop letting them report the same account multiple times. If Cavalry buys this debt then the original creditor should delete their reporting. It is crazy that these debt buyers are allowed to get away with this and destroy peoples FICO scores in what amounts to an extortion racket to coerce more money from consumers. Then even after they are paid they continue to damage FICO scores, causing thousands of dollars more in interest payments. 

I demand that Cavalry delete their negative trade line from all of my credit reports and you need to take a serious look at putting an end to this practice industry wide.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Mortgage

My Mortgage company ( Embrace Home Loans ) keeps transferring my loan to different companies for servicing. Their latest company is XXXX. However, after receiving the notice of transfer I still can not pay my mortgage or log into the provided website to check my balance. Also, the the XXXX customer service number is not working. 
The phone number for Embrace Loans is XXXX extension XXXX for the President XXXX XXXX. I 've called Embrace, XXXX, and XXXX and nobody can help me. Also, all the customer service people are located in the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 below : XXXX XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX
Product: Debt collection

I received the letter dated XX/XX/XXXX, from Mandarich Law Group , LLP regarding my current Creditor XXXX XXXX XXXX in the amount of $ XXXX never have creditor XXXX XXXX, and the balance was a charge off on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Affirm Inc Fraud Department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Affirm Ine absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed si acopy of my Identity Theft Report supporting my position, and acopy of my Police report showing the fraudulent items related ot your company that are the result of identity theft. Also enclosed si a copy of the CFPB 's Notice ot Furnishers of Information, which details your responsibilities sa an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the Information resulting from identity theft to any CRA. 

The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Ac, t that information you provided ot the CRA may be the result of identity theft. Those responsibilities include ceasing ot provide the inaccurate information ot any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account, and absolve me of all charges, take the steps required under hte Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Police Report Identity Theft Affidavit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything Has to be 100 % ACCURATE on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate on any. This is grounds for removal. 



Also In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 

XXXX  Account # XXXX, has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the credit bureaus took more then 30 days to complete my investigation which is grounds for Removal/Deletion Here are my CERTIFIED tracking numbers : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-10 XXXX XXXXXXXX Account Number : XXXX Delete this account. 
2. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. 15 US-CODE 1692E FALSE OR MISLEADING REPRESENTATIONS-10 XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 US-CODE 16921 XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 US-CODE 16921 XXXX XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 8. 15 US-CODE 16921 XXXX XXXX XXXXXXXX Account XXXX : XXXX Delete this account. 
10. Unverified Inquiry XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
11. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

This company has had a guy come up to my door once a week to deliver " legal papers '' for the last 7 months ; he stands on my front door knocking, taking pictures of my vehicles and property. Today, he approached my daughter who is a minor ( XXXX old ) and handed her " legal documents '' demanding her name while my other daughter and some neighbors witnessed the abuse, I was in the shower when my daughter walked in and told me what had happened. We feel harassed, and no longer feel safe at our own home, specially not after the way this individual has taken pictures of my minor kids and we are under surveillance by this individual.
Product: Money transfer, virtual currency, or money service

Hello PayPal team, my PayPal account link with the bank prompts for security verification, and the security verification page does not display my account mobile number, which makes me unable to complete the security verification, bank link and cash withdrawal, please help me I have contacted PayPal customer service many times, and the answer given to me is " wait ''. I have been waiting for two years. How many two years are there in life?
Product: Credit card or prepaid card

I was charged unexpected interest fees by Capital One. I acumulated {$720.00} worth of interest between XXXX and XXXX of XXXX. I had the card since XXXX of XXXX and had not been changed any interest at all. I had been unemployed for 9 months and sick with XXXX. I did not expect any interest and was additionally confused due to XXXX  fog caused by XXXX. When I learned that Capital One had started charging an unbelievably high amount of interest I was frightened and borrowed money from a family member to pay it off. I than contacted Capital One to attempt to request a refund or credit, under the circumstances with the pandemic and my sickness. I was told that there was nothing that could be done, and given the run around despite apealing to their humanity and explaining my financial hardship and XXXX. I have continued to call them, escalating to multiple managers, only to be told over and over again what their policy is ( which does not account for Covid in any way ), and that they will not help me. It is important to note that through this experience I also learned that Capital One has a policy they claim is intended to assist people with financial hardship by allowing them to skip payments, but it immediately puts them into a situation where the will be changed interest. I know that other credit card company 's are forgiving interest due to COVID and I am very disappointed and frustrated to know that Capital One cares more about policies than peoples lives.
Product: Credit reporting or other personal consumer reports

After inspecting my credit report, I noticed several mistakes. The three credit bureaus are required to validate these accounts per Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

Reporting unverified information without proof within the legal period is not allowed. 
Please investigate and correct the following accounts listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've recently receieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.