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

XXXX has fixed the transaction history that was illegally reported per the privacy act, but failed to fix the inaccuracies on the report including labeling the account as " Repossessed/Never Late '' but did not remove the transactional dates either. On XXXX XXXX, it states that the payment is XXXX and Experian states XXXX with a balance owed of XXXX which neither of those payment amounts line up to that balance. This company has harassed me, stole a vehicle to which i hold a lien to title as well as the title, has harassed my family, employer and friends. This account is to be removed, and this company is to halt all harassment immediately. 

Attached is proof of inaccuracies including dates " missed '', inaccurate payment amounts, inaccurate, name and address reporting, inaccurate APR and falsely reporting a repossession on my credit report. 

This is to be fixed across all credit reporting agencies immediately. 

Also, after illegally removing the vehicle from my possession CAG has not provided me with a letter of intent, which i have provided them with notice of default, as well as intent to cure, both of which i have received no response too.
Product: Credit reporting or other personal consumer reports

I have incorrect information on my report, and the representatives from each that I spoke with did not seem to have any interest in assisting me with removing the information. I have sent multiple dispute letters to try and to show them how severe this is to my report but still no help. So I have listed all of the inquires next to the specific bureau below in hope that filing this complaint 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, credit repair services, or other personal consumer reports

This submission is NOT from a third party. I, XXXX XXXX XXXX XXXX the natural person, consumer, & agent is currently being suppressed by not being able to exercise my rights as a federally protected consumer. On XXXX I sent out a Debt Validation letter along with a cease & desist with requested information via certified mail to TARGET CARD SERVICES for debt validation purposes. Im not asking for verification of an alleged debt, Im requesting information to validate the alleged debt. I gave them 30 days upon receipt to investigate information & they received it on XXXX. They are now 30+ days late. They are knowingly reporting false misleading information without proper validation. All references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Can I get some assistance with this issue? Thanks. I will attach attachments
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : Cease and Desist Request for Debt Collection Dear Jefferson Capital Systems, I am writing to formally request that you cease and desist from any further communication with me regarding the alleged debt referenced in your Account XXXX filed XX/XX/XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that you stop contacting me about this matter. 
Please consider this letter a formal request for you to cease any further attempts to collect this debt, including phone calls, letters, or any other form of communication, except for the purpose of notifying me of any legal action you intend to take. 
If you continue to contact me after receiving this notice, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and may consider taking legal action. 
Please note that this letter does not acknowledge or assume responsibility for the debt in question. This request is being made solely to halt communication related to this matter. If you believe this debt is valid and wish to pursue further action, you are required by law to provide verification of the debt. 
Please confirm in writing that you have received this request and that you will comply with the cease and desist order. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX 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 report agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion : Please see the activity of my Transunion Credit Report, these inquiries were not authorized by myself. 
XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX : XXXX
Product: Credit card

XX/XX/XXXX : I wrote final check on checking account bringing balances in both savings and checking accounts to XXXX  ( # XXXX XXXX & XXXX ). I personally visited my home branch and told the platform officer to closed my accounts PLUS my credit card as I no longer am doing business with PNC. I listed the XXXX accounts and handed them to the officer. I tore up my debit and credit cards. There was no further activity on my end as to any checks drawn, cash withdrawn, auto-pay, bill pay etc etc etc, nothing. 
In XX/XX/XXXX I received a letter from PNC that an overdraft had occurred and the credit card was being used for a cash advance to cover such. Firstly, my accounts were never closed by PNC leading to this situation. Secondly, I NEVER authorized my credit card to be used ( or linked ) to either my savings or checking accounts. 
I called the XXXX # and inquired as to why the accounts were still open and what the overdraft was about. I was advised they had no record of the account closure being made. I restated my desire to close the accounts and several days latter received a letter of such. 
Several more days and I received another credit statement with an open balance and due date to pay. I then called the credit card XXXX # to question the statement and received no explanation ; only that the charges were " valid ''. 
I good faith I went to the branch again to attempt resolution. The officer printed activity reports showing XXXX balances in XXXX and the overdraft activity in XXXX. It was decided to send PNC corporate an " official inquiry ''. 
Several days later I received a call from PNC corporate ( XXXX ; XXXX ) who then looked into the matter. 
Several days passed and she called saying " the branch could not confirm any promises made to close the accounts ''. Clearly double-speak that the branch had failed to follow my instructions. Further, XXXX refused to close the accounts at that point when she was obligated to. Frustrated, I then questioned why my credit card was used for overdraft without authorization or permission and she said she would have to investigate further, but that the account was now delinquent. I strongly objected saying it was NOT delinquent because it should have been closed and more so was done without authorization. 
XXXX said the investigation would take another 30-45 days. She also refused to freeze the account till then. 
Please intercede!
Product: Student loan

I have XXXX outstanding student loans and am XXXX XXXX XXXX XXXX XXXX  I applied for the loans to be repaid under the XXXX program. XXXX loan ( a XXXX  loan ) was placed in the XXXX program and is in administrative forbearance. The second loan ( a XXXX XXXX XXXX loan ) is not included in the XXXX program and is entering repayment. I sent numerous emails to AIDVANTAGE during XXXX to resolve this issue by including both loans in the XXXX program. 

Please note, that I applied for the XXXX program in XX/XX/XXXX. My original loan servicer was XXXX and I received a letter of acceptance into the XXXX program on XX/XX/XXXX. I received letters of acceptance from AIDVANTAGE on XX/XX/XXXX and XX/XX/XXXX. 

Also, the repayment plan for the second loan is not an Income-Driven Repayment ( IDR ) plan and should be as I am not employed and on a fixed income ( SS ).
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number different between bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed an account with XXXX XXXX XXXX on XX/XX/XXXX, when I paid the account in full on XX/XX/XXXX, they reported the information to the credit bureau as account being closed XXXX XXXX. This impacted by credit score negatively by 30 points. I have been notifying XXXX XXXX XXXX and the credit bureaus since XXXX, XXXX. XXXX finally submitted the corrected information to Transunion and they have updated my credit file with the corrected information, but they are telling me they can't do anything to correct by credit score to recover the 30 points that was lost because of XXXX error. My credit score with Transunion at the time was XXXX and it failed to XXXX, and my score with XXXX was XXXX and it failed to XXXX. I think its very unfair for my score to be negatively impacted because of an error by the bank. The bank has corrected their information with the credit bureaus, TransUnion have updated the corrected information in their system, but I'm continually told it's nothing they can do to correct my score. Thanks for your support in advance.
Product: Credit reporting or other personal consumer reports

Help me create a dispute letter using XXXX civil liability for nine compliant social Security numberXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently looking to make a business investment and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : 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 know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( XXXX ) 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. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 

I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

Repeat calls and messages to return call about a debt to bull city financial. I owe nothing to anyone, never charged anything etc. Maybe they have the wrong number and or person but they need to stop especially since I'm on the no call list. 
Number calling is XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit, but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial wellbeing.
Product: Credit reporting 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 verifiedthat this item are being reported correctly? Who verified this item? 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 ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX XXXX for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against Upgrade Inc. for failing to comply with applicable federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding debt cancellation reporting. 

Complaint Details : XXXX. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, has been written off, as reflected in the credit reports. If the debt was canceled, XXXX XXXX is required to issue a 1099-C to me and the IRS as mandated by the IRS regulations . 
To date, no such documentation has been provided. 
XXXX. Potential Double Reporting and Collection Violations : Despite the charge-off, XXXX  XXXX continues to report this account to credit bureaus as owed and delinquent. If a 1099-C has already been issued, continuing to collect or report on this debt constitutes double-dipping, a clear violation of IRS regulations and FCRA provisions requiring accuracy in reporting.

3. Failure to Validate Debt Upon Request : Attempts to obtain full validation of the debt, including proof of ownership, payment history, and any transfer or sale of the debt, have gone unanswered or insufficiently addressed by XXXX XXXX. 

Requested Resolution : XXXX. Provide a complete response regarding whether a 1099-C has been issued for this debt and a copy of the filing if it exists. 
XXXX. If a 1099-C has been filed, immediately cease all collection and reporting activities related to this account. 
XXXX. If the debt has been sold, provide proof of the sale, and verify that XXXX XXXX is not continuing to claim the same debt. 
XXXX. Remove all inaccurate reporting from credit bureaus and confirm compliance in writing. 

Failure to address these concerns promptly will result in escalation to state and federal authorities. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I sent Calvary Portfolio a validation letter asking to present all of the Original Account/Loan-Level Documentation ( OALD ), verified under oath and penalty of perjury by the opposite original transacting party in accord with the provisions set forth at 15 U.S.C. 1692g ( a ). I received a response on XX/XX/2022 without the requested documentation. 

At no time did I provided a non affiliated third party such as Calvary express authorization to utilize my personal identifying information, I also never gave prior consent to the debt collector to communicate with myself in connection with any debt. 
I feel that they are in violation if the FDCPA
Product: Credit reporting

name on my transunion reports, reports a name of mine as XXXX XXXX, have no such name
Product: Mortgage

XXXX XXXX transferred me to SPS ... SELECT PORTFOLIO SERVICING IN 2015 XXXX. I HAVE MADE ALL MY PAYMENTS ON TIME TO XXXX AND SPS. somehow and i still do n't know why, XXXX took my payments and divided them saying that i owed XXXX $ then i wrote for a research and investigation.when sps contacted XXXX/after a year of harrassment calls and letters they then said i owed another XXXX remember i made all payments never late or missed.i contacted CONSUMER COMPLAINTS SEVERAL TIMES TO NO AVAIL.now after 14 m0nths i am getting new harrassment letters of forclosure.to stop the harrassment i have been sending extra payments to sps on XX/XX/XXXX, with my reg XXXX payment.this XXXX holiday SPS SENDS ME MORE FORECLOSING LETTERS THE SAME SAME LETTERS I RECEIVED 14 MONTHS AGO ... REALLY .PLEASE GET THEM OFF MY BACK AND IF U CAN FINE THEM FOR THEIR INEPTITUDE AND UNPROFESSIONAL DEALINGS WITH ME FOR OVER A YEAR. thanks XXXX XXXX
Product: Debt collection

XX/XX/2021 the rep called from Revenue cycle associates at XXXX XXXX, Im upset they are harassing me so early in the morning an being rude about it. This needs to stop immediately as they are not allowed to legally call me that early. I want all calls to stop and to only contact me via mail for now on.
Product: Debt collection

This makes the 3rd attempt to resolve this is issue with no satisfactory results. I thought by requesting to closed the account would resolve the issue but I'm still getting a statement saying that I owe for charges they I didn't make. I requested that they stop reporting this on my credit report and I was told that wasn't possible and it has been reflected negative on my credit report!
Product: Credit card or prepaid card

In XX/XX/XXXX, I received a call from Discover Account Services. They asked if I was XXXX XXXX XXXX , I explained that I wasn't but I was married to a XXXX and had been divorced since XXXX and my middle name didn't begin with an H. They proceeded to tell me that I had a balance of over {$8000.00}. I told them this must be fraud as I haven't had a discover card since XXXX when I applied for a mortgage. Many phone calls in XXXX and XXXX finally resulted with me speaking to an individual who explained that the account was paid to {$0.00} in XXXX but not closed. She then closed the account and gave me a reference number. She said should I receive any calls to give them this reference number. 

Today, XX/XX/XXXX, I spent XXXX hours on the phone because I received XXXX invoices from Discover informing me that I had a new balance of {$400.00}. I was transferred XXXX  times and the last woman I spoke with, XXXX in XXXX, informed me that she spoke to the " Specialty '' Department and they had taken care of this and my account will be XXXX. 

Dear Government representative, during this time my credit score dropped XXXX points and I asked if this could be cleared up since the problem was on their end and they have no answer for me. I am a US Citizen, a XXXX XXXX who hopes to retire in a few years. I have a mortgage and I am concerned that this situation/issue, through no fault of my own, will affect either my social security or pension in the future. Not to mention should I want to downsize and get another mortgage. 

Can you help me? I want this account in this name no longer associated with my social security number and address. I want a summary of my account showing that it was closed ( that I could show a bank or other financial institution ) and my credit rating restored by Discover card informing the credit reporting agencies that this was an error on their end. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the account included on my credit report is either not mine or was opened without my knowledge. I need your help to remove this account from my report. Any account referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX XXXXXXXX Balance Owed : {$0.00}