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

The following accounts were charged off. Upon reviewing my current credit report, the accounts have been repeatedly updated as a charge off every month. My understanding is that charge offs should not have an active payment history. This is not legal as it unfairly manipulates the statue of limitations. Ive disputed this multiple times with Transunion and XXXX and they have not responded nor removed the accounts. One account in particular XXXX I paid it off but then in XXXX of XXXX they updated the account by adding late payments made in XXXX which dramatically reduced my credit score. The account was closed but when I sent them a dispute letter they added late payments from XXXX. XXXX should not have went in a closed/paid off account and added late payments from XXXX. 
I am requesting that the following accounts be deleted immediately : 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

I have looked over my credit report and I see several addresses I do not live at listed on my report. My name is XXXX XXXX XXXX The following address are not mine and need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Money transfer, virtual currency, or money service

Tried purchasing a XXXX XXXX from one " XXXX XXXX XXXX '' in Texas. Dealer license was active and clear, website was good, and email addresses were matching. I spoke and received emails from multiple people from the sales rep, financial team, to the warehouse manager who washed and cleaned the car. They sent over bill of sale and financial forms to fill out. I applied for in house financing and was approved. I submitted everything and then wired {$10000.00} into their business account.That happened on the XXXX of XX/XX/year>. The car was loaded onto a hauler the next day, they sent me pictures for verification. I followed up with them over the 2 days and they said that vehicle is still in route and will make it by Saturday. Saturday came and at about XXXX they called to let me know that the hauler was in a collision and they do not know the status of the vehicle. Being in logistics I knew where to look to find the collision report and low and behold, there was nothing anywhere. That point I knew it was a scam. I called them Monday, they said that they will be refunding me and then again I had another feeling. The XXXX I filed the report with my bank, Citi Bank, as well as a police report and another report with the XXXX. On the XXXX I called Citi Bank to see the status and the XXXX XXXX XXXX XXXX  acknowledged the receipt of these documents. Since then I have called multiple times being assured by the bank that they are " still in communication and are sending follow up emails ''. It has been 90 days now and I just found out yesterday from a Citi Bank Supervisor that the last correspondence they had with XXXXXXXX XXXX  was th XXXX of XXXX. So the whole time they were telling me they sent email and were in contact, they were not. I still have yet to see anything at all in regards to a resolution. Wether I am getting my money back or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : The following accounts are showing on my credit report that have not been legally validated and verified. The original creditor has not provided validation and the Court refuses to validate this debt as they can not find any record of it. Please verify and validate it or remove from my credit reports immediately or I will begin litigation. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : Accounts : XXXX XXXX {$350.00} XXXX XXXX {$180.00} XXXX XXXX XXXX {$210.00} XXXX XXXX {$450.00} XXXX {$1400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX, XXXX {$730.00} Thank you for reviewing this and getting these items off my report immediately. Sincerely, XXXX XXXX XXXX XX/XX/1992
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed several fraudulent charges to my Union Bank credit card made since XXXX, XXXX. I had not made any purchases to the subject credit card in a few years and did not notice any charges until early XXXX, XXXX. The fraudulent charges are as follows : - XX/XX/XXXX - {$180.00} - XX/XX/XXXX - {$280.00} - XX/XX/XXXX - {$140.00} - XX/XX/XXXX - {$170.00} - XX/XX/XXXX - {$100.00} - XX/XX/XXXX - {$94.00}. 

In addition to the listed charges, my credit card account was also charged a late payment fee in the amount of {$27.00} on XX/XX/XXXX, and {$37.00} on XX/XX/XXXX. I called Union Bank on XX/XX/XXXX when I first discovered the unauthorized charges and reported the above-listed charges as fraudulent. I was informed that the charges would be removed from my account as soon as an investigation was concluded and sent a replacement card since my current account was compromised. Instead of any of the promised actions, I received a collections letter from Union Bank on XX/XX/XXXX letting me know that I had not paid my credit card balance. In response to the collections notice, I called Union Bank on XX/XX/XXXX to determine what actions had been taken with respect to the fraudulent charges. After nearly 3 hours of being transferred from department to department and having to call back in when my calls were randomly dropped, I finally spoke with a customer service manager named XXXX, who let me know that a fraud investigator had not yet been assigned to my case. I was told that one would be assigned in no later than 48 hours, and that I would be able to find out the status of my case. I expressed concern that my credit score would be negatively impacted in the time it took to review the fraudulent charges. I was assured that the matter would be handled quickly and before my credit score was impacted. On XX/XX/XXXX, I received a notice from a credit monitoring service that my credit score went down. I called Union Bank the same day and after nearly 2 hours of being shuffled from various departments, abrupt phone disconnections, and the same circular explanations of a fraud investigation with no access to anyone who could provide the status of my case, I finally was able to speak with someone and was told that a letter dated XX/XX/XXXX was in the process of being sent to me with a form that I needed to fill out to confirm that the charges were not authorized, and finally reverse and conclude the matter. As of XX/XX/XXXX, I have not received any such form. 

I am frustrated and upset that my credit score was negatively affected by what I believe should have been a relatively routine dispute. I have taken every action, given as much time as possible for Union Bank to resolve this matter, and made myself available to respond to any required actions or questions, but at this point, I don't know what to do because I continually receive the same placating and circular responses with no concrete proof of any action being taken to address and remove the unauthorized charges from my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing this letter to request an investigation of the following information that appears in my Early Warning Systems consumer report. I have identified several inaccuracies that need your immediate attention and resolution. 

Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 want to clarify that I have no association with these accounts and did not provide any personal information to open them. It appears that these accounts have been opened fraudulently, without my consent. I kindly request that you investigate this matter and remove these accounts from my report. Enclosed are copies of my identification and any other supporting documents that may assist in your investigation. I would appreciate your prompt attention to this matter, as it is crucial for my financial well-being. 

Thank you for your assistance. I look forward to your timely response. 



Sincerely, XXXX XXXX
Product: Mortgage

We submitted a complaint about RoundPoint Mortgage last week about them not paying our property taxes and miscalculating our escrow despite concerns from us. 
We need to add to this complaint as more information and mistakes was discovered since then.. 
After requesting an escrow analysis, which we still havent ' formally received, they called us and started saying we would owe about {$600.00} more in monthly payments. Yes, that is correct {$600.00} more!! with no clear explanation nor written proof. 
After some digging on our end, and making math we realized they never paid any single of our PMI premium. They were not even aware of it, or at least didnt tell us and were not transparent about that. 

So now, this is what Roundpoint is trying to do : - they want 17 months worth of PMI so they can reinstate the insurance ( {$1800.00} ) - they want 2 months of escrow cushion ( {$1200.00} ) since the escrow is now to almost XXXX This is not required, even less when no further major payment will be due until XX/XX/XXXX ( hazard insurance ) and taxes XX/XX/XXXX/XX/XX/XXXX. 
- they want to cover {$700.00} of gap since $ from our XX/XX/XXXX andXX/XX/XXXX monthly escrow payment were used toward XX/XX/XXXX property taxes - and lets not forget the {$1200.00} of tax refund we are not getting in our tax return because of their mistakes. 
- also, our taxes still show as unpaid on the XXXX county website .... the money is out of the escrow, and they claimed they paid, but again I will only believe it when i see it. 

This company is a fraud. Reviews online are horrific! we talked to a lawyer today to help us on how to move forward. Apparently it is not the first time they hear from RoundPoint at all. How is a company like that still running? 

We never talk to the same person, each time, we have to re explain everything, and they have to talk to their third party team. They know nothing. 
We have mailed a letter of error for the taxes, we have emailed and sent multiple messages through their message center - we got absolutely NO written answers from them. Zero. We get phone calls from different supposedly managers. We waste time and nothing is formal or clear. They did not even know they didn't pay PMI which is a requirement of our loan to protect THEM! And now they want this money back from us? 

We will be making noise about this. 
This is all unacceptable and stressful. I am XXXX XXXX XXXX and we are a one income salary. We do not need this kind of stress right now. nobody does, but even less. We will sue if we need to and if reasonable resolutions are not made. 

We also will not longer be responding to their phone calls. We expect every further communication in written and will not make any additional payment other than what wec currently pay until this is resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXXand it is affecting me getting credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this because back in XXXX of 2020 I filed disputes with XXXX  Experian and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.
Product: Credit reporting or other personal consumer reports

I am reaching out regarding the recent investigation findings. I disagree with the conclusions and insist on complete accuracy. I am dissatisfied with the effort made to contact the creditors/agencies responsible for the reported information on my file. Therefore, I am requesting additional details regarding the specific account in question : XXXX XXXX XXXX Balance : {$4600.00}. As previously mentioned, pursuant to the Fair Credit Reporting Act 15 U.S.C. Section 1681i, I am formally requesting a reinvestigation and correction of the account. Please provide me with the names and addresses of the individuals contacted during this process. You have fifteen ( 15 ) days from the date of receipt of this correspondence, as stipulated in 15 U.S.C. Section 1681i ( 5 ) ( A ), to fulfill these obligations unless alternative arrangements are communicated to me. Failure to verify within this timeframe constitutes non-verification, necessitating the prompt correction of the account in accordance with Section 1681i ( a ). As per 15 U.S.C. Section 1681i ( d ) of the Fair Credit Reporting Act, please notify me upon the completion of the update. After resolving this matter, kindly send an updated copy of my credit report to the address provided.
Product: Credit reporting or other personal consumer reports

account in question here is " credit collection service '' I need this account validated pursuant to 1592g - debt validation, who is the flesh and blood human being who validated the debt to begin with? 
further more just with missed payments alone I have clear grounds for a {$24000.00} lawsuit in district court, which I will be pursuing if this fraudulent debt isn't dented form the transunion and experian credit file. the last 24 months of missed payments being reported on these credit files is the proof. creditors if and when they report credit history inaccurately, the reason being is defamation and financial injury, the precedent//case law is US court of appeals XXXX XXXX XXXX XXXX XXXX XXXXXXXX and the fines incurred are the extent of damages incurred by the wronged party as deemed by the courts. which would be roughly as stated above {$24000.00} per credit file which brings me to a total of {$48000.00} for experian and transunion. furthermore the 15 USC 1682e ( b ) - compliance procedures, you guys apparently do what ever you want to do, and dont follow federal law which leads me to 15 U.S. Code 1681n - Civil liability for willful noncompliance. which carries civil liability in excess of {$2000.00} for the violations spoken about hereunder.

lastly pursuant to 15 USC 1692c ( c ) - communication with a debt collector. I never want to hear from your corporation again! unless you can validate the debt I am not speaking about statements either! flesh and blood human being their name and their address!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  XXXX cant provide to my XXXX XXXX  XXXX  daughter PLEASE HELP ME PLEASE
Product: Credit reporting or other personal consumer reports

Transactions are being reported on my consumer report by XXXX XXXX that are excluded by Federal law. The law clearly states its illegal to report transaction history. 

15 USC 1681 a ( d ) [ 2 ] ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; There are several transactions being reported in violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( 1 ), which states that transactions between the consumer and the person/CORPORATION making the report is not included on the consumer reports however they are still being reported by First Premier.

Also, 15 USC 1666b ( a ) a ) TIME TO MAKE PAYMENTS A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

Reporting such information non public personal information on my reports is a violation of the PRIVACT ACT of XXXX ( 5 U.S. Code 552a ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency including but not limited to, his education, ,financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person or to another agency, except pursuant to a written request by, or with the prior written consent of the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

I never gave anyone written consent to provide my non public personal information including but not limited to transaction history, utilization, payment history, credit limit, ect.. to a non affiliated 3rd party. 

The reporting of this information was strictly without my consent and as a violation of my right to privacy that is afforded to me as a federally protected consumer 15 USC 6802 OBLIGATION WITH RESPECT TO DISCLSOURES OF PERSONAL INFORMATION.
Product: Payday loan, title loan, personal loan, or advance loan

I've called submitted and even showed them the reports that I am a victim of Identity theft. I've been dealing with these issues since 2019 and still to no resolve. They just jump from XXXX credit bureau to another with the same bill. They still refuse to recognize my situation, even though the credit bureau took it off. I have no idea of this account.
Product: Debt collection

This company must remove all collections against my credit reports immediately. My dispute is based upon the Federal Trade Commission guidelines pertaining to either debt collections as a third-party, or debt buyers in general. The rules are as follows : XXXX. A debt collector/buyer must be bonded and licensed by the XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX. The debt must be legally collectible within the states jurisdiction where the creditor resides. 
XXXX. Creditor must be given copies of debt collector/buyer license, bonding number with insurance carrier name and address, a copy of any assignment to collect on original creditors behalf, and/or copies on ant ownership transfer with true copy certification. 
XXXX. A debt purchase must have an assignment number and be registered with the XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX. Any debt not within these guidelines must be deleted from a consumers credit report with prejudice. 
XXXX. This company has posted XXXX or more out dated collection against my credit report. It looks like the account was over XXXX XXXX XXXX, and the information was acquired through a debt pooling service. The collections must be deleted permanently!!! 
XXXX. Debt Buyers obtain assignments of uncollected debts in bulk, without individual purchase agreements, which is a violation of requirements with the XXXX, and in most cases can not be valued as true ownership under XXXX. 
XXXX. Accordingly, this debt buyer must prove these requirements or delete any collection on all pertinent credit reports ; i.e. XXXX, XXXX and XXXX XXXX respectively. 

XXXX XXXX DOES NOT OWN THIS DEBT. FRAUD!!!