23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Dear CFPB, Hello! I hope you & your family are well. I need to file a complaint against XXXX. A while back, I purchased items from XXXX. Ive tried countless times to contact them. I never received any responses to my emails or physical letters I sent them through our US postal services.

I have printed out the order numbers, item numbers, dates, prices, & descriptions of items. I havent been able to get anything resolved & settled. There were items that I never received, wrong items, & damaged items in some of my packages. I followed their return policy process & protocol, but never received my refunds. 

Also, Ive been hacked ( 3 ) times. I was forced to cancel & void out ( 3 ) separate debit cards. Ive let XXXX know Ive had to cancel & void out ( 3 ) separate debit cards. There is no way the refunds could be put back on those debit cards as the payment methods because they no longer exist. I just want to get my refunds I shouldve received at that time.

My request is for them to send a check in my name with the amount of my refunds added together & sent to me through our US postal services. Id like each item listed with the refund amount next to it. I used to buy from them on a regular basis, but I havent purchased anything since this last time Ive tried to resolve & settle things with them. 

I look forward to hearing from you very soon. I appreciate your time & attention to this matter. 

Respectfully Yours Order Date : XX/XX/XXXX Order # ( XXXX ) Shipment ID : ( XXXX ) These are the dates of the physical letters I sent out to them ... just let me know if youd like me to forward them to you ... 

XXXX & KlarnaLetter of Complaints XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a late payment notice on a Target Credit Card. I immediately paid the balance that was due when notified. I spoke with the company directly and they said that they remove the late payment from my credit report and the late payments are still showing on my credit profile and they are hindering my home buying process in a very negative way. I have reached out to the bureaus directly and haven't received a response ( its been over 60 days ).
Product: Credit reporting or other personal consumer reports

Ive noticed unauthorized charges on my credit Report as I am a victim of fraud so someone had to apply for something in my name. I sent several dispute letters to XXXX, XXXX and TransUnion asking to have these inaccuracies removed. This has been a long process and I want them removed. All three companies continue to report these inaccuracies on my credit report and its hurting any chances of business opportunities. 
XXXX : Report Number XXXX And Ive uploaded photos from XXXX and Trans Union to show that these changes have not been made. They remain there on my credit report after numerous attempts and letters sent out asking for removal of these fraud charges
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recently looked at my credit reports and I noticed that you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED, I have listed the account name and the account number below along with the date you are reporting late, and those dates need to be changed to PAID AS AGREED. 
This account has been on auto pay since it was opened so it is impossible that this payment was late. I have NEVER been late for this account! 

Your company may be liable under the FCRA, violating 15 USC 1681n and 15 USC 1681o for non-compliance.

Only accurate information is to be included on Comsumer reports as the banking system itself depends on it. Please update this account to paid in full immediately. 

XXXX XXXX XXXX XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT Accurate. 

Thanks for your help, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I tried to write letter to Experian of the fraudulent account thats are showing on my credit report I file a ftc report of those accounts that I upload
Product: Credit reporting or other personal consumer reports

In accordance with the fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not fumish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$6300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$6300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts : XXXX  XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Please remove ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian to notify them that Bankruptcy XXXX needs to be investigated for verification because it should not be reporting on my credit report. Experian responded to my request for verification with a response that the account was " Verified '' sighting the source as XXXX XXXX. I contacted XXXX XXXX regarding the bankruptcy & XXXX XXXX sent me back a letter stating that they could not Verify the Bankruptcy XXXX ( see attachments ). Sent a letter back to Experian and requested a deletion & proof that they had did a " reasonable investigation to ensure the maximum possibility of reporting ''. Experian is willfully reporting erroneous, damaging, and unverified information on my Experian report. They are in direct violation of my consumer rights and of FCRA 15 U.S.C 1681 ( a ). and is causing great harm to my ability to obtain financing and/or credit in a time where it is needed during this pandemic crisis.

15 U.S.C. 1681i ( a ) ; Johnson v. MBNA Am. Bank, 357 F.3d 426, 430 ( 4th Cir. 2004 ) ; Fed. Trade Commn v.Gill. 265 F.3d 944, 1035 ( 9th Cir. 2001 ) ( If an item is found to be inaccurate or unverifiable, the CRA must delete the information from the credit report.
Product: Debt collection

Exeter Finance sent a debt collector to my place of work and spoke with my supervisor in an attempt to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX equifax and XXXX are COMMITTING ILLEGAL ACTIVITY AND DENYING ME AN INVESTIGATION FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX and XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNTS AND INACCURATE, FRAUDULANT DATES WHICH UNDER SECTION 609 OF FCRA, XXXX EQUIFAX AND XXXX must REMOVE THIS FRAUDULANT ILLEGAL INFORMATION IMMEDIATELY. I DONT OWE THESE COMPANIES ANY MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. XXXX XXXX AND EQUIFAX did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. IM NOT CALLING YOU ON THE DAMN PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT AND HAVE THESE FRAUDULANT ILLEGAL ITEMS REMOVED FROM MY CREDIT REPORT.!!. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! XXXX EQUIFAX AND XXXX despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE XXXX EQUIFAX AND XXXX, THEIR PRESIDENTS AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. XXXX EQUIFAX AND XXXX ARE NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX OR XXXX XXXX ANY MONEY! REMOVE XXXX XXXX AND XXXX XXXX FROM MY REPORTS IMMEDIATELY!! IN ADDITION, XXXX EQUIFAX AND XXXX ARE RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to TransUnion and XXXX  about several inquiries that were not initiated by me. I ask for verification and validation of the information. I had an existing fraud alert on my credit report but still ended up with inquiries.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ; Inquiries : XXXX XXXX Inquiry Date XX/XX/2023, XXXX  XXXX  Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXX XXXX  XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

A person called me from XXXX XXXX XXXX XXXX last week and I informed representative to remove my number and do not contact me again. The past week I received 2 calls which I did not answer. Then today I have received a collection letter in the mail from this company. At this point, this collection agency is in violation of the FCPA. One I want this company to stop all communication and second be held liable for there actions and tactics. I do not owe this bill I have returned the product account number XXXX
Product: Debt collection

I was in the process of disputing a debt with a debt collector AFINI. AFNI XXXX XXXX XXXX XXXX, IL XXXX RE : XXXX / {$170.00} - I sent them a request via certified mail on XX/XX/XXXX to validate the debt. - They were unable to provide any documentation or proof that the debt was indeed mine. - I followed up via mail again with " failure to respond '' and received no response from them. - I sent them one more letter via certified email on XX/XX/XXXX as they were not following the stipulations of the law and requested they remove this debt. It is not mine and they are unable to provide me with any documentation or proof to show otherwise. During this dispute process I can only assume that AFINI ( unable to provide proof of the debt ) sold it to a new debt company to cut their losses. This new company ( XXXX XXXX XXXX, XXXX ) has now started to reach out to me. This is unprofessional and an inconvenience to me. While working on trying to resolve this with AFINI they have inconvenienced me even further. Instead of doing their due diligence they just passed it on to someone new. I will now have to start the dispute process all over again with this new company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute regarding the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't thoroughly vet their security software of their forward facing or back-end systems and in the process leaked over 100 Million peoples PID to criminals that could use that to exploit people and ruin their lives. They waited 3 months to say anything about it and were as crass as to hide an arbitration clause in the terms of there free " help '' when it was their fault it happened in the first place. Not to mention the fact that the three top people that would have known about the breach as soon as it was detected decided to whimsically dump some of their stock in the company.
Product: Student loan

Mohela is my federal loan servicer. I called them to refund payments made after XX/XX/2020. They send in my request and told me to wait XXXX days to process. XXXX weeks ago, the XXXX  days has finished and I'm still waiting. Nothing on my account has changed. It's been over XXXX weeks without any information. I tried calling but no help was given. They tell me to try calling again the following week.
Product: Credit reporting or other personal consumer reports

I feel that I was negatively impacted, hurting my chances at credit after receiving a response to my earlier dispute that the accounts were verified.Please provide proper and true proof or deletethese accounts. Thank you.
Product: Credit reporting or other personal consumer reports

I was trying to get a mortgage loan when I was told my credit score was low due to delinquent accounts. When I saw my credit report I noticed unauthorized credit card accounts that were opened around XXXX XXXX XXXX. My information was breached with Equifax and another company last year.
Product: Checking or savings account

In XX/XX/XXXX I fell on difficult times financially with my employment and my XXXX XXXX XXXX   was overdrawn. XXXX reported me to Early Warning Services , LLC ( EWS ) for mishandling the checking account. Since I was succumbed with debt, I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This bankruptcy was discharged on XX/XX/XXXX. XXXX and EWS were both notified. The account was XXXX out on XX/XX/XXXX as a result of my initial dispute with both companies. However, EWS is still reporting negatively. This is hindering me from opening an account so I disputed once again advising that the debt was discharged by the US Bankruptcy Court and should be removed in XX/XX/XXXX. I was informed that the report is accurate and would remain on file for seven years. I disputed again in XX/XX/XXXX with same outcome. This company is not cooperative and providing inaccurate information about myself.
Product: Mortgage

My loan is with Loan Depot.XXXX weeks ago I spoke with representative XXXX XXXX and I thought that this was all taken care of. I made XXXX payments of XXXX on XX/XX/21 because the payment ( XXXX ) couldn't be found as they errored somehow. The account # XXXX which appears on my billing and the phone contact number XXXX sends me to XXXXLoan Depot should have corrected these errors. To make matters worse I am being billed XXXX which includes XXXX which after talking with Representative XXXX XXXX should not be appearing on my account as I never paid late.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Went to car dealerships to purchase a vehicle but was denied by all three dealers. and all three pulled hard inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This company sent a letter on XX/XX/2018, and when I contacted them regarding the letter, I asked for them to validate the information, the debt, the amount, and that it was mine. They were not able to do so and I was told to contact the creditor. The letter stated that if I dispute the validity of the debt that I have 30 days to do so. 

On XX/XX/2018, I received an alert from the credit bureau stating that Diversified Consultants was placed on my credit report. To my surprise no validation of this account was given and I'm still disputing the validity. Per Fair Credit Act I am allowed to validate an account that appears not to be mine and I have 30 days to do so. 

I believe this account is not to be mine, and I need for them to validate it's mine. 

I don't know what is up with collection agencies not validating who they are but asking for money. There should be some legal process to protect us from scams like this.
Product: Debt collection

Commercial Acceptance Co still has a debt balance of {$180.00} listed as an open account on my credit report, as of XX/XX/XXXX. The debt was paid in full XX/XX/XXXX.