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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : DEPARTMENT OF EDUCATION/XXXX  XXXX
Product: Mortgage

For the last XXXX months I have tried to contact round point mortgage, to no avail. 
I have contacted the XXXX  and filed a complaint twice in the last couple months, still no contact from roundpoint. 

I'd like to set up biweekly payments and I found a number to contact round point at, XXXX which happens to be a recording requesting your email address. I've left my email address and have still not heard from them. I figured it's just not going to happen as I have not been able to contact this company. 

In the meantime, today, I've received a letter from roundpoint stating " this is my second and final notice that their records show that my homeowner 's ( hazard ) insurance expired, and they do not have evidence that I've obtained new coverage. '' It goes on to say that they plan to buy insurance for my property. The insurance THEY buy will cost an estimated {$2600.00} annually, which may be significantly more expensive than insurance I can buy myself. 
They give a phone number of XXXX, after calling that number its a recording, just like the other XXXXtoll free number above. 
I've never let my insurance expire, and I've only ever received THIS notice, this is my first notice. 

I don't know what else to do? I found a number online last week to supposedly contact the President of roundpoint via email. I did send an email to that email address, addressing the issue I'm having wanting to make biweekly payments and not being able to reach anyone at roundpoint. Never heard a word, however not surprised. 
Now today, I get this letter stating I don't have ( hazard ) insurance. 

I'm at my wits ' end, I don't know what to do next, or how to get someone to help me? 


Thank you!
Product: Credit reporting or other personal consumer reports

Its incredibly concerning to see such an obvious and harmful error on my credit report. The account in question is either not mine or is completely inaccurate, and its unfairly dragging down my credit score.
Product: Debt collection

This company CAPITAL ACCOUNTS have send letters to my house informing that i have to pay a debt that I do not recognize, information as follows : Account NumberXXXX, Account TypeCollection, Responsibility Individual, Date Opened XX/XX/XXXX, StatusCollection account. {$750.00} past due as of XX/XX/XXXX. 

I called them and informed that I have never visited the MD they are saying, I provided my SSN and my Date of Birth and they told me that effectively I'm not the person they are looking for. However they insist on keep the negative record on my credit report. I disputed 3 times this account for the same reason thru XXXX  but they ( the collector ) don't want to remove the collection from my credit ( remains in every single dispute ) which is hurting my credit record. 

I need this company remove this collection from my record since I'm not the debtor neither my SSN nor my DOB coincide with the real debtor.
Product: Credit reporting or other personal consumer reports

Good afternoon, In XXXX and XXXX we called XXXX directly and made payments over the phone for the balance due. At that time we were told all balances were paid in full by the representative. XXXX then reported to the credit agencies that we were late. We called and made all payments with them directly and were not told of any further due balances. We have tried to resolve the error in reporting with XXXX directly and then refuse to fix the issue. We called again and paid another month 's balance and were not told of an additional balance being due. They then applied our payment to a previous month. On our end we believed everything was paid or we would've made a second payment. We were not told. They sent no communications or via email or phone call letting us know we were behind. We greatly appreciate any help in resolve this issue and fixing our credit report. We were previously at a score of over XXXX and have since been reduced to a score of below XXXX because, of this misreporting. We need this fix as soon as possible to move forward with our business needs. Thank you. 

Best regards, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX
Product: Credit card or prepaid card

This issue is with Paypal Credit ( SYNCB/PPC ). I had handed this and other accounts over to XXXX XXXX XXXX to handle all payments. Once included in the plan, all accounts were closed, only payments on these accounts were allowed. 

After a few months I was denied access to the online portal and could not monitor the balance. However, I was informed on a monthly basis by XXXX XXXX XXXX of the diminishing balance. It was all good. 

The real issue is with the final payment on THIS account. The final payment made was {$10.00}?? instead of {$15.00}?? which was the account balance, a difference of {$5.00}.??. 

As I said before, I had no access to the account and therefore had no idea that {$5.00}?? was owing. I was NOT informed about this. As a result, the account became delinquent ( for {$5.00}?? ) and was reported. My credit score went down XXXX points and the negativity drags on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should have 0 late payments on first premier. 1 is showing from XXXX, but the reason I'm writing is for the XXXX issue for XXXX. I was in the hospital and submitted a claim. I made payments on my account for month of XXXX. For some reason the credit bureaus have not properly updated. I have attached my payments for this account. I was never late. XXXX. 

Also opened a dispute with experian and they investigate in same day and closed investigation? That is not accurate timing of a 30 day. I attached a screenshot as evidence to show this investigation was not done properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has I have not received a response yet. I feel like Im being taken advantage of and being ignored concerning my disputes. Section611 ( a ), clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has surpassed that time frame at this point so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and emotional trauma caused to me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person, as I have received notifications from my credit monitoring service that my personal information has been found on the dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Mi, XXXX Dear all, believe your company has violated several of my consumer rights. Specifically you : - Failed to validate a debt at my requestFDCPA violation -Continued to report a disputed debt to the CRAFCRA violation Not only have you ignored my prior requests for validation of debt ( proof enclosed- receipt copies or letter copies ), but you continue to report this debt to the credit bureaus, causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : Validation of Debt Request - Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest, and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak, but failed to do so. Therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. 
I expect to receive proof requested above, within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as indicated under both the FDCPA and the FCRA. I may seek damages from you if warranted. 


The Debts involved are as follows : XXXX XXXX {$1600.00} XXXX XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 3rd time reaching out I am Requesting these accounts to be removed from my report these accounts were opened by someone who had my information. I am a single mom and I want my report to be correct, and I do not give permission for these accounts to be on my credit report. Please Delete. 

In accordance with the Fair Credit Reporting act XXXX  Accounts : 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 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 an account without my written instructions
Product: Debt collection

MIDWEST SERVICE BUREAU, INC CALLED MY PHONE NUMBER XXXX. MY NUMBER IS LISTED ON THE XXXX REGISTRY. THEY ASKED FOR XXXX AND I TOLD THEM THIS IS MY PHONE NUMBER WHICH I HAVE HAD FOR SEVERAL YEARS NOW AND I DO NOT KNOW A XXXX. I ASKED SEVERAL TIMES FOR THE COMPANY NAME BUT THE EMPLOYEE XXXX REFUSED TO GIVE ME THE COMPANY NAME, TOLD ME IT WAS A WRONG NUMBER DIALED AND HUNG UP ON ME AS I WAS TALKING ( ASKING FOR THE COMPANY NAME AGAIN ). I HAVE BEEN RECEIVING CALLS FOR YEARS NOW ON THIS PHONE PERSONS CALLING FOR XXXX, I DO NOT KNOW HER AND I HAVE ALWAYS TOLD THEM MY NAME AND THAT THIS PHONE NUMBER BELONGS TO ME. MIDWEST SHOULD HAVE SEEN ON THEIR NOTES IN THE FILE THAT THIS PHONE NUMBER DOES NOT BELONG TO XXXX ANYMORE AND A SKIP TRACING WOULD HAVE SHOWN THAT THE NUMBER HAS CHANGED HANDS, BEEN RECYCLED AND IT NOW BELONGS TO SOMEONE ELSE, ME XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted a dispute with the reporting agencies 2 months ago and never received the investigation results from them. There is an unverifiable account being reported and it is hurting my credit rating, credit standing and credit capacity
Product: Credit reporting or other personal consumer reports

My Credit Was Damaged During the Data Breach With Credit Reporting Companies With Trans Union XXXX
Product: Money transfer, virtual currency, or money service

I went to Bank of America recently to cash a measly check for {$95.00} with Bank of America listed as the bank. 

I can not believe they had the audacity to charge me an {$8.00} fee for not having an account even though the check was drawn to be cashed at their bank. 

They charged me an {$8.00} fee leaving me with {$87.00} out of the {$95.00} check. I was shocked when I mentioned this to the bank teller and she told me that this was their policy. I was in utter shock and disbelief. This can not even be legal and then she tried to get me to open a bank account with them as well. 

I will not be doing business with Bank of America because how can you have a policy in place to charge individuals a check cashing fee for a check that can legally be cashed at your bank? I will be filing as many complaints regarding this matter as I possibly can. 

People are struggling and this makes no sense to me whatsoever. I went to the Bank of America located at XXXX XXXX XXXX in XXXX, VA I can not believe that this is what is going on and that they charged me an {$8.00} fee this is beyond egregious, to say the least, and unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX MD XXXX I have disputed these fraudulent accounts twice, and I am unsure how you are able to say that these alleged accounts are verified, yet it is clear that there are and continue to be multiple inaccuracies regarding these accounts. As shown in the attached screenshots the date opened, date last active, and date of last payment are all inconsistent. Also, the account numbers and payment history of the accounts are not consistent as well. I am not sure which bureau is reporting the correct information as these alleged accounts are not only inaccurate, but not mine. As a consumer, I am asking you to please provide in FULL DETAIL the steps that were taken to investigate these fraudulent accounts and the information that the creditors have provided to you to prove that these alleged accounts are verified. I have attached a copy of my license and a copy of the 15 USC 1681i from the FCRA for your recollection which shows that I, the consumer, has the right to ask for this information, and your company has 15 days to respond to my request. If you are unable to provide me with the proper documentation I ask that you please delete these accounts as soon as possible. As it is against the law for there to be both fraudulent and inaccurate information on my consumer report. Please also send me an updated credit report reflecting these changes. 
XXXX XXXX ( Original Creditor ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX List Inquiries XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXXXXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXX Inquiry : XXXX. XXXX, 2020 XXXX XXXX XXXX Inquiry : XXXX XXXX, 2020 I trust that your company upholds its integrity and protects my rights as a consumer under the FCRA. Thank you.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Eastern Account Systems Account number : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Your NAME : XXXX XXXX Your address:XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XXXX 

Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.4. Proof that the original creditor securitized the debt.5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors
Product: Credit reporting, credit repair services, or other personal consumer reports

This company posted a hard inquiry that doesnt belong to me. I didnt inquire.
Product: Checking or savings account

On XX/XX/XXXX through my online banking portal, I requested that {$5000.00} be transferred on XX/XX/XXXX from my Barclays Savings account to my XXXX  Checking account. I received an email confirmation of this request ( attached below ) and on XX/XX/XXXX, {$5000.00} was debited from my Barclays savings account. However, it was never credited to my XXXX checking account. Instead on XX/XX/XXXX Barclays initiated a transfer FROM my XXXX checking account of {$5000.00}. I was out of the country without access to the internet until XX/XX/XXXX. Upon my return, I discovered the problem. I contacted Barclays bank on XX/XX/1919 and XXXX and was told each time that they made an " urgent '' request to research what happened. Barclays has removed a total of {$10000.00} from two of my bank accounts and they don't appear to know what happened to the money. I still don't have access to that money and it has been 12 days since the first debit from my account occurred. I have made 7 calls to the customer service line and they have refused to allow me to speak to a manager. I have been told three days in a row that someone would call me and they have not.
Product: Prepaid card

Attempted to use a prepaid card purchased by my job. Card is not accepted anywhere, like XXXX, XXXX XXXX, XXXX, XXXX, and at least 3 other online shops I have tried. Authorization charges come through, but never the full amount. Amex customer service says things like " It's a temporary issue '' or " Those locations are fraudulent stores, and this is done for security, '' but provide no other solutions. The card simply does not work anywhere online.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the major credit bureaus XXXX, XXXX, and Experian yesterday. Experian helped a little but not fully. I was hung up on by XXXX and XXXX while requesting correction on my credit report. I have mailed 2 certified letters on XX/XX/XXXX and XX/XX/XXXX requesting the same corrections. I feel like the credit bureaus are playing with consumers and flat out laugh about how many times they can violate us and the law. I know that I must give the bureaus my written permission to even provide any information on my credit report and it must be signed by me. That is listed directly under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. I do not and have not given them my consent and require the removal of all incorrect and false information I advise in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. The particular account COMENITY BANK/ANNTYL that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Credit reporting or other personal consumer reports

My recent review of my credit report revealed billing errors, specifically late payments, which are not consistent with my history. Please update my account to reflect accurate information.
Product: Credit card

Subject : Request for 1099-C Form Account Charged Off To Whom It May Concern, I am writing regarding an account that appears on my credit report under your companys name and is marked as a charge off. This indicates that you reported this balance to the IRS as income due to cancellation of debt. Pursuant to this status, I am formally requesting a copy of IRS Form 1099-C ( Cancellation of Debt ) for my records.

On my credit report, it is indicated that this account has been charged off, suggesting that the debt has been canceled and reported as such to the IRS. If this is correct, a Form 1099-C should have been filed and provided to both me and the IRS as required by law. Please provide me with a copy of this 1099-C form, as this is necessary for my tax records.

If you do not provide this form or can not substantiate that this account was properly reported to the IRS, I will consider taking legal action for statutory damages and potential fraud. Failure to provide accurate documentation may be a violation of both federal tax law and credit reporting standards.

Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation within 15 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that XXXX XXXX XXXX have placed an inquiry on my TRANSUNION credit file dated XX/XX/2021 and XX/XX/2021. On multiple occasions I request XXXX  XXXX XXXX and TRANSUNION to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX C/O XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX & XXXX XXXX XXXX XXXX Inquired XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Prepaid card

I was gifted an American Express Gift Card by an employer that was purchased at XXXX. I am unable to use the card at ANY physical or online location, including the same XXXX that the card was purchased from. Other employees that received the same card have successfully been able to use it at the same locations that I've tried. I've contacted Amex customer support 5 separate times. They say that the card is working and active. They mention that I must use it at a location where it's accepted. They will not fix or refund my card.