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

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts.
Product: Debt collection

I have been contacted by XXXX XXXX for a debt I owe to Synchrony Bank. On XXXX XXXX, 2016 they contacted me six times from a different number each time. I will list the numbers below and the times that they called. At XXXX I was able to take the call and spoke with a representative. I asked her if they have mailed a letter for debt verification. She stated that they e-mailed me, I advised that I have never received an e-mail in my inbox nor my junk mail. I advised her that they are supposed to mail a letter and they are not supposed to be contacting me on my cell phone but my home phone. Also, I advised that calling me more than twice a day is harassment. I advised them to stop contacting me. The representative was very rude and hateful also. 
The numbers that they have called me fron is XXXX at XXXX *********** at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX XXXX at XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have had my house since XXXX and my first payment was due XX/XX/XXXX, I paid that and it went through fine, then my mortgage company switched lenders and every month since then I have not been able to make a payment! They have taken it out of my account multiple times a month and still say Im missing payments, Ive had the available funds each time Ive told them to take it out of my account and now they are trying to make me pay 3 monthly payments in one day! Ive asked to speak to a bank manager and they wont call me back, Ive emailed them with bank statements proving I have the funds and their taking out and its not a issue on my end and they wont email me back, Ive called multiple times explaining that they need to work this out and they threaten foreclosure on us if we dont make 3 payments in one day! All I want it to be able to make my monthly payments! My credit score has been affected tremendously because of this lending company and its causing my husband and I a extreme amount of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had incorrect information removed from all three of my credit reports in XXXX of this year. XXXX, XXXX, and Transunion all removed a debt that was NOT mine from my reports. XXXX XXXX XXXX was reporting a debt from XXXX that was NOT mine. I have NEVER lived in a XXXX area and I've never had their services. Some woman with my name lives in XXXX ( a XXXX area ), and I assume it is hers ... as XXXX falsely has the XXXX  address as one of my former addresses ( added this month -- even though I have lived in my house for 5 years ). Now, the debt was sold to XXXX XXXX XXXX and it has landed BACK on all three of MY credit reports. XXXX   never lets me into my online account -- EVER. So, I can not dispute online. I filed another dispute with XXXX  today. Transunion 's site is down. I can not fight this every time it is sold. XXXX XXXX was told they couldn't collect ( as it ISN'T MINE ), so they SOLD it to XXXX and they've added it FALSELY to ALL of my reports again -- just 4 months after I had this resolved. I have NEVER had an account in collections -- EVER and it is ruining my credit score. Some woman in XXXX didn't pay her cable bill and I'm being punished for it. I want this debt removed for good from ALL three repositories.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 XX/XX/year>, XX/XX/year> and XX/XX/year> 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. 

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 card

I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charge that I wish to dispute on my Citibank card is {$500.00} charge from a company called XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has no legal, binding contract and has been reporting erroneous information to the credit bureaus illegally. I have been requesting that this company send me evidence that they can legally report this information to the credit bureaus since the beginning of this year. I have given them chance after chance to correct their information and present me with the correct evidence. They have removed the report from one of the credit bureaus but not the others. I have requested validation and not verification for the multiple accounts they have listed sent directly to their company in XX/XX/2020 and still no response. This leads me to believe they have no binding contract and are reporting this information illegally.
Product: Debt collection

I received a notice from a debt collector and call them about this notice, The collector is Diversified Consultants, Inc. the debt is for {$100.00} from XXXX XXXX XXXX Wireless - when I call them I told them I do not owe anything to XXXX XXXX XXXX it was paid on XX/XX/18 I told them I will call XXXX XXXX XXXX, I had to call them again when I notice they put this on my credit report and told them I was paid and I call XXXX XXXX XXXX and verified it - first I one person hung up on me when I call back the next person would make a note, but I need this off my credit report
Product: Credit card

I was charged for {$99.00} annual membership fee on XX/XX/year> for Barclays jetBlue card. I chose to close the account and called them on XX/XX/year>. The customer service person offered me to waive a membership fee and asked me if I would keep the account open. I agreed to keep my account open if they waive the fee. On XX/XX/year>, I received a statement indicating that my account has passed payment due date due to the {$99.00} fee. I called them again on XX/XX/year> and complained about what happened. A customer service person apologized and promised me to give {$99.00} statement credits within 24-48 hours. She also advised me that I should mail a letter to FCRA credit bureau for disputing the charge and that it will clear the record for late payments. I sent the letter as instructed and expected to see the statement credit within 48 hours. The statement credit didn't come in, so I called again on XX/XX/year>. This time, they insist the annual membership fee they were waiving is for next year and the {$99.00} already charged wouldn't be waived. For the statement credit they promised on XX/XX/year>, they insist that they don't have the recording and refuse to give. Due to the misinformation and lie, my account has been overdue and it is going to affect my credit. They say if I close my account, the {$99.00} fee will be cleared in 1-2 pay cycle. However, until then, my payment will remain overdue unless I make minimum payments. They are basically forcing me to pay for something that I don't want to buy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three missed payments on my XXXX  XXXX credit card XXXX that are seven years old and need to be deleted from my XXXX credit report I have asked for these items to be deleted, but they are not. 

The three missed payments. Are the dates following. XX/XX/XXXX, XX/XX/XXXX in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  had 3 different accounts under my name at 3 different addresses which i never opened. they have sold the debt to AFNI XXXX and keeps appearing on my Credit report.
Product: Debt collection

I recieved a notice from Patenaude & Felix , A.P.C. stating I have a outstanding balance with XXXX XXXX XXXX in the amount of XXXX dated on XX/XX/2024. I am unaware of this account. If in fact this company claim I have an account with them please provide a copy of a wet ink signed contract with both wet ink signatures binding any such agreement for my review. If your company fails to provide this copy in 15 days. Further attempts to collect on this alleged debt must cease.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Balance : {$360.00} XXXX XXXXXXXX XXXX Balance : {$360.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message find you well. I am submitting this compliant for the 4th time to follow up for the remaining items on my report which are unauthorized and were resulted from identity theft. Once more I am asking for your help to remove these remaining items found on my report. Per FCRA section 605b, the credit bureaus are required to remove any items listed on an identity theft report. Once again, please find the required documents to assist in the removing of the erroneous information which is being posted on my report : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$870.00} XXXX XXXX XXXX  XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} XXXX : XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$410.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX Balance Owed : {$15000.00} TRANSUNION  : XXXX XXXX XXXX Balance Owed XXXX {$870.00} XXXX XXXX  XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to file a formal complaint against Portfolio Recovery Associates regarding an ongoing issue. Despite multiple attempts to obtain information about a debt their organization claims I owe, they have failed to provide the requested documentation necessary to validate the debt. 

On XX/XX/year>2024, I mailed a certified letter requesting validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I asked for the following information : What the alleged debt is for. 
A detailed list of the payment history for the account. 
Copies of documents showing I agreed to this debt. 
The original signature on the contract for this creditor. 
Verification or copies of any applicable judgments.

Identification of the original creditor. 
Proof that the Statute of Limitations has not expired on this account.

Information on whether an insurance claim has been filed on this account. 
The chain of title for this account. 
Proof of Portfolio Recovery 's licensing to collect in my state, including license numbers and their Registered Agent. 
As of XX/XX/year>2024, I have not received any of the requested documentation. Despite this failure, their organization continues to report this alleged debt negatively on my credit report. Additionally, a judgment has been placed on my credit report without my knowledge, and I was not properly notified of any such legal action.
Product: Checking or savings account

My name is XXXX XXXX I am the main cardholder of an account with Huntington Bank.

Im writing this hoping I will get the problem resolved because for as long as I can remember I have only been with Huntington as a supported customer, Huntington has exceeded my expectations and fulfilling my banking needs on many occasions which is I have my put my trust into banking with Huntington to be handling my money.

I have disputed a charge that I have authorized at the time for my phone to be repaired due to water damage but I promised to only pay the amount for the technician to fix the phone if the phone work properly and agreed to use XXXX manufacture parts to fix the phone like new not after market products, which was agreed from both ends at the scene, when I came back later the day to pick up the phone i have paid thinking it was fixed since it was working at the time but after I got home it started having problems shutting off every XXXX minutes and the phone gets really hot and I have noticed the technician has dishonored his words and used after market parts to fix the phone which gave the phone battery problems now my phone has not been working properly, have called and asked merchant for a refund but I was refused for a a refund, which I have contacted my bank institutions for a dispute on the charge for not providing the service that was promised
Product: Credit reporting or other personal consumer reports

I sent a request for " Please provide proof that this account belongs to me to properly verify debt, a breakdown or itemization of charges does not prove that this is my debt. '' on XXXX. I have not received proof that this debt belongs to me I have disputed it via Experianon this date and have only received generic messages that the information is verified without the proof I requested. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Debt from XX/XX/XXXX-XX/XX/XXXX Back then I wasn't to aware of how credit worked, nor did I receive counsel. Not only that but the information given on my report is incorrect and it took many attempts to reach these people to have them update the information. Even now when an account was charged off and XXXX XXXX these 3rd party companies still are on my report trying to get money from me. I asked for original signed Contract documents and they send me bills instead. Then tell the credit companies everything is accurate when it is not. I'm asking to at least pardon these charges and wipe them off my report so I have a chance to start a new. The companies are XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX  which I actually found out wasn't suppose to offer me a credit card in the first place due to my living in XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : THE BUREAUS ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX XXXX # XXXX date open XX/XX/XXXX XXXX XXXX # XXXX date open XXXX XXXX, XXXX XXXX  file number XXXX experian Report Number XXXX XXXX  lock me out from seeing my report please help me get my life back! 
i called these companies and give them my personal information and the could not find me in the system. i do not understand how i can not address the fraud with them! please assist me on communicating with these creditors to validate that this is identity theft My personal information was exposed in XXXX   Breach of XXXX i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also file a with the FTC XXXX i'm not able to find a job because of this i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.
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 XXXX XXXX XXXX XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit file, i noticed there's monetary violations that aren't upkeeping my consumer credit file intact. I as the consumer have noticed there's fraudulent accounts on my report, we report it and it returns via different companies to extort my consumer credit file. The main 3 CRA 's aren't keeping my data safe and thery 're intentionally not following the FCRA 605B policy. I never initiated these activities and they're not verified by anything other than the company saying that it's verified. so since that's the case. A check of {$2000.00} is due for placing these fraudulent items on my consumer credit file : XXXX XXXX XXXX  [ {$16000.00} ] XXXX ; XXXX  [ {$9300.00} ] UNKNOWN ACCOUNT NUMBER. AS THE CONSUMER, I'VE PROVIDED MY CORRECT INFO AND NOTICED THERE'S INACCURATE DATA THAT NEEDS TO BE REMOVED. THIS IS THE 3RD TIME THIS FRAUDULENT REPORT KEEPS APPEARING ON MY CONSUMER FILE, SO SOMEONE ISN'T DOING THEIR JOB AND IT'S IMPOSING A VIOLATION UPON ME. I'M NOT SENDING IN ANYTHING WITH THE MAIN 3 CRA 'S AS THEIR INVESTIGATION SYSTEM IS A FRAUD