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

Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation. and ( modify or delete ) the disputed information as I requested before the end of 30-day period on the date on which you received my dispute complaint. ( XXXX XXXX XXXX  ). Instead of sending me a response letter with my results of your investigation of the disputed information you closed out my complaint still with no resolution. 

XXXX {$0.00} ( NOT MINES, NEVER APPLIED FOR THIS ) SECURITY CREDIT SERVICES {$550.00} ( past due dates don't match, term dates, opened dates ). No contract provided in written with my wet sign signature. 

XXXX XXXX Account over 8 years and showing past due on a repossession, balances don't match and payment history. No written contract provided with my wet signature. 

Names not corrected. My name is XXXX XXXX XXXX, XXXX XX/XX/XXXX and only address is XXXX XXXX XXXX. I have requested several times to have this updated. Also to remove any old telephone numbers Clearly, you have willfully failed to modify or delete the disputed information as i requested. In lieu of modifying or deleting the disputed information, you willfully failed to conduct a reasonable investigation of my disputes because it meets FRCA guidelines. 
However, your excuse or assumption is not a valid reason under the FRCA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irritant. Nor have you sent me a notice of such determination that complies with the FRCA. Furthermore, I directly disputed the completeness and /or accuracy of information contained in my consume file as per the FRCA. Your failure to reinvestigate is an intentional and /or negligent FRCA violation. 

As a result of you conduct as described above, you shall promptly ( modify or delete ) the disputed information. Additionally, as per the FRCA, you are liable to me for damages for you conduct. Thus, in addition to you ( modification or deletion ) of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. According to 15USC 1681N 9 ( A ) ( 1 ) any actual damages sustained by the consumers a result of the failure or damages of not less than {$1000.00} per violation. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 

Within ( 14 days ) days. ( 1 ) ( modify or delete ) the disputed information requested, ( 2 ) send an updated copy of my consumer file, and ( 3 ) send me the {$1000.00} check to my mailing address above. 

Sincerly, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I was on Medicare at one time and this medical bill was paid through medicare. I had to pay the XXXX {$170.00} out of pocket deductible which I did. Now I have XXXX medical bills that are in collection. Medicare confirmed they paid these bills in full. The other question is how can an attorney sue me for medical bills for XXXX different doctors? Is n't that double dipping? I do not owe these XXXX medical bills and want them removed out of collection on my credit reports as it is causing my credit to be affected negatively.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to adequate customer servick and Ufair or ides, Ich violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not XXXX comply with error resolution requirements '' ) under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My information Was in a data breach please remove all information please
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6800.00} XXXX XXXX XXXX creditor : XXXX XXXX XXXX  XXXX Balance : {$4300.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX XXXX {$5400.00}
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. 

Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

In violation of FCRA Rights inaccurate information is being withheld and/or reported to banks and credit card companies it has literally caused me hardship I submitted documents from XXXX and XXXX being denied due to bureaus reporting inaccurate information to banks and credit card companies it was reported from the credit bureaus I had hard inquiries on my credit report and also that my credit score was XXXX when in fact my credit score was XXXX which caused for the denial of the application an agent from XXXX and XXXX actually documented that the credit bureaus in fact reported to XXXX and XXXX bank that their was hard inquiries and low credit scores when I spoke with the credit bureaus TransUnion, XXXX, XXXX I was told that it was because the bank was using a different model to check consumer credit reports inaccurate reporting of my name, address, birthdate, address i demand that my credit report be updated with the correct information in bureau is in violation of FCRA regulations
Product: Debt collection

I made a call in XXXX letting WPM know I would need to pause my subscriber privileges and I would continue payment in XXXX. My contract with XXXX XXXX states subscription will be paused due to late or missed payments. Once payments are current subscription services will be reinstated. Per the language of the contract with XXXX it says that if my debt is sold to a collector, they are held to prior existing terms of contract. And also states the account can not be derogatory or late unless the contract has come to completion and all payments are not made. If that happens, then interest of XXXX  cent per day, passed last completed payment, will be charged to the account. I called and told XXXX this and they said i had to have XXXX call them and tell them this. This is in the language of the contract, Ive read it to them, noting which sections it pertains to, and they said the original company needs to tell them that. The original company doesnt take any new contracts anymore and their contact moment forwards you to WESTLAKE portfolio managment. Ive told them this and they told me theres nothing they can do till XXXX contacts them. I made a payment i of {$300.00} in XXXX, they changed my account to charged off/collections immediately after the payment and now wont allow me into my account to make payments. Ive been trying for 3 weeks and sent emails. 
My credit score dropped XXXX points and i took all the measures to ensure this didnt happen, but wpm representatives consistently hang up when they say they will transfer you, or tell me theres nothing that can be done whenever I am able to get them on the phone. 
They keep saying XXXX has made these changes, but XXXX XXXX is the company I made the loan with. XXXX is the company that makes the braces. XXXX XXXX  and XXXX are two completely different entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my credit report and realized an account that is reporting incorrectly. This account was paid in full and on time in XXXX XXXXHere 's a copy of my bank statement where the account was paid in full and should be IMMEDIATLY removed from my report. 

XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX  THIS ACCOUNT IS PAID IN FULL AND ON TIME.
Product: Credit card

XXXX and XXXX {$12000.00} dispute unauthorized transaction and wrong address
Product: Credit reporting or other personal consumer reports

I asked for several items to be sent in reference to the forms of verification of the file among other things. Responding as VERIFIED is not a response to the issues I outlined and asked for in the complaint. Among other things, they failed to respond in the required time. Please fully address all the items I requested immediately. Thank you.
Product: Mortgage

Our mortgage has been with Roundpoint Mortgage for several years and we have never missed a payment. I get repeated calls from them as " payment reminders '' even though the payment is not late. Today ( XX/XX/2016 ) I received 2 calls from Roundpoint Mortgage ( XXXX ) within 30 minutes. I have our bank account set to automatically pay the amount due prior to the due date every month. As I said, we have never missed a payment or been charged a late fee. When I spoke to the second person today she said they would continue to call me until they get the payment, like I 'm a deadbeat or something. It is total harassment.
Product: Money transfer, virtual currency, or money service

XX/XX/scrub>XXXX I sent {$1.00} and {$140.00} in error to the wrong telephone number using XXXX on Golden 1 Credit Unions website. I called Golden 1 twice and spoke with the same representative both times. XXXX helped me discover that I sent money to the wrong number and I requested my money back immediately. He said that it should not be a problem, but I was later denied my money. XXXX also walked me through how to delete the wrong number from my XXXX account log. It was a mistake and I explained that I was sending money to my daughter, XXXX XXXX at XXXX. I sent money in error to XXXX. The is some person that I do not know and do not have any dealings with at all, ever with the name XXXX XXXX XXXX. I sent her a text and called her hoping that she would do the right thing and return my money, but she has refused to answer, and ignored by text. 
I just want my money back. Golden 1 has refused to help and I'm stressed out that the bank that I have save my money and had direct deposits for more than 2 decades is treating me so unfairly. I made a typo and it is costing me {$140.00} and that is just not right and I want my money back. It seems that Golden 1 is helping to facilitate people stealing other people hard earned money without any consequences to the person that did not earn the money at all. This is absolutely horrible that this can happen to me and I have no recourse to get my money back. It's like my bank is punishing me for making a mistake and that is extremely poor business practices and predatory. This is the type of thing that cause people my age not to want to use this newfangled apps that are suppose to make our lives better. Until you make a mistake and learn that your bank will not return your money consumers may want to rethink doing business in this way because we will suffer losses and financial hardship when an error is made and your bank refuse to treat you fairly.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX there are XXXX credit inquiries that I didnt agree to and there are XXXX in one month. I havent done business with XXXX in four years. I havent applied for a loan with XXXX XXXX XXXX since XXXX, I have no idea who trust dealer services XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been a victim of identity theft. Someone used my personal identification to apply for internet service without my permission or knowledge. They attemted to start internet service with XXXX but I shut it down. Now the company has reported me to collections for a service that has never been started. They are trying to charge me {$100.00} for accont that was opened fraudulently. This is not my account!
Product: Mortgage

The bank holding my mortgage sold to Mr. Cooper in XXXX. I received notice and set up the appropriate bill pay with my checking account at XXXX  XXXX. I made my first payment on XX/XX/XXXX for {$2300.00} and then another payment on XX/XX/XXXX of {$2300.00} before discovering that I had input the wrong account number and the payments had not been applied. I reached out to Mr. Cooper on XX/XX/XXXX and opened a case. The case was closed without them notifying me. I found out when I followed up via chat on their website. I could not find a phone number on their website to call in. I initiated several chats in XXXX and XXXX trying to resolve this. I sent bank statements, payment verifications from XXXX  XXXX, including trace numbers, and a notarized affidavit from XXXX  XXXX stating that the payments had been made and received by Mr. Cooper. Mr. Cooper has requested that XXXX XXXX report the payment as lost, but XXXX XXXX says they can not as they show the payment as received. I have submitted XXXX subsequent payments to Mr. Cooper with the correct account number ( all other banking information remained the same ) and all payments have gone through and been applied correctly. My last correspondence with Mr. Cooper has not been responded too, where I stated that XXXX  XXXX would not report the payment as lost. It has affected my escrow for XXXX, thereby increasing my payments for XXXX. It also impacts my XXXX statement from Mr. Cooper for tax purposes. I also would like my payments applied on the dates they submitted to Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been tryiing to obtain a copy of my credit report from TransUnion. I have tried ordering it directly on their site, through the XXXX XXXX XXXX XXXX link, XXXX XXXX everywhere. I have tired several times and I still do not have a nor able to see what is on my TransUnion report.
Product: Debt collection

I XXXX XXXX and my partner XXXX XXXX attended a time share in order to retrieve free gifts promised to us. We were told we would receive 3 days and2 night free stay if used within a year at the Wyndham resorts in XXXX XXXX XXXX. It was my spouse and I anniversary. We declined to purchase any time shares due to refinancing our home and necessary upgrade to our home. We expressed not interested in what they were offering. Declined all offers presented to us. They already had our photo IDs per the sign in process. They did ask for us to fill out a brief questionnaire about our finances and occupation. It did ask for ssn. We provided our information on the sheet but never authorized to be signed up for anything. After declining we were told to go to the website or call to book the room to redeem voucher we received. This company took my information and created what XXXX XXXX  stated to me there was a credit account opened asked did I want a card to be mailed. I wasnt sure what she was talking about. I asked her was this a credit card, loan, credit line. She was not able to see what type of account it was so then I started asking more questions in regards to when it was open and where did they mail correspondence to and realize that the actually mailed correspondence regarding the collection to a wrong address. The address on my photo ID is not my current address. They use that address to send some thing there had I not went to my mothers old home for rental property. I would have never known this account was open it says vacation club credit account she mentioned that it may be a point system, so I tried reaching out to Windham. I was unable to receive any information in regards to this account. It does not specify that we purchased anything at all. I would attach the bill the collection bill that was mailed to the wrong address. I am not at all responsible for days. This is zero liability on my end, because I did not open this account and I would like for this to be removed off my credit. 
I looked up and research on XXXX about timeshares and what they do to people like myself that is unaware about everything and they swindle you and persuade you and make you feel like oh youre gon na get something free, but end up tricking you into something completely different after declining multiple times They should have known I was not interested so now I am very upset and irate. I filed a dispute with XXXX XXXX and they did research, but it came back that I need additional information which I do not have because again we did not sign up for anything. We only retrieve our free gifts for restaurants and the voucher for the free three day two night stay.
Product: Credit reporting or other personal consumer reports

Subject : Identity Theft Dispute FCRA 1681c-2 & 1681s-2 Compliance Failure I am submitting a formal dispute regarding a fraudulent account that has been added to my Equifax credit report due to identity theft. I have never applied for, authorized, or used this account. I have already provided my FTC Identity Theft Report as required under FCRA 1681c-2 and expect immediate corrective action. 

Legal Violations & Demand for Immediate Removal XXXX. Non-Compliance with FCRA 1681c-2 Failure to Block Fraudulent Account Under FCRA 1681c-2, Equifax is legally required to block fraudulent accounts within four business days upon receipt of an identity theft report. The following fraudulent account remains on my credit report despite my documented dispute, which constitutes non-compliance : Fraudulent Account on Equifax [ XXXX. XXXX XXXX XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I reached out to Target corporation asking if a late payment removal could be removed from my credit report and the representative told me there was nothing they could do without even looking into it. I have been a Target RedCard holder since XX/XX/XXXX and I always pay my bill on time because I understand my financial obligations and if it wasnt for me losing my job in XXXX of XXXX I wouldve paid the payment the XX/XX/XXXX, XXXX XX/XX/XXXX statement period. I am now employed again and willing to pay all of my financial obligations. I have made my account current with a payment today and just wish yo have this one time late reporting off my credit profile.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, EQUIFAX, and XXXX on multiple occasions to rectify these illegal transactions on my credit report that i did not authorize nor gave authorization to anyone!! hard inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2023 I applied for and received a balance transfer from one of my credit cards to my Barclay AA Advantage Master Card. Barclay transferred the Balance and charged me a {$450.00} balance transfer fee. A few weeks later, on XX/XX/XXXX, I was charged their {$99.00} annual fee. I have been making regular payments on my card and then I noticed I was getting charged small finance charges every month. When I called Barclay customer support, I was told by a Customer Service Rep XXXX and her Manager, XXXX that these finance charges were being charged because of the balance transfer and annual fee. 

Section 1026.4 ( c ) ( 3 ) states Fees charged for participation in a credit plan are to be excluded from finance charges
Product: Debt collection

I received an alert on XX/XX/2020 on my credit monitoring service from XXXX, that Amsher collection service place an action on my credit reports for an unpaid debt without contacting me and providing notice to potentially pay the debt. I have never received an email, phone call, or written communication from them. As a result this, has negatively affected my credit. I am asking that this be removed from my credit immediately and without hesitation. The last four of my SSN is XXXX.
Product: Credit reporting or other personal consumer reports

Clarity services inc. placed a credit freeze on my account without my knowledge and or consent. The representative was unable to provide information on how my report was frozen. I've tried to reach out to the company on 2 separate occasions and was provided the information needed to unblock my credit report would be to send in a stamped envelope with all of my personal information included, social security card, and copy of state identification. This should not be acceptable I didn't place a freeze on my credit report this company is claiming to be a part of Experian in which I have an online account, and no credit freeze were placed on my account through the actual company this is unfair and unjust. This is an example of corporations wasting consumers time and resources with utilizing their positions of power.
Product: Credit reporting, credit repair services, or other personal consumer reports

Its been over 30 days and the creditor ( LOQBOX ) has not updated the information nor has provided proof or documentation in regards to a late payment. 
They have not supplied this information and they must delete the alleged late payment on my credit report. 
Under federal law they had 30 days to complete the investigation, and by failing to do so, the item must be deleted from the report as soon as possible.
Product: Credit reporting or other personal consumer reports

I been consistently trying to get account validation, statements and proof I own accounts. No proof has been sent. No statements no nothing, but the credit bureaus keep verifying the account with no proof. I just filed another XXXX XXXX  affidavit, and now XXXX and XXXX is saying they cant locate my credit profile or verify my identity after I sent all documents they requested from me. I cant call in to speak to a XXXX XXXX because everytime I call in, they ask me verification questions. When I answer the questions correctly, they tell me Im wrong on questions when I know the answers. The information in their database is incorrect and the credit bureau dont offer me a way to correct the info.