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

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Debt collection

Ive sent numerous requests to this company via certified mail requesting proper validation. Each time the company ignored my request and sent only this itemized bill. I shared with this company the FTC opinion letter on itemized bills. They have not provided me with documentation showing any type of agreement between me and the party. I requested a copy of this agreement and was ignored. Im not obligated to pay a debt buyer who cant validate a debt properly or fail to communicate properly. I have attached a copy of my letter to them, FTC Opinion Letter, their response. Please note that they did not bother to respond to my 2nd request for validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the rights 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.
Product: Debt collection

I am filing a formal complaint against Harris & Harris Law Firm for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers at times or places known to be inconvenient.

On XX/XX/year>, l explicitly instructed representative XXXX of Harris & Harris LTD/Law firm via phone call to communicate with me only on Mondays between XXXX XXXX  and XXXX XXXX  XXXX. Despite this notice, XXXX, a representative of Harris & Harris LTD/Law Firm, contacted me on Tuesday, XX/XX/year>, at XXXX XXXX  regarding a debt collection matter. This call occurred outside the permitted window and disregarded my prior instructions. The unsolicited contact caused unnecessary stress and disruption to my daily obligations.
Product: Debt collection

I have attempted several times to remove these fraudulent accounts from my report. I have three collection account for medical debt 1. Wakefield Associates 2. XXXX XXXX XXXX 3. XXXXXXXX XXXX XXXXXXXX This credit card collections is not mine. 
1. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO : EQUIFAX XXXX. XXXX XXXX XXXX GA XXXX I HAVE DISPUTED NUMEROUS TIMES WITH EQUIFAX ABOUT THIS FRAUDULENT ADDRESS THAT DOESNT BELONG TO ME. THIS SAME ADDRESS COTINUES TO REAPPEAR ONLY ON MY EQUIFAX CREDIT FILE AND I DON'T KNOW WHY WHEN I HAVE NEVER STAYED NOR RESIDED AT THIS RESIDENCE OF XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I HAVE CALLED INTO EQUIFAX TO HAVE THE FRAUDULENT ADDRESS REMOVED AS WELL AS THIS WILL BE MY SECOND COMPLAINT WITH THE CFPB ABOUT EQUIFAX ALLOWING FICITIOUS INFORMATION TO BE PUT ON CONSUMERS FILES. THEY HAVE REMOVED IT THE ADDRESS AND THEN IT REAPPEARS. I HAVE LIVED IN THE SAME HOME ALL MY LIFE. NOT A FREAKING APARTMENT COMPLEX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are require to remove/block any items which was 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it may concern : I am also requesting that you provide me with a copy of my credit report so that I can verify its accuracy.I have a right to contest any information on my credit report that I believe is inaccurate. I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with Metro 2 regulations or else you could face fines! Again! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and Metro 2 standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you consider the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, Im requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and notice I had two late payments on an account that I was never late, for Consumers Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. 
I have never be late on payments for the account. XXXXXXXX XXXX XXXX XXXX XXXX please investigate and provide proof with statements showing that these payments were late. 
If proof cant be provided, I demand these payments be updated to on time as they should be as I was Never late. 

Thanks.
Product: Student loan

TransUnion is reporting inaccurate data on my credit report, stating that I was late XXXX, XXXX and XXXX of XXXX. I was not late, for the year of XXXX and the credit bureau is reporting that my accounts is saying ok, ok, ok starting from XXXX all the way up until XXXX, but XXXX, XXXX, and XXXX it states 90 days late 120 days late and 120 days late, what happened to 30 and 60 days late if I was really late. I was in a repayment plan. I signed up to renew my repayment plan in XX/XX/XXXX which covered the entire year of XXXX. After speaking to someone about this issue, no one has been able to provide me any documented proof about these so called late payments. Therefore, remove these late payments immediately or there will be a lawsuit against the credit bureaus for fraud. They even defraud my information listed on these accounts by not showing all the information from XXXX and up, like they did from previous documents that they sent me. They make it appear that those late payments started in XXXX, but and are claiming that they don't have any information from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ca n't reset password and pay online. Tried to call them couple times before and today. Every time the system put me on hold for almost an hour without an assiciate answered my call. I ca n't wait for that long. Very bad service.
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 15 U.S.C. 1681 section 602a State I have the right to privacy.

15 U.S.C. section 602a it also States a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Intent to sue : I have disputed multiple times and will attach proof that I have contacted them. They still have not removed the XXXX  account and they put back on the XXXX XXXX  account. Both of these accounts are due to identity theft. These need to be removed immediately off my credit report. This will be the last time contacting them about this. Next time they will have a lawsuit for not following the law.
Product: Credit reporting or other personal consumer reports

XX/XX/year>, I went to XXXX XXXX XXXX to purchase a XXXX  XXXX sorento through the finance option. Unbeknownst to me, the finance manager XXXX XXXX negotiated loan terms on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX. My signature was forged on the contract by XXXX. I was signed up for warranties and features that I declined. Neither the lien holder nor dealership is able to validate the e-signatures used on the contract. There are multiple contracts in existence and Ive yet to receive a copy of them all. Ive reported this to all parties involved including the attorney general. Nothing but financial hardship has come of this. Im now in debt over $ XXXX for a car that isnt even worth half of that.
Product: Credit card or prepaid card

Due to an error with autopay which I was not notified about, payments were not processed on this account. I had previously spoken with a customer service representative via the telephone that assured all Synchrony Bank accounts did have an active autopayment setup for the minimum balance. 

Through a previous CFPB complaint and numerous calls to the company, all late fees have been refunded. The previous complaint was closed with a contact information for a representative at the bank. I have not been able to reach this person after multiple phone calls and left voice messages. 

The 30-day late payment that was reported on this account should be updated to reflect an one-time payment as would have been the case should the autopay have been instated as I was notified from the bank. 

I never received any kind of notice with the statement or any email until the account was reported to the credit bureau. Should XXXX had contacted me, I would have worked with the representative to fix the autopay that they told me was already in place.
Product: Debt collection

I requested a debt validation with a formal letter around XX/XX/2018 after I received a letter from this debt collection agency with no valid proof that it was my debt. The bill is in the amount of {$190.00} for a credit account.
Product: Credit card or prepaid card

On XX/XX/XXXX I used my Shell Small Business Card to purchase fuel from Shell Station number XXXX in XXXX, WY. After paying the cashier, my card was not returned to me. I was unaware of this. I was driving on a long trip and did not have need for my Shell card after that. Back at home in XXXX XXXX I frequent a station that does not accept Shell Cards so I was still unaware that it had been lifted. In XX/XX/XXXX my bookkeeper advised me that someone was using the same card to purchase gas from the same station in XXXX, WY. That card was used for 48 transaction over the next 2 months to buy fuel ( sometimes multiple transactions in the same day ) for a total amount of {$2900.00}. Once I discovered this I immediately called Shell Business Card and reported the fraudulent charges. I told them that it seemed to be an inside job as I then recalled that the station attendant had not returned my card to me. Additionally I have noticed that if I use my card at the pump, it requires me to input my PIN. If I take it to the cashier and they process the card, no PIN is necessary. I believe that an employee or related party of that particular gas station is responsible for stealing my card and making the fraudulent charges since they would not need a PIN to run the card there. Shell posted a {$2900.00} credit on my account after I reported it and told me they would investigate the fraudulent charges. However, in XX/XX/XXXX, Shell Small Business Card, billed me back for the {$2900.00} of fraudulent charges. 

On XX/XX/XXXX Shell Small Business Card, Security Operations Center sent me a form letter that advised me that they had completed their investigation of unauthorized use and they had determined that mu Company was responsible for the charges. They said that their policy was that if I ( my small business ) had 10 or more cards issued to it at my request, that in accordance with section 135 of the Federal Truth in Lending Act, I automatically waived all limitations to liability for unauthorized use. 

On XX/XX/XXXX, I sent a letter of response to Shell Small Business Card, Security Operations and told them that I took exception to their claim that I had requested to be issued 10 or more cards. I asked them to send proof that I or my company had ever requested 10 or more cards to be issued. I also told them that I believe that they issued 10 or more cards to us without our consent specifically to dodge liability for unauthorized use and effectively force my waiver of liability. 
As of now, I have not received any more correspondence from Shell on this matter. The Shell Small Business invoice has a balance due of {$1500.00} on it that is accruing interest and late charges. I have not been paying them since XX/XX/XXXX.
Product: Mortgage

My mortgage was sold to Roundpoint Mortgage Servicing, LLC on XX/XX/2023. I paid my XX/XX/XXXX payment on XX/XX/2023, through my bank at XXXX XXXX bill pay. I paid my XX/XX/XXXX payment on XX/XX/2023, through my bank at XXXX XXXX bill pay both in the amount of {$1300.00}. Roundpoint states they have never those payments. I have contacted Roundpoint by phone and I have emailed Roundpoint on 14 different occasions starting on XX/XX/2023, through XX/XX/2023. I have spent hours on the phone, emailing ( XXXX and XXXX ), and going to my bank to get acknowledgement letters of those payments then emailing those acknowledgement letters with no response ever to this date. The only calls I get from Roundpoint every day is to tell me my mortgage payments are late and they have dinged my credit report on several occasions. I have done everything Roundpoint has asked me to do to prove I have made these payments and I have never received a response. 

Please help me get these payments acknowledged, remove past due payments and correct my credit report. Thank you!
Product: Credit reporting, credit repair services, 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 XXXX  Account number : 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: Checking or savings account

I was ill XXXX symptoms XX/XX/2021. A bit recovered within last two days, I noticed, cyber hacking of home central devices, Missing electronic such as laptop, my accounts had been compromised, I immediately contacted my bank to reduce further loss, reported this to local then to federal cyber and identity crime enforcement. I provided the Merchant that I could reach and my bank with transactions and detailed affadavit and report number. I advised the funds of the account was federal issued fumds for self support, and it is crucial to the quality of life under such circumstances that I can remain healthy to the affordable care in which the Veterans benefits provide. This is the second amount in such circumstances involving Branch and XXXX which a foreign entity I reported here after not receiving a fair disposition of credit that will cause me to suffer for security failures and what's legally the duty of the Merchant to assure the extra measures are in place for transactions it allo to happen on. its platform with out the physical card for inspection and fraud prevention. Although the investigation is ongoing it remains unresolved with funds not yet being submitted as only a temporary necessity.
Product: Credit reporting or other personal consumer reports

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following accounts : XXXX XXXX Account XXXX Date opened XXXX XXXX balance {$6500.00}. 
XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$660.00}. 
XXXX XXXX XXXXXXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$1100.00}. 
XXXX XXXX XXXX XXXX  Account XXXX Date Opened XXXX XXXX balance {$150.00}.
Product: Credit reporting or other personal consumer reports

I have pdf all papers from every negative account on my credit report neither XXXX, XXXX, and Equifax has not answered my letters and disputes, when I have sent confirmation from all these companies and Police reports stating unauthorized use and proves I'm the victim! 
This is my 8th letter of disputed circumstances and confirmations that are not being investigated, because these letters are confirmation from each company that they agree to be removed!! 
I want to sue these 3 major credit reporting agencies because! 
15 USC 1681 STATES MY RIGHTS 15 USC 1681 STATES WRITTEN CONSENT 15 1666 B STATES NO LATE PAYMENTS I want all accounts removed!!
Product: Credit card or prepaid card

On XX/XX/2021, my card was charged for a service I did not receive in the amount of {$390.00} I notified the card and filed a dispute on XX/XX/2021 On XX/XX/2021, Citi notified me that that were ruling in the vendor 's favor even though the vendor did not respond at all. 

This is contrary to the CFPB law, which indicates that a vendor must respond within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has listed my XXXX balance as {$580.00} for the last 3 months in a row. I have disputed this now XXXX  months in a row and they are still unable to get it correct, regardless of the other two credit reporting bureaus ability to get it correct. My balance currently is {$150.00}.
Product: Credit card

To Whom It May Concern : I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. The following account does not belong to me and should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX  XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX ( Original Creditor : 11 XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX XXXX  FOR XXXX XXXX XXXX ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX, XXXX XXXX, XXXX. INQUIRIES : XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  | XX/XX/XXXX, XXXX/XXXX | XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX  XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX | XX/XX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX