23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received another letter from Harris & Harris, Ltd.dated XX/XX/2021. I requested them to provide me the information under the Fair Debt Collection Practices Act ( FDCPA ). I requested a VALIDATION made pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. They continue to ignore my request and instead they continue sending letters after letters for the same reason. I do not have any knowledge of this account. I am requesting for them to provide me with what I am asking. They need to provide me a validation of HIPAA with my signature on it. In addition, a contract with my signature on it. All my letters were sent certified letters with a returned receipt just to ensure they received my request. Certified number for the first letter is XXXX and the second letter is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam a Natural person, I am living human being, i have the rights under 15 U.S.C. 1681. 

Equifax i govern by the 15 U.S.C. 1681. And they violated my rights numerous of times. I demand the Accounts listed below be REMOVED because : According to 15 U.S.C. 1681 : I have the right to PRIVACY and I did not give Equifax written Permission to Furnish these Accounts : Inquiries : 1. XXXX XXXX Date : XX/XX/2022 2. XXXX XXXX Date : XX/XX/2022 Accounts : Account Numbers : 1. XXXX XXXX 2. XXXX XXXX ( Original Creditor : XXXX ) XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXXXXXX 6. XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted all three bureau XXXX XXXX, XXXX, and Experian asking to uphold the integrity and standards set by CFPB, XXXX, UCC, FDCPA and 15 USC. Also Texas fair credit reporting. All knowledge has been ignored on the behalf of the bureau. I demanded proof of debit by contract with my signature. They failed to comply. I asked them to remove debit with false information that was past Section 16.004 of the Texas Civil Practice Remedies code. The statue of limitation on debit in Texas is four years. Some accounts where doubled and had different account numbers. The bureaus refused to do anything. 
I sent a letter to update my information and remove false inquires on my report. These too where ignored by the bureau!
Product: Credit card or prepaid card

Two of my capital one credit card was canceled a while ago by capital one while I still had a fairly large balance on both cards. I had no issues with them canceling both of my cards and I still continue making payments on both of the credit cards. They continue to charge me interest charges which I am okay with also, since I am not able to pay the card off in full at the moment. I have no problem with any of the issues above and once again I still continue to make payments to capital one with both cards. I then recently called capital one and simply asked them to apply my nearly {$2000.00} in rewards between both cards to be applied as statement credit to my account. They denied to add the reward dollars to my account and said they were forfeited since there was a closure in my account. These are the reward dollars that I earned as an active capital one credit card holder. I feel like it is unethical to take away my reward dollars that I earned charging their card instead of any other credit card holders while they continue to charge be interest charges every month for my unpaid balance.
Product: Debt collection

I am no longer wanting to dispute the account and the collection agency is refusing to remove the comment from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my cre
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out a letter to the reporting agency at hand and by federal law they have 30 days to complete the investigation after reciept of disputE WHICH HAS NOT BEEN DONE AND BY LAW IF NOT DOMNE IN A TIMELY MANNER IT SHOULD BE DELETED
Product: Money transfer, virtual currency, or money service

Commencing on or about XXXX XX/XX/2023, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. Money was transferred from my account via wire transfer and debit card, and through intermediaries named XXXX  and XXXX in the total amount of XXXX USD utilizing Wells Fargos services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recieved car loan for a XXXX XXXX XXXX XXXX in XX/XX/XXXX from Credit acceptance corp. I paid my bill on time every month for 7 months. The transmission in the car failed in XX/XX/XXXX. I contacted Credit acceptance to see what my options were as i could not afford the repairs and i did not want my credit score to be affected. They stated it was nothing they could do as far as paying for repairs. I asked about the process for turning the car back in to them. Credit acceptance rep stated that they would come pick the car up, it would then be sold for what they could get for it, Whatever they sold it for would be subtracted from the balance i owe which at the time was about ( balance in XX/XX/XXXX {$4500.00} ) they would send me a letter with new balance once car is sold. I never recieved a letter with the new balance. They are still reporting as if account is open til this day. They are reporting an inaccurate balance of XXXX which is more than the initial loan amount. They are reporting late payments and voluntary surrenders every month. Every time i dispute they get worst. I asked for proof of what they are reporting, and no one can furnish the proof. I asked all three bureaus XXXX, XXXX, and XXXX to verify and send me proof. But yet and still no one can show any evidence of this but its still reporting negatively on my consumer report and public records. Ive requested this to be removed for inaccuracies numerous times and yet its still reporting. This is Fraud and it is causing great stress and hardship in my life, Due to their bad business practices.
Product: Debt collection

LVNV FUNDING LLCwas advised to investigate a few things that I believe are inaccurate and they never responded. I asked for a a copy of the contract that I signed ( which is my right to do so ), a full account history of this debt, every payment that was made and all interest that was applied. Those were MY specific request. It appears obvious to me that they are abusing their power under the FCRA to escape a complete investigation. I have been requesting, since since XX/XX/2021, verification of this alleged debt that they claim I owe to this company company and which they are reporting on my credit files. However, this company has failed to obtain and send me legal verification as mandated by the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax Dispute Center, and was connected with XXXX, one of their customer service reps. I explained to him that I have tried many times to remove old addresses from my credit report, and have had no luck. He said that as long as creditors report them to Equifax, there is nothing he could do to help me. I stated to him that by law, Equifax is supposed to report correct information, and none of these old addresses are correct. He refused to delete them. I next moved on to some old accounts they have listed on my report. I informed him that I have written the XXXX XXXX XXXX XXXX twice to try and verify their claims that I had late payments on my student loans in 2014 but they do not respond back. I've called them numerous times but nobody can verify these late payments, so I asked XXXX to delete them from my report. He said without notice from the creditor, he couldn't do that. Same situation with a SSA account that is on my Equifax report. I have contacted them numerous times and they can't verify the account belongs to me, which it doesn't, it belongs to my deceased father XXXX XXXX. I asked him to delete this account due to lack of verification, but he refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX-XXXX-XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regards to the disputes asking for a legal debt validation. I inquired about these accounts that is listed on my Credit Reports : Credit Bureau Service {$2800.00} You were unable to provide me any legal documentation proving these accounts is legally valid. How did you investigate this account without any documentation? I need this debt validated or remove all information regarding this account from my credit reports. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX Cc : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a federally protected natural person under FDCPA. Pursuant to the Law 15 USC 1681b each of the Credit Reporting Agencies ( TRANSUNION, XXXX, XXXX ) have violated me MULTIPLE times and all of this negative information hasn't been EQUITABLE to me. The Late payments that these companies are reporting are erroneous Pursuant to 15 USC 1666b. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPARTMENT OF EDUXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am demanding you to block and remove this information within 4 days of you receiving this this complaint. I've given you plenty of times to remove this information before but you have failed to do so. The Attorney General has been Notified and will be getting in contact with each of you.
Product: Money transfer, virtual currency, or money service

I sent out to wire transfers from my Discover bank and the receiver hasn't received them yet and when I called I was told my funds was on hold by another financial service called the XXXX XXXX and it should be available within two to three business days now it's been over a week and nothing has been heard from discover bank and recipient never got the money ... .so which means my money is literally hanging in the middle of nowhere, I tried calling again and the agent that picked my call has the audacity to hang up the call on me after I gave them the wire transfer tracking number to help find my funds... please help call on to this people called Discover to refund me my money or either release whatever hold that's on the transfer
Product: Debt collection

They called my XXXX XXXX, which is not okay. They repeatedly call and when I signed up to see what the debt is, they were trying to legally bind me to pay it all at once to view what it even is. That is disgusting practice. Especially when I dont know if this debt is actually mine. I want them to stop contacting me asap.
Product: Credit reporting or other personal consumer reports

Information was stolen in data breach and this needs to be removed, I dont want a 30 day dispute under section 605 b this should be removed n 4 days
Product: Debt collection

XXXX / XXXX / {$10000.00} XXXX XXXXXXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the adate on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/1977 I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the XXXX XXXX XXXX and they are not reportable as per the FCRA, since they are inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out multiple times to bureaus and debtor to resolve this issue. I have a 90 day late pay for an account that was on default until I became employed or until I was able to make payments. I no longer lived at address this company had on file never received any email of any kind telling me my default had ended nor was I explained the process of how long the default would be for. I reached out after receiving alert on credit report. I feel that this was my first time ever having to set up employment default that I should have been notified or at least given details in writing of how the default worked. I have also requested in writing multiple times for both bureaus and debtor to provide proof of how this debt has been verified but have yet to be provided method.
Product: Mortgage

THIS ACCOUNT WAS TRANFERRED FROM XXXX XXXX TO THE POPULAR BANK WITH ERRORS OF LOSSES THAT DO NOT BELONG TO THAT ACCOUNT. THE POPULAR BANK CAN NOT REPORT THAT NEGATIVE INFORMATION IN MY CREDIT REPORT BECAUSE I HAVE NEVER PAID WITH XXXX  TO THE POPULAR BANK.
Product: Credit reporting or other personal consumer reports

I have no connection to the mentioned creditors, and the inquiries on my report are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the course of repairing our credit, we filed a dispute on two items with equifax credit reporting and after about 30 days they came back and said the 2 items were correctly reported, so we mailed them the court settlement that proved that we had in fact paid 2 items. About a week later we got an email that they had the results of the proof we sent, so we click on the check status button and it ask us a bunch of questions to verify our identity, and ALL the questions that were asked did not apply and we did not have ANY of the things they said were in our file, so we got a message that said to call because they could not identify me. So I called the number and got a guy that has a bad accent and does not speak very good english, and he proceeded to ask a ton of questions to identify me, and yet after ALL THOSE questions he said he could not identify me, EVEN after I told him about the 2 court actions I sent in to get the disputes resolved, so he said he was sorry that he could not identify me and there was nothing he could do for me? Apparently they have some incorrect information, but you would think after giving him a ton of information, he would be able to help me especially after sending ME the email with a code number on it? If I was a crook and got the email with the code, would I call with the number looking for a dispute status, AFTER giving him that info, and why would i want status? It make no sense to deny me my info. There has to be a better way ESPECIALLY when it takes so many months for them to correct things. I have to refinance my house by XX/XX/XXXX this year and these reporting agencies take so long to react to repairing things that we will loose our home in XXXX. Its terribly frustrating dealing with these places, they dont care if your the real person or not, because I seriously doubt that crooks want to call and ask for information about a dispute?, even when they give my address, ssn, where i work ( im a XXXX  ), and that Ive been at the same address for more than 10 years! Extremely frustrating and unfair when a place can hold so much power over us???
Product: Student loan

Please see related complaint # XXXX. While I appreciate that XXXX responded to that complaint in a timely fashion they did not address my main complaint, why is any " unpaid interest '' occurring in my account if I pay the payment in full every month as I have through the history of the loan? I would like an explanation of why this continues to occur, as you can see from the attachment, as of today I have {$75.00} of unpaid interest despite paying my payment of {$530.00} in full as billed to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX Reason : Account is fraudulent I have contacted this company because they are listing a collection account on my credit file and this account does not belong to me. I have demanded a validation letter from this company and this contract they sent over does not have my address or signature on file. The contract also shows XXXX payment was made on XX/XX/XXXX and all payments after that failed. so with that also being said the last payment made was on XX/XX/XXXX, the next payment shows it was due on XX/XX/XXXX and on my credit report that are showing last activity date XX/XX/XXXX under the protection of the law " The Fair Debt Collection Practices Act ( XXXX ) is a federal law that prohibits debt collectors from using practices that are abusive or deceptive. '' they are trying to extend the last date of activity into XXXX, so this account can stay on credit report. there validation letter they sent me clearly shows the last payment on this account was back in XXXX and not in XXXX, under that part alone, I am demanding the credit agencies protect my rights under The Fair Debt Collection Practices Act ( XXXX ) and have this account removed from my credit file and all credit reporting agencies immediately for falsely reporting an account, especially XXXX that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to Experian, XXXX  and XXXX  on ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) requesting re-investigations into the accuracy of the account, XXXX  XXXX XXXX XXXX. The credit bureaus did not verify the accuracy of the account and continues to report wrong payment histories, high balance wrong amounts, incomplete account number. When you look at the reports that I have included in this complaint, you will see that XXXX  is reporting that I have I was 90 days late in XX/XX/XXXX but Experian is reporting that I was 120 days late in XX/XX/XXXX ; Experian is reporting that I was " OK '' in XX/XX/XXXX, but XXXX reports that I was 120 days past due in XX/XX/XXXX. XXXX  is reporting that I was 30 days late in XX/XX/XXXX all through XX/XX/XXXX. If I have requested multiple investigations in the accuracy of this account, how come these bureaus are reporting three different payment histories, along with different high balance amounts? I am being treated entirely unfairly and my credit rights have been violated. Please delete this report as these credit bureaus are not complying with the FCRA timelines for investigation or accuracy of accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

FILED A COMPLAINT ADJOINING CFPB, XXXX, XXXX & EXPERIAN TOGETHER -- WAS TOLD COULD NOT DO THAT SO THIS VERSION 1 @ A TIME STARTS WITH EXPERIAN TGHE ATTACHED RTEPORT PROVIDED TO MR. XXXX BY A NEW PRIMARY DOCTOR AN EXPERT IN MANY WAYS DETERMINE IN HIS REVIEW OF MEDICAL RECORDS ( THE ONE ' ATTACHED THAT XXXX XXXX : 1. DID NOT HAVE XXXX THEREFORE XXXX XXXX XXXX XXXX BY NUMEROUS MEDICAL ENTITIES WERE NOT NECESSARY & MUST BE DELETED. 
2. THAT AS A XXXX EXPERT DETERMINED THAT MR. XXXX XXXX  IS GREAT & THEREFORE DID NOT NEED A XXXX  THAT DOCTOR WOULD VISITED XXXX XXXX WITHOUT XXXX XXXX CONSENT FOR 3 STRAIGHT DAYS -KEPT PUSHING ON XXXX XXXX TO HAVE XXXX XXXX XXXX XXXX XXXX XXXX THUS ALL BILLING APPEARING ON EXPERIAN CREDIT REPORT NOW OR IN THE FUTURE ASSOCIATED WITH EITHER NEED TO BE DELETED. 
MR. XXXX HAS NOT SOUGHT DAMAGES TO THE MALPRACTICE OF THESE DOCTORS BUT WILL IF CREDIT ABUSE CONTINUES EXPERIAN CONTINUES TO REPORT FALSE NARRATIVES TO HIS CREDIT FROM CLAIMS BY XXXX XXXX, XXXX XXXX & XXXX XXXX XXXX WITHOUT EXPLANATION. 
RECENTLY ALL OF THE ABOVE WERE CONTESTED BUT THE FORM PROVIDED BY EXPERIAN SEEM TO FAIL- THIS WAS REPORTED TO CFPB & SHOULD CONTINUE AS A 2ND COMPLAINT. 
CLAIMS THAT ITEMS LIKE XXXX XXXX WAS SENT TO THE FTC HAS BEEN DENIED AS FTC STATES THEY HAVE NO ACCESS TO CRPB REPORTS. FTC HAS HOWVER ACCEPTED A COMPLAINT AGAINST XXXX XXXX
Product: Debt collection

Rushmore Mortgage bought my second mortage from XXXX. The debt with XXXX was included as part of my chapter XXXX bankruptcy. Rushmore continues to report this as a deliquent debt to the credit reporting agencies. I have filed disputes with the agencies but the debts have not beenr emoved from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violetad my rights. 

15USC 1681 Section 602 States i have the right to privacy. 

15 USC Section 604 A section 12 : It also states a consumer reporting agency can not furnish account without written instructions. 

15 USCV 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraud report to the three credit bureaus, XXXX, XXXX   and Transunion. There were several items on my credit report that does not belong to me. Mostnofnthe items were removed, but some have been added back to my credit reports. No written explanation was provided to me, prior to adding them back, which is a violation. 
The information is as follows : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) AND XXXX XXXXXXXX XXXX - XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX  Equifax XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX Equifax XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XXXX XX/XX/2023 Inquiry XXXX  XXXX XXXX XX/XX/2023 New account XXXX XXXX XX/XX/2023 Inquiry XXXX XXXX XX/XX/2023 Card over limit XXXX  XXXX XXXX XX/XX/2023 Potentially negative XXXX  XXXX XXXX XX/XX/2023 Public record Equifax XX/XX/2023 New address Experian XX/XX/2023 Public record Equifax XX/XX/2023 Potentially negative XXXX  XXXX XXXX XX/XX/2023 New account XXXX Equifax XX/XX/2023 Potentially negative XXXX  XXXX