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

This is a new complaint in follow up to complaint i.d . : XXXX Please address these issue 's below : Dear TransUnion, Thanks for investigating and providing results of your investigation, however, I am not sure what you are VERIFYING as accurate butthiscollection is ACTUALLY being reported as inaccurate and false by XXXX, XXXX & XXXX XXXX XXXX XXXX on XXXX XXXX XXXX behalf. This law firm is also falsely acting as a collection agency, when they are a law firm, along with their client, XXXX XXXX who has been sent multiple correspondences via certified mail with return receipt regarding the inaccurate and false amount their client claims that I owe them. Under California tenant/landlord law, XXXX XXXX XXXX my previous landlord has failed to send me an itemized state of deductions from my {$300.00} security deposit within 21-days. Therefore, XXXX XXXX is NOT owed any money from me, including the bogus {$150.00} amount they are claiming with XXXX XXXX XXXX XXXX which is being reported incorrectly/falsely on my credit report, which you continue to allow them to falsely furnish on my credit report and cause damages to my credit that are not true and accurate. NO money is due to them, as under California law they have forfeited any rights to not only withhold any funds from my {$300.00} security deposit or to be able to charge anything above the {$300.00} security deposit. Instead, XXXX XXXX actually OWES me a full and complete refund of my {$300.00} security deposit, which they have NOT returned back to me. I have contacted both XXXX XXXX and their law firm XXXX XXXX XXXX XXXX XXXX XXXX and both have been non-cooperative and non-responsive in refunding me the {$300.00} security deposit or removing the false {$150.00} collection amount which is NOT legally owed to XXXX XXXX. I am demanding that you take action and remove the inaccurate collection being reported on my credit report immediately.
Product: Prepaid card

I purchased a XXXX XXXX from XXXX. I put XXXX on this card and they charged me XXXX dollar fee to load it. I had not even gotten to use the card before all my money was taken up by XXXX fraudulent charges XXXX being for XXXX something dollars and the other charge was for XXXX dollars. I spoke with Secure Spend customer service, they informed me that due to the fact they are completely Anyomous debit cards that some how someone could of gotten my card number ahead of time and was able to use it once I loaded founds, that this happens all the time. That there is nothing they could do about it and refuse to even allow me to file a complaint until the end if the month... This money was to pay my electric bill and now I no longer have it to pay My electric company is not going to sit and wait for my payment and I can not afford to come up with another XXXX... I am not the first customer they have done this too ... .there are hundreds of complaints about them on the internet that I have XXXX XXXX XXXX is still XXXX this card is unbelievable.. These people are scam XXXX and there are cases out there that the consumer has been battling over a year to receive a refund from them with no results!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, and XXXX XXXX has appeared on my credit report as a negative collection. 

I have no knowledge of this collection accounts. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

15 U.S. Code 1681b- Permissible purposes of consumer report. ( A ) ( 2 )
Product: Mortgage

Dear Sir or Madam, I wish to file a complaint against the entity, HomeLoanServ., of XXXX Idaho XXXX inregard to fraudulent escrow relaeses, and improper handling of escrow moneys, in the regard of my home @ XXXX XXXX  XXXX XXXX, XXXX Id. XXXX. Last year, after a house fire, XX/XX/2020, The insurance company, XXXX XXXX XXXX XXXX XXXX, depositet over XXXX $ in escrow to HomeLoanServ. The moneys were to be released in draws, as work ws completed and verified. The moneys were to be released in XXXX party checks, to ( myself, the homeowner ), and the contractor, XXXX XXXX XXXX, of XXXX Id. In XXXX of this year, the final release if funds was done, completely without my knowledge, or any endorsement of any kind by myself, who is a lifelong singleman, with no heirs or assignees. Upon independant inspection, it has been determined that the work that has been done os both shoddy and substandard. The inspector certifies that work was done after inspection, without sanction. It seems much of the work must be re-done to comply. It was also stated by HomeLoanServ., that the cotractor was within two weeks of completion, and the funds drawn were used to that purpose. I wish to see factual invoice of these contentions. XXXX XXXX are both fraudulent and lying, and I beleive that criminal prosecution is in order, for them and the escrow office of HomeLoanServ. 
Please contact me at XXXX XXXX XXXX XXXX XXXX, or by e-mail. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is neither being made in error, nor is my request to block the information being made on material basis of misrepresentation of facts by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

XXXX XXXX ( ORIGINAL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) : ACCOUNT NUMBER : XXXX. 
THE BUREAUS ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX. 
XXXX XXXX : ACCOUNT NUMBER XXXX. 
XXXX XXXX : ACCOUNT NUMBER : XXXX ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX
Product: Payday loan, title loan, or personal loan

I spoke with a representative from the company called Santander about Mailing out the title to a car I just finished paying for this was on XX/XX/XXXX the representative inform me that the title was put in the mail on XX/XX/XXXX she informed me that it takes up to two weeks to receive the title I called again on XX/XX/XXXX and spoke with another representative and the representative is giving me the run around all I want is the title to the car I paid off
Product: Credit reporting or other personal consumer reports

Back in XXXX  my Information was stolen when I was hit off my motorcycle, im sure this has something to do with it again im not sure. I went to the police I filed every document I can regarding this. due to I can't get housing nor a car loan due to whomever did this and open these Fraudulent accounts in my name. 

I have no connections or knowledge about any account listed. please help me on correcting this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections account XXXX XXXX XXXX ( XXXX {$1800.00} ) has been disputed and deleted from my credit report. Report XXXX XXXX with Experian. 
The same account but different collection company is showing on my credit report again as of XX/XX/2021. Collections company : XXXX. XXXX ( XXXX {$1800.00} ) Filed another dispute with Experian demanding it be corrected and deleted from my credit report. This has cause a huge drop on my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My VISA card has been debited by Experian the following for services I did request, elect, purchase, or agree to for any reason :XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$19.00} XX/XX/XXXX {$21.00} XX/XX/XXXX {$21.00} Total {$100.00} I have repeatedly called XXXX the number shown on my Visa card monthly statement and the number shown on the Experian website, XXXX when I enter my SS 3 as requested by their voice response system it says I can't cancel my 'FREE ' Experian account. I have attempted to contact them to no avail on multiple occasions. 
I have also contacted my VIA bank and disputed these charges with no result.

I have now cancelled my VISA card and am reluctant to get another card due to Experian 's ability to access my CC card account and continue to bill me for this service I have never requested or used. The voice response system at Experian says I need to setup an account to login to Experian to manage my account, which I know better than to do. This would only verify the validity of my account and justify their billing.. The XXXX email address Experian is contacting me at is an email I never use, except when it is required and I don't want to be contacted any further. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENTLY OPENED ACCOUNT REPORTING ON MY CREDIT FILE. 
I DID NOT OPEN SAID ACCOUNTS
Product: Mortgage

This is related to a rental property located at XXXX XXXX XXXX, XXXX TX XXXX. The Money Source phone no. ( XXXX ) XXXX funded the loan ( XXXX ) and they escrow for insurance and property taxes. 

Back in XX/XX/XXXX, I got notice from XXXX XXXX XXXX where the property is located that taxes were due on XX/XX/XXXX for the amount of {$2900.00}. I called the Money Source and they told me to disregard the notice because they make payments automatically. 

On XX/XX/XXXX I got a notice in the mail from XXXX XXXX XXXX advising of delinquent taxes, a penalty and a potential lien to my property. I called the Money Source and gave the parcel number and they assured me not to worry, the payment will be made. I checked with XXXX XXXX XXXX on XX/XX/XXXX and no payment was posted. I panicked and paid the taxes and a penalty of {$260.00}. I paid a total of {$3200.00}. 

The Money Source website reads as if they made a payment for the base amount on XX/XX/XXXX. I called XXXX XXXX XXXX and they said they had rejected a payment that came after mine even though XXXX XXXX reads they paid on XX/XX/XXXX. 

I called the Money Source on 7 different occasions. XXXX, XX/XX/XXXX. On XX/XX/XXXX spoke to XXXX who said she can read a note from XXXX XXXX saying that on XX/XX/XXXX the county rejected the payment but the funds have yet to be posted to my escrow account. Every time I contact The Money Source the story is a bit different. They keep asking me to continue checking periodically. 

Called again on XX/XX/XXXX and XXXX said that there is not any activity on my account but that most likely they were not going to refund me the penalty I paid. It was my fault for making the payment. Called again today on XX/XX/XXXX and XXXX says that these issues can take 90 days to be resolved and that they are waiting for XXXX XXXX XXXX to return the funds. However, when I spoke to XXXX XXXX they said they didn't take any funds, they rejected the transaction. XXXX says that they have escalated my case but I still haven't seen any refund from XXXX XXXX. 

Please help me to get the {$3200.00} I paid. I feel I'm getting a runaround and that there is no accountability from these folks for their faulty system and the customer is be being penalized for 1. their failure to pay the escrowed taxes on time, 2. Not issuing me a refund the moment I called giving them proof of payment, 3. Not providing me a number where I can log a complaint with a person  who has authority to resolve my case.
Product: Student loan

I submitted a complain about the company, Case number : XXXX. The company responded by copying and pasting text regarding their policies. My problem was not addressed. I still have the same issues as described in the original complaint. No one called me. I am still being charged {$5000.00} as a payment. My case was marked as being complete with no further actions planned by the company.
Product: Debt collection

On XX/XX/20 I asked my bank, XXXX to reverse charges for XXXX shoes. On XX/XX/20 Xero shoes refunded my money in two parts. XXXX then reversed my dispute and rebilled me for the original transaction. Paypal says that I owe them since they did not receive the reversal of the dispute nor the rebilled. I have spoken to Paypal many times including having one of their Representive speak with a XXXX Representative. The XXXX Representative told PayPal that I do not owe PayPal anything because the money was sent back to Vendor 's bank account. Therefore the issue is between PayPal as the processor and the Vendor 's Bank. The amount PayPal says I owe is {$100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the accounts below deleted from my file ASAP : XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Consumer Loan

I FILED CHAPTER XXXX. THE CREDITER DID A HARD INQUIRY AFTER I GAVE THEM THE CASE NUMBER AND MY LAWYERS INFORMATION .WHICH RESULTED IN MY CREDIT SCORE DROPPING.THE DID NOT HAVE PERMISSION TO RUN MY CREDIT. THIS ACCOUNT WAS ALREADY CHARGED OFF AND THE INQUIRY SHOWS IT BEINGING ON MY CREDIT REPORT FOR TWO YEARS. MY BANKRUPCY CASE NUMBER IS XXXX AND THIS LOAN IS INCLUDED IN IT.
Product: Checking or savings account

My checking account was locked without notice, nor explanation, over a month ago. It has caused all of my normal bill payments to be rejected without reason. I have called the bank multiple times and waited on hold with numerous representatives for many hours over the course of weeks, never to be offered resolution. Nobody has any idea why my account is locked, and the employee in charge of my account is never available in office to speak with me, nor have they ever once called me. I demand access to and transfer of my approximate {$25000.00} in funds in this checking account to myself immediately. This money was deposited into this checking account via ACH from one of my other bank accounts in my name over 4 months ago. There is absolutely no reason these funds should be held for this long.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are account 's and inquirys on my account that I did not authorize and there are also collections and late payments being reported that are inaccurate I have contacted XXXX transunion and XXXX to dispute these items and give them my updated address and they hang up on me
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed the bankruptcy in my file when I pulled my credit. I sent it to Transunion to dispute and 30 days later it was still on. I wrote to the court address on my file and it was returned as no such address. I contacted them by phone and letter and they didnt really have anything to really say only that we cant do anything. The courts do not put public judgement on a credit report. FCRA LAWS and mandated Metro 2 format COMPLIANCE regulations require ANY and ALL data reported be CERTIFIED AS CORRECT, COMPLETE, and exacting in TESTIMONIAL TRUTH affirming the FACTS of every aspect of lawful standing and reporting. I DO NOT AUTHORIZE you to RETAIN or report other
Product: Debt collection

In XXXX of 2018, we attempted to XXXX XXXX. They did not have the equipment necessary to supply the service. It was cancelled and never used. They still charged {$100.00} even they we never received their service.
Product: Credit reporting or other personal consumer reports

Account # XXXX opened-XX/XX/2018 I am writing to address certain concerns regarding the handling of my personal information as outlined under various provisions of the Fair Credit Reporting Act ( FCRA ) and related statutes. 

It is imperative to underscore the fundamental principles delineated within the Fair Credit Reporting Act ( 15 USC 1681 ), particularly in Section 602 ( a ), which emphasizes the need for consumer reporting agencies such as Equifax and XXXX to exercise fairness, impartiality, and respect for individuals ' privacy rights. As a consumer, I am entitled to safeguard my private information, as underscored by the provisions within 15 USC 6801.

Furthermore, in adherence to the policies articulated by the Congress in 15 USC 6802, financial institutions like XXXX XXXX are duty-bound to uphold the privacy and confidentiality of their customers ' nonpublic personal information. The law stipulates that any disclosure of such information to nonaffiliated third parties necessitates explicit consent from the consumer, in accordance with 15 USC 6802 ( b ) ( c ).

Regrettably, I have not been duly informed by XXXX XXXX of my right to exercise my nondisclosure option, as mandated by 15 USC 6802. Moreover, the reporting of adverse information without my consent, as reiterated in 15 USC 1681C ( a ) ( 5 ), is a direct violation of my privacy rights and the statutes outlined within the FCRA.

Additionally, I draw attention to 15 U.S. Code 1681s2 ( A ) ( 1 ), which prohibits the furnishing of inaccurate information to consumer reporting agencies. Equifax and XXXX 's failure to maintain reasonable procedures, as mandated by 15 U.S. Code 1681e, further compounds these concerns.

Furthermore, pursuant to 12 CFR 1016.7, I hereby exercise my right to opt out of your reporting services with immediate effect.

In conclusion, I expect full compliance with the provisions of the FCRA and related statutes regarding the handling and dissemination of my personal information. Your prompt attention to these matters is appreciated. 

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

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, THESE ARE HARD INQUIRIES DAY Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX US SM BUS ADMIN ODA XX/XX/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 TransUnion XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion 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
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : I checked my personal consumer report which I acquired from your organization and I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove these inquires The following items do not belong to me and is a result of fraud that I did not authorize : Block and remove 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX the following Accounts XXXX XXXX account # XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX account # XXXX Balance {$500.00} XXXX XXXX account # XXXX Balance {$8000.00} XXXX XXXX XXXX account # XXXX Balance 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.
Product: Debt collection

began receiving calls from this collect company making threats and verbal abuse, very nasty and aggressive. Radiusglobal is very rude and keeps making threats