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

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2023 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

On Monday XX/XX/XXXXXXXX XXXX I received an email from XXXX and XXXX that the credit card company submitted a late payment notice for a delinquent account from XXXX XXXX XXXX And according to Section 15 USC 1681 Section 2 this company has violated my legal rights. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

Please Remove and block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Also, update my personal information to my credit report.

See attachment for the following : A summary letter FTC Complaint form A copy of my Identity Theft Report Police report proof of my identity ; a copy of my drivers license and Social Security card Proof of address A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Product: Debt collection

XXXX XXXX is in violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Under FTC v. XXXX XXXX XXXX ( XX/XX/XXXX ), a Federal Trade Commission lawsuit against a licensed or registered collection agency, whereas the collection agency paid millions in fines and penalties, a criteria was established on the collection of debt where interpretation of laws were established. That criteria is as follows : 1 ) The debt must be within legal timeline limits that it can be collected through a summary judgment process in the state of the consumer 's residency. In this case, both accounts started with HSBC Bank, went into default in XX/XX/XXXX, and then taken over by XXXX XXXX in XX/XX/XXXX. Both accounts are long past any redeeming collection period. 
2 ) The consumer must be given a 30-day notice that the collection will be posted on credit, and shown proof that the collection item has been assigned or purchased, or both. 
3 ) The consumer must be given his rights to dispute under the Fair Debt Collection Practices Act. In this case I was never notified by XXXX XXXX or XXXX XXXX XXXX. 
Both accounts have been re-aged, show no previous ownership as stipulated under the Fair Credit Reporting Act, and there is no payment trade line. The original owner, HSBC Bank is off credit completely as the legal timeline limit has come and gone. XXXX XXXX XXXX is in direct violation of FTC mandates on this type of illegal collection process. The Consumer Financial Protection Bureau needs to step in to sanction XXXX XXXX XXXX for these continued FCRA and FDCPA violations. Both accounts must be deleted on my XXXX credit report immediately and permanently.
Product: Debt collection

DATE : XX/XX/XXXX TO : THE CONSUMER FINANCE BUREAU FROM : XXXX XXXX XXXX XXXX FLORIDA / XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX AIR Duct removal and installation Job XXXX XX/XX/XXXX PLEASE HELP PLEASE HELP PLEASE HELP PLEASE HELP 1 - XXXX XXXX XXXX of XXXX said that my moms air conditioning needed new Air Ducts XX/XX/XXXX 2 - Mom is XXXX years old - Gets XXXX a month from Social Security Benefits All that she has 3- Estimate was XXXX 4- Mom could not get financing on her own She did not consult an attorney nor let me know. 
5- XXXX suggested the XXXX program, a government program for home maintenance loans 6- She was approved by XXXX who did not qualify my mom for the loan or give details on payments or give her a copy of the contract by mail. They said she would be billed through her tax bill the following year XXXX. 
7- Ducts were installed 8- Tax Bill came in XXXX that specified her normal taxes of {$500.00} plus the loan fee of {$1600.00} due. 
9- She could not pay the additional fee on the bill. 
10- Speaking to XXXX she told them she could not pay this bill 11- They said she may have to sell her house 12- XXXX also forwarded a negative balance of {$1600.00} to my moms reverse mortgage account with ( The Money Store ACCOUNT XXXX ) 13- I helped her file for bankruptcy six months ago through Upright Law but their attorney would not help. 

Please Help - Yours truly, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX REC ( Original Creditor : XXXX XXXX XXXX  XXXX TX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX ... SPRINGOAKCAP ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I sent a letter asking for an investigation of the validity of what the company is reporting to agency. Equifax responded with the same missing information. Missing information from the payment history questions the validity of the account making this particular account incomplete in the manor it is being reported. This suggest Equifax did not verify the account per my request.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer Services and unfair practices. This violated the Consumer Financial Protection Act. Specifically, Cash App failed to timely address fraud measures on their app. My account was left vulnerable and unprotected. When trying to dispute, Cash App was unfair and deceptive. These actions have caused significant financial loss and inconvenience. I see appropriate redress.
Product: Debt collection

I have been receiving threatening phone calls from Windham Professionals despite the fact that my XXXX account is paid and up to date.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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: Debt collection

This is XXXX XXXX. My Social Security number is XXXX. On XX/XX/XXXX, I checked my credit reports generated by XXXX XXXX and XXXXXXXX and discovered that I owed {$57.00} to a collection agency called CMRE Financial Services. I also discovered that CMRE had reported this amount as delinquent to the credit bureaus. I contacted CMRE by phone and was informed that a company called XXXX ( a provider of ambulance services ) had charged me {$56.00} for date of service XX/XX/XXXX. I explained to the customer service representative with CMRE that I never received a bill from XXXX nor from CMRE. When I asked CMRE to verify my mailing address, it was wrong in their system ( and, of course, wrong in XXXX 's system ) -- that is why I never received a bill from CMRE or XXXX, and why the debt was reported as delinquent to the credit bureaus. I should also mention that I was not contacted by phone or e-mail by CMRE or XXXX. My mailing ( and home ) address at the time was XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, CA XXXX. In CMRE 's system, there was a typo in my address, as follows : XXXX XXXX XXXX XXXX, XXXX XXXX. 

On XX/XX/XXXX, I paid CMRE the {$56.00} using a Visa credit card. The payment is listed as made via XXXX XXXX XXXX. 

( For the record, my current mailing address [ as of XXXX, XXXX ] is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. My current home address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. ) Because XXXX and CMRE had an incorrect mailing address for me, which resulted in my never receiving the bill, and as neither XXXX nor CMRE phoned or e-mailed me to make me aware of the bill, I strongly believe that the delinquency which thus came about, and which was reported to the credit bureaus, should be removed from my credit reports with XXXX, XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please discard the following items that are harming my credit. 
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: Mortgage

My insurance Company stated that the XXXX XXXX XXXX is being Charged to me, The Condo is responsible for the Hazard insurance I have separate insurance, The Floods in my Multi Family Condo ALL have been caused by XXXX  XXXX and the Sump pump in their unit. and a leaking toilet in XXXX  XXXX, not my unit which is XXXX The XXXX XXXX XXXX XXXX has intervened in all of the occupants of the Condo are being charged to pay the Penalty charged by the Building Inspector Which is {$450000.00} to my knowledge NO one else is being charged as a hazard. My insurance already paid for all of my flooding, not the XXXX
Product: Credit card or prepaid card

I have a Citi Double Cash mastercard. Per Citi, the interest rate for purchases is 15.995 %. I mistakenly underpaid my XXXX statement by {$20.00}. I was charged {$22.00} in interest for this {$20.00} mistake on my XXXX statement. I called Citi to ask about the {$22.00} interest charge and they pointed out my {$20.00} mistake and agreed to remove the interest charge. I also then immediately paid {$100.00} to the Citi account to cover the {$20.00} shortage, and to make sure that any interest would stop accruing. I also paid my XXXX statement in full a week later ( before the due date ), then also received a vendor refund for {$210.00} before the XXXX statement due date, effectively meaning that my credit card account was overpaid ( i.e. the combination of my payments and vendor refunds was more than I owed to Citi. ) Yet, in my XXXX card statement, Citi charged another {$63.00} in interest charges. Citi representatives say that this is additional interest accruing on the {$20.00} underpayment from XXXX ; the representative says that even if the account is paid in full, Citi continues to charge interest for at least two additional months!. Citi refused to remove this interest charge. By my math, the two interest charges amount to more than a 2,500 % interest rate on the {$20.00} underpayment ( vs the purported 15.995 %, plus Citi 's initial claim that they would remove the interest from my account as I made a small mistake. ) It is criminal and/or unethical that Citi 's interest charges amount to >2,500 % annual rates, and that Citi continues to accrue interest for at least two months even after the account is paid in full!
Product: Checking or savings account

My Comerica checking account had no monthly account fee for the past few years, but now there is a monthly account fee of {$13.00} since XX/XX/XXXX. This sudden fee has caused my checking account to overdraft and now I have been charged multiple overdraft fees of {$6.00} each XXXX times since XX/XX/XXXX. I called the bank and was told to call my local branch. I have called the XXXX XXXX Comerica XXXX XXXX XXXX to have the account fee taken off my account, and the overdraft fees removed. They ignored my requests and each time I call they say they are working on it, but it has been a few weeks and the problem is still not fixed and my account is still negative. I should not be being charged a monthly account fee because I am still a college student and the account agreement says that the monthly fee is waived for current college students.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Bank account XXXX XXXX XXXX account XXXX I am disputing these fraudulent bank accounts that was open in my name for the third time with Early Warning services upon the investigation these accounts was blocked because of fraud But the the month of XXXX they have been rescinded back into my early warning services report. Early warning need to realize these companies did not do a fully investigation and so did early warning services. Early warning services clearly violated the fair credit laws that retaining about fraudulent accounts. I have submitted more evidence which I'm mailing off on XX/XX/2023 to block these fraudulent accounts again. Please pay attention to the signatures of mine to these companies which does not add up to mine during this fraudentlent incidence.
Product: Debt collection

There is an account showing on my credit report for commercial acceptance company. the amount is {$600.00}. This account is not my account. I am not responsible for this payment. They have not been willing to provided me with the information that I have asked for. such as, CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable.

Date of original charge off or delinquency.

Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

with that being said I will not be taking ownership of this account and would like it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose so XXXX XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXXXXXX XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and I didnt give them permission to do so.
Product: Checking or savings account

when I was searching for a rental house, I found one in which I was interested, someone emailed that it is his house and he relocated for a long-term job and want a responsible tenant to rent it. I agreed and signed a lease agreement and paid {$2200.00} by wire transfer on XX/XX/year>. After, I was waiting for keys and documents to be sent via XXXX, but I did not get them, when I contacted the landlord, I was told to pay {$980.00} first for last month rent, I did as listed in lease agreement. I was given a tracking number for package and the website to tack that number, but the package looked to be on hold and the website said " On hold please contact the sender for assistance ''. I contacted the landlord, he told me that he will contact the shipping company and I also emailed the shipping company asking what going on. The company emailed back asking me to pay for insurance and XXXX so that they can deliver. I refused it and realized that this may be scam.
Product: Vehicle loan or lease

I am writing to dispute the validity of the debt associated with the account referenced above. Pursuant to 15 USC 1692g ( a ) ( 2 ), I request that you provide me with the name of the creditor of this account. Additionally, in accordance with 15 USC 1692g ( a ) ( 1 ), I request detailed information regarding the alleged debt, including the amount owed and how it was calculated. 

Account Details : High Balance : {$34000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5600.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Auto Financing Account Status : Closed Payment Status : Collection/Chargeoff I am also requesting validation of the amount of the alleged debt as per 15 USC 1692g ( a ) ( 1 ). Please provide a breakdown of how the amount was calculated, including any fees, interest, or charges applied. 

Furthermore, I request that all reporting agencies associated with this account provide verification of the debt. I understand my rights under the Fair Debt Collection Practices Act ( FDCPA ) and expect full compliance with the law. 

Please note that this is not a refusal to pay, but a request for verification under the FDCPA. Until this matter is resolved and the debt is verified, I request that all collection activities, including reporting to credit bureaus, be suspended. 

I appreciate your prompt attention to this matter and expect a response within 30 days as required by law. Failure to provide the requested information within this timeframe will result in further action to protect my rights under the FDCPA.
Product: Credit reporting or other personal consumer reports

I have attempted to dispute this item for the last ten months. My XXXX XXXX card account has been reporting that my account was negative in the month of XX/XX/2023. My account was NOT to my knowledge late in the month of XX/XX/2023. I have requested for proof that no payment was made on this account and the administrator of XXXX XXXX card services has been unable to provide this information. I have disputed this information with all three credit bureaus, Experian, XXXX, and XXXX. All bureaus have stated that this is verifiable information however when I ask for the documents used to verify I receive no response.
Product: Debt collection

4 years ago now XXXX reported debt to genesis recovery about a debt i do not owe. They took my security deposit which was enough for my last month rent. They try to charge me fees for carpet, something they have to repair, maryland law does not allow landlords to charge for normal wear and tare. They made up trash replacement over {$100.00} and sent this to a debt collection agency that has been adding interest on this debt and reported to my credit. I asked genesis for proof and how this debt is mines and they sent me my lease that is not proof, just because you have a lease does not show proof of carpet replacement and trash removal and rent owe. They would have evicted me if i owe rent and took me to court. They did not show me valid proof that this is actually true, they are going off word to mouth from XXXX which is illegal. The debt agency has been reporting to my credit hurting my credit after i have told them multiple times this is not my debt, they also have been harrassing me over and over a whole 3 years later which is also too late to collect on a debt. XXXX has not sent me this debt when i moved out, this is retaliation because i got into a small dispute with the office manager at XXXX apartments. Everything the debt collector and udr is doing is illegal. I will continue to report and call all credit agency 's until they remove this debt. They also can not add interest when i did not validate it is my debt.
Product: Debt collection

Received XX/XX/2017 collection notice from Southwest Credit Systems, L.P. for {$120.00} debt w/XXXX. I 've called & written telling them this is n't mine & even contacted XXXX to verify. They 've continued to send notices & it 's now on my credit report. I 've reported them to PA Attorney General receiving a file number & w/the FTC whereby I 've received a reference number. I want this stopped and removed from my credit report.