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

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX XXXX XXXX  XXXX 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

ccording to FCRA 605B, any incorrect accounts must be removed from my credit report. This account is being reported incorrectly, so please delete it from my credit file. I am entitled to {$1000.00} for each incorrect report on my credit file.
Product: Mortgage

We have been pressured by Webster to go along with their requirements in our short sale although we were able to show hardship thru divorce and loss of income. Despite our attempts to work with them, they would not budge. They told us if we did n't make a decision in 24 hours they would take us to court. Although it would strain us, we agreed from fear. Once we agreed, we sent them a money order immediately and signed the agreement. It has now been a month and they have not fulfilled their obligation. Our short sale is in danger of falling thru and we would be forced into bankruptcy.
Product: Credit card or prepaid card

I received my XXXX  MasterCard on XX/XX/2021 after I actived it, I can not registered it or use it, it is not working, it said it is not supported or code is not valid, I called like 6 or 8 time to fix it, they are acting like I have a hacker that is using my XXXX MasterCard account and want to manipulate me, making me believe that After the card is active client have to wait few day to use the card. 
That happened with others ebay card but I cancelled rapid. But it is too much stealing my information to control the account, someone name XXXX said that my is restricted too.
Product: Credit reporting or other personal consumer reports

Incorrect name
incorrect addresses
FRAUD NOT ME NOT MINE PLEASE REMOVE
Credit bureau reporting 
XXXX XXXX
POTENTIALLY NEGATIVE
Balance
Balance updated XXXX
POTENTIALLY NEGATIVE
Balance
$XX/XX/XXXX
Balance updated
XX/XX/2024 XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024 XXXX XXXX XXXX  POTENTIALLY NEGATIVE
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updated
XX/XX/2024
XXXX
Balance
Balance updated
XXXX XXXX XXXX XXXX
POTENTIALLY NEGATIVE
Balance
$XXXX
Balance updatedXX/XX/2024
XXXX
LATE PAYMENT
Balance
Balance updated
XXXX XXXX
Balance updated
Collections
XXXX XXXX XXXX
Original creditor
XXXX XXXX XXXX XXXX.
Balance
$XXXX  Balance updated
XX/XX/2024
XXXX XXXX XXXX
Original creditor
XXXX XXXX
Balance
$XXXX
Balance updated
XX/XX/2024
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block inc ) due to inadequate customer service and unfair practices, which violate the customer Financial protection act ( cfpa ) specifically, cash app failed to timely and effective measures to prevent and address fraud on there platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution requirements was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic fund transfer act ( EFTA ) and Regulations E. There's actions significant inconvenience and Financial loss and I seek appropriate Redress for the violations.
Product: Debt collection

I am writing to express my dissatisfaction and concern regarding the debt collection attempts made by Transworld Systems Inc. ( TSI ) in connection with an account associated with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I received a response to my debt validation letter, which was sent by certified mail on XX/XX/2023, dated XX/XX/2023, and I would like to bring to your attention the inadequacies in the information provided. 

In my debt validation letter, I specifically requested details about the authority to collect the debt. However, the response from TSI did not provide any information in this regard. To facilitate a meaningful discussion about the debt, I would appreciate your prompt attention to the following questions : I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, kindly provide the reason for not having one. If so, please furnish the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address, and telephone number of the state agency issuing the license. 

Furthermore, I would like to highlight that TSI has added its own personal interest charge to the debt, resulting in an inflated amount. It is my understanding that adding personal interest charges is illegal. The principal amount owed to XXXX was {$1300.00}, and according to the debt validation letter, the current amount owed is now {$2400.00}. 

I insist that TSI rectify these discrepancies and provide the necessary information in compliance with debt collection regulations. Failure to do so may result in legal action to protect my rights as a consumer. 

I request that you address these concerns promptly and provide a detailed response within 30 days from the date of this letter. Your cooperation in this matter is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion should not be reporting that I am ( 60 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX In accordance with Fair credit reporting act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
THE FOLLOWING XXXX ACCOUNTS # XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX {$510.00} XXXX XX/XX/XXXX {$500.00} XXXX XX/XX/XXXX {$830.00} XXXX XXXX XXXX XXXX : XXXX XXXX {$91.00} XXXX XXXX {$75.00} XXXX XXXX {$75.00} XXXXXXXX XXXX XXXX XXXX : XXXX XXXX {$170.00} 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 [ 5 ] SEC STATES ; NOCONSUMER REPORTING AGENCY MAY MAKE CONSUMER REORTS CONTAINING ANT OF THE FOLLOWING ITEMS OF INFOMATION ANY ADVERSE ITEM OF INFOMATION, OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 7 YEARS.

15 U.S.C 1681S-2 [ A ] [ 1 ] A PERSON SHALL NOT FURNISH ANY INFOMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFOMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : SS # : XXXX Good afternoon : I have reviewed my credit file and there are several discrepancies that need to be updated immediately beginning with my XXXX XXXX- there 5 accounts that show " potentially negative '' with a XX/XX/XXXX date that I am certain have been hacked along with several others that show this date. Now, these accounts have never been more than " in good standing ''. I called XXXX today and they indicated they have never changed the status of my accounts so I am asking that this information be changed to report correctly. 

XXXX account is a third party collection agency. The original account is almost 25 years old ( XXXX ). Please remove it immediately. 

XXXX XXXX - ( XXXX  XXXX ) was included in a past bankruptcy and should not be on my credit file at all. 

XXXX IS A SCAM -- REMOVE IT NOW. 

Lastly, the credit bureaus are not reporting accurate information as I received an email stating my credit XXXX score increased and within an hour Experian aimed back that it changed. This has been going for months sometimes the score drops more th. XXXX points. How? Is that possible when I've never seen more than XXXX point increase. Not just experian... XXXX and XXXX too. 


If you have any questions, please contact me at XXXX. Furthermore, if these requests require disputes -- I am disputing them and they should be resolved in a timely manner. 

Thanks, XXXX XXXX XXXX Confidentiality Notice : This e-mail message is intended for the recipient named above. The information contained in this email is confidential and/or proprietary to above mentioned parties.The information transmitted herewith is intended only for use by the individual or entity to which it is addressed. If the reader of this message is not the intended recipient, you are hereby notified that any review, retransmission, dissemination, distribution, copying or other use of, or taking of any action in reliance upon this information is strictly prohibited. If you have received this communication in error, please contact the sender and delete the material from your computer.
Product: Debt collection

I got a letter from Wakefield and associates stating I owed a debt to XXXX XXXX, llcin the amount of {$1800.00}. I have no idea who this company is so before I agree or disagree to it I need further information as to what or who I owe this money to and for what reason do I owe it back in 2007 I filed bankrupty and since then I owe nobody nothing. 

Sincerely, XXXX XXXX
Product: Debt collection

Each company, XXXX XXXX and Paramount Recovery have reported the exact same debt twice ( {$720.00} ) on my credit report. I disputed and XXXX took it off. I have no knowledge of the debt to begin with because I had insurance at that time ( XXXX ) which covers 100 %. The same is true for the other amount of ( $ XXXX+ ) XXXX found that this was not valid and took it off. I believe they did on XXXX too but then it pops back up as a brand new collection after taken down. I do not owe those companies for anything as they have not provided any service to me. I feel I am being harassed by companies trying to ruin my credit.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Macys- Citibank N.A . due to unethical credit reporting practices. 
I received notification that Macy 's incorrectly placed a 30 day late on my credit report for XX/XX/XXXX. I contacted Macys via telephone on several occasions to have this corrected and it was not. While my balance was paid in full, Macys added additional interest charges in XX/XX/XXXX for {$2.00}, which was then submitted to the credit bureaus as a 30 day late for not paying an interest charge which did not appear on my statement at the time of payment in XX/XX/XXXX. 
I contacted Macys on XX/XX/XXXX to have my store credit card closed. I submitted final payment on this account to pay the balance in full. I received notification from Macys that the account was in fact closed in XX/XX/XXXX. I received a statement from Macys on XX/XX/XXXX, indicating that a {$2.00} interest charge was added to this closed account on XX/XX/XXXX. Why would a closed account still be receiving statements and a random interest charge of {$2.00}? I am filing this complaint hoping that you will investigate the unfair credit reporting practices for Macys - Citibank N.A. as I'm concerned that many consumers are falling prey to their predatory practices of unfair credit reporting and invalid interest charges. They charge accounts extra interest and then report it to the credit bureaus as unpaid or paid late. This is unfair to consumers.
Product: Debt collection

The late remarks listed is incorrect, there is a late 90 days with no prior late remarks on it. Also the date of last active is different from XXXX and XXXX.
Product: Debt collection

Not sure what type of company this is ( whether debt collector or not ) but they called me at XXXX XXXX at which time I was in a meeting. When I made it home I found out they called my husband, his ex-wife, my ex-husband, and my sister leaving a message that said they are calling to verify whether they have the correct address for me, for a pending matter and to avoid any further proceedings we need to contact XXXX Ref XXXX. When I contact the number I immediately asked for a supervisor and she went silent as if getting someone and I told my husband it did not make any sense they calling all over and she said, " We will call all over and whomever we want '', and then hung up the phone. I called back and again pressed 2 to get customer service and asked for a supervisor and the woman began trying to read off something at which I told her I do not want to hear anything because you have violated my rights and I would like to speak with a supervisor. She then proceeded to began to say how I will not talk to them raising my voice and I hung up the phone because it is apparent they this company is either so use to these tactics until they do n't know that they are wrong.
Product: Credit reporting

There is a judgment on my credit report that was dismissed. It should not be showing up. Attached is a copy of the documentation direct from the XXXX County Clerk of the Courts Office. 
I have written a few times but the credit bureau will not remove it. Please help, I am unable to get a mortgage approved because they will not fix it.
Product: Debt collection

To Whom It May Concern : I received a copy of my credit report and please remove any errors of my report. 
I am unaware of negative accounts on my report. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Thank you for your time and help in this matter. 

I have requested copies numerous times and have not receive anything in my mail. Please be advised if I do not receive anything I will move forward with suing. 

Thank you for your time and help in this matter.
Product: Debt collection

On XXXX of 2019 I was kidnapped out of my home in XXXX Virginia. A former landlord, who was told by three police officers and a judge that she can not evict someone from the home and who had violated landlord tenant law. Went to the magistrate, and swore out false allegations to get an emergency XXXX XXXX  order. I was dragged out of my house in XXXX and taken to XXXX XXXX XXXX XXXX, who immediatly released me, didn't look at me, provided no services, at that point I was escorted by the police to the XXXX XXXX who determined that the landlord, swore in a false complaint to complete an illegal conviction. I was not notified that they attempt to bill me for not being seen until it appeared on my credit report. I attempted to contact XXXX XXXX XXXX who threatened me. Told me " that they were a loud person '' and could get louder. They verbally abused me, and then hung up on me. They are trying to bill me for an illegal kidnapping, and medical care that I did not seek out or need. They are stalking me for a bill I don't owe during a global pandemic.
Product: Mortgage

XX/XX/scrub> 2024 Dear Sir/Madam, I am enclosing the following registered mail number : XXXX XXXX XXXX XXXX This is the number that was attached to an envelope that contained a securities instrument for credit to my mortgage account number XXXX XXXX XXXX. It shows received and accepted on XX/XX/year>2024 at NewRez XXXX XXXX XXXX XXXX, Texas XXXX. The account showed no credit for the said instrument. On XX/XX/scrub> 2024 and it was received and accepted on XX/XX/year>2024, I sent a second letter to New Rez asking to locate the securities instrument and find out if the account could not be credited with it then return the securities instrument back to its rightful owner. There was no response. The tracking number for that communication is XXXX XXXX XXXX XXXX XXXX. 
Next, I attempted communication again by sending a third letter dated on XX/XX/year>2024 and arrival on XX/XX/scrub> 2024 tracking number : XXXX XXXX XXXX XXXX XXXX This letter was delivered and accepted by NewRez at their XXXX, Texas location. I have now come to the conclusion that NewRez has not honored my request to locate and return my securities instrument and respect my rights as a customer. In addition, the requested XXXX XXXX was never supplied. Lastly, I have submitted a XXXX XXXX XXXX claim for this lost security tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 

Regards, XXXX XXXX
Product: Checking or savings account

Our company sold merchandise to a person who may have used a fraudulent credit card. 
XXXX XXXX, the credit card processor, tried to withdraw {$3200.00} from our account as a chargeback. After I called them, they said they were going to send us a notice. We had run the charge on their machine, and gotten a copy of the purchaser 's credit card and driver 's license, which we sent to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account XXXX XXXX XXXX- Account number XXXX XXXX XXXX  Account number XXXX. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from this bureau in over 60 days. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these 2 unverified accounts as of today. Thank you
Product: Debt collection

I am writing this through the CFPB so there is record of this communication. I am claiming this debt is not one I owe and I will go to court over this appears on my credit, I am already taking the credit agiencies and XXXX companies to court and I doubt my lawyer will turn down adding XXXX more company. There are XXXX reasons I do not owe The Art Institute any money, the first reason is that I withdrew from the college within the time frame allowed to cancel a contract making it void and the second reason is that The Art Institute never informed me that they were closing schools down due to lawsuits and even under investigation for the same degrees they offered at this school. Is it not the duty of an institution like a for profit college when they are closing schools for a degree I was going to attempt. I never received a single bill from the Art Institute notifying me that I owed anything or I would have tried to deal with them but now I am dealing with you since you are representing them. I will have no give in this issue, drop it for the reasons stated or we go to court.
Product: Credit reporting or other personal consumer reports

I had my identity stolen. Someone opened accounts using my name, address, phone number, social security number, and banking information. I called all three credit agencies and asked them to put a freeze on my account and to send me my reports. That was in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again last month, XX/XX/XXXX. 

The identity thief lives in my apartment building and has been stealing my credit reports. My landlord and the XXXX Police Department won't do anything about it, they don't believe me. Neither will the USPS because the mailboxes are in the apartment building ( XXXX XXXX and XXXX XXXX in XXXX, ND ) since the mailboxes are on their property, it's not the USPS responsibility to make the mailboxes safe and secure. 
Regardless, I need my credit reports- especially from Equifax. That is the credit report that shows all of the fraudulent accounts.
Product: Student loan

They have reported false information about my credit reports and im prepared to sue if necessary to get this off my credit reports!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not unlock my Equifax credit report. I have tried to unlock it through Equifax 's Lock & Alert with no luck again today. I contacted Equifax today and the Office of Consumer Affairs states that my credit report is under review and will be unlocked within two months. This is absurd. This is my financial information. My life. I receive alerts. If there was a concerning problem with my account, I'd let them know. I want access to Lock & Alert. It's my private information they're withholding.
Product: Debt collection

I offered to pay XXXX $ a month til it was paid. The debt is XXXX $ and only a month old They are demanding full payment by XX/XX/XXXX and the debt is only 45 days old by XX/XX/XXXX
Product: Credit card or prepaid card

Barclay MasterCard. I was solicited by Barclay for a 0 % APR on purchases made starting XXXX, XXXX until XXXX XXXX. Once I accepted the offer, which was in a pop-up box, the terms were no longer viewable. I received no confirmation with terms, I can not see terms on their website, terms are not viewable on my credit card statement. 
I had a balance of XXXX before the promo began I paid XXXX in full on XX/XX/XXXX bringing my balance to XXXX I then made a charge on XX/XX/XXXX ( the first day of the promo ) for XXXX. 

My current statement dated XX/XX/XXXX shows a balance of XXXX, minimum payment due of XXXX. Unfortunately in the Interest Charge Calculation section, it states that XXXX will be subject to 14.99 % APR if I carry a balance, and XXXX will be subject to 0 % APR. Those two figures total XXXX. So my understanding is if I only paid the minimum payment of XXXX, I would be subject to 14.99 % APR on a portion of the balance carried. 

I called the toll free number for clarification on XX/XX/XXXX and the first rep I spoke with could not answer the question. I then spoke with her manager XXXX in XXXX, NV who actually stated " I don't know ". 

I feel as though I have been tricked. 
My balance was XXXX on XXXX XXXX. I made no new charges until the 0 % APR promo offer began on XX/XX/XXXX. 
So now I'm forced to pay my entire bill, instead of enjoying the 0 % APR that was promised.