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

This is a violation of my rights to furnish this on my credit file. It's a closed account with a balance..unheard of...
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with XXXX XXXX XXXX XXXX XXXX for a credit card on XX/XX/XXXX this account was paid in full and closed on XX/XX/XXXX. It was closed in good standing with a balance owed of {$0.00} On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reported this credit card account ( # XXXX ) as XXXX days past due with a balance due of {$0.00} I contacted XXXX XXXX on XX/XX/XXXX and was told to file a dispute with them via docusign. I did so and received a letter stating they can not find this account in their system. I received 2 letters stating this last week. 
Today, XX/XX/XXXX I have spent 2 hours being transferred with representatives at XXXX XXXX XXXX XXXX XXXX and they still say they can not resolve and/or find this account. The account is showing derogatory and delinquent on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported 5 times that the accounts from Barclays Bank Delaware, XXXX XXXX/XXXX   AND XXXX XXXX XXXX and XXXX XXXX was not opened by me. I have tried to dispute these matters multiple time. I am XXXX years old and I am trying to build my credit. The only thing on my credit that should have been authorized by me is my student loans and my XXXX   XXXX XXXX checking account. Everything else is False and my parents tried to open in my name.
Product: Credit card or prepaid card

In Accordance with the Fair Credit Reporting Act XXXX Acct # XXXX has violated my rights. 
15 U.S.C 1681 section 602A States I have the rights to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

Mortgage company Ditech continue to escrow home owner insurance and send payments to the insurance company when I requested them not to do so and the company approved my request not to escrow home owner insurance. We pay our own home insurance for the year beginning XX/XX/2018, yet they have escrowed and have sent a check to the insurance four times between XXXX and XX/XX/2018. The latest was XX/XX/2018 I received an email from the mortgage company on XX/XX/XXXX, that they sent a check to the insurance company in the amount of {$1400.00}. 

This is my second complaint on the company since XX/XX/2018. The mortgage company response to your agency and to me is that they corrected the problem but the same issue happen again right after they sent out that communication that they corrected the issues.
Product: Checking or savings account

Im supposed to receiving a cuny direct deposit because im going to college and I have direct deposit with capital one and there withholding my money.I was supposed to receive my money on XX/XX/year> and idk how im finna pay for my books since the semester is starting.All together im supposed to be receiving {>= $1,000,000} from XXXX  and XXXX from a school program im in.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 section 2 : It also states a consumer reporting agency can not furnish a account without any written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX IL ) XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestigate these accounts : XXXX XXXX XX/XX/XXXX they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same.. 
and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
and according to 15 USC 1681s-2 this os suppose to happen ( 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 the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Transunion really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Debt collection

XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX Virginia. 
The property was infested with Rats, Roaches and Mice. 
The parking garage had cars set on fire nightly. 
2 women were XXXX in the parking garage. 
XXXX presented to me that the property was safe and clean. 
I stayed in the property from XX/XX/2018 and vacated by XX/XX/2018 I reported these issues to the leasing department Several times. They did nothing about it. 
Rats ran in the hallways, it was a horror story. 
I paid my rent and paid for the month of XXXX as advised by the leasing manager. He advised they would keep my security deposit and he would call the situation a wash.

The Manager lied to me and did not report my payment for XXXX. 
XXXX XXXX was the owner but they sold the building in XXXX to a company XXXX. 
Both XXXX and XXXX XXXXl have no record of my holding a dept as XXXX XXXX no longer owns the building. 

A debt collection company Fair Collections Outsourcing is fraudulently reporting to the credit bureaus that I owe this debt and I do not. I have never been contacted by Fair Collections via phone or in writing is falsely reporting that XXXX XXXXXXXX  still hold the debt and they do not. XXXX does not know who I am and does not have a record of my holding a debt. 

I was a XXXX resident at that time. 

Please assist me. These people are ruining my life with false reports on my credit report
Product: Prepaid card

I have tried to use the gift card at multiple locations both online ( XXXX, XXXX ) and in store ( XXXX XXXX, XXXX ) and each time its declined. I tried talking to AMEX and they said its accepted everywhere and just try a different store.
Product: Debt collection

CHAPTER XXXX WAS FILED XX/XX/XXXX AND WAS DISCHARGED AFTER COMPLETING PAYMENTS ON XX/XX/XXXX.  APPROXIMATELY 2 MONTHS AFTER THE DISCHARGE, I STARTED RECEIVING HARASSING PHONE CALLS AND LETTERS FROM XXXX XXXX XXXX XXXX, XXXX XXXX DEMANDING I OWE AND MUST PAY A DEBT OF {$5200.00} FROM DISCOVER CREDIT CARD. I MAILED XXXX AND DISCOVER COPIES OF THE FILED CLAIM FOR DISCOVER AND THE LETTER OF DISCHARGE. I HAVE CONTACTED THE ATTORNEY WHO HANDLE MY CHAPTER XXXX CASE AND HIS ASST TOLD ME THIS IS NOT AN ACCURATE ATTEMPT TO COLLECT. SHE STATED I HAVE SETTLED WITH DISCOVER AND THIS IS A THIRD PARTY COLLECTOR FALSELY ATTEMPTING TO COLLECT. THERE IS NO RECORD ON MY CREDIT REPORT TO DATE ( XXXX XXXX ) SHOWING ANY HARD COPIES OTHER THAN THE HISTORY OF THE CHAPTER XXXX, IN FACT IT LISTS DISCOVER AS A XXXX BALANCE AND ACCOUNT CLOSED. I AM TIRED OF BEING HARASSED BY XXXX AND THE UNDUE STRESS AND ANXIETY THEY ARE CAUSING ME IS UNNECESSARY.
Product: Checking or savings account

Back in XXXX many unauthorized charges we made to my account with credit karma. Informed them of this the XXXX week it happened. They were international charges. they told me to file a dispute on each transaction. So I did and locked my cards. The fallowing week on my pay day I sat at a golf outing for work and watch as some hackers kept charging my account again even though my cards were locked and credit karma was awear of the situation. They did nothing except tell me to file a claim and this time froze my account this resulted in 22 claims I had to file plus be broke because even I couldn't access my account. I had bills to pay that I could not. Had to take a loan out to get buy because it took them 3 weeks with me calling ever day til I could get my funds back. It was over {$700.00} in cash. But even more with late fees I had to pay and a loan I had to talk out.
Product: Credit reporting or other personal consumer reports

I DISCOVERED A BANKTRUPTCY REPORTED TO ALL THREE MAJOR CREDIT BUREAUS ; EQUIFAX, XXXX AND XXXX. WHEN I TALKED TO CUSTOMER SERVICE AGENTS AT AII THREE CREDIT REPORTING REPORTING COMPANIES, THEY EMPHATICALLY STATED THAT THE US XXXX XXXX REPORTED DIRECTLY TO THE COURT. BUT I WROTE A LETTER ( XXXX ) TO ALL THREE CREDIT REPORTING COMPANIES ASKING FOR AN EXPLANATION. THEY STATED THAT THE REPORT WAS CERTIFIED BY A COMPANY. WHOM, THEY DID NOT ANSWER LEAVING ME TO ASSUME THAT THE XXXX XXXX DID INDEED REPORT DIRECTLY TO THEM. 
SO I WROTE TO THE BANKRUPTCY COURT ASKING FOR A WRITEN CLARIFICATION. THE COURT WROTE BACK THAT THEY DO NOT REPORT TO ANY CREDIT REPORTING COMPANIES. THEREFORE THE CREDIT REPORTING AGENTS VERBALLY LIED. 
WHEN I CHALLENGED XXXX, XXXX AND XXXX VIA THE COURTS REPLY, XXXX DELETED THE BANKRUPTCY. XXXX AND EQUIFAX HAVE REFUSED PER AN UNDISCLOSED CERTIFICATION CRITERIA AND DESPITE THE COURTS POLICY. 
I BELIEVE THE GOVERNING POLICIES SHOULD BE CONSIDERED : FCRA SECTION 611 ( 15 U.S.C.1681 ) PROCEDURE IN CASE OF DISPUTED ACCURACY FCRA 623
Product: Debt collection

I am formally writing to advise you that I believe your company has violated several of my rights. Specifically, you failed to validate a debt at my request on XX/XX/XXXX which is an FDCPA violation and you continued to report a debt to the Credit Bureaus to date XX/XX/XXXX : another FCRA and FDCPA violation. Not only have you ignored my requests for validation of debt but you continue to report this inaccurate debt to the Credit Bureaus XXXX XXXX and XXXX ) causing damage to my character. According to the FDCPA 15 USC 1692 g you must send in writing within five days of the first communication with the consumer about the debt and must include a statement that the consumer must respond within 30 days ( you did not provide it to me ) Within 30 days of receiving the validation notice, of the consumer disputes on writing any portion of the debt, the collector must STOP all collection efforts ( you did not ). The collector must also provide the consumer with the name and address of the original creditor ( they did not ) and current creditor. And because you had a duty to speak and failed to do so therefore, that must mean you agree with me that this debt is false.
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/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or 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: Checking or savings account

I sent a {$15000.00} XXXX check to my US checking account, Pentagon Federal Credit Union, with the required special international form on XX/XX/2021. It was sent registered and signed for on XX/XX/2021 at XXXX. The funds have yet to be deposited into my account. I have called numerous times, and have been told the funds need to go to a 3rd party, XXXX XXXX, and it could take 4 to 6 weeks. My XXXX account informed me the check was cashed XX/XX/XXXX, but as of today, the funds have not been deposited into my checking account. I have no clue where my money is, and who is collecting interest on my funds.
Product: Debt collection

My car was purchased XX/XX/XXXX and up to date on all payments when it was illegally towed XX/XX/XXXX and was under a hold by another party and could only be released to j.d. byrider I contacted cnac the company I was forwarded to by byrider and they told me a letter would be coming from byrider and cnac about how to go about the process or the car would be sold Ive never received a thing and this was XX/XX/XXXX. The car has been sold but its still affects my credit for the full car price.
Product: Debt collection

PORTFOLIO RECOVERY A ( XXXX XXXX XXXX ) {$1000.00} and XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX CARD ) {$340.00}. have been reporting to my credit report. I have never opened account with XXXX XXXX and XXXX XXXX. I have called and no response. I have a FTC Affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report. Please find the ATTACHED documents to assist in the deleting of the erroneous information which are being posted to my report. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX  Opened XXXX XXXX, XXXX XXXX  Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXXXXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place that constantly kept sending me stuff. I suspected identity theft. I took a look at my report, and there was several things that I have never opened before or seen. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX {$3600.00} XXXX XXXX   XXXX XXXX {$690.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$130.00} XXXX  XXXX {$60.00} XXXX XXXX {$73.00} XXXX  XXXX {$89.00} XXXX  XXXX {$88.00} XXXX  XXXX {$120.00} XXXX XXXX {$240.00} XXXX XXXX XXXX XXXX {$160.00} XXXX  XXXX {$49.00} XXXX  XXXX XXXX {$680.00} XXXX XXXX {$360.00} XXXX XXXX  XXXX {$790.00}
Product: Debt collection

in pursuant to the Fair Debt Collection Practices Act, 15 U.S. Code 1692 - Congressional findings and declaration of purpose, whichestablishes ethical guidelines for the collection of consumer debts. The debt collector failed to provide information Detailing the Amount and Age of the Debt You must provide a complete, itemized account of the debt you claim I owe within XXXX ( XXXX ) days of receipt of this letter. This complete and itemized evidence of the account must include, not limited to : The complete and signed contract for the debt obligation, the subject matter of this dispute ; An itemized statement of the money owed and how the calculated amount was concluded, Copies of any and all documents that show evidence I agreed to pay the amount claimed I owe, Identity of the original creditor, Identity and accuracy describing any third-party costs justifying any other charges, under,15 U.S.C. 1692b, Provide an affidavit stating the statute of limitations has not expired on this account. Information on Authority to Collect the Debt, as requested in the Verification of Debt Letter. The debt must be removed as the debt collector is in violation of the Fair Debt Collection Practices Act,15 U.S. Code 1692. 
The XX/XX/XXXX letter states a balance of {$760.00} and the XX/XX/XXXX letter states a balance in XX/XX/XXXX of {$760.00}, {$700.00} in payments received but a {$760.00} balance still owed in XX/XX/XXXX and no itemized billing statement sent.
Product: Debt collection

On XX/XX/2019 I was illegal served a summons on behalf of XXXX XXXX XXXX. The summons was placed at my apartment gate exposing personal information to neighbors and the general public. This is after I have written to the credit reporting agencies asking XXXX to verify this debt.
Product: Debt collection

I NOTICED SOMEONE APPLIED FOR SOMETHING IN MY NAME THAT I DID NOT AUTHORIZE
Product: Money transfer, virtual currency, or money service

SQUARE HAS HELD OVER {$30000.00} IN REVENUE HOSTAGE, TWO SEPARATE TIMES FOR ABSOLUTELY NO REASON OTHER THAN THE FACT THAT THEY SEEM TO BE FUNDING LOANS WITH STOLEN MONEY FROM AMERICAN BUSINESSES. NO CUSTOMER SERVICE IS PROVIDED, THEY DEACTIVATE YOUR ACCOUNT WHILE THEY HOLD YOUR REVENUE HOSTAGE AND THEREFORE NO PHONE CALLS ARE ACCEPTED AND THEIR EMAILS ARE GENERIC STATING THAT THEY ARE NOT OFFERING ANYMORE INFORMATION BECAUSE THIS IS A FINAL DECISION. THEY CLAIM MAYBE YOU WILL GET YOUR MONEY BACK AFTER 90 DAYS BUT MOST COMPANIES REPORT THAT THEY NEVER RETURN THE STOLEN MONEY
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I searched for a credit card, online, to consolidate my debt. I needed at least a {$10000.00} credit card. Only offers I found was one from XXXX XXXX for {$3000.00} and one from bank of america for {$3000.00}. I could only choose one. Being of insufficient amount I declined to apply for either one. On XX/XX/XXXX, bank of america deposited {$3000.00} into an existing XXXX XXXX credit card account I currently had for about a year. The deposit was made without my consent, knowledge or approval. I only found out it existed when bank of america sent me a bill for my first payment on XX/XX/XXXX. I called b.o.a. at least six times over the course of the next three months to no avail. They closed my account but still continued to not only bill me but since I refused to pay them they charged late fees. It has affected my credit rating drastically. I also contacted XXXX XXXX. They explained they often accept deposits from other financial institutions. I need help. I am about to pay off b.o.a. But before I do I would like to discuss this.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

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
Product: Mortgage

XX/XX/2022 - I was notified by Wells Fargo Home Mortgage ( XXXX ) that there was not flood insurance on my property XX/XX/2022 - I was notified that XXXX would place Lender Placed Flood Insurance ( LPFI ) on my property XX/XX/2022 - XXXX made a phone call to XXXX agreeing to LPFI on my property at a cost of {$1800.00} annually. I was given an opportunity to either pay it up front or have it escrowed into my mortgage payment. I was told that {$1800.00} would be escrowed and divided over 12 months at a rate of {$150.00} extra/month. I agreed to this over the phone. I was never given any kind of paperwork to sign regarding this agreement. 
XX/XX/2022- XXXX insurance policy sent to my home XX/XX/2022 - Escrow review statement sent to my home stating that the actual escrowed amount was {$4600.00} at a rate of $ XXXX added onto my mortgage payment. 
XX/XX/2022- XXXX mailed to my home from XXXX regarding my complaint of the {$4600.00} escrowed amount. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX in reponse to my XX/XX/2022 letter stating that there was no error on their part. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment. 
XX/XX/2022- XXXX from XXXX stating that there was no error on their part. 
XX/XX/2022- XXXX sent to XXXX stating that I agreed to {$1800.00} to be escrowed to my account, not {$4600.00}. XXXX mortgage payment included in the correspondence with the agreed upon monthly escrow amount of {$150.00} added to that payment.