23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
I C SYSTEM INC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C. 1692 ( G ) Section 809 ( B ). THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by I C SYSTEM INC. Please be advised that providing a memorandum or other statement from your agency, stating that I C SYSTEM INC the assignment of the account was transferred shall be deemed insufficient. Failure to substantiate the claim, please settle the accounts immediately and cease and desist all communication and have these trade lines deleted from my consumer report. PLEASE BE ADVISED THAT YOUR ARE IN VIOLATION OF MY CONSUMER RIGHTS AND THE FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received credit monitoring alerts that my credit score was impacted at Experian, XXXX and XXXX due to remarks placed on my XXXX XXXX XXXX Loan accounts. I contacted all four parties involved and each are pointing the finger at the other party. My student loans are under a Nationwide Administrative Forbearance until XX/XX/2020 due to COVID-19. I called all four organization in XXXX and XXXX of 2020 and each month my credit score has dropped XXXX points. This is unfair and I would like my credit score to go back to what is was prior to the remarks on my student loan account. I also do not want to have to contact them every month about my credit file being impacted.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I was alerted by XXXX XXXX that my score dropped by XXXX points. Upon reviewing I saw a new loan reported by Esusu, an optional program provided by my apartment complex offering to report my rent payments to the credit bureau. I did not opt-in to this program nor did I agree to any of their terms and conditions. No where in my lease terms does it stipulate that I would be automatically enrolled in this program. Esusu has ceased all communication upon my request for them to contact the credit bureaus and have all information removed from my account as it was unlawfully reported without my consent. I have filed disputes with the credit bureaus affected and am awaiting a verdict on my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

late payment IN XX/XX/2022 that XXXX  XXXX XXXX  account # XXXX This is my second time reaching out about this incorrect late payment that is clearly unfair!!!!! This late payment dropped my credit score XXXX points, now my home loan is on a hold due to this false inaccurate reporting. I have always made onetime payments. I have never been late! This is completely unfair. I never imagined this can happen to anyone. This is not just inexcusable but totally unjustifiable. I demand it be updated to PAYED AS AGREED AND NEVER LATE! 

TRANSUNION INTERMEDIATE HOLDINGS , INC . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. Account # 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 an account without my written instruction. 

Following Accounts XXXX XXXX XXXXXXXX {$1600.00} No account number listed on report XXXX XXXX # XXXX # XXXX XXXXXXXX XXXX XXXX {$72.00} # XXXX XXXX  # XXXX XXXX XXXX XXXX {$16000.00} # XXXX
Product: Debt collection

I faxed a debt validation request to Meade & Assoc via fax on XX/XX/2021 and have not received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Recently I submitted identity theft investigations to all three credit reporting agencies Equifax, XXXX, and XXXX. After receiving confirmation that the XXXX account in all three reports was deleted because it was fraudulent the XXXX company keeps on reporting it again. I don't know what to do, and it's already been deleted and it keeps coming back. Can you please delete it again and inform XXXX that this is a fraudulent account and to not report it again please? 

Thank you, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Money was stolen everytime I had a dispute i couldn't talk to an agent
Product: Money transfer, virtual currency, or money service

I currently can not log into my Venmo account whatsoever. Each attempt is met with an error, as follows : XXXX Exception : Unauthorized action. 

I XXXX  this problem, and discovered that there are many other Venmo users struggling with the issue, and it has been ongoing for some of them as early as XX/XX/23. When those other users have contacted Venmo support, they have either been told nothing can be done or to try again in 24 hours. This is an inexcusable pattern that is clearly kicking the can down the road rather than addressing the consumer issue. They have not publicly reported this problem, and are not interested in helping users get access to their funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX, I sent a letter to ask for verification of payments on an account. To my surprise XXXX XXXX XXXX XXXX and Fed Loan re-added the account to my XXXX file and didnt notify me. According to the FCRA if anything is added onto my report I have to be notified within 5 days. They reported it twice on my XXXX and one was added without notice. The payments are all over the place and there is incorrect information being reported. I 've asked the Bureaus to verify and all I get are letters back saying they wont reinvestigate. The burden to provide verification is on them not me. Its my right as a consumer to have the proper information reported on my report. If the Agencies do n't investigate, they have taken my right away as a consumer. The only resolution is that these accounts are deleted off of all three Bureaus immediately. This has been nothing but a burden to my family and I. I do n't owe them anything. I just want it deleted. Thank you!
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT. THANK YOU
Product: Checking or savings account

Hello Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX XXXX and I am submitting a complaint on Branch Bank & Trust Financial institution. ( BB & T ) I began banking with BB & T after being transfered from an employee XXXX account during their BIG transfer. The situation began while I was working at a XXXX XXXX making about {$25.00} a night and began depositing my fund at the local atm by the XXXX XXXX. There were reports of people getting mugged and robvbed and even stabbed after work and I did not want to be one of them, so I began to deposit every last dollar I made. <P/>Before tips I made {$25.00} a night. I would buy a {$5.00} bus pass, {$10.00} phone card when applicable, {$3.00} breakfast at XXXX XXXX on a Bisquit and gravy. ( MMMMMM ) That was my routine. <P/>I did not want the Overdraft protection program and only wanted to spend what I had and stay away from overdraft fees due to my current job. I did not have direct deposit. This is why I DID NOT WANT THE OVERDRAFT PROTECTION AT BB & T BECAUSE THEY WILL HONOR THE TRANSACTION AND I WILL HAVE TO PAY IT BACK AND THAT WAS OUT OF MY BUDGET. <P/>Also, I later joined the BB & T at work prgram @ My new Employer XXXX. We, my training class of about 20, were promised an incentive of {$100.00} after 3 months of banking with the company. We have not recieved that!. Our personal banker, XXXX, promised us this on serveral instances. They have not since then honored their incentive program that they promised to serveral empoyees at XXXX. <P/>Please help us! <P/>With kindest regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

All Accounts in XXXX XXXX  XXXX have violated my rights. 

15 U.S.C 1681 Section 602 A : States that I have the Right to Privacy.

15 U.S.C 1681 Section 604 A Section 2 : Al states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer reports containing any of the following items of information that are any other adverse item of information, other than records of convictions of crimes which antecedates 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 other consumer reporting agency if the person has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, personal loan, or advance loan

My XXXX XXXX XXXX son obtained a title loan on XX/XX/XXXX from a company by XXXX  foans. The problem is I am the payee of his {$600.00} social security account and had no knowledge of the loan. He was working part time and intermittently with XXXX XXXX. My husband and I purchased the car for him in XXXX to allow him an opportunity to go to his PT job and he used it to taxi all of his friends from their jobs and home. 
I ( his mother ) learned of the debt early XXXX of {$390.00} per month. I set up a billpayer out of my bank account to keep the bill current and advised him he would pay back the loan monthly from his social security. Long story short : he hands me the phone and it is WIlshire Consumer Credit calling to advise me that my son 's car was being repossessed because he missed the XXXX payment. The amount that must be paid would be {$390.00} to stop the repossession. When I spoke to the lady on the phone she told me that his PAYOFF was {$3800.00} to payoff and clear the lien. My husband and I forwarded the money to them the next day XXXX  XX/XX/XXXX and they acknowledged receipt the next day XXXX  ( ( although the bill payer amount of {$400.00} had already been sent ). My son would never give us the paper work for the loan but he told us he than {$3000.00} - finally. This is when I realized this company had collected {$4200.00} -- or more than {$1200.00} for a loan that existed only 45 days. I was livid at this point. I demanded the paper work that he signed. He finally sent me a photo copy of his on line application on XX/XX/XXXX. 

This is what I received Lender : First Electronic Bank Borrower : my son Loan date : XX/XX/XXXX Loan No. XXXX Loan Maturity Date : XX/XX/XXXX Annual Percentage Rate : 156.55 % ( not a typo ) Finance Charge : {$15.00} XXXX Amount Finance : {$2900.00} Other charges were applied - Amount paid to Public Officials {$92.00} Loan Origination Charge {$140.00} There are an additional 10 pages of contractual statements including arbitration clauses which I am sure are favorable to the company. 

There is no way he had the credit to borrow nor was his income enough to support a {$400.00} loan payment. It is obvious that they found an incompetent individual begging for money who had no financial wherewithal -- all he owned was the car that his parents bought him. I want this company to return ALL of the money that I SPENT above and beyond the money that my XXXX  son borrowed. I want this company to face criminal charges for usurous loans. Even a loan shark would not charge interest at 156.55 % - this is a scam and an organized financial scheme to deceive borrowers who have NO KNOWLEDGE of financial affairs and only those who own a car and in this case a piece of a car. ( a XXXX XXXX ) But for parental intervention, the car would have been repossessed which in hindsight would have been the best solution to this problem- but there would be no guarantee that the company would not continue to pursue monies from our now XXXX  penniless son.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased a transact XXXX netspend prepaid debit card at XXXX. I loaded {$250.00} on card and paid the {$4.00} fee. I was unable to activate card. After speaking with a representative they said I would not be able to activate and would send me a check for {$250.00}. They refused to reimburse me the cost of card, even though I purchased it 10 minutes prior. I received the check but it is fir {$240.00}. They charged me to send a check after all this. It's only {$11.00} I'm out, but why should they keep funds when they declined to let me use card. Thank you any help.
Product: Vehicle loan or lease

If you make payments online the website constantly crashes before completing the transaction or is simply " unavailable '' & prompts you to call them. Calling to make a payment is a {$9.00} fee and they refuse to waive this fee although it is THE ONLY option they give you when website never works.
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed this account and it is still showing open and reporting to credit bureau as open. This account is closed because they kept lowering my credit limit using false information.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find inaccurate accounts on my credit report, and I have no idea why they are there. When I checked my credit report as I normally do, I was shocked to see discrepancies that came out of nowhere. I tried refreshing my browser, thinking it might just be a glitch, but the errors didnt go away. Im asking that the documents Ive submitted be carefully reviewed to ensure I never have to face this issue again.
Product: Credit reporting, credit repair services, 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 : 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 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: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX Balance : {$540.00}
Product: Debt collection

I canceled my subscription with this company and they continued to bill me and are trying to collect funds not owed.
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 and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

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

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  EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA 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, CA 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 after the date of receipt.
Product: Debt collection

We were supposed to move into XXXX XXXX XXXX on XX/XX/21 and they did not respond about the apartment being sanitized during Covid 19 Pandemic for the week prior. The apartment smelled like urine, and it was very dirty and was shown to us by a person named XXXX. 

This home is for the safety of our family as we have XXXX children. 

Instead XXXX sent us a bill for cancellation when this is completely their fault for not having a clean sanitized unit for us to move into. XXXX XXXX did not Sanitize the apartment, and I informed them that we can not move in until it is sanitized. I had called XXXX and XXXX numerously during the week and they did not respond at all. Instead of letting us know the apartment was clean and sanitized, they sent us a bill showing " cancelled after approval. '' XXXX XXXX showed us an apartment and misrepresented their services and deceived us into believing we could move in. Instead of sanitizing the apartment they used their companies paperwork to justify the charges on our credit card. 

Our credit card company also did not agree with what happened as we have provided the same information about what happened. Our creditor said that they can not charge you for something they did not provide, which is a clean apartment to move in to. 

These charges are deception, they did not provide us with clean apartment and when we called about it they did not respond the whole week prior, to let us know it has been cleaned/sanitized. We did not even have the keys ot the ability to inspect the unit prior also. 

XXXX had us do all the pre-qualification paperwork and just to steal our money via credit card number, and use their modus operandi to basically steal money from us. 

Currently I have Genesis ( Columbia Debt Recovery XXXX ) harassing us for more money with fees that are unheard of. 

This needs to be investigated as this company is acting criminal. 

They did not deliver and apartment to move into, and are charging us for it? That is FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX solicited me to apply for a personal loan product telling me that I was pre-approved for up to {$80000.00} based on credit report information which is only improved since they pre-screened me. I called the number and the advertising mail piece attached to this complaint spoke to an agent who took my loan application ask for permission to pull my credit for the evaluation of loan programs, told me that my application would be sent to underwriting and they would get back to me within four days. Within 24 hours the same agent called me back and told me that I was not eligible for any loan products even though my credit information was exactly what it was during the pre-screening process which they did not deny or confirm however I know that because I monitor my credit closely. during the application process they asked for my permission to access my credit report for the evaluation of loan products. When they called me back and told me I was declined they informed me that they had evaluated my application and credit information for another product or service that I never applied to and then I did not intend to inquire or apply for this is a violation of the Fair Credit Reporting act is also a violation of unfair deceptive acts abuse has and practices known as udaap. They used my credit report for a non permissible purpose. Violating the rule for permissible purpose under the fcra.when I attempted to complain about the use of my credit information for a non-permissible purpose the agent raised their voice and denied that I had only allowed them to pull my credit for loan options, which was a total lie. They never disclosed to me ( on what they said was a recorded line ) that I would be evaluated for anything other than a loan product. Nor did they explain it ask that my credit report information would be used for any other purpose than applying for a loan.
Product: Debt collection

On XX/XX/year> while reviewing my consumer report I saw an adverse action reported by AMSHER COLLECTION SERVICES with tender owed of {$340.00} USD. This business and this account I have no knowledge of. I have never contracted or agreed to do business or accept credit from this company. The company has thus violated the following : XXXX XXXX Code XXXX ( a ) ; XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ; XXXX XXXX Code XXXX ( XXXX ) ( XXXX ) ( XXXX ) ; XXXX XXXX Code XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately. 
XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXXXXXX XXXX-Date of inquiry XX/XX/XXXX