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

This is a follow up up to case XXXX. 


Transunion responded that I had two XXXX XXXX accounts and one was deleted in XX/XX/XXXX and one was verified. That is not true. I have attached screenshots showing BOTH collection accounts were removed. Both accounts were there on XX/XX/XXXX, one was deleted in XX/XX/XXXX and the other by XX/XX/XXXX. 

They reinserted one account without notifying me. 

I was not notified within 5 days like is required. Delete this account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ExperianXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, 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 Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Transworld Systems Inc. sent me a letter regarding an owed balance of {$300.00} with a request for me to mail payment to " apology letter tenet. '' I attempted to call to inquire about said debt, and the person I spoke to could find no record of my account number provided on my bill. After she requested further personal information, I felt uneasy about continuing the conversation. I am not delinquent on any debt currently, and I 've never been made privy to this amount by any company or medical office. The only notice I 've been given about owing this amount came from Transworld Systems Inc . This company is violating the Fair Debt Collection Practices Act because they are using deceptive practices to obtain money for a debt that they ca n't prove.
Product: Credit reporting

XX/XX/XXXX I learn of a collection being reported by PINNACLE LLC C/O RESURG. Not having any business with them I call to learn what it 's about and after multiple calls the only thing I learn account was sold to XXXX. So i call them but was never given information about the matter. Then i file complaints with Credit Reporting Agencies and within minutes of doing so receive emails stating disputed information meets reporting requirements and days later receive letters indicating same. So no investigation was performed! I then hire the XXXX XXXX firm to investigate this matter which forced PINNACLE to reveal a supposed original debt with XXXX XXXX. Now after this investigation information about the account is being manipulated such as open dates etc., to extend reporting. Also this closed account is now reported in a manner to reflect as a new delinquency each month to cause further damage to my credit. XX/XX/XXXX I did establish service and purchased multiple phones at retail price since from day one I did not receive adequate phone service. First i was told a phone with external antenna was needed and then even more powerful phones even though I was within a good coverage area. Later after diagnostics i was told that there were issues with the cell towers and service tickets were issued all this continued for years. Finally i was told repeatedly by customer service reps, " XXXX is not for everybody ''. So being fed up i cancelled service having paid all monthly charges and fees.
Product: Mortgage

Began when I missed a mortgage payment in XX/XX/XXXX, there after the payments were made late until XX/XX/XXXX. I requested assistance with a loan modification so the mortgage company, Nations Direct Mortgage sent a loss mitigation packet in XX/XX/XXXX which was completed and emailed on XX/XX/XXXX. The result, I was approved in XX/XX/XXXX for a repayment plan in amount of {$2000.00} which was to start XX/XX/XXXX. I called Nations Direct Mortgage loss mitigation department who told me to contact, XXXX XXXX ( under writer ) regarding the repayment plan, so I sent the email on XX/XX/XXXX letting them know I could not afford this month repayment plan but I never received a email or return call from Mr. XXXX. On XX/XX/XXXX I received an email from the Loss Mitigation processor, XXXX XXXX who requested another loss mitigation packet due within 30 day, then on XX/XX/XXXX an email was received from the loss mitigation department which states " upon review the following is still being requsted " not a typo. The email asked for the same information sent prior but I sent it again and never heard anything from the mitigation department. Then on XX/XX/XXXX a email was received from loss mitigation requesting the following : a hardship letter, making Home Affordable, the 4506t form, child support payment summary and ( 3 ) months of bank statements which was sent via email on XX/XX/XXXX. I never heard back from Nations Direct Mortgage. I filed for bankruptcy XX/XX/XXXX using assistance from bankruptcy lawyer XXXX XXXX XXXX, office in XXXX MD who informed me that the mortgage company foreclosed on my property on XX/XX/XXXX, I was not aware. After filing process the Mr. XXXX informed me that Nations Direct does not want to work with me thru the bankruptcy process, I filed Chapter XXXX, therefore Mr. XXXX gave me the name of a third party company, XXXX XXXX XXXX non profit program were this company could purchase the property and resell to the owner. The contact person was Mr. XXXX XXXX, Negotiations Manager, contact number XXXX who tried to reach out to Nations Direct Mortgage but had no success. Mr. XXXX states he has never experience this unprofessional behavior from a business, but states he will keep my file opened for any future assistance. Recently I contacted another non profit company, XXXX XXXX XXXX, contact person Mr. XXXX XXXX, HUD housing counselor,  phone number XXXX who also tried to contact Nations Direct Mortgage but they will not respond, so told me to file an complaint. I received a letter from XXXX City Circuit courts which states my automatic stay has been terminated as of XX/XX/XXXX. I take full responsibility on my current situation, it's my fault but I would like a fair chance to resolve without loosing my house. I worried that me and my children will be homeless but I'm also angry because I feel the company will not cooperate. I still reside in the property and I hope someone can help my situation.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

all this inquiries. Its not authorized by me. Somebody tried to apply for credit cards. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

FCRA law I did not give my permission for anything to be reported as a result my information was exposed in a data breach.also according to the fair credit reporting act 15 usc 1681 I was promised accuracy in my report based on that federal law there are errors and the fact that this debt was charged off, but I did not receive a 1099C so this is also considered fraud. I would like this again removed. I did appealed to all three credit bureaus and got no results.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to express my deep disappointment and frustration with the exorbitant interest rates that have been applied to my Time Finance loan. The recent statement I received has left me astounded by the high interest charges, which I find to be unreasonable and unexpected. 

When I initially entered into an agreement with Time Finance, I did so with the understanding that the interest rates would be fair and in line with industry standards. However, the current interest rate has far exceeded my expectations, making it increasingly challenging for me to manage my finances responsibly. 

I have always been a conscientious and diligent borrower, consistently making my payments on time and adhering to the terms and conditions of our agreement. Therefore, it is disheartening to see such high interest charges that are not aligned with the trust I have placed in Time Finance. 

I kindly request a review of my interest rates to bring them into a more reasonable and manageable range. I believe that fair treatment of customers, especially those who have demonstrated financial responsibility, is essential for maintaining a positive relationship between Time Finance and its clients. 

I am open to discussing this matter further and finding a resolution that benefits both parties. I hope that Time Finance values its customers ' financial well-being and will take steps to address this concern promptly. 

Thank you for your attention to this matter. I look forward to hearing from you soon.
Product: Money transfers

Paypal went ahead and put limitations on my account for legitimate transactions of goods that I have conducted with eBay and other companies all legitimate. They requested a bunch of documents to verify who I was and I complied within two hours. They then sent me a letter asking for invoices or receipts for merchandise sold on eBay and I did. I called because I did need my funds and they said the information was sufficient but now I had another account and I explained I did n't and there was fraudulent activity going on, even faxing them documentation. They just seem intent on keeping the money and continue asking for more and more information for merchandise that has already been paid for and I need my funds for.
Product: Checking or savings account

on XX/XX/year> I contacted capital one about my direct deposit not being in my account like usual. I was told there is no XXXX to when my deposit would hit and no information could be given to me at the time im writing this which is XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX charge card on my TransUnion credit report it was it was opened XX/XX/2023 and it last reported on my file on XX/XX/2023 this card is not mine and is a fraudulent transaction I have already filed a dispute with TransUnion that is pending and I spoke with XXXX XXXX which they said they couldnt do nothing. I have also frozen my credit report for now I would like this card to be removed and canceled from my credit file
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 XXXX Account Number : XXXX Account Name : DEPT OF ED/XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX 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 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: Credit card or prepaid card

I bought XXXX {$500.00} visa gift card at XXXX on XX/XX/XXXX. When it opened them I noticed XXXX of the gift cards have a fake barcode sticker covering the real barcode. The gift cards are sealed in a package showing only the barcode. Cashier scans the barcode to load money and activate the card. So I tried to check the balance and as I thought the XXXX gift cards were not activated. Called Incomm on XX/XX/XXXX and submit a claim ( # XXXX ) with copy of the receipt and gift cards. Said they will contact me back in 10 days and its been 11 days. As I research online I see a lot of people have this scam happened to them. The way how the fake barcode is placed and how the package is sealed it must be an inside job. As you can see from the picture the glue was on top of the fake barcode sticker so it must've been placed on before the package was sealed up.
Product: Debt collection

After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a tv from XXXX XXXX for {$120.00} off a XXXX ad. Around XX/XX/XXXX, I started to email the company and they didn't respond. Around XX/XX/XXXX, I received an email from them stating to wait patiently. I them opened a claim with direct express and was refunded the full amount on XX/XX/XXXX. On XX/XX/XXXX, Direct Express reversed the claim and debited my account for {$120.00}, purchase amount of tv. I asked to receive detailed information about the case reversal to which they sent a short letter stating that there was no error in the transaction. I have made approximately 15 phone calls and an appeal to Direct Express. before I get an answer regarding my questions, I get hung up on. It is obvious they refuse to refund my money even though I never received the product debited to my account nor have I received a refund from the merchant. Direct Express has shown no interest in resolving this complaint. It is for that reason I am asking for your assistance in recouping my stolen money as I am a XXXX  on XXXX income. The states attorney has referred me to you and I have contacted the XXXX  to make a claim against XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX took 7 mortgage payments out of my bank account in 24 hours.
Product: Credit reporting or other personal consumer reports

EXPERIAN is reporting inaccurate information on my credit profile. I have no knowledge of these inquiries that are listed on my credit report profile. The inquiries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/XX/2017, I 'd downloaded my credit report. I called on X/XX/2017 to get a rssolution, no results. I explained that it was a computer glitch that was TrabsUniob problem, not an error of myself caused my inquries to be deleted. Once the glitch was realized, TransUnion added them back on my report. I did not receive proper written notification 5 days prior to it appearing. I 've contacted TransUnion in good faith to ask them to delete the hard inquiries that they had illegally re-added. These hard inquiries add a hardship and my rights were violated by TransUnion. I am asking CFPB to help me make TransUnion to stop victimizing me. Also, I am asking a resolution that all my TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added.
Product: Credit reporting or other personal consumer reports

I no longer have an outstanding balance with XXXX XXXX and the company is still reporting that theirs a balance with them i would like for this to be investigated properly after the company investigation I would like for that item to be removed immediately Sincerely XXXX XXXX thanks
Product: Credit reporting or other personal consumer reports

I was XXXX  from XXXX till XXXX in the XXXX XXXX XXXX XXXX. 2 XXXX Credit Cards, and 1 XXXX XXXX Credit Card was opened in my name. The first on was opened on XXXX of XXXX and the second account was opened on XXXX of XXXX, and the XXXX  XXXX card was opened on XXXX of XXXX.. Once I was released, I got a copy of my credit report and I notified XXXX and XXXX XXXX about these accounts and I also notified all 3 credit bureaus about this and they removed them from my report. 
Then they were put back on my credit report because XXXX and XXXX XXXX said that they were my accounts but I never opened them. I was XXXX. I sent proof to them and to the credit bureaus. XXXX and XXXX XXXX still maintains that they are my account and they are not. 
Apparently someone was making payments on these accounts from an account that I never opened. I am angry that they would allow someone to do this to me. I never authorized this nor gave anyone permission to do so. The mail was taken from my mothers mailbox. Her box is out in the open for anyone to grab mail from.
Product: Bank account or service

Citizens Financial Group is improperly assessing fees for Regulation D. The letter of the law clearly states that this regulation governs transfers " made by the depositor and payable to third parties. '' Citizens has assessed me and presumably all other depositors a XXXX dollar fee for transfers made WITHIN THE BANK. Please prosecute them to the fullest extent of the law, and assure that the citizens of the XXXX are refunded these millions of dollars in illegal fees which have been levied by the bank. Feel free to contact me by phone or email if a copy of my statement is needed showing proof of their illegal activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

There stuff on my credit appears wrong and old stuff is still there and just won't stay off?
Product: Credit reporting, credit repair services, or other personal consumer reports

In a accordance with the fair credit reporting act XXXX  account below has violated my rights 15 U.S.A 1681 section 602 A states I have the right privacy.

15 U.S.A 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 1692 section 805 A section 3 states as the consumers place of employment if the dept collection knows or has reason to know that the consumers employer prohibited the consumer from receiving such communication 15 U.S.C 1692 section 805 A states dept collector may not communicate with a consumer in connection with the collection in any dept at any unusual time or place known to be inconvenient to the consumer 15 U.S.C 1692 section 806 section 5 causing a telephone to ring or engage any person in telephone conversation repeatedly or continually with intent to annoy, abuse or harass any person at the called number 15 U.S.C 166b A creditor may not treat a payment on a credit card account under and open end consumer credit line as late for any reason 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 XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I am trying to refinance my mortgage and the mortgage company will not provide a loan payoff statement. I have requested one 4 times. Each time it has been cancelled and nothing was provided. When I call I get placed on hold and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this account and have it removed from my credit file due to inaccurate information reporting to the credit bureaus about this account.
Product: Credit card or prepaid card

I placed orders on XXXX XXXX order # XXXX. My XXXX XXXX card was charged I have not received any order. When I called Customer Service I was told the order was canceled but I XXXX charged {$110.00}