23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Lewis McDonnell & Associates is reporting on my CR, fraudulently. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Lewis McDonnell & Associates or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. I have no contract with Lewis McDonnell & Associates. I have yet to witness a " wet ink '' signature between myself and Lewis McDonnell & Associates. nor have I ever received a True Bill in commerce in regards to this account. Lewis McDonnell & Associates has levied and/or trespassed upon Me, the living woman, without due cause. There is NO valid contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting Transunion since XXXX XX/XX/XXXX to removed my credit freeze for 2 days for my mortgage company to pull my credit. The weekend went by and no prevail, called 8 times on XXXX XX/XX/XXXX and spoke to 5 different people whom all said they removed it just to again have no prevail. Called again today and spoke to XXXX and requested a manager because after speaking to 6 people ( she is # XXXX ), I am highly frustrated, disappointed, disgusted and in awe of this process. She did not send me to a manager and requested to fix it herself and saw that I verified my identification less than 24 hours prior and I informed her to just remove the entire freeze because of their unprofessionalism and unwillingness to assist, this may make me miss my closing date and I may lose my home I was purchasing. Even their online site has been down since I've known in XXXX and won't let you place or remove a freeze as it only says unknown. Someone needs to revamp Transunion as it's causing issues with keeping someone out of our accounts as they don't help with removing freezes in an appropriate time and no one should have to call that many times or speak to that many people to get one thing done.
Product: Money transfer, virtual currency, or money service

XXXX/XXXX/22 : Sent {$750.00} via Cash App to nephew. He never received it. 
XXXX/XXXX/22 - XXXX/XXXX/22 : Spent several days seeking help from Cash App Customer support. They said their system showed the transaction was " Complete '' and offered no further assistance. It was difficult working thru multiple chats, emails. 
XX/XX/22 : Sent letter to requesting refund to Square , Inc. 
XXXX/XXXX/22 : After not hearing back from them, my attorney sent Square , Inc a letter requesting a refund. 
XXXX/XXXX/22 : Cash App 's response was that I request reimbursement from the recipient- my nephew. 

My contention is that they can show {$750.00} was received by Cash App but can't provide proof that it was actually withdrawn from their app. The {$750.00} is sitting somewhere in their system. On my nephew 's end, there were no links or prompts to allow him to even access and withdraw the funds.
Product: Money transfer, virtual currency, or money service

Around XX/XX/2022 I received a call from my bank ( Chase ) phone number saying they needed me to help them access my account. They sent me a code, I gave them the code and I had XXXX XXXX transactions on my account from a person I have no dealings with. I made a claim they gave me provisional credit but later on took the credit back and my account became negative. I had to pay the balance to bring my account back to good standing.
Product: Debt collection

On Tuesday XX/XX/XXXX at XXXX XXXX  My mom ( who I do not live with ) texted me to let me know a man called looking for me. Before I was done texting her, I received messages from my niece, my ex husband, my dad and my mom that he left messages for all of them that I needed to give a verified address for documents to be delivered. My phone had an XXXX number to call. XXXX XXXX XXXX. I called them and the gentleman I talked to said " we can end this right now if you pay XXXX, would you like to use XXXX  or XXXX. '' I said I don't have that kind of money, I told him I have been working with a debt relief company. He didn't seem to like that response. I asked for copies of paperwork so I could forward it to the debt relief company at which time he said if I didn't pay today, the collection activity would continue. He asked for my phone number and would have the gentleman calling everyone know. At XXXXXXXX XXXX XXXX XXXX called me from XXXX XXXX XXXX and asked when I would be home. I told him about XXXX XXXX as I was working. I said but my daughter is home. He said no one can accept the papers except me because I had to read iT all in front of him and sign papers. He asked where I worked because he had to get this off his desk. I gave him my work address ( and I have a witness ). He never delivered papers and calls resumed again the following morning. To my mom, my step mom and me. I made a comment to my coworker that this was very aggressive I was going to call the police to be here and XXXX XXXX, " you call the police. That will actually help me out a lot. '' Again, he never attempted to deliver paperwork. He never yold me what company he works for. But the XXXX number I called was for national recovery. 

I know they call family so they can charge location fees. But they had my address and my phone number, both I've had over 15 years. I never evaded phone calls. I never received a call til the called my mother first and I never received any mail. So I don't agree I should have to pay fees that they will add on to any debt either. 
Even after I told him where I was, he never showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion 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 incorrect personal information that are still reporting on my Credit Reports and XXXX XXXX XXXX completely from my Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX, GA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act Loancare Acct # XXXX They have violated my rights. 
15 USC 1681 Section 602 states " I HAVE THE RIGHT TO PRIVACY '' 15 USC 1681 Section 604A section 2 : It also states " A consumer Reporting Agency can not furnish an Account " Without my written instructions '' 15 USC 1666B : A creditor may NOT treat a payment on a Credit Card Account under an open end consumer credit plan as late for any purpose Done
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Missouri XXXX Date : XX/XX/2025 To : Citi Credit Cards [ Address If you have one for their correspondence, insert here ] Subject : Follow-up Regarding Disputed Account and Request for IRS Form 1099-C Dear Sir or Madam, I am writing to follow up on an issue I have previously brought to your attention regarding an account that you claim I held with Citi Credit Cards. In your response, you stated that a reply had been sent to me regarding my dispute. However, to date, I have not received any such correspondence.

I continue to dispute the validity of the alleged account, as I have no record or knowledge of ever having held any account with Citi Credit Cards. Despite this, my credit report reflects that the account was charged off. Upon contacting the Internal Revenue Service ( IRS ), I was informed that Citi reported this charge-off and is seeking a tax write-off for the amount allegedly owed.

According to the Internal Revenue Code, if a creditor cancels a debt of {$600.00} or more, the creditor is required to issue IRS Form 1099-C, Cancellation of Debt, to both the IRS and the debtor. This requirement is outlined under 26 U.S. Code 6050P.

26 U.S. Code 6050P - " Any applicable entity which discharges ( in whole or in part ) the indebtedness of any person during any calendar year shall make a return ... showing the name, address, and TIN of each person whose indebtedness was discharged ... and the amount of the indebtedness discharged. '' Failure to issue this form as required may result in penalties under 26 U.S. Code 6721, which addresses failure to file correct information returns. The penalties can range from {$60.00} to {$310.00} per return not properly filed, depending on how late the form is issued, with a maximum annual penalty that can reach up to {>= $1,000,000} for large entities.

Therefore, I formally request that you provide me with a copy of the IRS Form 1099-C related to this alleged debt. Please send this documentation to the following address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, Missouri XXXX Should you fail to provide this information within a reasonable timeframe, I reserve the right to pursue further remedies, including filing complaints with the IRS, the Consumer Financial Protection Bureau ( CFPB ), and any other appropriate regulatory agencies. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My purse was stolen on XX/XX/XXXX, and HSAB denied two claims, one for {$330.00} and the other for {$100.00}. A police report was filed with the XXXX, TX police dept. case # XXXX. A new card was opened for me and the history and charges from the old statement were not shown. HSBA required me to make a {$75.00} payment without any visibility to my statement and without sending me a paper statement. My account is related to phone number XXXX. 

I called HSBC on XX/XX/XXXX and they said I had no past due balances. I look online and there is a {$35.00} past due balance. There is no way for me to see the old account that was closed online and they never sent me a paper statement. I want to see every historical transaction on my account to date. HSBC is a fraud shop! The banking system is a crime network run by the cabal and we bailed the criminals out. 

It has become a regular practice for HSBC and others to require a payment on the account, if they deem it late, and to not provide any transparency online or via paper. In this case they did not transfer all of the historical transactions to my current account. There should be XXXX late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a lot of hard inquiries listed on my credit report that indicated " unknown or unspecified '' company. I asked them to removed them because I have no knowledge of what the companies are and who requested a copy of my credit report. I was notified by XXXX Agencies that there personal files was hacked and my information along with others were taken. Then when I heard about the breach in the Equifax I decided to pull my credit report to see what my reports look like. I noticed a lot of inquiries and inaccurate information that I am trying to dispute or investigate. For the past year or XXXX I have paid a lot of things off and the only thing I applied for was an automobile loan back in XXXX XXXX. How is it fair for a Credit bureau to report unspecified information without listing where the information came from especially if the source is not verifiable or validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items they shouldn't br on my profile
Product: Debt collection

Early XXXX I was looking over my credit report when I saw an unidentified inquiry of {$290.00} that came from the Diversified Consultants Inc. When I look further into it was stated that the original lendor came from XXXX ; The collection agency stating that I had never fulfilled a past due balance with XXXX. However I knew that the what they were informing me of was false because early 2018 I switched my current plan over with XXXX to a pre-paid plain with XXXX. I wouldn't be able to switch over my current plan to a pre-paid plain with XXXX if I had such an outstanding balance with XXXX. I requested that this collection agency to provide me with proof of the original contract of me being obligated to pay such a balance and they failed to provide me with proof. When I spoke with one of the representatives from the collection agency his exact words were " we do not have to provide you with proof you would have to speak with XXXX to get access to about obtaining that information ''. Shortly after I spoke with him I filed indentity theft report with the Federal Trade Commission, I filed a police report at the XXXX police department where I spoke with officer XXXX badge # XXXX police report # XXXX, and I also mailed a general affidavit for them to provide me with an original copy of the contract which they still failed to provide me with the info I requested. which if I'm not mistaking goes against the fair credit reporting, Section 609 ( a ) ( 1 ) ( A ).
Product: Debt collection

a company called credence resource managment bought a debt that was removed from my credit report now there harrasing me for a bill that was removed. this keep happeinig to me every time its removed how can i prevent this? its a a XXXX XXXX XXXX bill and dates are wrong of service.
Product: Debt collection

I started to receive phone calls around XXXX of this year XXXX from this debt collecting agency by the name of " Hunter Warfield. '' They asked me to verify my name, d.o.b., address, and social security. I did not answer to them but asked them what the call was regarding and apparently, I owe " {$14000.00} '' to them for a mortgage payment in Texas. I have never been to the state of Texas and I live in California. They refuse to give me any information as to who their " client '' is and demanding that I pay this outrageous debt. When I stopped answering their calls, they called my husband and started harrassing him as well. I recently went through this same issue with another debt collecting agency that I had to dispute with the XXXX credit bureaus because they also used my information for an apartment lease in Texas. This happened last year in XXXX. I am a victom of identity theft and my information has been around the XXXX web circulating. Despite my credit freeze and identity lock, I am still being contacted by these debt collecting agencies.
Product: Credit card or prepaid card

In XX/XX/2018, I applied for and was granted a credit card account with Capital One with a XXXX dollar balance. No issues, no problems. The card came in the mail. I created the online account, and set up automatic payments from my bank account. I called to activate the card that arrived per instructions. Capital One required information when activating the card. They asked for cell phone number, which I did not have or provide. They asked to upload a copy of my license. I did that multiple times, as each time they claimed that the picture was not discernible. Each time I took a new picture and uploaded it. It was as clear as day. Each time, Capital One had a different excuse as to what was not 'legible ', finishing with the file must have been altered when I uploaded it. It was clear that is was one lie after another. I spoke to multiple people, some claiming to be supervisors. I spend hours on the phone over the course of weeks. After wasting so much time trying activate a card, I ultimately decided to cancel the account. Capital One refused. They have access to my personal information, banking information and have run credit checks, but would not allow the card that they provided to be activated. They would provide no actual reason why. They refused to delete my personal and financial data. During the course of the conversation, Captial One said that I was not allowed to record the phone conversations, even though they state that they record the phone conversation. This should be a dead give away that they are up to something not above board. Do not apply for a card with Capital One. Clearly, they are after personal and financial data.
Product: Credit reporting or other personal consumer reports

I recently notified Transunion that I am a victim of identity theft. the fraudulent /error accounts XXXX and XXXX XXXX. are showing on my credit report, but they are not mine, I didn't pay any settlement and I did not open either of the accounts. Transunion is also listing addresses on my credit report that I have never lived at before
Product: Debt collection

I received a letter dated XX/XX/XXXX from XXXX Account XXXX XXXX. Claiming that I owed {$5000.00} to XXXX XXXX XXXX and XXXX Co. I requested validation of debt, but the document they sent did not match the amount they were trying to collect. This document listed a balance of {$650.00} that was charged off in XXXX of XXXX with no provision of any additional interest. Furthermore, the interest listed was over $ XXXX that accrued in just a XXXX period. On XX/XX/XXXX, I disputed the debt using XXXX certified mail, indignant that they would use such unscrupulous practices in attempt to collect a now time-barred debt. Nevertheless, I received a letter dated XX/XX/XXXX stating that I had failed to respond and they had reported the debt to a credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

( DISPUTE CODE - XXXX ) My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXXEquifax XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

as the company stated in the last complaint that i filed to get this removed that they reported the debt of XXXX to all three credit bureaus agency However that is incorrect they are in fact reporting the date amount of XXXX also i requested a 1099c form from them because they wrote off the date ( as they also stated ) which is IRS regulations if the amount is over XXXX $ .However, they have not done anything i have requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXXhirty ( 30 ) days.
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 XXXX XXXX XXXXXXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from myTransunion. Please delete the following accounts. 

Account Name : 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 Additionally, I request the removal of all unauthorized inquiries, incorrect Address ( es ) and Employer ( XXXX ) related to this identity theft : Creditor Name : XXXX XXXX  Inquiry Date XXXX XX/XX/year> Creditor Name : XXXX Inquiry Date : XX/XX/year> Creditor Name : XXXX Inquiry Date : XX/XX/year> Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX. 

LoanCare I was approved, as a XXXX veteran, for homestead exemption. in XX/XX/2018. I was told by the XXXX County Property Appraiser office, that they do not notify the mortgage companies, since, everything is done on line, the mortgage companies, can get the information on line, or call the XXXX County office. 

Since the date I was approved, I have called, and notified the mortgage company, on numerous occasions, that I was approved for this deduction. Everytime I called, I was told that it needed, to go to the tax department. I talked to the tax department on four ( 4 ) different occasions, and was told, that it would be escalated, to be taken care of. 

On XX/XX/XXXX, I was told that, I needed to provide proof of the homestead exemption. I sent a copy of the exemption letter to them, and it has still not been resolved. 

Another matter is that on XX/XX/XXXX, I submitted a house payment, when two ( 2 ) days later it did not show up in pending payments, I assumed, I had not correctly submitted the payment, so I submitted a payment again. On the XX/XX/XXXX, it showed as a payment pending, I spoke to a representative who assured me that the payment submitted for XX/XX/XXXX would not go through. On XX/XX/XXXX a payment was submitted to my checking account which charged me XXXX, I called the customer service department again, and was told that they could not stop payment. 

I was told that, even though, I called on XX/XX/XXXX, they would not stop payment. So I was charged twice ( 2 ) by XXXX {$29.00} for non sufficient funds, and I received a notice on, XX/XX/XXXX, from  the mortgage company, for {$49.00} return check fee.
Product: Checking or savings account

Summitted payoff to a financial institution. The action was accepted than reversed. Asked the reasoning for their decision. Was told that they did not accept ACH payments, yet I have been making ACH payments to them the last three payments. Legal advice is going to be thought out because how can a financial institution say that it is ok to accept payments from one financial institution but not another. A financial institution can not be discriminatory in which financial institution it can or can not accept payments from.