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

XXXX XXXX and Foursight Capital are reporting late payments to my credit report. 

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy.

15 USC 1681 section 604a section 2, states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose if they don't send a set of guidelines before the payment due date.

Under 15 USC 1681a ( 2 ) i credit agencies can not report transactions or experiences ( such as late payments ) without my written consent. 

Under 15 USC 6802 states that credit agencies are supposed to disclose that they are putting a late payment on my credit and give me the option to opt-out of the reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Mortgage loan with Flagstar Bank was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the credit bureaus.
Product: Money transfer, virtual currency, or money service

There was I believe 2 separate checks that were deposited to my truist account. They put an immediate hold on the both of them. With no offer to release any funds. They put my account on freeze without any notification. I had to call and wait 47 minutes to speak to anyone and still no answers as to why I'm not able to access any funds. After a few days. I contacted the direct branch were I live. And the representative told me that the fraud department has my account on hold and there isn't anything she can do to help. The funds that were sent to me were from a client that I worked for, for over 2 weeks. I haven't been able to get any money or even log into my account. I received 2 letters yesterday stating that the funds were on hold only because my account is new. And it went on to say that the funds would be available on the 30th of this month. I called to ask about the letter and now there saying my account is closed so Im not sure we're the money is supposed to get released to. This is frustrating and leaving me feeling helpless. I am in NEED of money to keep my business running. Please look into this issue for me I've tried every customer service number I could find. And I wish I would of read the XXXX reviews before I opened up an account with this Branch. Please and thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Source Receivables management has been reporting an account that does not belong to me. I have asked several times for valid documentation that this account belongs to me. I have only had phone service through my business with XXXX XXXX XXXX  and now currently XXXX. This account was not opened by me and does not belong to me. The documentation the debt collector is using to collect on the debt is only a statement and an equipment agreement with my name or someone with a similar name typed onto it. There is no hard copy ID, copy of social or even a signature that shows this account was legally opened by the person to whom identity was used. I have filed a fraud report on this information attached. FTC report # XXXX
Product: Credit reporting or other personal consumer reports

Applications were made in my name, which has seriously harmed my credit and credit score. I contacted Equifax, and their representative assured me that these fraudulent inquiries would be removed. However, I still see them on my credit report. This situation is causing me significant distress, as these unauthorized inquiries not only damage my credit but also suggest potential identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEMS QUOTES RULES AND THIER PURPOSE WHICH I HAVE NO OBLIGATION TO PERFORM, CHEXXXXX OPERATES ON A PRESUMPTION, I DONT HAVE ANY CONTRACT WITH THESE DECEPTIVE MISCREANTS, CHEXSYSTEMS COMMITS 2ND DEGREE FELONY BY USING MY PERSONAL INFORMATION WITHOUT MY CONSENT, ALSO RECENTLY I WENT INTO XXXX XXXX XXXX AND WAS REFUSED TO OPEN A CHECKING ACCOUNT BECAUSE OF CHEXSYSTEMS WITH THIER SECRETS MAKING FALSE REPORTS ON ME WITH NO TANGIBLE EVIDENCE TO ANYTHING, AND IM XXXX SICK AND TIRED OF THESE XXXX CRIMINALS, THEY SEND ME PAPERS ASKING FOR MY PERSONAL INFORMATION WHICH IS NONE OF THIER XXXX BISNESS, THEY HAVE BEEN MAKING BAD REPORTS ON ME FOR YEARS NOW AND GETTING AWAY WITH MASSIVE FELONY FRAUD, THEY WILL NOT SEND ME THIER REPORT THAT THEY ARE USING AND KEEP IT A SECRET, I WILL NOT CALL XXXX XXXX XXXX AND GO XXXX XXXX WHILE XXXX XXXX ASK ME FOR A BIRTHDAY, I DONT HAVE ANY CONTRACT WITH THESE XXXX AND THEY ARE MISCREANTS
Product: Money transfer, virtual currency, or money service

Around XX/XX/XXXX, I sold 3 XXXX toys on the selling app Mercari, after shipping out the orders and receiving 5 star reviews from each buyer I went to withdraw my funds from the apps wallet ( {$310.00} ). During the attempt to withdraw, Mercari limited my account for an unspecified reason. I contacted Mercari support and they said I needed to verify my identity through the app. I completed the verification process and got confirmation but the hold still remained. I spoke to support again and they claim I never uploaded my information. I reuploaded it again for the same result. This went on and on and my funds are still on hold to this day and support still refuses to help any further. This has gone on for over 2 weeks. At this point I just would like to have my money and move on to a different platform. Thank you for any assistance you can provide
Product: Debt collection

In XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, by way of their attorney XXXX XXXX XXXX XXXX., attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, filed a small claims case against me. At that time, my name was XXXX XXXX. I have since married and my name is now XXXX XXXX. The case number is XXXX out of the Small Claims Division of XXXX XXXX, XXXX  XXXX city oXXXX XXXX XXXX ). XXXX XXXX claims to have served me by way of the Sheriff in XXXX at an XXXX  address that I never lived at and don't recognize. I moved from XXXX  to XXXX, XXXX  in XXXX and lived in XXXX  until XXXX, when I moved to XXXX, XXXX. See attached law school transcripts, which show that I was a full-time law student in XXXX, XXXX  from XXXX to XXXX. 

Recently, I saw on the court 's electronic docket that attorney XXXX sent garnishment interrogatories to my employer ( attached below ). Attorney XXXX has never registered the judgment in XXXX XXXX ( XXXX  ) and presumably knows ( or should know as he has been licensed since XXXX ) that the judgment is not enforceable here until it's domesticated. He is attempting to secure confidential and sensitive information about me to which he is not entitled.The only reason for sending the interrogatories to my employer would be to harrass and embarrass me, as he can't collect based on any info he gathers. Further, the interrogatories were allegedly mailed to me at a very old address in XXXX  rather my current address in XXXX, which attorney XXXX has as he has sent correspondence to me at this address before. How could I work in XXXX  yet live in XXXX  at the same time? It doesn't take a lawyer to figure out that doesn't make sense.
Product: Debt collection

This was apartment rent that was owed during the COVID-19 Cares Act Period. But several items above that. 

1. Unit was not placed on market per lease agreement ( EARLY TERMINATION OPTION. Unit took 16 days after notice was placed to market on site or in person. 

2. Cares ACt was in place.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Mortgage

I applied for a VA Home mortgage with Chase bank and was denied b/c i haven't sold my current residence and unless i sell it they refuse to provide me a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity and purchased a car through a dealer named as XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX TX XXXX. This dealer submitted a credit application to many auto loan companies for hard inquiry on XX/XX/2023. 
I contacted the dealer for the details on XXXX XXXX and discovered that the thief used a counterfeit driver license with my name on XXXX XXXX. I also contacted XXXX XXXX XXXX fraud department and reported the identity theft issue and they confirmed that they will mail the ID theft victim 's affidavit package to my address on XXXX XXXX. 
I filed the identity theft case with FTC ( IdentityTheft.gov ) for XXXX XXXX ( Dealer ) and XXXX XXXX XXXX  on XXXX XXXX, 2023. I filed a police report with XXXX XXXX CA XXXX Police Department on XXXX XXXX and the police report was approved on XXXX, XXXX. Along with XXXX XXXX and XXXX XXXX XXXX, XXXX more companies made hard inquiry on my credit report due to this fraudulent deal on XX/XX/2023. 
Also, two companies made hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023, and a company made a hard inquiry on my credit report due to another incomplete fraudulent deal attempt on XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. This is a formal complaint against Transunion for refusing to remove a XXXX bankruptcy from my credit report that does not belong to me. My report says that the identification or account number for this bankruptcy is # XXXX. This is not my first dispute against this item, I have been fighting tooth and nail with Transunion trying to get this removed for years. First of all, this account is only being reported on my Transunion file. There is no record of a bankruptcy on XXXX or XXXX. This says a lot because if I really would have filed a bankruptcy in XXXX, this would also be showing up on my other two credit reports but it never has. I am attaching a screenshot from a recent report which shows this fact. Second, there are no negative accounts listed on my report that show any indication I ever filed for bankruptcy. How can I have a bankruptcy if there is nothing listed on my report to suggest I ever did? This should be very straightforward but is something Transunion has continued to ignore in all of my past disputes. Last and most importantly, I have contacted the XXXX XXXX Bankruptcy Court to the XXXX number provided in Transunion 's responses. The information they have does not match my personal information. I was told I would need to dispute this with Transunion in order to get this removed. If all this is true, how can Transunion respond to my dispute verifying that this is my account? My dispute is being disregarded as frivolous when it is really Transunion failing to process my dispute properly.
Product: Credit reporting

This item is OVER 7 YEARS, IT WAS REMOVED AND NOW BACK ON. How can your agency do this? This remark is violating my rights XXXX # XXXX
Product: Debt collection

on XX/XX/XXXX i reviewed my credit report and it was reflecting a debt from XXXX XXXX by XXXX XXXX XXXX since XXXX. It is my understanding i am no longer liable for this debt because i turned the phones in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I XXXX take appropriate legal action. Below is the list of the fraudulent items I found on my Credit report. 
XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX
Product: Debt collection

I am writing regarding your attempts to collect an alleged debt referenced under account number [ Your Account Number, if applicable ]. Please be advised that I dispute the validity of this debt and, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I hereby demand that you immediately cease and desist all further communication and collection efforts regarding this matter.

Your actions, including [ describe specific behaviors such as repeated telephone calls, harassing language, misrepresentations, etc. ], constitute violations of the FDCPA. As affirmed in the case of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ), the statutory protections provided by the FDCPA are enforceable in federal court. Continued failure to comply with these statutory requirements may expose you to legal action for violations of federal law.

Additionally, until you provide me with proper and verifiable documentation validating the alleged debt including a complete account history and the name of the original creditor you must cease all collection activities immediately. Any further attempt to collect this disputed debt will be considered willful noncompliance with the FDCPA and other applicable consumer protection statutes. 

I require that you : Immediately cease all collection activities, including but not limited to phone calls, letters, and any other form of communication regarding this alleged debt. 
Provide me with written verification of the alleged debt, including documentation evidencing my obligation to the amount claimed. 
Confirm in writing within 30 days from the date of this letter that all collection efforts have been terminated. 
If you fail to comply with these demands, I will have no choice but to pursue all legal remedies available to me, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking relief in court for any violations of the FDCPA.

Thank you for your prompt attention to this matter. I expect written confirmation that you have ceased all collection activities as required by law. 

please cease and desist and please delete and remove permanently from my conusmer report
Product: Money transfer, virtual currency, or money service

This company was selling purebred XXXX XXXX XXXX puppies for {$650.00}. To transport the puppy they told you you had to purchase refundable fee for a crate. That was {$1800.00}. Once you purchase the puppy they then send information about you paying for refundable insurance to keep the puppy safe while flying which was {$1200.00}, you then have to pay for refundable veterinarian, shots and shot record expensive which was an additional {$2100.00}. I did not receive the puppy and they continue to give me the run around. I contacted my bank to file a dispute. My bank shut down my debt card and issued me another one. This company is continuing to harass me by calling and texting my number, but not to negotiate the terms of me getting my money back.
Product: Debt collection

On XX/XX/2020, I received a notice from Synerprise Consulting Services that I owed a past due amount of {$620.00}. 

On XX/XX/2020, I sent a letter via certified USPS mail formally disputing the above claim, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Such validation should include my signature proving my contractual obligation to pay Synerprise Consulting Services. 

The company did not provide the requested information. 

On XX/XX/2020, I sent a letter via certified USPS mail requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay Synerprise Consulting Services the alleged amount of {$620.00}. 

In addition, I requested the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' the alleged account and amount owed. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, I am aware that a printout of a bill or itemized document does not constitute verification. However, this is what I received as " proof '' of debt validation from Synerprise Consulting Services on XX/XX/2020. The listed item is inaccurate and incomplete, and represents a very serious error in its reporting.
Product: Student loan

Naviet aka predatory leading got my account that was originally with XXXX. I tried countless times to lower my payment. XXXX XXXX XXXX XXXX is closed and no longer in existence. Navient took my 2015 tax return of {$3300.00}. My loan amount was {$5000.00} it went up to {$10000.00} dollars in less than 5 years. This company is praying on peoples wallets this can not be legal. I seriously need some help.
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 violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures 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

Multiple disputes regarding duplicate accounts being reported. Supporting documentation has been provided numerous times. 
Navient reporting duplicate loans to my credit reports. Reporting under XXXX as well as XXXX. XXXX is no longer the name used for servicing loans as all loans are now listed under XXXX. 
Experian refuses to remove the duplicate items from my credit report.
Product: Checking or savings account

Back in XXXX I used the chime app to transfer money under the pay anyone I entered in my friends telephone number and XXXX said they would text the phone number send them a link and tell them how they can add the money to their account however chime did not do this instead they decided that telephone number used to belong to a chime member so they se t the money to and old chime member, however the person does not own that telephone number chime app did not send a link to that telephone number as it said it would and chime decided to put the money that was meant for my friend into somebody else 's account that used to own that telephone number it probably doesn't even have a chime account anymore because they didn't even own the telephone number
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XX/XX/XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I sent a letter off on XX/XX/2023 To remove information that I don't not want on my credit report. According to the fair credit reporting act 12 usc1681. I have the right to privacy also according to 15 usc 6802.No financial institution is not suppose to share my information to third party people. 

This are clear violations of my federally protected consumer rights. 

XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX Phone ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX  XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX AL XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX PA XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXXXXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available XXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX Address XXXX XXXX XXXX PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Address XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Information Address XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Information Address XXXX XXXX XXXXXXXX, PA XXXX Phone ( XXXX ) XXXX XXXX - XXXXXXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX {$0.00} - - -No Data Account Information Address XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, OH XXXX Phone Phone number not available XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX