23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Account is not mines it just popped up out nowhere today never seen this account until today I've never opened or done business with the company / business... Please help this is affecting my life, stress, and keeping from taking care of my family affairs. this account is not mines. please remove right away please and thank you. 

Overview You have 100 % left to pay on this collection. 

Balance {$180.00} Highest Balance {$180.00} Opened XXXX. XXXX, 2022 ( 5 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks No Info Original Creditor Name XXXX XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
If there's an error on your report, you can submit a dispute. 

GO TO XXXX Creditor Information AMSHER COLLECTION SE XXXX XXXX XXXX XXXX, AL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Major identity theft issues here in XXXX XXXX California USA USofNA pertaining to my personal legal/lawful identity that has always been and always will be lawfully/legally owned by myself personally that was originally established and originally created for myself legally/lawfully in real life and in my real life uncut and unedited original Federal documented films photos and audio as a real life Federal FBI CIA Agent and in my movies I never gave any lawful/legal permission to remake/duplicate at all.
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 or other personal consumer reports

I am filing this complaint to formally request your assistance in correcting incomplete and inaccurate information on my consumer report, which violates my federal consumer rights to privacy and confidentiality under the Fair Credit Reporting Act ( FCRA ). 
I have requested the following information from the compaines that says they own the debts and they haven't provide the following information to me yet. 
Provide breakdown of fees including how you calculated what you claim I owe. 
Then provide a copy of my signature on the contract or document that holds me responsible for this alleged debt. 
Verification of the debt amount and its origin. 
Documentation proving that I am legally obligated to pay this debt. 
Verification of your authority to collect this debt. 
Proof of the validity of the debt, including any contracts or agreements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relevant Statutes : 15 USC 1681 ( Fair Credit Reporting Act ) : Ensures accuracy and privacy of information in consumer reports.

15 USC 1681 Section 602 ( a ) : States that consumers have the right to privacy and that their consumer reports should be maintained with the utmost confidentiality.

15 USC 1681b : Limits the purposes for which a consumer report may be furnished, ensuring that reports are accessed only for permissible purposes.

15 USC 1681c ( a ) ( 5 ) : Specifies the time limits for the inclusion of certain adverse information in consumer reports, ensuring outdated information is not reported. 
Given these violations, I request the CFPB to : Investigate the handling and reporting of the accounts in question. 
Thank you for your prompt attention to this matter. I trust that the CFPB will take the necessary steps to resolve this issue and uphold my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year i have been contacting TransUnion about 4 accounts they continue to report in my credit history that do not belong to me. Whenever i call i am transferred to another department but no one answers i am forced to leave a message, i never get a call back. I have been dealing with this like i said for about a year-its very frustrating. Transunion File Number XXXX
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX, XXXX, TransUnion repeatedly by phone and letter, disputing the inaccuracy of the Bankruptcy information that they have listed and asking XXXX, XXXX, TransUnion, how it had verified the statement. The source-disclosure did not provide accurate reporting, and reinvestigation provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.1681g ( a ) ( 2 ), 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), to a credit reporting services actions. Ive requested that this information is either corrected or removed.

I have provided proof from the courts to show the Bankruptcy Court Docket did not reflect the information listed on credit file.

Section 1681i ( a ) ( 1 ) concerns a consumer reporting agencys general obligation to reinvestigate information a consumer disputes as inaccurate or incomplete in his or her credit report. 
XXXX, XXXX, and TransUnion continue to violate various FCRA provisions by persisting in publishing this report and failing to follow certain of the FCRAs procedural notice requirements. 
The FCRA was enacted in 1970 amidst concerns about the accuracy of information disseminated by credit reporting agencies. If a reporting agency willfully fails to comply with any requirement of the FCRA, it may be held liable for actual damages of not less than {$100.00} and not more than {$1000.00} per consumer, as well as potentially for punitive damages. 15 U.S.C. 1681n. If a reporting agency negligently violates a provision of the FCRA, it may be held liable for actual damages arising from the violation.
Product: Credit reporting or other personal consumer reports

Im stressed and displeased that I see so many fraudulent accounts on my credit reports. This is really damaging my creditworthiness. I am trying to buy a home for me and my family and this is not fair I have tried several times to get these account removed. Let alone my information was in a Experian and XXXX data breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and they have not. This is not right and goes against federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should not be furnisher peoples information to 3rd partie companies do this is illegal, neglect and fraud. I have already reported this to the local police department and federal trade commission. These companies and the credit bureau can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space feeling your data base is inaccurate and Im filing ligation against this if these items are not removed immediately. 

XXXX XXXX Experian 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 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 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 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 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 Experian 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 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 Personal Info : My name is XXXX XXXX XXXX XXXX and only should be listed this way. 

Previously lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Current Adress is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as of XX/XX/XXXX. 

Please delete and remove all other previous address and name spellings off the report as there in accurate as well as remove the employment history and employee as Im self employed thanks
Product: Credit reporting or other personal consumer reports

I recently signed up for Experian in XXXX XXXX XXXX. When I logged in I noticed inaccurate information on my credit report that I did not authorize or do for the items to be in my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Accounts XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 Section 602 A. I have the right to privacy 15 U.S.C 1681 Section 604 A. It also states that a consumer reporting agency can furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX XXXX. XXXXXXXX XXXX XXXX XXXX services # XXXX XXXX XXXX # XXXX And XXXX XXXX XXXX have violated my rights 15 US C 1681 section 602A States that I have the right to privacy. 
15 US C 1681 section 604 a section until I saw XXXX XXXX reporting agency cant furnish an account without my written instructions Not only do these accounts and I belong to me, but XXXX XXXX XXXX and Equifax are violating my rights, along with these other companies above. Above I plan on being involved with a multi XXXX dollar legal class action lawsuit because of this, it has caused me a lot of trauma and grief!
Product: Debt collection

On the morning of XX/XX/XXXX, XXXX XXXX called a relative of mine, stating that I put them as a reference ( when I did not ), who answered the phone and was informed they were looking for me. They specifically stated that they were from XXXX XXXX, associated with XXXX XXXX XXXX, which is a direct violation of the Fair Debt Collections Act ( FDCA ). They can call references, but can not inform them of any accounts I may or may not have. 
Along with that, they contacted another friend of mine and left a whole voicemail, stating they were from XXXX XXXX, and threatening with an attorney. I have a copy of that voicemail, which I have attached. On that same day, they contacted my brother saying they were looking for me and that they were from XXXX XXXX, and a certain debt collectors agency. 
Exposing they are from XXXX, along with associated with XXXX XXXX XXXX is a direct violation of the FDCA.
Product: Credit card

On XX/XX/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX. Billed me for an account i never opened, including landline telephone service, when I don't even have a landline in my home. After many calls to XXXX they admitted they error and said they would fix it. I found a collection on my credit report to Experian, filed a dispute. XXXX is claiming it's valid and remains on my credit report. Again, I have never had nor will ever have any accounts or services with XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I reviewed my credit XXXX, XXXX and Experian credit reports. After contacting XXXX XXXX  numerous times and disputing this inaccurate account which is not mine over five times previously, I notified XXXXXXXX XXXX in writing ( see Letter uploaded with this complaint ) that this is not my account and I am a victim of identity theft. Sent filed copy of FTC theft Affidavit and Police Report along with my identification ( driver ; 's license, Social Security Card, and utility bill ). After numerous calls and writing dispute letters that this is not my account the inaccurate, negative account remains on my credit report and is affecting my ability to get new credit, apartment and car.
Product: Debt collection

Nair and Levin h as sent me a notice for court with an amount of  XXXX  which is a different amount from the original amount and the company has not sent a notice to dispute. This company repeatedly breaks the law and does n't follow the fdcp. Please thoroughly investigate this company for fraud and disregard for the law.
Product: Mortgage

On XX/XX/XXXX XXXX XXXX, as the loan servicer, failed to inform me that a loan i was lead to believed was modified in XXXX, that i was current on and still paying on, was release in XXXX. It was later concluded after much research that, XXXX had placed a sanctioned on XXXX XXXX for violations and the Note was than endorsed to XXXX XXXX, the Note was a XXXX  Partial Claim for {$23000.00}. Specifically, in XXXX, XXXX XXXX was never able to apply any portion of these fund to any principal mortgage since my mortgage had been released in XXXX. Instead of just paying back the loan and informing me of the release, XXXX XXXX open up an account using my name and social security number and placed the {$23000.00} in that account. The {$23000.00} remained in this account until such time that it was released on in XXXX of XXXX and the documentation was not provided until, XX/XX/XXXX. Simultaneously, XXXX XXXX XXXX XXXX was claiming to be the servicers of the principal mortgage and was served with a Cease and Desist in XXXX of XXXX, this was honored until XXXX when DC Government created a Home Owners Assistance Program which has not serviced, even XXXX of the XXXX eligible Application received and processed. XXXX has currently transformed into XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-XXXX  XXXX XXXX. Make me a Hard inquiry without my knowledge and permission. on the date XX/XX/2017. # 2- XXXX/XXXX  on the date XX/XX/2017. make me a hard inquiry without my knowledge and permission. I am being a victim of these hard inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Paid Late. The records reflect a 120 without preceding 30, 60 or 90 days. This is a massive error. Investigate all records closely. Ensure all info is truly accurate including address. Below are the accounts that reporting innacurate : FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$50.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$4200.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$6000.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$3300.00} ; FED LOAN SERV XXXX Date opened XX/XX/XXXX Balance {$2400.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm really sad that they are displaying on my credit record because this account is not mine. Please delete it. Since this account does not belong to me and never will, I want the company to delete it. Please assist me in getting this off of my credit record as soon as possible.
Product: Checking or savings account

Sofi wont let me get my money out of my account thay trying to close it and keep my money I just want my money its my money and I need it now
Product: Credit reporting, credit repair services, or other personal consumer reports

Transworld is reporting fraudulent info on my credit I didnt open an account with them nor did I authorize anyone to do so I paid this account despite it being fraud, becauseI was informed that it would be removed from my credit I made the payment on an account that was not mine and yet the collection was not removed as promised please remove this fraud account from my credit
Product: Student loan

I 'd been paying extra on my loan for years and the way my loan was set up it pushed my next payment due date into the future. So in 2010 ( around the time Wells Fargo purchased my loan from another lender ) my next payment was n't due until this year. So I stopped making payments. 

Many times over the years I logged into the online account to check my balance due and see what I owed since I thought interest may be accumulating. I looked at XXXX different account summary pages as well as downloading pdf copies of my monthly statements. Not XXXX of them listed any accumulated interest. They all said my account balance was {$4000.00}, the same as it 's been since XX/XX/XXXX. I figured since my next payment was n't due until XX/XX/XXXX they must not be charging me interest until then either. So a few months ago I started making payments and just noticed that despite me paying several hundred dollars my account balance was the same. I came to find out I 'd accrued about {$800.00} in interest that was only detailed by going to a XXXX Account Details page via a link on the normal Account details page, that was under an Account summary page. I complained that the Monthly Statements and the account details pages that I 'd been looking at for years did n't detail list the interest, it was only found by navigating through XXXX other pages that said I only owed {$4000.00}. They basically said tough luck, " Your student loan accrues interest daily at a rate of 4.25 % which is variable. Your variable interest rate may change monthly, however youare billed for interest each month based on the principal balance. '' - They say I was billed each month for interest, but the monthly statements did not reflect that in an increase in my total due, or an line that listed the interest owed, or in any other way. 

I feel this is a very dishonest business practice. They knew my next payment was years away and hid the interest they were charging me on a sub-subpage of their website while issuing monthly statements that said what I owed them was unchanged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX are reporting a 30 late in my XXXX XXXX XXXX as wrong information. 
I have contacted the XXXXXXXX XXXX XXXX credit card issue and they told me that they have reported to the credit company to remove, but XXXX and XXXX  is decline to remove the 30 late from a report stating 30 Days Past Due and declining to remove from the credit file.
Product: Credit card

I received a new Walmart Mastercard in the mail that I did n't sign-up for. I called Walmart MasterCard Synchrony Bank fraud department and they had my social security number and address. I have never owned a MasterCard or had a Walmart card of any sort. Someone opened the card on XX/XX/XXXX and purchased something for {$700.00} ( plus ) on XX/XX/XXXX. Walmart Mastercard Synchrony Bank could not tell me who opened the card or where the card was opened, however they asked if we had an Amazon credit card. We do not, but we do purchase through Amazon and they have had our credit card numbers. That was done on Sunday, XX/XX/2017 and today ( XX/XX/XXXX ) I had the XXXX County sheriff over to file a fraud report.
Product: Credit reporting or other personal consumer reports

Im writing your company because your agency is in major violations i did not give consent to report anything on my consumer report i did not receive a notice in advance and i also know that the consumer controls whats being reported we are going public news with all the consumer laws XXXX, Transunion, XXXX, has violated from reporting illegal late payments to allowing non licensed secondary agencies to report knowing he secondary agencies XXXX XXXX XXXX and according to 15 USC 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.furthermore, i also know for a fact your reporting illegal on my consumer report 15 USC 6802 a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this SectionFirthermore you must have a license to collect in Texas Finance code 392.101 A collection agency my not collect in Texas without having a license it is illegal and a major violation..XXXX XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX IS NOT LICENSED IN TEXAS.XXXX XXXX XXXX IS NOT LICENSED IN TEXAS TO COLLECT