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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} ; XXXX XXXX XXXXXXXX Balance : {$4000.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Subject : Formal Dispute and Request for Deletion of Charged-Off Credit Card Account Violations of 15 U.S.C. 1635 and 1692g This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding a charged-off credit card account reported by [ Creditor or Furnisher Name ], which currently appears on my credit report with the account number ending in XXXX.

After conducting a full review of my consumer credit report and documentation associated with this account, I am disputing the legitimacy and continued reporting of this charged-off balance for the following reasons : 1. Violation of 15 U.S.C. 1635 Right of Rescission ( Truth in Lending Act ) : Under 15 U.S. Code 1635, in any credit transaction in which a security interest is retained or acquired in a consumers principal dwelling, the consumer has the right to rescind the transaction within three business days, or up to three years in cases where the required disclosures or rescission notice were not properly provided. 
While this credit card account was not secured by real property, the principle of material non-disclosure under TILA still applies to open-end credit when terms are inadequately disclosed, particularly regarding : Variable interest rates Late payment fees and penalty APRs Balance computation methods If the creditor failed to clearly and conspicuously disclose material lending terms under 12 CFR 1026.6 ( Regulation Z ), the underlying agreement may be unenforceable, and therefore any debt derived from that agreement may be invalid or subject to rescission or reformation.

2. Violation of 15 U.S.C. 1692g Failure to Validate Debt ( FDCPA ) : If this charged-off balance has been placed with or sold to a third-party debt collector, I hereby assert that I never received proper debt validation as required under 15 U.S. Code 1692g ( a ).

Upon initial communication from a debt collector, a consumer must be provided with : The amount of the debt The name of the original creditor A statement of the consumers right to dispute the validity of the debt within 30 days A notice that, upon request, the debt will be validated in writing I never received this required notice nor any proof of assignment, itemized account history, or original signed agreement. If the debt was not validated, any collection efforts or reporting to the credit bureaus constitutes continued collection activity in violation of federal law.
Product: Debt collection

XXXX XXXX has acted in bad faith in violation of both California law as well as Federal law by illegally retaining my security deposit and deducting expenses without providing valid documentation. The debt Fair Collections and Outsourcing ( FCO ) is attempting to collect on their behalf, {$610.00}, is invalid. 

I sent the attached letter by certified mail to XXXX XXXX detailing that they were in violation of California law and had not provided me with any receipts detailing the deductions taken in compliance with their obligations as a landlord. I also explained that any further action taken to collect or retain my deposit would be considered as being taken in bad faith and that they would be liable for enhanced penalties, attorneys fees, and fines should further legal action become necessary. After XXXX XXXX received the letter on XX/XX/XXXX, they stopped responding and refused to send my security deposit refund as required. Several months later I was contacted by FCO and notified that this illegal and alleged debt owed by me had been referred to debt collection in bad faith, thereby placing them in violation of the FCRA. 

In addition to the issues stated above, I also dispute the charges listed as being patently untrue and blatant attempts at scheming more money out of their tenants. For instance, the move in sheet provided in the documentation sent by FCO clearly states that the apartment was in an unclean condition at the time of move in, XX/XX/XXXX. This sheet was signed by XXXX XXXX acknowledging the condition at the time. Therefore, as required by California law, I am required to return the apartment in the same condition received, minus any normal wear and tear. The carpets were in great condition as evidenced by the move out inspection conducted by XXXX ( head maintenance employee ) as well as the apartment in general. As for any stains or damage to the oven range and the refrigerator, the maintenance records retained by XXXX XXXX, which they refuse to provide, clearly show that these units were old replacement units brought in mid-way through my tenancy since the original units were broken. These units came with stains and damage already on them and this was acknowledged by both XXXX and XXXX, employees of XXXX XXXX. Lastly, the bill for XXXX is incorrect and should not have been deducted from my security deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to TransUnion ( see dispute number : XXXX ) in reference to an unverified account on my credit file and I have not received a response.
Product: Debt collection

On XXXX I agreed to paid to delete for XXXX. They took first payment out of XXXX on the XXXX and I have laid XXXX already with 2 payments left. Once we agreed they reported to credit bureau and they weren't supposed to as I was never contracted with them originally. I was willing to pay off portion as a show of goodwill under certain conditions They would not list this debt as a settled account Company would not sell or transfer Would not mention to outside third parties etc
Product: Debt collection

Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.
Product: Debt collection

I am seeking assistance in an illegal collection of a debt. Not sure from where or when, but the last credit card I owed was in XXXX. Which was sold and now trying to be collected through garnishment. Illegal. The original debate was from pentagon federal, who kept extending the debt saying the card was active past XXXX  years. Then was written off and now being collected through a garnishment. I need help because they have made accusations that we have spoken and payments made. False we never did and anything they try to produce is not true. Illegal practices on both parts. The county is XXXX in Ny. Please give me a contact number to speak with.
Product: Bank account or service

Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such.
Product: Payday loan, title loan, or personal loan

I cant use my debit card to make a payment on my loan. They want to get my routing number and drain my account dry.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing inaccuracies in my credit report. Despite my previous correspondence addressing these issues, there has been no resolution or update to my credit information. 
I initially sent a letter detailing the incorrect information on my credit report, along with validation of my accounts, on XXXX XXXX. The issues I reported include accounts not belonging me, incorrect balances, name, address, foreign inquiries etc. These inaccuracies have been appearing consistently, affecting my credit score and my ability to secure credit.

I have followed all necessary procedures to dispute these inaccuracies, including providing documentation to validate my claims. However, I have yet to see any corrections made to my credit report. This ongoing situation has caused me considerable distress and has hindered my financial well-being. 
I kindly request your assistance in ensuring that these discrepancies are addressed promptly. It is essential that my credit report reflects accurate and up-to-date information.Under - 15 USC 6801 : Protection of personal information from misuse & 15 USC 6802 : Obligations to disclose and receive consent before sharing any personal financial information. 
Thank you for your attention to this matter.
Product: Debt collection

RECEIVED NOTICE OF SUMMONS & APPEAL TO APPEAR AT XXXX XXXX COURT ON XX/XX/18 AT A RESIDENCE WE HAVE NOT LIVED AT FOR NEARLY 3 YEARS, CALLED DEBT COLLECTOR ASKED TO VERIFY DEBT, WAS TOLD THAT THEY HAD SENT VERIFICATION OF DEBT IN XXXX, RESPONDED THAT I HAD NEVER RECEIVED VERIFICATION OF DEBT, ASKED IF THEY HAD LEFT CONTACT INFO REGARDING DEBT FOR MY WIFE WHOSE DEBT THEY ALLEGE IT IS WAS TOLD THEY HAD NOT ( PHONE CALLS, VOICEMAIL, LETTERS ETC. )
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I completed a refinance with XXXX XXXX XXXX, as a part of our agreement, I agreed to pay XXXX beyond my mortgage also my taxes and insurance. And from my escrow account both would be paid on my behalf by XXXX. However on XX/XX/XXXX my homeowners insurance was canceled due to non payment, I found there was a confusion with billing from my insurance and payment from XXXX, we supposedly got it sorted out, I got a new Insurance policy and thought all was taken care of. XX/XX/XXXX I am notified by XXXX XXXX ( insurance ) my policy is going to be canceled again due to non payment, I called XXXX and they told me they would send a overnight payment, again I thought all was well. The payment was not made until XX/XX/XXXX resulting in the policy being canceled. Summer of XXXX I received a bill from XXXX for my normal mortgage plus fees and fines because of " lender placed mortgage insurance '' I contact XXXX they agree to remove the fees if I get a new policy, I do so the new policy is in place XX/XX/XXXX and XXXX made the payment XX/XX/XXXX. Since that date I have continued to get bills from XXXX with fees and penalties related to the lack of insurance I have spoken to someone at there company multiple times a month to resolve the issue which in there terms was " Under Dispute '' with no resolve, until in XX/XX/XXXX/XX/XX/XXXX I noticed they had started reporting my full mortgage payments as partial payments because they did not include the fees and fines associated with the forced placed insurance. My Credit has now dropped from 800+ to 700- because of their untimely payments. I would like my credit restored and the issue resolved. +
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

someone has been going to the hospital under my identity, which is fraud. I also have active XXXX XXXX. the date of this account open is XX/XX/XXXX, XXXX and it is placed for collections.
Product: Checking or savings account

I reported an unauthorized payment to my PayPal debit card dated XXXX XXXX, XXXX in the amount of {$120.00} described as XXXX. 

My card was compromised and was issued a new card. 

On XXXX XXXX, Refund was issued for {$120.00}. 

On XXXX XXXX XXXX, Refund reversal was issued claiming PayPal was not able to resolve the issue with the vendor and regardless I was still responsible for the " Payout of buyer spoof unauthorized '' as the reason they provided. Also explained the refund issued on XXXX XXXX is only temporary but was not disclosed at time of credit issuance.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed I had two late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and are responsible for reporting consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts, so I have included screenshots inside this complaint for XXXX XXXX  in XXXX and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see the screenshot attached :
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 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, credit repair services, or other personal consumer reports

after recently review of my credit report i noticed unauthorized credit inquiries, i did not authorize please delete immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I did agreement with the mortgage company to skip three months of mortgage with the amount of {$2700.00} Each total {$8300.00}. XX/XX/2020 XX/XX/2020 XX/XX/2020 the agreement is I will pay those three payments when I refinance my house or sell my house they put a Lean on my title Our agreement not to report me to the credit report as a delinquent they did I had to go through XXXX with them to remove the delinquent and they did fix it Im trying to refinance my home they violated the law with a written request to give me my payoff and timely matter then I find out the three payments Being five or six payments equals XXXX some change they deleted my refinance so I could stay with them and pay high interest rate they gave me a full speed off about that three payments I escaped and Im still battling with them they dont wan na listen
Product: Vehicle loan or lease

wells fargo dealer services was paid off in XX/XX/XXXX and they refuse to release funds mistakenly sent to them by XXXX XXXX in XXXX XXXX, nc by simply returning the check back to the dealer when they saw the account was closed ; instead they kept the funds and refuse to release them. 

I called in XXXX, XXXX and XXXX ; One rep said the funds was sent in XXXX XXXX the next rep said the same. the next rep said it was sent back to them for the wrong address on their file. the next rep said they didn't send nothing they don't have it. the next rep said they haven't released it and it will take 120 days and there is nothing I can do about it and go ahead and report it because there was nothing no one can do, it was their rules and they will wait for the complaint to come thru and they will tell regulations the same thing in a very snobby and boastful way. I reminded them I had the loan since XX/XX/XXXX and never had a issue giving you may money and was never late, now you want to behave like kids when its time to return money that doesn't belong to you, how rude. I will never get a loan from them ever again, they are the worst bank ever in this dept. 

I filed a complaint within their excecutive office XXXX XXXX and they haven't gotten a resolution yet... XXXX case number XXXX XXXX XXXX XXXX filed XX/XX/XXXX and they got back to me on XX/XX/XXXX Acct # /Loan # XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent Equifax a letter requesting that they investigate a Bankruptcy on my credit report and provide me with the company they are using to verify this Bankruptcy.

Equifax has yet to respond to my inquiry.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below I demand that the following account be verified or removed immediately : ( XXXX  } In addition, please remove all non-account holding inquires over XXXX  days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX
Product: Debt collection

Midwest Recovery Systems is NOT licensed to collect debt in the state of Florida. Their license expired in XX/XX/2013. They have NOT renewed their license, and they have NOT notified me of any debt prior to reporting. According to the Fair Credit Debt Collection act, and the Fair Credit Reporting Act, I am supposed to be notified of a debt and given sufficient time to dispute or resolve the debt. This debt was reported without my acknowledgement and they are violating my HIPPA rights.
Product: Debt collection

om my credit report immediately. Thank you for your assistance in addressing this matter XXXX Whom It May Concern, I am submitting this complaint regarding XXXX 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, XXXX has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). The inaccurate accounts in question are as follows : XXXX. JEFFERSON CAPITAL SYSTEMS, XXXX I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, XXXX has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ]. I am requesting the following actions from XXXX through the CFPB : XXXX. Conduct a proper and thorough investigation into the accounts l 've disputed. 
XXXX. Provide me with a detailed explanation of the steps they've taken to verify or correct the information. 
XXXX. Remove any inaccurate or unverifiable information frd ensuring that XXXX complies with federal laws to protect consumers like me.
Product: Credit reporting or other personal consumer reports

I entered a Debt Management Program in XX/XX/year> for my XXXX card with account number ending in XXXX. The payment was agreed at {$130.00} each month which I have made every month on time. In XXXX XXXX reported to Equifax and XXXX that my account was 30 days late.In that same month XXXX reported to XXXX that I was current. I received an letter from XXXX in may acknowledging delayed handling of my Debt Management Program setup and that they would handle, but late reporting has persisted. I disputed this with Equifax and XXXX and both stated the reporting was confirmed as accurate but provided no proof of that. This line was never 30 days late.
Product: Credit reporting or other personal consumer reports

I have been trying to get XXXX, Transunion, and XXXX to send me a copy of the following : Method of Validation, Method of Verification, and Proof of Ownership of the account from either the 3 agencies or the Creditor itself. I am unable to receive any of these items and it causing a hardship to financials. I went ahead and made a complaint concerning the account to several other agencies that govern XXXX XXXX XXXX XXXX 
I have attached a complaint from the FDIC and the Mortgage and Savings Department of Texas for violating my rights.