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

I spoke to Transunion today about inaccurate address on my credit report. Credit report XXXX. I told them the address that does not belong to me and that I have never ever lived at that address. The agent told me that he could not delete it and I insisted to him the address is wrong. I am concerned about identity theft and I want this address removed before I take the next step to filing a lawsuit. It is the credit bureau job to report accurate information and at this time they are not. I am angry and appalled about this. The only address that is correct is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. The other address XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX is WRONG. I hope to have this remedied as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX XXXX XXXX : XXXX XXXX BUSINESS TYPE : XXXX XXXX  DATE OF INQUIRIY : XX/XX/2021 XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Mortgage

i have owned my home for 20 years and shellpoint mortgage just bought my mortgage in XX/XX/XXXX from XXXX XXXX. They wont take any payments from me and files for foreclosure. I was in a bankruptcy chapter XXXX from XXXX to XXXX and paid double payments of {$980.00}. My mortgage was XXXX and i paid {$430.00} a month for 13 years, and i paid XXXX for 5 years. At the end of the bankruptcy XXXX said I was making wrong payment and was still behind. I paid over XXXX in 5 years. So thats impossible, and now till me i owe XXXX, thats more then i even started with. XXXX added XXXX to my mortgage in the bankruptcy and now shellpoint is doing it. In reality I should only owe about {$35000.00} left on my mortgage. My bankruptcy was handled wrong and Im being overcharged completely for somthing I didnt do. I paid what the Judge told me to and never had a problem paying my mortgage. I am not on XXXX and connot work but I do recieve ssi of XXXX a month. I stopped working in XXXX and went from making XXXX to XXXX a year.XXXX XXXX XXXX said I owed XXXX in XXXX and I paid XXXX from XXXX to XXXX in chapter XXXX plus I made payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and then XXXX stated I was declined for modification. I need help, my mortgage is being handled wrong and so was my chapter XXXX. I dont want to lose my home. Can you help me?
Product: Credit reporting or other personal consumer reports

The company TransUnion is a fraud.. its not a credit report site.. out of the their hidden suppose XXXX XXXX monthly fee.. they took a total of {$87.00} from me from just signing up.. i tried to talk to one of the agents but they took me in circles along with their glitchy login website.. So I'm basically locked out their website where they can do whatever they want with the information they have on my credit card and who knows what they can do to my identity.. because my SSN is with them.. i never even got an email account verification from them either..
Product: Debt collection

After viewing a copy of my credit report, l noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that l possess, and I am seeking the name and hospital/medical provider to which l owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold-validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please accept this letter as my formal debt validation request, which l am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
Product: Debt collection

Company reached out to me in regards to a debt that I did not have any prior knowledge of. Company fail to disclose any information other than an address associated with the debt, where I never lived or had any association with.
Product: Checking or savings account

Wells Fargo atm took my money and will not refund it. Because of this, my mortgage will now overdraw and my account will be charged extra money.
Product: Credit card or prepaid card

In  XXXX  of   XXXX   I received a bill for annual fee of {$95.00} for a credit card I did not use. I called to cancel the card and the customer service rep was very reluctant to close the account for me and said that if I kept it open she would credit the {$95.00} annual fee after I activated the card. The card did not arrive and I was charged {$95.00}. After multiple calls I finally received the card and activated but continued to receive past due for {$95.00}. After multiple additional calls I canceled the card and was told the fee would be waived. I continued to receive past due notices and a collection letter. I made additional calls and guaranteed it has been handled. I am requesting copies of letters sent to credit bureaus clearing this false late charge and documentation showing closed account with zero balance fo r Citibank  card ending in  XXXX . Please refer to the account notes and customer service calls  ( recorded ) to Citibank  to clarify and resolve this situation ( starting in  XXXX    XXXX   to present ). I am also contacting the better business bureau and the state attorney general 's office with this complaint.
Product: Money transfer, virtual currency, or money service

I used PayPal to purchase something for the first time and didnt realize it was a scam but now they are saying they cant do anything about it because the setting that were set on my purchase.
Product: Credit reporting or other personal consumer reports

I contacted Transunion and asked for them to investigate & remove the inaccurate account from my consume report that they are illegally reporting and i requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
Product: Debt collection

I do n't have much information on this account, i just saw it pop up on my credit report. This debt is not mine. I do n't owe anything.
Product: Credit reporting or other personal consumer reports

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


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

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

my checking savings and credit builder account were all empty by way of theft i reported the incident and my claim was denied i liled a criminal complaint and still my clame for missing XXXX totalimg over & XXXX ive never been so insulted by the XXXX they handled my claim and the teason why they denied my claim was do ignorant please look into this issue for me the bank is chime
Product: Credit card or prepaid card

XXXX purchased tickets for XXXX world cup through XXXX in the amount of {$1200.00} XXXX found out that XXXX has issued warnings against XXXX, declaring the merchant an unauthorized seller and warning people that they will not XXXX ticket holders into the stadium. XXXX has filed a criminal complaint in a XXXX court, declaring the tickets " illegal '' and " illicit '' XXXX as soon as I found out, I contacted the bank to cease the transaction and did not resell the tickets because of the illicit nature of the tickets XXXX - XX/XX/XXXX asked XXXX for refund and for them to not send me the tickets. They aggressively continued insisting and passed along my information to the sellers who contacted me personally. ( I or the airbnb host in XXXX XXXX never received the tickets. ) XX/XX/XXXX Purchased ticket through XXXX and through a friend in XXXX XX/XX/XXXX sent relevant information to bank including XXXX 's statement that it has filed a criminal complaint against XXXX. Also sent along consumer reviews in XXXX about XXXX 's shady practices as well as British gov inquiries into said practices XX/XX/XXXX Bank of America denies request without providing further information. After calling them, they said they  did not have receipt. I resend. 

XXXX bank says they could not identify " billion error '' but that they would have issue a partial refund until more information from merchant XX/XX/XXXX After refund was withdrawn, I calling bank, which said that they would not accept press releases and that they need a specific letter XXXX that the specific transaction would not be authorized XXXX XXXX refuses request XXXX I reply to XXXX saying that all I need is a letter declaring their policy and that they would not have let me into the stadium with a Viagogo ticket XXXX After not getting results via phone, contacted XXXX via form again, again requesting a simple letter that they would not have me into a stadium with a ticket from XXXX. 

XXXX I find out through a call with the bank that the case should have been investigated through fraud, not billing error. Representative says bank will re-open XX/XX/XXXX Bank of America says that they could not find " billing error, '' when the representative phone told me that the investigation would be one about " fraud. '' Bank tells me it has notified  credit institutions about my complaint. 

XX/XX/XXXX XXXX responds with the same generic message
Product: Mortgage

I XXXX XXXX submitted a full modification package to a mortgage servicing company known as XXXX XXXX. There was a complete modification package submitted in XX/XX/XXXX and another one submitted in XX/XX/XXXX whereas the file took nearly one year in underwriting review and was rejected because there was a lien on my title from the divorce attorney that handled my divorce. I then re-submitted a new modification package with a copy of the lien release. All of my financial conditions were met to qualify for a home modification. As my loan was in final underwriting review, XXXX XXXX sold the servicing rights to my mortgage to Mr. Cooper, formerly Nationstar Mortgage. I now have to send in a full modification package for the third time. Fortunately, I have all of my documentation together and I can expedite a full modification package once I receive a clean mortgage assistance application. I have made this request on several occasions within the past 30-days, even with the bank 's attorneys as my mortgage was thrown into a foreclosure process during my divorce. My case was badly handled by XXXX XXXX and now I'm seeing the same lines of communication going in the same direction with Mr. Cooper. I am more than qualified to handle the completed modification payment arrangements. I will file a formal complaint with the Federal Deposit Insurance Corporation on this abusive collection practice that could easily be resolved with the right professionals at Mr. Cooper. I am in dire need of assistance from the Consumer Financial Protection Bureau to expedite my rights under the Fair Debt Collection Practices Act amended version of XX/XX/XXXX. I demand that my modification assistance application be emailed to me immediately so that I can process and forward a full modification package for underwriting review.
Product: Debt collection

XXXX XXXX XXXX / XXXX / {$840.00} XXXX XXXX/ XXXX / {$940.00} XXXX XXXX / XXXX / {$15000.00} XXXX XXXX / XXXX / {$1300.00} XXXX XXXX / XXXX / {$600.00} XXXX XXXX / XXXX / {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX XXXXXXXX Balance : {$0.00}-
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act convergent account XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, Has violated my rights. 

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

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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, XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit 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 Federaly Protective consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

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

15 USC 1681 ( a ) ( 5 ) section states no reporting agency may make any consumer report containing any of the following items of information .Any item of adverse information other than records of convictions of crimes that antidates the report by more than 7 years. 
A person should not furnish any information relating to a consumer by any consumer sumer ageny
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report. 

List of accounts to be deleted. 
XXXX Late Payment Report in XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX The reporting of these account is violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 
Best regards, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received two Cash App cards in the mail with my first, middle, and last name on them. The cards had different account numbers. On one of them, my middle name was capitalized and on the other one it wasn't. I have tried calling Cash App on multiple days and can not get anyone to answer the phone, no matter which option I select. A recording says that no one is available to take my call and hangs up on me. I was told by XXXX Bank that I need to contact Cash App through their app or call the phone number that I've already tried several times. I do not want to activate these fraudulent cards by downloading the app or by logging in to the app. I want to speak to someone from Cash App.
Product: Student loan

Im in good standings with my loan from fed loands i never missed a payment, i called in whenever i try to make payment arrangements,, please erase late marks from my credit report
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I don't have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they did not provide me with the original contract as I've requested. Per the privacy act of 1974 there has been a violation of my privacy. Per 15 usc 6508, as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given written unwritten verbal and nonverbal per 15 usc 6802. The obligation to respect the disclosure of personal information per the FCRA.
Product: Debt collection

I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question XXXX OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.