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. 

ACCOUNT NAME : 1.XXXX XXXX XXXX ACCOUNT NAME 2.XXXX XXXX XXXX  ACCOUNT NAME 3.Department of Treasury XXXX ACCOUNT NAME 4 . XXXX XXXX XXXX ACCOUNT NAME 5 XXXX XXXX XXXX ALL HAVE 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 antidotes 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 information is inaccurate.
Product: Checking or savings account

I opened an online account on monday. Today, sunday, i noticed the opening deposit was returned to my other account. I called to find out why and they said it was closed and we dont have to tell you why
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX XXXX XXXX P XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX OF XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit card

The credit card added Intrest to my credit card bill for no reason and my bill was past due all because of that and they wont take the late fee and Interest off my bill!!!!!!!!!
Product: Debt collection

The debt was a result of an unpaid ticket citation from XXXX XXXX, Florida from XXXX/XXXX/XXXX. It was a red light camera ticket so no XXXX gave me a ticket. I never received a ticket in the mail, so I have no idea that I had a ticket. My license got suspended because of the unpaid ticket. I was not aware of the suspended license until I was pulled over by a police XXXX. I found out that the ticket was XXXX. So I sent a check out XXXX XXXX. The check went to XXXX XXXX XXXX XXXX XXXX and Services, XXXX. Box XXXX in XXXX, Colorado XXXX check was never cashed so I called the Clerk of the Court in XXXX XXXX XXXX I found out the ticket went to a collection agency, XXXX XXXX in XXXX, PA. I was never notified by XXXX XXXX that they took over the dept. XXXX, the XXXX turned into XXXX XXXX what I now owed XXXX. In addition the check was never cashed, at least not yet.
Product: Money transfer, virtual currency, or money service

I had my unemployment deposited into paypal. They are holding my money now for 6 months and I'm homeless.they will not answer any form on communication.
Product: Credit reporting or other personal consumer reports

This is my another refilling complaint to the EXPERIAN since it seems that I was never been heard for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent. I have my dispute letter dated XX/XX/year>, XX/XX/year>, XX/XX/year> and XXXX XXXX, alongside with this complaint is the identity theft report number XXXX allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XX/XX/2024 Attn : Equifax Fraud Division On XX/XX/2024, I, XXXX XXXX, assert that I have fallen victim to identity theft, elucidated by a series of events, and do hereby state the following is true. 

I have a history of being a victim of fraud, as evidenced by my previous FTC complaint # XXXX. Currently, I am a victim of fraud again and have filed a new complaint # XXXX involving the following accounts and inquiries that were fraudulently obtained under my name. I am seeking to have this information removed from my identity. 

Accounts : - XXXX XXXX : - Beginning : # XXXX - Ending : # XXXX - Date : XX/XX/2024 - Amount : {$5500.00} Inquiries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 - XXXX XXXX : XX/XX/2024 - XXXX XXXX ( Request Originator : XXXX XXXX XXXX  : XX/XX/2024 My current address is XXXX XXXX XXXX, XXXX, MO XXXX. 

Disputed Inquiries ID : # XXXX On XX/XX/2024, I spoke with a representative at Equifax who stated there are no negative items on my report ; however, the My.equifax.com site shows one. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Identified information in my consumer report is inaccurate and incomplete. Reporting company violated my right to privacy 15 USC 1681 section 602 A, and I want items removed immediately.
Product: Credit reporting or other personal consumer reports

Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 
XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

Trans Union, XXXX, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Debt collection

I disputed this debt to this company asking the company to provide me with viable evidence bearing my signature showing that i have a contractual obligation to pay them.And the did not provide me with nothing with my signature connecting me with them.
Product: Credit card

I ordered XXXX gallons of oil on XX/XX/year> via XXXX After the delivery I determined I had only received XXXX gallons of oil. The amount I was shorted ( XXXX gallons ) is worth {$170.00}. I tried to resolve this with the oil company and then I was forced to dispute it with the credit company ELAN XXXX  from XXXX XXXX. I submitted evidence of the shortage with a picture of my oil gauge. 

ELAN XXXX, the credit company, responded that it was a pricing dispute and decided against me citing insufficient evidence. I called ELAN and stated it was not a pricing dispute and that I had not received the full amount of fuel I paid for. I asked to speak to a supervisor and was told one would call me back. However, no one has called me back and the charge was put back on my credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed 2 separate identity theft reports to Equifax regarding fraudulent accounts & inquiries in my name. They have not removed the fraudulent information even though XXXX & XXXX has done so.
Product: Debt collection

PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX RE : Cease and Desist Request & Debt Validation Under 15 U.S. Code 1692 Account Number : XXXX Amount Claimed : {$430.00} To Whom It May Concern, I am writing in response to your recent communication regarding the above-referenced debt. I hereby request that you provide me with the following documentation pursuant to my rights under 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ) : Proof of Debt Ownership : Please provide a copy of the bill of sale or assignment contract that shows you have the legal right to collect this debt. 

Validation of the Debt : Provide all relevant documentation that verifies the validity of the debt, including but not limited to : A copy of the original signed contract or agreement between myself and the original creditor. 
Itemized accounting of all charges, interest, and fees related to this debt. 
Cease and Desist : I request that you cease all communication with me in relation to this debt, except for written verification of the requested documents or notification of legal action if applicable. This request is made under 15 U.S. Code 1692c ( c ), which provides me the right to limit further communication. 

Please understand that until these documents are provided, I do not acknowledge or accept the validity of this debt. If you fail to provide the requested documents within 30 days, I will assume that your claim is invalid, and I will consider the matter closed. 

If you persist in contacting me without providing proper validation or without addressing this cease and desist request, I will be forced to file a formal complaint with the Federal Trade Commission and the Consumer Financial Protection Bureau, and I will seek all legal remedies available to me under the Fair Debt Collection Practices Act, including but not limited to civil liability for any violations. 

Thank you for your prompt attention to this matter. 

Sincerely XXXX XXXX
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 XXXX ( XXXX XXXX XXXX XXXX ) XXXX Credit Card XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX BANK # XXXX XXXX FINANCIAL XXXX # XXXX XXXX FEDERAL XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX, Inquiries : XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Finance ), XXXX ( Finance ), XXXX XXXX XXXX bank ( Finance ) 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: Checking or savings account

Account was closed because company didn't have funds to deposit my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.
Product: Money transfer, virtual currency, or money service

Date of transaction XX/XX/2022. Gemini I deposited a total of XXXX dollars into the account. Used that amount to buy crypto. For the crypto that XXXX transfer has been completed, I wanted to withdraw XXXX dollars worth of crypto to another wallet. Gemini said that there was a security hold on my account so I couldn't withdraw. I asked Gemini support on this matter and they told me I need to send a photo of myself, my driver 's license id, and a code/date. I did that and the customer support confirmed that my image was received and they said that they would message back. I never received any update regarding the security hold after that, and it seems like other people previously have had the same issue. 

The main issue is that my current is stuck on the exchange and they will not let me withdraw even though I confirmed everything required by the support team. Also, they never let me know why there was a security hold in the first place. 

Ticket ID : XXXX
Product: Debt collection

I have been a victim of identity theft since XXXX. I have been paying off debt that isnt mines for years to have them removed from my credit file. Attached are copies of police reports since XXXX and FTC affidavit. 

I pulled my credit file, I have XXXX XXXX XXXX, immediately I contacted XXXX XXXX XXXX  to report fraud. I was advise by representative, to write in about complaint. I wrote in 4 times to this company only to receive a bill. Every time I call back they say write in they send me a bill. Each time the bill is about 600 $ different then the one before. 

After not receiving any help after sending all of my IDs and verification information and FTC affidavit the company responds only with a bill. I call and get transferred overseas and a script read to me. I thought about paying the company but a friend of mines said you can not keep paying for debts that doesnt belong to you and the company may not be real. 

XXXX XXXX XXXX refuses to follow FCRA guidelines for identity theft or for 30 day response time. Ive provided all documentation to prove identity theft. This company also opened this account after never called me to ask identifying questions which is listed on my credit file before lending any credit in my name. Ive been in contacting this company since XXXX. Sending requested information with no validation. Of debt or how it was open. I keep getting sent overseas and the debt keeps fluctuating in amount. I am unsure what to do at this point. Requesting police involvement. 

Please help, unsure what to do at this point. 

Company stating I must make payments and Is severely damaging my credit profile. This company is not following the fair credit reporting act or following ID theft laws. Also I have a freeze on credit file which states company must call to verify I am the actual person taking out debt. No phone calls received. Please help. 

- followed procedure in reporting the fraud, company responds with bill and no response to debt or fraud documents. 
- spoke with legal which advised me to file report and now sue company.
Product: Debt collection

I am being sued, when I called the number provided, I could not speak to an attorney because I was told There is not a direct line to an attorney and it is not the right department. This is a violation of FDCPA 1692e. False or misleading representation.
Product: Debt collection

I paid for a storage unit online with XXXX XXXX XXXX. The website at XXXX XXXX XXXX under " is there a contract for my lease, '' states " Our leases are month to month with a 30-day vacate notice. '' On XX/XX/XXXX I provided 30 days notice, via email, and vacated within 30 days. 
On XX/XX/XXXX my account balance was paid in full, including rent and a " merchandise '' fee for renting a padlock for the unit. 

On XX/XX/XXXX I was given a code for the padlock. 

On XX/XX/XXXX a representative of XXXX acknowledged my 30 Days Notice. 

On XX/XX/XXXX I received an email that my ( personal ) padlock had to be cut and replaced because of an unpaid balance and I was being charged for a new lock. My account was paid in full, I did not have a personal lock on the unit, and XXXX had the lock code to the rented lock they claim they cut. This was a fraudulent fee. 

Within 30 days of giving notice I completely emptied my unit, broom swept it, and returned the padlock to the padlock dropbox on the front of the building. 

In late XXXX I received an " overdue '' notice from XXXX. Multiple emails were exchanged where they claimed first that I did not give notice, next that I did not give notice in a particular way that they wanted ( and that was never communicated or agreed to ), and then that per a lease agreement I had to pay for XXXX. 

I asked for the lease agreement and they did not provide it. 
I later asked for all signed agreements and they would not provide them. 

I emailed XXXX several times from late XXXX to early XXXX. In early XXXX they told me that since I still had not provided notice in the way they wanted, on a form they had not given me, that I then owed for XXXX, XXXX, and XXXX. I stopped engaging at that point. 
They never provided any form of lease agreement, signed or otherwise, and no agreement can be found on their website, in any correspondence, or through any internet search. Yet, they continue to claim I agreed to unknown leasing terms. 

I heard nothing else about it after XXXX. On XX/XX/XXXX while doing a semi-regular credit check I notice that I had missed payments to a collections agency for XXXX, XXXX, and XXXX. 
Upon calling the agency they told me they were collecting for XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  - {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX  - {$800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

For over a year I have submitted dispute letters to Experian Credit Reporting Agency to verify and remove several incorrect items from my credit report. The items were never verified by my signature on any of the account in question. As a result my credit score has suffered and I have been denied credit, which added negative " Inquires '' to my credit profile. It has been a negative chain reaction as a result of the neglectful investigation policies of Experian.

It is my understanding that Experian uses a computer authentication process, which clearly has flaws and is again negatively affecting my score. The accounts and inquiries below should all be removed from my Experian report for failure to produce an adequate signature from the debt collector. 

XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXXXXXX XXXX - XXXX ( Never Late Company had a {$250.00} Deposit ) XXXX ( Inquiry ) Denied Credit XXXX XXXX ( Address Removal Have not Lived there in over 30 Years ) XXXX XXXX XXXX XXXX ( Add to Personal Statement section ; Owned for 24 years ) If Experian can make these corrections I will not seek legal recourse. 

Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not updated my credit score in 5 months it still shows the same score as the last time I complained. I have paid on Time. There is civil/ constitutional rights violations going on at the government level. My score needs to be properly updated or I need civil action taken against all three credit bureaus and the government entity and its employees who are committing this crime to be prosecuted! I have the right to access my correct credit score and have the right to seek credit without being turned away due to malicious credit reporting. Im past fed up.
Product: Debt collection

Upon moving out of my property rental that I had professional cleaned and hired a contractor to come and put the property back into better condition than received, I have several pictures of the unit prior to move in, I received a tenant charge back in the amount of {$4400.00}. The charges with clearly padded, therefore I decided to file a small claims against the property management company. Right before we were set to go to mediation, the owner of the property management company called and asked if I would settle for {$2600.00} in which would be covered by my surety bond of {$2700.00}, causing no money for me to pay out of pocket. I agreed to the amount and we had documents signed with the agreement. Then next I receive a attempt to collect for my surety bond in the amount of {$2700.00} plus an additional {$1700.00} for the {$4400.00} amount. I submitted all of the documents to the collection agency before the deadline. Never received a response back from them but then check my credit and see that it was turned over on my credit report. I also contacted the surety bond holder who attempted to work with the owner of the property manager and he would not cooperate.
Product: Mortgage

Complaint : Citimortgage : negligence in processing of my mortgage application and then changing their reasons for a denial of credit. 

Filed mortgage application XXXX, which was to close on a property at XXXX XXXX XXXX, XXXX XXXX, on XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX XXXX XXXX, I received a call from XXXX XXXX advising me that credit was denied. He stated that it was not me, but that the HMO   apparently was having financial problems. I had been denied access to the financial documents by the HMO because I was not, at that time, an owner of one of their properties. Now I am not disputing the fact that Citimortgage had reason to deny the mortgage application for that reason, but that they charged me {$670.00} for an appraisal when they had documents in their possession from the HMO which indicated that the credit application would be denied. 

The other reason for the denial of credit was that they were unable to verify residence or occupancy. At no time did Citimortgage ask me to verify my address. I could easily have provided them with copies of my lease, and/or utility bills with my address on them. Credit reporting agencies also accept bank statements as proof of address, and they had in their possession multiple bank statements from XXXX XXXX and XXXX XXXX XXXX with my address on them. In addition, they had a copy of my GA XXXX, which also has my address on it. 

I received two letters from Citimortgage regarding this situation. The first, dated XX/XX/2019, mentioned the reasons stated above. The second, dated XX/XX/2019 mentioned only that they were unable to verify my address, which is a lie. They never asked me to verify my address, which I could easily have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent hard inquiries that I asked Transuion to remove. XXXX and XXXX   removed them and help me set up credit alerts so it won't happen again. Some one is trying to extend credit with my information. I filed a dispute already but they said they cant do it until 2 years. I just want them all deleted Im trying to establish credit not destroy it.