23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented an apartment at the XXXX XXXX XXXX XXXX complex located in XXXX XXXX, California. At the end of my leasing they charged me an amount of {$1700.00} for daily rent, carpete replacement, and cleaning. I paid this amount and have the prove. Once I moved out of this apartment complex I left the county for a few months. Once I returned I start to get daly calls from a collection agency called IQ Data International asking me to pay the amount I already paid. I told them the debit was paid over and over and they kept calling me and treating me. One year later I received a credit scor notification that it was significant lower due this debit. Once I saw that info I contacted the collection agency and they hangoff the phone oh my face after mistreating me. I called again to get the details of my debt they reused to provide. Then I called again and finally spoke with someone who was able to comfirm that the the checks they were looking for were paid to XXXX XXXX  XXXX   XXXX. They asked me to mail them with a letter asking to dispute the charge. But after or this discrepancy Had my credit score from XXXX to XXXX for a debit that has been paid since a year ago. Please let me know if I can sue either the apartment complex or the collection company. 

I look toward to hearing from you soon Thank you
Product: Money transfer, virtual currency, or money service

I received funds two days later no funds received and account closed due to " suspicious '' activity no access to retrieve records
Product: Credit reporting or other personal consumer reports

PER 15 US CODE 1681 ( b ) ( 2 ), 15 US CODE 1681 ( a ) ( 1 ), 15 USE CODE 1681 ( C-2 ), 15 US CODE 1681 ( a ) ( 2 ) ( a ) ( i ) these accounts need to be removed asap. Once again per statues above this account needs to be removed asap THIS ACCOUNT DOES BELONG ON MY CREDIT REPORT REMOVE FROM ALL CREDIT REPORTING ASAP
Product: Mortgage

My loan mortgage was purchase by OCWEN and its been the worst ever. Today I got a letter/statement saying my mortgage payment was going from XXXX to XXXX due to Escrow Balances and taxes going up. I called them and all I was told that they were sorry and that they could send me form based on approval to lower my increased by 2 % and I 'm paying 10 %. I wanted a refinance but they would not do that no reason given. I 'm retired and I can not afford any more increase on my mortgage this has been the worst ever. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion XXXX XXXX XXXX  : The following has been requested : * according to the FCRA 609, 611 I requested a signed contract/or lease on the following dates : 3/8/2019, 4/25/19, 6/21/19, 7/24/19, 8/22/19 never producing any documentation with my signature.

* In addition twice they responded over 30 days to respond as of today 11/19/19 I have not received any response for the 8/22/19 mailing.

* Also there was inaccuracies on the previous responses. {$0.00} value was expressed which made no sense to me.
Product: Checking or savings account

On XX/XX/XXXX someone hacked into my bank account and did a wire transfer of a total amount of {$4200.00} from my accounts. I reported it to the bank changed accounts and the very next week on XX/XX/XXXX someone went into my new account and did another wire transfer of {$1300.00}. I report all incidents and have the print out of the first XXXX transactions but the bank said I had to file the claim that could take up to 3-5 business days. They have only returned {$2200.00} but have tried to refuse to refund the remaining balance of {$3200.00} trying to say that it was connected to my IP address and facial recognition which was not me that did it. I've been with the same bank since XXXX and have never done anything like this in the past and they are trying to decline to repay the money that is owed. It was sent by wire transfer to XXXX XXXX  XXXX XXXX  by someone named XXXX XXXX and XXXX XXXX. I've never heard of these people and if you need the other person 's info I will have to get it from the bank since they did not give me a print out. I just want to make sure I file this report because it was fraud on my account and need to see what I can do. They also have been holding our direct deposits that went to the account due to not being able to change the direct deposit to our new bank and they have held onto these funds sine XX/XX/XXXX. And its XXXX weeks later and I still have not received my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  # XXXX, Account # XXXX,, Account # XXXX  XXXX XXXX, Account # XXXX XXXX # XXXX, Account # XXXX XXXX XXXX inaccurate, not verified, Account # XXXX XXXX XXXX  # XXXX, Account # XXXXXXXX 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 an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. These are clear violations of my federally protected consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter to help establish a legal recourse. If you choose to not block the item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law ... Please remove/block the item this is a fraudulent & was opened without my consent or knowledge ... XXXX XXXX XXXX XXXX Date Opened : XX/XX/2012 Balance : {$0.00}
Product: Checking or savings account

So today on XX/XX/2019 my account was suddenly closed without warning. I usually get text notifications when my mom 's coworker 's send money to my account. They do this because my mom has no idea how to work technology so it is easier for her coworkers to send me the money and take it out of the atm. I had been doing this for quite a while now and there had never been any problem until today. So today I received a text that said I would no longer receive notifications for any quick pay transactions. This worried me and so I logged into my Chase account and it said my account would be closed due to " suspicious activity ''. Since today was pay day for my mom and her coworkers I had about 6 quick pay transactions go through to my account before it got closed. After failing to log into my account through the Chase app, a number was given to me to call in order to inquire about my account. So I called XXXX XXXX in order to find out why my account was closed. After talking to a representative the only thing I was told is that they are not allowed to disclose the reason for closing my account and that my money would be sent as a check in the mail and that I would no longer be able to be bank with Chase again. They asked for my debit card number since I do not remember my account number. After the phone call I received an email that said the phone number on my account was deleted. I started to get suspicious so I went to my nearby Chase bank and asked about it all. I was told the same thing that was told to me in the phone call and left after being told that my money would be sent in the mail as a check. I would like to note that there was no prior warning to shutting down my account as I was able to make purchases and access my account one day ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to apply for credit and was turned down. That's how I found that there was a 2nd Bankruptcy reporting under my ss #. I requested with all 3 major credit reporting agencies by letter on XX/XX/XXXX to remove this incorrect information also providing proof of the error. As of today I haven't heard from XXXX XXXX, Equifax or XXXX. However XXXX received the same request as proof of their company error and sent a letter stating they did an investigation and found it to be correct. As you will see from all the paper work attached that I provided clearly states that it is not his bankruptcy. I called and spoke with rep from XXXX who really could have cared less on XX/XX/XXXX and as of today still haven't heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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 Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : 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

I have been waiting for a late payment to come off my report for 60 days its been almost 90 days, the Creditor of my account sent a letter out XX/XX/XXXX and there is still no change of the account, This late payment is ruining my life. The creditor has requested that the XX/XX/2021 must be accurate to paid on time. I have attached my license and the letter from the Creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   XXXX , I contacted  XXXX   XXXX  Services regarding an open account showing on my credit report from  XXXX . A very rude female spoke to me and said this account had been paid in a judgment against me in  XXXX . I request for her to update my credit report to show this matter had been handled and to please remove from my credit report. She told me to contact the credit bureau to dispute as they would not remove otherwise or provide additional information for that I needed to contact the court who handled the matter.   -That same day  I f iled a dispute with Equifax who submitted a dispute on my behalf with the company only to conclude on the  XXXX  of  XXXX  as a valid account, response I am assuming was from the original collection agency I contacted before. The account still shows open and a debt due to them.   - The judgment itself at the time had been done in an illegal manner, as I was never contacted to make payments on the account or told there would be a hearing on the matter. The court ruled to take 25 % of my paycheck not acknowledging that I was unable to pay at the time being a single mother with bills to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reporting multiple inaccuracies on my credit report such as unauthorized inquiries and inaccurate late payments ive submitted multiple complaints asking for it to be investigated and corrected without sucess
Product: Checking or savings account

This is a follow-up on my prior complaint with blockficom so if you look prior you will see a complaint. 

Now they are supposedly allowing people to withdraw their cryptocurrency however the problem is is that they require a verification that in my opinion and experience of trying over and over XXXX plus times is impossible to meet. 

I have submitted as per their directions a front and back of my driver 's license which is a brand new driver 's license that has my current information on it. 

I've tried with multiple smartphones and also my computer with different cameras to take pictures of the front and back of my driver 's license. 

I have also scanned the front and back of my driver 's license and made sure that the doctor inch where is high resolution as possible to meet the verification. 

No matter what I've tried it always says at the end that it can't verify my Identity or can't verify the photos. 

I have also reached out to blockfi.com customer service and they were at no help at all is it didn't even look like they knew what they were talking about. They responded that I tried to upload pictures of a national ID and not a driver 's license which is not true it is a driver 's license and I have pictures to prove this.
Product: Credit reporting

Trans Union -- what a wonderful company ( lol ). Will not give me my free credit report for the year unless I pay for it. Trans Union online dispute form is always down and will not allow me to sign in or sign up. The security questions I have to answer truthfully are not factually correct to access my free online report. So when I answer truthfully then Trans Union claims I am not who I say I am. There are many problems with Trans Union. I ca n't be the only consumer to complain about Trans Union and these issues. XXXX/XXXX credit card has been closed by me for more than 10 years yet XXXX and Trans Union refuses to delete this from my credit report. In the meantime Trans Union denies me free online access to my credit report as well. Why? Trans Union, a XXXX XXXX XXXX taking advantage of the consumer.
Product: Debt collection

EVERYTIME I OPEN MY CREDIT REPORT, THESE FRAUDULENT ACCOUNTS I'M SEEING ARE STRESSING ME AS THESE ARE NOT MINE AND DEFINITELY UNAUTHORIZE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX continues to furnish inquires on my credit report. Requested written authorization and company failed to comply according to FCRA Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a victim of identity theft I notified Experian of Fraudulent accounts that appeared on my credit in XXXX of 2019, yet to no avail. I sent the dispute in both through mail and through the CFPB Portal when I heard nothing. I am filing this complaint as I can not get my dispute heard with direct issuance to Experian of the following account : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX XXXX # XXXX and # 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 and account without my written instructions.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Missing and Inaccurate Account Information Dear CFPB, I am filing a formal complaint against Experian for failing to provide complete and accurate information regarding my credit report for account XXXX. Despite multiple requests for correction ( letters dated XX/XX/year> and XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Since my last dispute, nothing has changed, and the inaccuracies persist.

FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The absence of detailed reporting suggests a failure to comply with this requirement.

Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case.

Reporting incomplete information violates 15 U.S. Code 1681s-2, which prohibits the omission of essential data regarding accounts.

Summary of Errors and Discrepancies : Missing account details such as balances, high credit limit, and payment history.

No reported late payments ; however, the omission of critical account information creates inconsistencies in my credit profile.

Impact on Creditworthiness : The lack of comprehensive and accurate information in my XXXX report has created discrepancies across credit bureaus, undermining my creditworthiness and leading to financial harm. 
Desired Resolution : Immediate inclusion of all relevant account details in my credit report.

Written confirmation of the updates.

Assurance that the reporting will be accurate and consistent moving forward.

If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with relevant agencies such as the Consumer Financial Protection Bureau ( CFPB ). 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon meticulous review of my consumer report, I have uncovered egregious transgressions under the Fair Credit Billing Act. These violations, including the unauthorized dissemination of my personal information and the reporting of late payments without my explicit consent, have inflicted profound and irreparable harm to my creditworthiness and financial standing. As a direct result of these actions, I have suffered significant obstacles in accessing essential financial services and opportunities, severely impacting my livelihood and prospects. 
It is imperative to underscore the stringent requirements outlined in statutes such as 15 U.S. Code 1681 and 12 CFR 1016.7, which unequivocally emphasize the paramount importance of accuracy, fairness, and privacy in consumer reporting. The wanton disregard for these fundamental principles not only constitutes a blatant breach of federal law but also undermines the very fabric of consumer protection and financial integrity.

Furthermore, the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681-1681x, expressly affords consumers the right to dispute inaccurate information on their credit reports. Any derogatory information that is inaccurate, outdated, or unverifiable must be promptly rectified or removed to preserve the integrity of the credit reporting system. Failure to adhere to these statutory obligations not only erodes trust in the financial system but also exposes XXXX, XXXX. to significant legal and reputational repercussions. 

Moreover, the unauthorized disclosure of my personal information constitutes a reprehensible violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S. Code 6802. This act unequivocally mandates financial institutions to uphold the utmost confidentiality and security of consumers ' personal information. XXXX, XXXX. 's blatant disregard for these statutory imperatives not only reflects a callous indifference to consumer rights but also underscores a flagrant disregard for ethical and legal norms. 

I demand immediate and unequivocal cessation of these unlawful practices and the expeditious removal of any derogatory information reported without my explicit authorization. Failure to comply with these directives will not only precipitate severe reputational damage but also expose XXXX, XXXX. to substantial legal liabilities, including but not limited to civil penalties and punitive damages. 

I urge you to heed this admonition and take swift corrective action to rectify these egregious violations. The gravity of this matter can not be overstated, as each moment of inaction perpetuates unwarranted harm to my financial well-being and undermines the integrity of the credit reporting system. 

Your prompt and decisive response to this urgent matter is not only warranted but also imperative. I trust in your commitment to upholding consumer rights and ensuring accountability for these grievous transgressions.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again, I'm notified that I'm entitled to my credit file, and once again ALL THREE bureaus found an arbitrary means of denying my request : XXXX : Sorry, you have an open dispute, so we can't provide your report XXXX : Sorry, we can't verify your identity, so we can't provide your report. 
Experian : Sorry, we can't give you your report, but we don't know why. 

This is the third time that I'm making this complaint. I'm tired of it.
Product: Credit reporting or other personal consumer reports

The credit agency is reporting a bankruptcy on our credit report based on information from Lexis Nexus, a provider we consider fraudulent. Lexis Nexus has not demonstrated the ability to verify the accuracy of the data they supply. Additionally, the bankruptcy court, as the sole direct provider of this information, does not confirm its accuracy, as confirmed in the attached letter from the clerk of courts.

The court is the only entity in a position to attest to the accuracy of the information, thus undermining Lexis Nexus 's ability to accurately confirm it. Given the agency 's reliance on Lexis Nexus, which is unable to independently verify the accuracy of the information, we demand the immediate removal of this item from our credit reports.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX Balance Owed : {$360.00} ; DEPTEDXXXX  XXXX Balance Owed : {$280.00}.
Product: Debt collection

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Sunday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.