23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of there are the inquiries that I've found : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Debt collection

My debt is regarding a " Cleaning Fee '' in the amount of {$490.00} USD that is apparently owed due to my move-out. However nowhere in my lease contract states such cleaning fee or amount. I would have taken that in mind before even signing the lease, and make my own decision on to move in or not. I turned in my Move-out letter accordingly 60 days early as I was not renewing my lease. My Lease contract ended in XX/XX/XXXX, and I left the apartment in the same condition I moved-in. I'm a student and I had very little pieces of furniture. After receiving emails about the amount owed which at first was in the full amount of {$660.00} USD. I contacted the credit agency and asked what the fees were exactly. They weren't unable to tell me because they were waiting for a document to be submitted to them from the Apartment Complex. I contacted the apartment complex, and they weren't aware of anything. I called the Debt agency again because they had promised me they were going to once they received the itemized charges. They finally sent me a link were I was able to sign up and see what the charges were. I told them how outrageous and how there was no way I was going to pay some " cleaning fee '' when I know how I left the apartment. Also, taking in mind how the contract never disclosed such fee when you move out. I agreed to pay the other charges because they made sense to me, since on my last month living there my rent seemed to be a smaller amount that what I was usually paying monthly. So I went and gave them my credit card number and paid the other fees, which were mainly for Amenity fee {$0.00} USD, pest control {$7.00} USD, tenant rent {$61.00} USD, utilities admin chargeback {$12.00} USD, trash recovery {$11.00} USD, valet waste {$1.00} USD, sewer recovery {$23.00} USD, and water recovery {$50.00} USD. totaling {$160.00} USD paid on XX/XX/XXXX. I kept telling them that I was disputing the {$490.00} USD " Cleaning Fee '', because that was not part of the contract, and also because I left the apartment in the same cleaned condition I moved in to. I have contacted the Debt agency and they aren't able to do anything to make this right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1992 SS # : XXXX Dear Consumer Financial Protection Bureau, I am writing to implore your assistance in addressing a series of egregious violations that have had a profound and devastating impact on my life. These violations concern the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other pertinent consumer protection laws. 

1. XXXX XXXX - Account XXXX : XXXX Violation : Disputed item appearing on credit report without evidence. 
Violation References : FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) 2. XXXX XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) 3. XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate information on a collection account ( late payment or past due ). 
Violation References : FCRA - 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( a ) ( 5 ) 4. XXXXXXXX XXXX - Account Number : XXXX Violation : Misleading false reporting, potentially violating FDCPA Section 807. 
Violation Reference : FDCPA - 15 U.S.C. 1692e These violations have not only eroded my financial stability but have also taken a tremendous toll on my emotional well-being and aspirations. 

Personal Hardships : Allow me to share the emotional journey these violations have thrust upon me and my family. The inaccurate and unverified items on my credit report have been a dark cloud that has loomed over us for far too long. 

The ramifications of these violations have reached every aspect of my life. Due to the stain on my credit history, I have been unable to secure loans at reasonable rates to fund crucial investments, such as my children 's education or purchasing a home suitable for my family. It has been a dream deferred, a vision of stability perpetually out of reach. 

Furthermore, the emotional anguish has been immeasurable. I've watched my family 's hopes and dreams slip further from our grasp, all because of circumstances beyond our control. The daily stress of financial uncertainty has strained relationships, and the sleepless nights wondering how to provide for my loved ones have taken their toll. 

I implore the Consumer Financial Protection Bureau to champion the rights and protections bestowed upon consumers under the FCRA and FDCPA. With a heavy heart, I earnestly request that you undertake a swift and thorough investigation into these violations, and ensure that the respective creditors promptly remove these unverified and inaccurate accounts from my credit report. 

Removing these unjust blemishes would offer a glimmer of hope and a pathway toward rebuilding my life. I am counting on your commitment to justice and consumer rights to help me regain my financial dignity and provide a brighter future for my family. 

Thank you for your unwavering commitment to consumer protection, and I eagerly await a resolution that will alleviate my burdens and restore my hope. 

Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

For cryptocurrency exchange Gemini Trust Company , LLC, Address : XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Going back before XX/XX/2021 I had contacted them as they blocked my account for suspicious activity. After repeated helpdesk requests I was able to logon to my account and noticed my balance of approx. {$29000.00} was missing. I made additional help desk requests to what happened to my balance but they never even to today responded to my request. At that point I submitted a complaint to the NY XXXX  and they got a negative to they were working on my complaint response. 
I then filed a complaint with the New York State Department of Financial Services who has authority over Gemini. I received a negative response as I wasn't a NY consumer, I live in Virginia and I did all my business with Gemini using their web site. 
I then filed another complaint with the Virginia Bureau of Financial Institutions who have contacted me and are working my case. They suggested I file a complaint with you the CFPB which this is. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

For the past several years, my Social Security monthly benefit payments have been transferred into my checking account at Wells Fargo Bank on the XXXX  Wednesday of each month. This was done per Social Security Policy. As of today, the payment schedule remains their policy with respect to my monthly payments. 
Recently, under a new service called " Early Pay Day '' Wells Fargo notified me, in writing, that my Social Security deposit would be available two days earlier than the usual XXXX Wednesday of the month. 
I have banking and financial analysis experience and am a CPA ( Inactive license ). I am concerned that this " Early Pay Day '' is nothing other than a short term loan from Wells Fargo for which they collect interest. 
Alternately, I am concerned that, for reasons for their own, Wells Fargo is artificially inflating my deposits on had for the sake of their financial statement presentations. With over 85 million customers this could be a huge misleading effort. Based on the news of the past few years, this would not be the first time Wells Fargo has pulled such a stunt. 
If Social Security has not changed their cash availability date, how is Wells Fargo able to make the payment available? As of this morning, my monthly payment shows on my Wells Fargo web site account as " Pending Deposit. '' Yet the Wells Fargo representative I spoke with assured me the cash was available when it appeared yesterday, two days early. 
Based on their past history of fraudulent activity, I am concerned that Wells Fargo may be trying to perpetuate another scam. Please advise.
Product: Credit reporting or other personal consumer reports

Heres a letter Ive used in the past : Subject : Complaint against Trainsunion Dear Consumer Financial Protection Bureau, I am writing this formal complaint against TransUnion in hopes of seeking resolution regarding the reporting of negative claims on my consumer credit profile. I believe that certain claims have been inadequately or un-demonstratedly asserted, and I am deeply concerned about the accuracy and integrity of their reporting practices. 
My primary complaints are as follows : 1. Failure to Ensure Accurate Reporting : I firmly believe that TransUnion has not taken adequate measures to ensure that my consumer credit report profile is reported factually, ethically, and in compliance with federally-defined timeliness. The reporting should also be physically verifiable and validated, adhering to the mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards without any omissions or deviations. 

2. Deviation from Established Reporting Standards : Based on my understanding of CDIA 's CRRG manual ( see CRRG 3-4 ), any deviation from the Metro2 standards jeopardizes the integrity of the data. I am concerned that Trains-union may not be adhering to these established standards, which raises questions about the credibility and reliability of the reported information. 

3. Lack of Documented Proof : Despite my attempts to contest the reported information, TransUnion has not provided sufficient documented proof confirming the accuracy and compliance of the negative claims asserted against me. As a consumer, I have the right to demand evidence of reporting appropriateness and adherence to regulatory requirements. 
I request that the Consumer Financial Protection Bureau take appropriate action to address my concerns and ensure that TransUnion rectifies their reporting practices promptly. Specifically, I demand the following : - Immediate removal of any unproven or inadequately reported negative claims from their records and future reporting until they demonstrate provable adherence to reporting standards and regulatory mandates. 

- A comprehensive review of Trainsunion reporting practices to ensure that they comply with federally defined timeliness, accuracy, and completeness standards. 

I trust that the Consumer Financial Protection Bureau will handle this matter promptly and diligently, safeguarding my rights as a consumer. I appreciate your attention to this complaint and look forward to a positive resolution that restores the accuracy and integrity of my credit history. 

Thank you for your assistance in addressing this important concern
Product: Credit card or prepaid card

Hi, I opened a corporate credit card in XXXX. I'm expecting multiple credits deposited to my personal credit cards because of Amex Corporate Advantage program ( https : //www.americanexpress.com/us/credit-cards/gcpadvantage/login/ ). It's been a while and I still didn't receive the credits.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is for Commonwealth Financial Systems legal/compliance dept. Your company has stated that they have complied with HIPAA laws yet attached you will find a HIPAA LAW thats states an authorization form must be obtained from a patient before any of their PHI is shared. I received a copy of my childs medical records including procedure without knowledge or request. I suggest this company read over those HIPAA laws again and then send me the authorization form signed by me to release such information. I would also like a copy of the debt verification I requested. I received a full breakdown of my childs medical records without receiving an authorization form attached. THAT IS A REQUIREMENT!!! As a business entity you have every right to send limited information but instead you carelessly sent a full breakdown of services rendered. SHAME ON YOU ALL!!! I have already submitted a HIPAA complaint with the documents I received attached. I have no problem paying the debt with the settlement funds I will receive from this company for clearly being in violation of HIPAA. Also if your company is so sure that you did not violate any laws then I will see you in court. They can determine for us whether any violations were made. I made sure to keep all paperwork!
Product: Credit reporting or other personal consumer reports

Had total car lost insurance payed by XXXX The account show in credit report XXXX closed. I was supposed to receive XXXX only got XXXX . Day collected XXXX XXXX XXXX and XXXX the payments and put me in collections.and my score from XXXX went down XXXX points called credit report did dispute bit they dont go back and see the other credit report. I do have them Each month changes but still says collections and disabled and cant by because the interest will be high. O will provide all info in documents if needed
Product: Money transfer, virtual currency, or money service

I received a cashier check from my credit union yesterday, it was a check from selling my car to my daughter. I took the check to Well Fargo band near my house and I deposited it. It was showing a plus right next to the account, the amount was XXXX XXXX Next day, there was no proof of the deposit or any money from this check to indicate a deposit. I went to the bank an $ after XXXX hour, they found it an $ they told m3 there system is still trying to deposit the check and I need to keep checking my account, I bought a car 2 days ago an $ the dealer is expecting a {$15000.00} today. If not the loan is going to be full payment on this car for the amount of {$850.00} a month, an increase of {$300.00} a month because of the bank incompetent. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Product: Money transfer, virtual currency, or money service

I was making a sale on XXXX marketplace for a {$100.00} TV. I had requested payment through ZELLE. The person on XXXX marketplace was a scammer and able to send me emails with logos and an email that has Zelle in the name. 
I was then sent multiple emails asking to put a payment through to the other person in good faith to upgrade my account to a business account to ensure I could get my funds as they were put on hold due to the status of my account. I then sent a {$300.00} payment via Zelle And then was bombarded with additional emails and told that more money had to be sent. I brought this up to my bank XXXX XXXX and was told there was not much they could do as I made the payment initiation. I have screenshots of all of this information. The emails had Zelle logos and were good at what they did. I called the # in the email and was prompted to do more until I started questioning why the # on XXXX for Zelle was different then the # I called.
Product: Debt collection

Account Resolution Services, LLC has failed to abide by the Fair Credit Reporting Act and the Florida Consumer Collection Protection Act. I have never receive any communications prior to requesting a debt validation after finding out that they keep reporting an account on my Credit Report almost every month to keep it active and decreasing my score month after month. When I contacted them by certified Mail which was delivered on XX/XX/2022 at the address they had provided to the Credit Bureaus requesting information to validate the debt and for them to provided me a statement of such they refuse to provide such information and just send a brief letter attached with a balance for one account under supposedly my name and another of a minor. I decided to call them today XX/XX/2022 at XXXX XXXX  EST and spoke to someone name XXXX XXXX XXXX XXXX, I was courteous and explained to her I wanted information to validate and verify such debt as I have been in contact with the provider them claim and they assured me there is no pending debts or balances this person claimed they had mailed the information when in fact they did not as they only sent a single page letter and that supposedly they do not represent accounts of minors which is a lie according to what they sent, when I pointed this information to her she became hostile rude and hung up the phone on me. Per the federal and state law they had failed to validate such them and they must remove the collections from my credit report no later than XX/XX/2022 ( 30 days after they receive my letter ). Also the account numbers they sent do not match the account numbers reported on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of all accounts related to my credit report that were XXXX under my XXXX XXXX XXXX which has since been closed. As you XXXX know, creditors are not allowed to report accounts as active or delinquent once they have been XXXX through XXXX. It has come to my attention that the following accounts continue to appear on my credit report, which is a violation of federal XXXX  laws. 
I have provided the list of these accounts below and request their immediate removal from my credit report : XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX  XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - XXXX through XXXX XXXX XXXX XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  XXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXXXXXX ( Account No : XXXX ) - Paid, Closed/Never late XXXX  ( Account No : XXXX ) - Paid, Closed/Never late XXXX XXXX  ( Account No : XXXX ) - Paid, Closed XXXX XXXX  XXXX Account XXXX XXXX XXXX ) - Paid, Closed/Never late XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXX ) - XXXX through XXXX XXXXXXXX XXXX XXXX ( Account No : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Account No : XXXX ) - Paid XXXX Closed/Never late These accounts were either included in the XXXX  or were closed appropriately.
Product: Credit card or prepaid card

You third class Discover bank. 

This is my first complaint against Discover credit card on CFPB, so how come I reported the transactions mutiple times as disputed? 

Stop showing the credit card as Disputed.
Product: Checking or savings account

I have written the company asking for documents supporting them reporting me to XXXX XXXX. I started requesting this in 2018 and nothing has been resolved. I have written to XXXX XXXX Wells Fargo XXXX XXXX and cfpb. With no results or documents to supporting this negative reporting in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiry was unknown to me. The furnishers were unauthorized to pull my credit reports. Thus, this must be an error with Equifax investigation. I have already addressed this issue to Equifax but I have received nothing until this date. I am already doubting the accuracy of their investigation. Please see this inquiry that should be removed : XXXX Date of inquiry XX/XX/2020
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am a victim of identity theft. I filed an FTC report. and notified the XXXX, Transunion, and XXXX about the fraudulent accounts. I sent the information via certified mail.