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

I had difficulty making payments to XXXX XXXX during the Pandemic. I was approved for their hardship program and things were still hard. I couldn't make XXXX payment on time because I had not received my check. The program was canceled for me and XXXX XXXX charged off my debt and sold it to Midland Credit Management. I never received the 1099C and I just learned that I should have also the balance should be showing as XXXX on my credit report according to everything that I have learned. My understanding is I was to report this as income for tax purposes if the amount was over {$600.00} and it was. The balance is {$4100.00} and the other Credit Card with Capital XXXX was {$1900.00} this was a XXXX Credit Card that is showing on my personal credit and not on my Business Profile. 
When a debt is sold to a collection agency, it should be listed as a charge-off with a XXXX balance on your credit report. After XXXX years, both the original account and the collection account will be removed from your credit report.
Product: Debt collection

On XX/XX/XXXX, I received notification that XXXX XXXX XXXX XXXX, also known as COLUMBIA DEBT RECOVERY LLC ( DBA GENESIS ), with an address at XXXX XXXX XXXX, XXXX, WA XXXX, submitted a lease as validation of a debt. This lease, associated with XXXX XXXX XXXX, was electronically signed, not hand-signed. I believe this submission constitutes a fraudulent attempt to collect money that is not owed. 

I provided evidence, including an electronic acknowledgment dated XX/XX/XXXX, confirming my lease was set to expire on XX/XX/XXXX. I chose not to renew the lease and vacated the property on the expiration date. Along with this acknowledgment, I included a copy of the lease agreement for my new apartment, further verifying my move-out date, as well as my move-out report from XXXXXXXX XXXX XXXXXXXX. 

Despite these efforts, I was not informed of any outstanding debt until it appeared on my credit report. It has now been 90 days, and I am still disputing these charges. I have provided clear and irrefutable evidence that the claims made by XXXX XXXX XXXX are fraudulent and that their supplied information is inaccurate and misleading. 
I submitted to XXXX XXXX XXXX XXXX emails from the new property XXXX at XXXX XXXX XXXX confirming my move-out at the end of my lease term. These emails included communication regarding the return of my keys. Additionally, I provided my move-out statement, which shows that my security deposit was retained due to patio furniture left behind by the movers. 

At no point did I break my lease. The electronic correspondence I have attached clearly demonstrates that my lease ended in XXXX, not XXXX as they claim. If my lease had extended to XXXX, I would have vacated at that time, as required. 

This evidence further underscores that the claim of a XXXX lease termination is false and that I fulfilled my lease obligations entirely.
Product: Debt collection

I have a collection from AmeriFinancial Solutions , LLC dated ( XX/XX/2020 ) asserting a debt in the amount of ( {$300.00} ). This is currently reporting on my credit and it shouldn't be. I have reached out multiple times and have yet to get a response.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX of XXXX and XX/XX/XXXX I was late on payments for Comenity Bank. During the month of XXXX I was very ill due to XXXX complications which caused me to be XXXX and missed payments. I gave birth in XXXX and shortly after I was on XXXX XXXX without pay which also caused me to miss payments. Prior to this incident I have never been late or missed payment with this company. I did reach out to Comenity Bank to resolved this issue with no luck. As of today I'm current on payments and have been since XXXX. I'm asking out of good favor that the delinquent payment history be removed from my credit report because its preventing me from buying a home.
Product: Credit card or prepaid card

I tried to reach out to the company directly ; however, they only have phone numbers listed for calls and I can not call. Due to lack of accessibility for people who are XXXX I have to submit my dispute here. My neighbors son has gained access to my accounts and XXXX account resulting in a significant amount of charges from " XXXX '' on my account. These are not authorized by me, I have NEVER used anything with a XXXX. I have reviewed all transactions within the history of the account and these are the only unauthorized charges on my account. I did not catch this so quickly as I have been dealing with a lot of medical issues over the past year and a half from XXXX complications. I have attached a list of transactions disputed as well as official affidavit for the claim.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX XXXX account # XXXX ) I am Attaching identity and proof of address. Also, there are several inaccuracies reporting on this account
Product: Credit reporting or other personal consumer reports

These are fraudulent accounts please remove them, they are affecting my ability to obtain credit. XXXX  XXXX account # XXXX date opened XX/XX/year>. accounts are closed
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/2020 I received a pop up from XXXX XXXX  .... ( that I could not get off my screen ) .... stating that my computer and my bank acct had been hacked. There was a 800 phone number on the screen, I called the number P. XXXX Fax.XXXX and a man claiming to be from chase fraud division name XXXX XXXX XXXX I foolishly followed his instructions. He said I was to set up a " alias acct '' so I could safely put my money into while the fraud was being investigated. He instructed me to go my bank and not to say anything to the bank officials since the could be part of the fraud! Once there I made an overseas wire transfer of XXXX XXXX XXXX dollars .... all I had in the bank. We were planning to move to a seniors development in delaware next year with the down payment money. I put in a claim with chase and they are not trying to help, He also transferred me to two men named XXXX and XXXX XXXX that claimed to be from the Federal Reserve Bank in DC I feel like a complete fool. Is there anything that can be done to get some if not all of my money back? Please help me.
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 numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Debt collection

Informed identity was compromised and to remove debt and was told no! Keep getting calls even changed number. Debt keeps being sold to collections agencys. Account is over 5yrs old. Making my credit be poor even though I have outstanding credit worthiness for a few years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XX/XX/2020 closed account XXXX account # XXXX XXXX XXXX closed account XXXX account account XXXX XXXX XXXX closed account XXXX account XXXX XXXX XXXX XXXX closed account has violated my rights 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 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent letters out to Equifax XXXX and XXXX stating my identity had been compromised. I notated the accounts that needed to be addressed. 
XXXX/XXXX ( 5 ) - acct. XXXX XXXX XXXX- XXXX XXXX XXXX-XXXX/ XXXX Equifax deleted the XXXX/XXXX accounts and in return sent an updated credit report notifying me it was sold to another collection agency which it is still reporting inaccurately on my credit profile damaging my credit. XXXX and XXXX   stated information was updated and verified. 
XX/XX/XXXX I sent letters out again asking for verification but the credit bureaus failed to update unverified information or the method in which they verified information in which they fail to do so. 
I reached out to the companies but have failed to get a single response. I am requesting assistance in the verification of the removal of inaccurate information on my credit report. The Credit Bureaus have failed to do due diligence in according to sec 605b and sec 609 of the Fair Credit Reporting Act
Product: Debt collection

As a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for XXXX, XXXX dba XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at the least and unacceptable by every means. 

You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. 
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.

5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication without authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt. 
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.

15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 
18. Invasion of Individual and Family Privacy 19. Violated 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Product: Credit card

For over 30 days I have been getting a runaround from Barclaycard US regarding problems that I first reported on XXXX XXXX, 2016. I have had numerous attempts at following up some of which are documented in a letter that I will attach to this complaint. That letter should not be posted as it contains sensitive information The initial problems relate to there lack of compliance with their Transaction Alert policy and lack of awareness of or compliance with their Complaint Policy statement. They have also sent out form letters, one of which they claim was sent in error and no one is able to let me know who, if anyone has my letter to them and when or if anyone will ever respond. 

I have been unable to reach anyone at Barclaycard US who can escalate this to someone who might help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX XXXX XXXX : {$790.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX is with RAB, Inc. Collection Agency representing DWR construction comp. He first contacted me on XXXX/XXXX/2016 and indicated they would auction the contents of my home and/or garnish wages to collect the award judgement. Despite having my contact information, he e-mailed and telephoned numerous individuals at work indicated he was " trying to reach me '' regarding a dept collection. He 's also made several threatening calls to my parents ( in their late XXXX ). XXXX XXXX continues to call my office telephone number despite being told not to contact me at work. He knows I 'm consulting with an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

THD/CBNA - Home Depot Citibank North America keeps issuing hard requests on my consumer credit even thought I have requested numerus times that they do not do that any more!!!
Product: Checking or savings account

On XX/XX/year>, I went to Bank of America branch in XXXX XXXX, Fl to be added as an authorized user on my fathers safety deposit box. I was informed by their associate XXXX XXXX that they would need to run my credit to verify my identification. I initially told XXXX XXXX that I didnt feel this was necessary. He stated it was required. I reluctantly allowed him to run my credit for the sole purpose he indicated. I recently received notification from Bank of America stating that they were unable to open a deposit account that I requested. I at no time requested a deposit account with them, nor gave them permission to run my credit for that purpose. I have the letter which I can provide to you.
Product: Debt collection

I have reached out to the company on XXXX/XXXX/XXXX asking to validate this debt and to send the actual contract that I have signed with them that I owe Southwest Credit money. 

They have failed to send me a signed contract with Southwest Credit. I do not have a contract with Southwest Credit. I never heard of southwest credit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX TRANSUNION : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is misreporting a balance on a charged off account that was sold to a collection agency named LVNV funding. The charged off account is also reporting on my wife 's reports and she was only an authorized user and never responsible for the account. The collection was subsequently paid and LVNV agreed to remove the collection fully from my reports but hasn't yet. I have included a screenshot of the accounts from a joint credit report of mine and my wife 's.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening. Since XX/XX/2022 i have exercised my right to request an investigation of the XXXX XXXX account that appears on my credit profiles at XXXX XXXX and Transunion SEVERAl times. i have disputed this account by paper mail in writing and by certified mail with a signature on the receipt. I have my tracking numbers for each dispute each time it was received by the credit bureaus. each time the bureaus have updated the account or verified it as accurate and i am in disbelief to see yet still so many inaccuracies with this account when each of the bureaus has said the information has been certified as accurate by XXXX XXXX im in very much disagreement with these outcomes because the information on thiXXXX XXXX XXXX account does not match across all three bureaus. How is that possible when XXXX XXXX has CERtified to each bureau that the information they are reporting on my profiles is complete and XXXX percent accurate? it seems to me this account is truly unverifiable. FCRA guidleines show that if an account is unverifiable incomplete or not XXXX percent accurate it must be removed from my profile. also the account in mention has not entered the required notice of dispute with in 30 days of these disputes which is a payable violation. i have attached screenshots of this account as it appears on my credit files and you will see the inaccuracies that exist on this ALLEGED verfied and accurate account, such as the high credit does not match across all three, payment history does not match and a pleathora of other inaccuracies and incomplete inofrmaion. thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit checks were conducted against my credit file by XXXX as listed in the below complaints to CFPB. I want to be sure that the credit reporting bureaus are not listing credit checks from XXXX ( or its partners XXXX on my credit file. I have no service in my name with XXXX. I never authorized them to check my credit. 

CFPB Complaint # XXXX : XXXX ( XXXX XXXX XXXX ) CFPB Complaint # XXXX : XXXX ( XXXX XXXX
Product: Money transfer, virtual currency, or money service

I wired money to Coinbase, inc., about XXXX USD. 
I was asked to complete the ID verification, and that went through. 
I get a mysterious error saying that my account is restricted whenever I want to trade or withdraw the money. 

I have no access to the money.
Product: Bank account or service

I deposited a check in the Citibank Atm on XXXX XXXX, 2014 for the amount of {$1200.00} at XXXX XXXX XXXX XXXX , XXXX Va XXXX. It bounced on XXXX XXXX. The check was from XXXX XXXX from XXXX XXXX XXXX. On XXXX XXXX, 2014 the check was resubmitted to XXXX XXXX XXXX which they claimed to have paid to Citibank on XXXX XXXX, 2014. Citibank is denying they ever received the money/transaction. Citibank ( XXXX the supervisor in the generic call center and XXXX XXXX at the XXXX, Va branch ) refuse to speak to XXXX XXXX XXXX to find out who has stolen the money. 

I had the Major Financial Crimes Division of XXXX County investigate this. In doing so, they went through camera footage at Citibank, my account as well as speaking with XXXX XXXX XXXX. The conclusion was that I did not cash that check at any time and it was never deposited into my account. 

There is a long back story as to who bounced the check on me and the dead ends I have encountered from government sources. Citibank blatantly refused to discuss who stole my money to XXXX XXXX XXXX. 
PLease help me force these XXXX banks to do their job and return my money to my account!!