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 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, these federal laws are Truth in Lending Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Fair Credit Billing Act, the Fair Debt Collection Practices Act, the Electronic Funds Transfer Act, and the Fair and Accurate Credit Transactions Act XXXX, XXXX, experian have serval different reports please INVESTIGATE PLEASE immediately there is wrong information please remove immediately these accounts this will be last time
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Debt collection

On XX/XX/XXXX I signed a lease agreement with XXXX XXXX XXXX. This new lease included a change to my monthly rent, which was fully executed on XX/XX/XXXX. 

On XX/XX/XXXX, all residents receive notice that the ownership of the apartments is being transferred to a new company. Payments at this time are stopped while the new management is setting up their payment system. 

On XX/XX/XXXX, the new apartment management informs me they are moving me out of my apartment and into a different one. I did not have a choice in which apartment they moved me into. The move is completed on XX/XX/XXXX by the apartment management, without providing me any time to document the state of the apartment before I moved into it. 

Some time in XXXXXXXX XXXX  XXXX the new apartment management finishes setting up their payment portal, and I notice my rent is incorrect. They carried over my rent from my old, unrenewed lease to their system. It takes months of fighting with them to get this addressed. 

Throughout my lease, there are many modified fees and charges that are applied that were not agreed upon in my signed and executed lease with the previous apartment management. 

At the end of the lease in XX/XX/XXXX, the new apartment management assesses cleaning fees that were not agreed upon in my executed lease. In addition, there are repair charges for items that were not damaged during my occupancy. I requested information from the apartment for proof that the claimed damages did not exist prior to my occupancy, and the apartment management never responds. I continue contacting them until XXXXXXXX XXXX XXXXXXXX, when it was clear that they would continue to not respond to any of my attempts to contact them. 

In XXXX, the apartment management sent the account to a debt collector along with an unsigned lease that I have never seen before as their proof that I owe the amount that they claim. 

I received notice of this debt via e-mail from the debt collector in XXXXXXXX XXXX XXXXXXXX. I immediately send a letter requesting validation of this debt, as I have never agreed to pay it. As of now, the debt collector has not responded. 

Some time near XXXXXXXX XXXX XXXXXXXX, the debt collector provides notice to the credit bureaus of an account in collections, despite having no proof whatsoever that I have agreed to pay the amount posted.
Product: Debt collection

" A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. " 15 U.S. Code 1692f. 

On XX/XX/XXXX, Alliance One Receivables Management Inc., acting on behalf of the City of XXXX XXXX mailed plaintiff a letter that was supposedly attempting to collect the disputed debt of {$800.00}. The debt is hereby under dispute pursuant to 15 U.S. Code 1692 ( g ) ( b ) of the Fair Debt Collection Practices Act. 

The criminal offenses alleged that forms the basis of AORM 's underlying debt collection claims are not valid under the Constitution. For instance, plaintiff had not received the Miranda warnings before being interrogated by the police for suspicion of the misdemeanor offense of " sleeping in a park '' while in custody then issued a written citation. The plaintiff 's coerced confession along with the documentary evidence that supports these accusations were obtained against his rights under the Fourth Amendment. Furthermore, any purported non-judicial forfeiture of plaintiff 's driving privileges in connection with this unrelated non-motor vehicle offense is a cruel and unusual punishment including a " grossly disproportionate fine barred under the Eighth Amendment.

AORM 's debt collection practices simply are unconscionable because they are seeking to collect debts that constitutionally are not valid under 42 U.S.C. 1983, 4th, 5th, 8th, and 14th Amendments.

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

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX-Date of inquiry XX/XX/2021 XXXX XXXX-Date of inquiry XX/XX/2021
Product: Money transfer, virtual currency, or money service

Jpay services has been charging us huge fees to transfer money to our loved ones, to load our accounts with emails and stamps. Some of the fees and taxes don't show up in your transaction history so that you wont have proof of the total amount charged.
Product: Money transfer, virtual currency, or money service

I am a victim of identity theft. On XX/XX/2022 I received a phone call from XXXX XXXX XXXX. I looked up the number and saw that it was linked to a Bank of America website. The person on the phone said he was calling from the bank 's fraud department. He said that there was suspicious activity on my account and asked if I made a big purchase the day before. He verified my home address, my phone number, and told me to verify my purchases from the past few weeks. I said yes to all of them because they were purchases I made. The impersonator then proceeded to ask me about a purchase worth {$6900.00} on XX/XX/XXXX. I said that I did not make that purchase. I immediately logged into my online banking and saw that someone had taken out {$6900.00} the day before. I did not spend that much, I did not share my card information with anyone, nor was I notified about that amount being taken out before this person 's call to me. He said that he was going to freeze my account until I got a replacement card in the mail. He said that since I did not make that transfer that he was going to freeze my account and that I would be getting a new card within 3-5 business days. On XX/XX/XXXX I went into the physical bank to confirm that my account was frozen, but I was told from the associate that my account was still opened. Within those 2 days this person was continuously taking out money from my checkings account. I made a claim with the debit card department, XXXXXXXX XXXX and the credit card department because everything was compromised. This person was able to take a total of {$24000.00} from my checkings and {$9500.00} through XXXX The {$24000.00} is still in the process of being investigated, but I was notified this week that the bank can not refund my XXXX  transfers back to me. This impersonator was able to hack into the banks security system and get access to all my information. Prior to XX/XX/XXXX I did not talk to anyone about my banking information nor did I make any big purchases. I just got out of XXXX XXXX XXXX this summer and this is money I have saved up for the past 4 years. I never had an issue with the bank when I was traveling in and out of the country while being in the XXXX. The moment I come home and I stop getting a paycheck from the government my account gets hacked and the bank doesn't want to take responsibility for their security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had consistent problems getting into my Equifax account for the past few months. Early in XX/XX/2020 I talked to a customer service rep about this, but she did not understand what I was talking about ( not English speaking, not very well trained, etc ). During the conversation a survey interrupted the call, and then the call was cut off. I sent an email to XXXX who said they would contact me within 2 business days and gave me a case #. They did not follow through on this. I called yesterday XX/XX/2020.. again the same problems. Could not understand the rep. While she was checking on her end the survey came on again and cut off the call. So I had to call back an start the process again, and the same thing happened. They have not bothered to contact me via phone or email to try to solve the problem. I sent another email to customer service, said they would have someone call us within 2 days. With something this crucial I can not believe that there customer service is so TERRIBLE. The reps do not have any training. Most are foreign speaking which makes communication horrible. Who is the watchdog for Equifax? This is very serious, and something needs to be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, and 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX  ) via USPS certified mail with return receipt, this was 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was also deleted from my XXXX  report as well so in order to correct the inconsistencies between the XXXX, XXXX, and XXXX  credit reports, the account needs to be deleted from the XXXX  and XXXX  credit report. 

The information for this account listed on my credit report is : CREDITOR : BMW FINANCIAL SERVICES, BMW FIN SVC, ACCOUNT XXXX, OPENED XX/XX/2018, BALANCE OF {$57000.00}
Product: Credit reporting or other personal consumer reports

I previously filed a complaint with the CFPB on XX/XX/year>, which highlighted Experians failure to investigate disputes, block fraudulent accounts, and provide proper reinsertion notices. Despite this, Experian has failed to resolve the following items on my credit report : XXXX. XXXX ( Account # XXXX ) : Fraudulent account linked to identity theft, with a balance of {$2500.00} and late payments added. Despite being disputed multiple times, Experian has ignored or failed to investigate this account appropriately, violating FCRA 605B and 611 ( a ) ( 1 ) ( A ). 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted without notice ; no evidence of verification provided. 
XXXX. XXXX XXXX ( Account # XXXX ) : Reinserted with derogatory marks, violating reinsertion protocols. 
XXXX. XXXX XXXX ( Account # XXXX ) : Verified without proper investigation. 
XXXX. XXXX XXXX XXXX XXXX : Ignored entirely despite valid identity theft claims. 
XXXX. XXXX XXXX XXXX ( XX/XX/year> ) : Not removed despite prior disputes. 
XXXX. Incorrect Address ( XXXX XXXX XXXX ) : Remains listed on my report. 
Applicable Violations : FCRA 605B : Failure to block identity theft-related accounts.

FCRA 611 ( a ) ( 5 ) ( B ) : Failure to issue reinsertion notices.

FCRA 609 ( a ) ( 1 ) : Failure to verify disputed information. 
Harm Caused : Experians actions have led to : Financial harm and increased interest rates due to inaccurate derogatory items. 
Emotional distress and wasted time resolving these issues.
Product: Credit reporting or other personal consumer reports

While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : I hope this letter finds you well. I am reaching out to challenge an inconsistency found under the " PAYMENT HISTORY '' section in my credit report. This relates specifically to the account listed below which has been categorized as charged off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon thorough review of my credit report, I noticed that this charged-off account is persistently reported as maintaining an active monthly payment history. This is not accurate and consequently, in violation of the Fair Credit Reporting Act ( FCRA ), as it erroneously influences the statute of limitations. 

Under the stipulations of the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines, I am entitled as a consumer to have accurate representation of all details in my credit report. With these consumer protection laws in mind, I respectfully request that you rectify this mistake by deleting the incorrect data from my credit report. Following the completion of this, kindly supply me with an updated version of my credit report that reflects the required corrections. 

As a consumer, it is my right to have access to precise and current information on my credit report. I anticipate all credit reporting agencies to uphold this obligation, in alignment with the FCRA and other applicable Consumer Protection Laws. 

In light of this apparent oversight, I implore you to immediately expunge this inaccurate information from my credit report. Upon completion of this correction, please provide an updated version of my credit report for my review. 





XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. 

Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX applied for services with Affirm to have a contractor perform work from XXXX 's XXXX XXXX. Affirm allows you to finance projects with their buy now, pay later service. Upon talking with the vendor, i decided to cancel the contract for the service. I contacted the company XXXX 's and they confirmed they cancelled the request, however, Affirm is still trying to collect on the service which was never, provided. 
Please help me in getting this cancelled. Again, i have not received any services and neither ( Affirm/XXXX ) is providing assistance in getting this cancelled. I am uploading the cancellation from XXXX 's and the statement from Affirm showing the outstanding transaction. 
Affirm will not accept the cancellation notice from XXXX 's. They have conveyed they want an invoice. I do not have an invoice because the transaction never happened.
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 how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 removal of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with an account and inquiries I did not authorize, please also update my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account number # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  days In accordance with the fair credit reporting act XXXX  account number # XXXX has violated my rights.

15 usc 1682 section 602 States I have the right to privacy.

15 usc 1681 section 604 A section 2 It also states a consumer report agency furnishes account without my reading instruction.

A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has a
Product: Debt collection

In XXXX I purchased furniture from XXXX XXXX in XXXX, Tx. I started making payments in XXXX of 2022 to XXXX Bank, and I've made each one. When I started the process of buying a home, once my credit report was run it showed that I was XXXX payments behind on my XXXX XXXX payments. I went back to the store to find out what the problem was. A new store manager explained to that my account was split between XXXX creditors. XXXX Bank and TD XXXX, I was completely unaware that I was supposed to be making payments for XXXX account to XXXX separate creditors. My account was split between both to facilitate the sale and I had no clue. He apologized and gave me the number and advised me to call XXXX XXXX. I only received payment notifications from XXXX Bank, not XXXX XXXX. If I had known this, I would have been making my payments to both companies because I am able to do so. After speaking to the representative at TD XXXX  I was given my acct #, the past due, and the due dates. I explained to the rep and a XXXX what happened, and I will be taking care of the late payments tomorrow XX/XX/XXXX and making the regular payment on the XXXX. I asked once I make the past due how long will it take for them to remove the late payments from my credit report, because I essentially had no clue that they existed and was supposed to be paying them also, and it's making it more difficult for me to buy a home. I was told once they investigate and it's verified, I'm telling the truth, then they can see about removing the lates from my credit report. I do not think this is fair.
Product: Credit reporting or other personal consumer reports

I have never conducted business with XXXX XXXX in regards to these specific accounts, nor have I ever applied for or received any credit cards or loans from them related to these accounts. I am concerned about the unauthorized use of my personal information to open these accounts. 

I am requesting your assistance in resolving this matter. I demand that XXXX XXXX : Immediately remove these unauthorized accounts from my credit report. I require written confirmation that this has been completed. 
Cease all communication with me regarding these fraudulent accounts. I do not owe any debt to XXXX XXXX related to these accounts, and any attempts to collect payment are unwarranted and unwelcome.
Product: Checking or savings account

On Friday XX/XX/year> I was contacted by phone by someone posing as a an employee of Chase bank. It came up as Chase on my caller ID. This man informed me that a woman had opened an online checking account under my maiden name and had managed to link this account to my XXXX and was trying to transfer funds from my Chase account into this new online account. I was given a case number, employee identification numbers and names. I was provided with phone numbers and extensions to reach these people if need be. They never asked for sensitive information which put me at ease despite the situation being extremely distressing, but that seems to be part of their scheme. I was transferred to different departments. They told me we had to do a XXXX XXXX and I had to enter in codes that would send up a flag in the system and add protection to my accounts. Every question I asked they had a legitimate answer for which also put me at ease. This was all false! They conned me into sending XXXX XXXX payments totaling almost {$2000.00} dollars. Specifically : XXXX payment to Chase XXXX - {$990.00} XXXX payment to Chase XXXX - {$980.00} We contacted the bank who informed us that we had most likely been the victim of a phone scam. A complaint was filed. A subsequent investigation yielded nothing from Chase. To find out this is known and has been going on for years is with nothing being done by the banks is very disappointing to say the least.
Product: Money transfer, virtual currency, or money service

Dear sir/Madame, i am contacting you regarding an electronic financial transaction in the amount of {$300.00} that i made on XX/XX/2020 at XXXX using an internet company called CASH APP. 
The purpose for me to use this app was for me to pay my accountant for preparing my taxes. 
The recipient that the funds were to be paid to, is unable to receive the funds through his cell phone using this company 's app. 
As a result of not being able to complete the transaction, i immediately tried to contact the company cash app 's phone number XXXX and was unable to speak to anybody from this company to assist me.There is no email address for the customer service. I am unable to get my money back from this company, The party that i sent the funds to,, the name and phone number were accurate. The recipient can see the funds, but can not recieve the funds.I need your assistance to get my refund as i am receiving no cooperation from this company to issue me a refund. 
My name and contact information is below. 
XXXX XXXX, cell phone XXXX.Email is XXXX XXXX XXXX   XXXX Thank you for your assistance in this matter, XXXX XXXX