23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX account # XXXX, XXXX Bank account # XXXX, XXXX XXXX account XXXX XXXX, XXXXXXXX XXXX XXXX account XXXX XXXX, and XXXX XXXX XXXX account 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

The following reports the steps of a Rental Scam that I was recently a victim of. Neither Chase Bank or XXXX has been helpful in fixing the problem, taking legal action, or taking any action to help return the funds that was stolen from me using their platforms. A big part of this fraud occured because I was mislead into thinking XXXX was a secure platform since Chase 's online platform recently switched over to using XXXX exclusively for online transfers. 

I applied to an ad in XXXX for a rental property located at XXXX XXXX XXXX, XXXX, NY XXXX. A man who calls himself XXXX XXXX from email XXXX replied after a few days and said he was interested in renting it to me, though he was not available for a walkthrough because he is currently based in Texas, but that I was free to peak in the windows. This worked for me as I was currently traveling and needed something quick for employment in the area. 

I sent a payment on XX/XX/XXXX via XXXX as requested for the firsts month rent + Security Deposit in the amount of {$1300.00} to XXXX Transaction # XXXX. I was told this was his assistant. 

A few days later XXXX requested I needed to also pay the last months depost due to my income at the request of his lawyer. On XX/XX/XXXX I send a XXXX Payment to XXXX Transaction # XXXX for the amount of {$870.00}. I understand requesting a last months deposit / Security is now an illegal practice in the state of New York, but I assumed he was just an older individual doing things in an old fashioned way, so I reluctantly made the payment. 

A few days later XXXX than requested that I send him an additional {$640.00} for XXXX. Neither this nor the last months rent was included in the lease I signed and was almost certain it was a scam at this point. Durring all these exchanges / payments he has refused to sent the keys until the next payment is made. My move in date was in 5 days and he still has not sent the keys. I have asked for a refund, but the refund as now been delayed, and I am scared I will not get any of my money back. I also now have nowhere to live, and won't be able to start my Full Time Employment that was scheduled for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below accounts are keeping me from refinancing my home, and many other things I am trying to do, these accounts do not belong to me and I have tried very hard to get these companies to fix this on my report because it is not mine, but they haven't removed this inaccurate information as of yet. 

XXXX XXXX Opened XX/XX/XXXX {$680.00} Account # XXXX CREDIT CARD XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$670.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$580.00} Account # XXXX UNSECURED XXXX   XXXX Opened XX/XX/XXXX Balance {$500.00} Account # XXXX XXXX COLLECTION AGEN Opened XX/XX/XXXX Balance {$380.00} Account # XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX UNSECURED COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$50.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account XXXX COLLECTION Opened XX/XX/XXXX Balance {$20.00} Account # XXXX XXXX XXXX  Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$300.00} XXXX Account # XXXX XXXX/XXXX   Opened XX/XX/XXXX Balance {$300.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$1400.00} Account # XXXX
Product: Debt collection

Dear CFPB Thank you for hearing me again over the last XXXX yrs. we have been dealing with several accounts that was done by Fraud/ Identity theft. When I was living out of the country for those 8 years. You guys helped me get these accounts removed over XXXX  times in a XXXX yr period. 
The creditors found out they was fraud and removed them as you guys recall I had to get the police and Attorney General involved. Now the same company has Sold the account to the Collection agency thats listed. 
My Life has been destroyed if you guys recall I been fighting this for years and even had a massive XXXX XXXX over it, and I have been rejected from Jobs, school even a place to live. Im XXXX because in my city you cant have collections you cant rent. Even someone had got XXXX evictions on my name when I was out of the country. 
I went to save lives and my life was being destroyed, the collection agency has been Ruthless and pure evil to me, not wanting to listen or even understand. I also the collections agency put it meets FCC regulations and I Agree it should be on my report. I DO NOT AGREE, and the company Lied and stated I agree. 
I swear on my soul my Identity had been stolen back then and even I had Several Security breaches from the XXXX  because I support victims of crime. I cant get Hired with these collections. 
Im not a liar and I promise you I did not open the account and I had proven that several times, the issue is how much more suffering will I go through. Because I was found incent and when they SALE these accounts it start all over. 
With my line of work with victims of crime XXXX cant have collections, or I would get fired, and I did not do these things and should not have to pay for these things. The collections are not large but still I did not do this. And to suffer from 2013 to current is insane. 
XXXX XXXX OVER THIS AND CANT GO BACK TO WORK UNTIL ITS CLEAR. They dont want to see anything thats negative. why do I have to lose my whole life and now during a pandemic every time this pops up on my reports, I get Fired and lose my Apartment. Because they check our credit monthly. 
I need you guys Help again to get this deleted please completely and for them to stop asking me to send more documents, because they dont have full documents and they are using what I sent in against me to build a case to stick me with a bill I dont owe. 
DID YOU GUYS KNOW THATS WHAT THE COLLECTION AGENCY BEEN DOING TO ME? XXXX XXXX out here help me get this deleted again. Thank you
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 Name : 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 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 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 XXXXXX/XX/XXXX 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 am having trouble with getting my credit report from equifax. There is information on there that is wrong, and I can't get into my report to even dispute or fix the errors.
Product: Debt collection

I have filed a suit against XXXX for leaking my personal information in their XX/XX/XXXX security breach, as they did not take the necessary steps to protect my personal information. You may view legal information about this data breach on the official website : XX/XX/XXXX XXXX My lawyer has advised me to contact the Federal Trade Commission to file a legal complaint against your company, as your company is currently reporting information to my credit report that is false and a direct result of identity theft due to the XX/XX/XXXX data breach.
Product: Debt collection

I checked my credit and saw an account from Williams & Fudge for XXXX XXXX XXXX for {$850.00}. At the time that I ended the school program, I lost my job and was the victim of a XXXX XXXX that caused my kids and I to become XXXX. Therefore, I was unable to take care of my monthly bills. It has taken some time to fully recover and now COVID19 has caused my employer to furlough my role. I am trying to fix my credit and right some of the wrongs. the debt is five years old, so I would like to settle with {$400.00} and have the debt deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be labeled as a follow-up complaint to my previous complaint to ensure the deletion of the following items : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the third time I have as Foundation Finance co to reinvestigate the complete and accurancy and they still saying its verified as accurate which everything is wrong from date open to date close and last payment, date open was XX/XX/year> Balance is wrong this account has not been verified and its not accurate. This is violating my rights per 15USC 1681 credit reporting must be true and correct. And according to this law they are suppose to provide me a discription of the investigation according to 15USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 
But they did not do that as well either.

And according to 15 USC 1681 s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

In XXXX I went to Citibank to open a business account under XXXX XXXX XXXX XXXX XXXX which wasn't a problem until I bought XXXX through the account which I didn't know was a breach on their system. Then I received a letter from their Fraud Department saying my account is being closed 30-60 days from the date of the letter. Well I contacted them and pleaded with them that I didn't know I wasn't supposed to do that and they didn't care and said I would get a check in the mail for the amount in the account but in the meantime I checked my account and one of my investors put {$6000.00} into an account that I was told was closed. Then I went to the branch office and spoke to the bank manager and he called the Fraud Department and pleaded with them to let him give me the check for the full amount and they said no, I will be getting a check with the full amount of the account. It's almost a month and I'm afraid that Citibank is holding my money hostage and is taking its sweet time sending me the check. I really need this money for my business and I hope you can solve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Experian Dear Experian, There are incorrect addresses in my credit file that am not associated with and are the results of crime ( s ) that were committed against me. I am a victim of identity-theft. Needless to say, you were sent copies of an FTC Identity Theft Report and sworn Identity-Theft Affidavit. Please deleted the following addresses from my file. These address are related to identity-theft criminal activity. My only and correct address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. Having these addresses listed make it difficult of creditors to properly identify who I am. You are also in violation of THE FAIR CREDIT REPORTING ACT for reporting inaccurate information. Failure to comply shall lead to legal actions for being in violation and defamation of character. Whereas, knowingly having my name associated with addresses of debts that resulted from crime ( s ) 1. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 3. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 4. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 5. XXXX XXXX XXXX XXXX. XXXX, FL XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is wrong information listed on my credit report, please update or remove immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to get a loan for school from my bank and I was not approved. I got a copy of my credit report finally and there are still things on there that are not mine. Ive contacted FTC and the police. Im doing this myself. XXXX, XXXX XXXX. Please remove these accounts from my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate the effort done by the Credit Bureaus to remove a portion of the disputed Fraudulent items being reported on my Credit Report. However, I immediately noticed that some of the fraudulent items are still being reported. I am now submitting this CFPB Complaint to request another investigation and if possible be completely removed from my Credit File. I have read that the Credit reporting Agencies are required to remove any account and information that could have been resulted due to identity theft under the Fair Credit Reporting Act section 605b. If the Credit Bureaus claim that the disputed accounts belong to me, I need the Credit Bureaus to please provide me copies of documents bearing my signature as proof of verification. Some of the disputed accounts were already deleted from the other Bureaus and it makes me wonder why is it too difficult for the other Credit Bureaus to not remove the disputed items from my Credit Report. Again, please remove the following fraudulent items completely from my Credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, MO, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MO, XXXX US DEPT ED XXXX XXXX : {$7400.00} XXXX XXXX XXXX XXXX XXXX : {$7200.00} US DEPT ED XXXX XXXX : {$4100.00} US DEPT ED XXXX XXXX : {$3600.00} US DEPT ED XXXX XXXX : {$2600.00} XXXX XXXX XXXX : {$340.00} XXXX XXXX Balance : {$150.00} XXXX XXXX Balance : {$0.00} US DEPT ED XXXX XXXX : {$7500.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Debt collection

I was notified today that someone from the XXXX Law Firm in XXXX XXXX, FL has been contacting people that are n't related me or listed as references on my loan application claiming that I am being investigated for Bank Fraud and that they are trying to reach my husband regarding an investigation about me. I was completely shocked and called the number provided to my husband XXXX X XXXX. The woman said that she has me on camera taking out a payday loan and since I violated the terms of paying it back I am now subject to bank fraud charges! How can a payday loan company threaten criminal prosecution? I would also like to know what gives them the right to tell people that I am being investigated for fraud? The one person they called is my ex-stepmother-in-law 's sister that I have n't spoken to in 6-7 years and the other person they contacted was my stepchildren 's maternal grandmother ( yes my husband 's ex-wife 's mother! ) I am in complete shock that they would call people that A. ) barely know me B. ) have never in my life been used as references C. ) tell these people I 'm wanted for bank fraud!!!! How is this legal????
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. 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. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have been a CashApp user since 2018 with no problems, starting two months ago I noticed people I didn't know trying to get my account to send them money, I have about 5-10 requests for money from me, ranging fron $ XXXX {$500.00} which only {$1.00} was taken from my account. I notified CashApp about the problem. i was told to log out, when I logged back in I was made to make a second account, I notified CashApp again, I was told to log out again, when I logged back in a third account needed to be made, all while tiring to get back to my first account which has a total of {$40.00} in it, I have so many emails which only asks me to copy and paste the same information over and over. CashApp has yet to help me retrieve my original account or my {$40.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering Items 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, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5900.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$1600.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  does nothing to correct the wrong information on my credit report. XXXX  and Equifax have everything correct and respond to my inaccuracy problems and actually remove and adjust my issue. XXXX  does nothing and this bad credit score is hurting me with getting loans, credit cards and everything else you can imagine. This is very irresponsible on their part because this is peoples lives and taking this reporting for granted is just wrong.
Product: Vehicle loan or lease

In XXXX of XXXX I got a car lease through American car center and XXXX XXXX which is their in house finance company. On XX/XX/XXXX American car center and XXXX XXXX ceased all operations and closed down. On XX/XX/XXXX I received an email from XXXX XXXX XXXX  that stating I was to make my payments through them now which I could understand if they bought the company or whatever happened but what I dont understand is XXXX can not provided with any contract or anything stating I legally pay them for a lease I had with XXXX XXXX now. And also in my contract with American car center and XXXX XXXX in states that any modifications were to be made then it would be done in writing and me and the assignee would both have to sign and that never happen. XXXX cant not give me any information besides what my payment is and that they wont be to pay it. Ive asked on serval occasions if I would get a title after I finished and was told they didnt know and then to top it off my they changed my monthly rate and made it to were it will take me at least 5 years longer to pay the car off
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing the Fair Credit Reporting Act, I did not find a regulation requiring that I request a disputed directly with Experian. From what I have learned, please feel free to correct anything you find incorrect, my obligation is to identify myself with my dispute ( which I've done ). Using the system Experian provides seems self-serving on Experian 's part and not to my advantage. This system is free also and it has the additional advantage of accurately documenting my contacts with Experian in case I need to take this to court which this is beginning to head toward. I simply want you to start an investigation on the items below. If not you are in violation of the FCRA and will be required to pay {$1000.00} per violation plus court cost. 

ACCOUNTS XXXX  XXXX XXXX XXXX XXXX XXXX never late XXXX XXXX/XXXX  XXXX never late XXXX  XXXX never late XXXX NA XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXXXXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX  XXXX not mine XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX   XXXX  XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine
Product: Checking or savings account

Last Friday i made a deposit at the atm which i never received i reach out to chase multiple times they told me a investigation will take place but while the investigation was taking place i will receive a credit for the funds. Its been one week today nothing. I have been without no money and no has reach out. I am late on my bills I have been nothing but patience but seems like they dont care