23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The final ledger for my apartment provided to COLUMBIA DEBT RECOVERY LLC DBA GENESIS by XXXX XXXX XXXX XXXX is wrong. When I stayed there XXXX XXXX was responsible for the full rent every month. Not only have they reported a balance of XXXX, they have started adding interest, Its affecting my credit score and preventing me from getting approved for other properties because its showing on my credit report. I contested and been dealing with this issue since I moved out in XXXX. Since XXXX XXXX no longer manages the property they stated its out of their hands and genesis wont remove it without XXXX say so. I believe the property manager XXXX XXXX created this issue as a form of retaliation due to me threatening to expose him for XXXX harassment because while I was a resident he sent me XXXX XXXX XXXX XXXXd turned him down
Product: Payday loan, title loan, or personal loan

SOMETHING IS SERIOUSLY WRONG WITH GREENSKY. I HAVE MADE THREE PAYMENTS WITH THREE DIFFERENT CONFIRMATION NUMBERS AND ALL ARE REFUSING TO POST TO CONTINUALLY TEXT AND EMAIL ME WITH HARASSING AND THREATENING WITH BAD CREDIT. ALL NEED TO DO THEIR JOB AND STOP HARASSING AND THREATENING ME. STOP TEXTING AND EMAILING ME WITH THEIR STUPIDITY. THEY NEED TO CHECK THEIR PHONE RECORDS AND POST THE PAYMENTS. THEY NEED TO DO THEIR JOB OR GET SOMEONE THAT IS CAPABLE. IT STATED THAT IT COULDNT FIND MY ACCOUNT BUT IT CAN CONTINUALLY TEXT AND EMAIL ME WITH THE INFORMATION ON THE ACCOUNT. I HAVE PAD THREE PAYMENTS WITH TWO BEING PAID BEFORE THE DUE DATE. I AM NOT BEHIND. I AM AHEAD WITH TWO PAYMENTS. SO, NEED TO POST THE PAYMENTS AND STOP HARASSING AND THREATENING ME. STOP CONTACTING ME WITH ITS INCOMPETENCE AND GET SOMEONE WHO KNOWS HOW TO POST PAYMENTS TO MY ACCOUNT. IT NEED JUST CHECK ITS PHONE RECORDS AND POST THE PAYMENTS THAT IT AS REFUSED TO DO. IF YOU CAN CONTACT ME YOU CAN POST TO MY ACCOUNT THAT IS WHERE YOU GOT THE CONTACT INFORMATION. JUST GET SOMEONE TO DO THEIR JOB AND STOP HARASSING ME. THE CONFIRMATION NUMBERS ARE XXXX ON XX/XX/XXXX, XXXX ON XX/XX/XXXX AND XXXX ON XX/XX/XXXX. MY PAYMENT HAS NOT BEEN BEHIND BUT AHEAD. IT JUST WANTS TO HARASS AND THREATEN ME WITH BAD CREDIT. EMAILING AND TEXTING ME SAYING IT COULDNT FIND MY ACCOUNT FOR THE REASON IT COULDNT POST MY FIRST PAYMENT. YET, IT IS USING INFORMATION IN THE ACCOUNT TO CONTACT ME. AFTER BRINGING THIS TO ITS ATTENTION THEN IT TRIED TO BLAME IT ON MY BANK INSTEAD OF JUST DOING ITS JOB OR GETING SOME ONE ELSE TO POST THE TRANSACTIONS TO MY ACCOUNT.I AM TWO PAYMENTS AHEAD. I AM NOT BEHIND. I AM WARNING EVERYONE I KNOW NOT TO DEAL WITH GREENSKY, ITS PARENT COMPANY AND XXXX HOMES. ONE THING FOR SURE THERE WILL BE NO REFERALS FROM ME. NOW, IT NEEDS TO STOP HARASSING AND THREATENING ME WITH BAD CREDIT. 
THANK YOU,
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I want to transfer money internationally, but there was a lack of honesty and what is expected. it's difficult to make such a major transfer when I don't feel trusting of who is handling the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and Transunion that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general XXXX at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone XXXX, Transunion and XXXX directly to dispute the inquiries and request they be removed. I did not authorize the inquiries and was told by each that it is legal for an auto dealership to run your credit through several banks, and the inquiries would remain on my credit report for 24 months, and I did not authorize any of this and that does not make it right or legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed several personal addresses and collection/charge off accounts on my credit report. On XX/XX/XXXX I received notification from XXXX that the accounts have been verified. The Law states that the items disputed need to be removed within 4 days of receiving my complaint. 

XXXX is violating Section 604 15 U.S. Code 1681 B which states the credit reporting agencies dont have the right to report anything on my credit report without my written consent. 

XXXX is also violating Section 605 A 15 U.S. Code 1681 C-1 Without my consent means identity theft XXXX is also violating Section 605 B 15 U.S. Code 1681 C-2 XXXX was notified that the disputed accounts was a result of identity theft and I didnt consent to the accounts being on my credit report and XXXX still has not removed the accounts from my report XXXX is also violating 15 U.S. Code 1666
Product: Checking or savings account

It was chime banking XXXX dollars They said for them to mail remaining balance send proof of address witch i did plus id and my last name was changed so sent them my marriage certificate to validate and address proof never received anything
Product: Checking or savings account

The institution changed the access to features to me as the account change request to become a joint account access began to limit features on my interface as the added account holder without notification or explanation of the change and when it was to go into affect. The account has had since then made private the disputes from each making no note of the funds incoming were mine as this newly created role of secondary was used as a form of identifying a hierarchy in status on this now Jointly held account. The transactional disputes limited their explanation and created a series of transaction that were identified as holds on the account but were withdrawn transactions for were purchased and occurred and we longer could dispute. Unsure of how this activity was allowed by regulations, but consistent with causing problems with the merchant never returning the funds and me never receiving the product purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX  XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX I on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX  XXXX Last reported XX/XX/XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX DEPT OF THE TREASURY Last reported XX/XX/XXXX XXXX Last reportedXX/XX/XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit card

I have a credit card account with Discover. My entire balance is fraud and they are not taking action and this is hence affecting my credit report.
Product: Credit card

I XXXX for XXXX XXXX Filled out a application for a credit card an was denied Credit extended Wells Fargo Defaulted on my application an placed negative inquires on my report there XXXX says " To ensure equal an fair treatment of all wells Fargo customers wells Fargo Defaulted on my application I no it was financed an I was charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

My id was copied and used to take money from my bank, open cards in my name, license was also used to register someones car with out permission, and social security number was compromised ; and also used at the bank, phone was hacked as well.
Product: Credit reporting or other personal consumer reports

As per 15 USC 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 USC 1640. Furthermore, they are at risk for each FDCPA infringement as per USC1692k. I'm requesting they eliminate the supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your " credit '' report is an infringement of 15 USC 16922b ( 2 ) it is likewise publicizing to certain installment. Which is illicit. I'm requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer I'm requesting a cancellation of these records. XXXX Consumer Financial Protection Bureau. XXXX Better Business Bureau. XXXX XXXX XXXX. XXXX Federal Deposit Insurance Corporation. XXXX Comptroller of the Currency. XXXX Federal Reserve System. XXXX XXXX and XXXX. XXXX Federal Trade Commission. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am attaching a police incident number for the identity theft that has been ongoing on my credit report for the last two years Im asking that the credit bureaus remove all the accounts and fix my score this has been an ongoing problem and it needs fixed the incident number will provide the police report
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. XXXX XXXX XXXX Dated : XX/XX/2018 2. XXXX XXXX XXXX   Dated : XX/XX/2018 3. XXXX XXXX XXXX Dated : qXX/XX/2018 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. I did authorized XXXX XXXX XXXX XXXX to made an inquiry associated with an auto purchase, but only them. If the above inquiries relates with such, then federal and state law only one inquiry to be reported, as such is within 45 days of the initial inquiry being reported by Transunion.
Product: Credit reporting or other personal consumer reports

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( 15 U.S.C. 1692g ), I am formally disputing the following unauthorized and inaccurate collection account reported on my credit file.Disputed Collection Account Details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Amount : {$190.00} Date of Account : [ XX/XX/year> ] I categorically deny any liability for this account. I have never authorized, acknowledged, or consented to this debt. Under FDCPA Section 809 ( 15 U.S.C. 1692g ), I am demanding immediate validation of this debt, including : A signed contract or original agreement proving my obligation to this debt. 

A detailed account history, including itemized statements reflecting all charges and payments. 

Proof of legal assignment, showing that the creditor has the right to report and collect this debt.If the credit bureau or collection agency fails to provide verifiable proof, I demand that this account be immediately removed from my credit report, as required by FCRA Section 611, which mandates the deletion of unverifiable information.Additionally, I have filed a formal complaint with the Federal Trade Commission ( FTC ) regarding this violation, as the original creditor was not authorized to share my personal financial information. If this matter is not resolved promptly, I will escalate my complaint to my state 's Attorney General, the FTC, and consider legal action for violations of federal consumer protection laws.I expect written confirmation of the outcome of your investigation within the legally mandated timeframe. Failure to act accordingly will leave me with no choice but to pursue all legal remedies available under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the third time that you provide the method of verification you used. A letter was never sent to my current address or METHOD OF VERIFICATION. I requested the following information : The name of the individual business address and telephone number of the person or business contacted during your reinvestigation. The name of the person who verified the dispute with the original creditor The documentation that was used to verify the dispute To date, you have NOT provided me a copy of ANY documentation ( XXXX evidence that goes all the way back to the original creditor, not verification from a third-party database ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be deleted immediately. 
Name of Account : PORTFOLIO RECOVERY Provide Verification : PORTFOLIO RECOVERY UNVERIFIED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to file a formal dispute regarding unauthorized inquiries that have appeared on my credit report. I seek your assistance in enforcing my legal rights under the Fair Credit Reporting Act ( FCRA ) to address this matter promptly. I kindly request your intervention to ensure that my consumer rights are upheld. 

The unauthorized inquiries that I am disputing are as follows : Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : XXXX  Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : SETTLEMENT Date of Inquiry : XX/XX/XXXX Creditor : XXXX Date of Inquiry : XX/XX/XXXX Creditor : PREMIUM Date of Inquiry : XX/XX/XXXX These unauthorized inquiries have significantly impacted my life. Allow me to share my personal story to provide a detailed understanding of the emotional toll these actions have taken : As a hardworking individual striving to maintain financial stability, these unauthorized inquiries have inflicted considerable stress and anxiety upon me. The unauthorized access to my credit report has created a sense of vulnerability and violation of my personal information. Each unauthorized inquiry represents a breach of my privacy, undermining my trust in the financial system that is meant to protect consumers like myself. 

These inquiries have far-reaching consequences, impacting my ability to access credit, obtain favorable interest rates, and secure essential financial services. As a result, my dreams of securing a stable future for my family have been hindered. The uncertainty caused by these unauthorized inquiries has forced me to spend countless hours navigating complex processes, seeking resolution, and addressing the repercussions on my financial well-being. 

With this dispute, I kindly request that the unauthorized inquiries listed above be thoroughly investigated and promptly removed from my credit report. I am asserting my rights under the FCRA to ensure that the information in my credit report accurately reflects my creditworthiness and financial history. 

Moreover, I urge that the relevant creditors validate the accuracy of the accounts associated with these unauthorized inquiries. If the accounts can not be verified within the parameters of the law, I insist on their removal from my credit report. This action will help rectify the unwarranted harm that has been inflicted upon my financial standing and emotional well-being. 

I deeply appreciate your attention to this matter and your commitment to upholding consumer rights. Your intervention is crucial in rectifying this situation and restoring my faith in the financial system. I request timely communication and resolution as I work to secure a more stable financial future. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, which has resulted in 
unauthorized accounts and inquiries being added to my credit report. Pursuant to 15 USC 1681c2(a) and the Fair Credit Reporting Act (FCRA)  605(b), I am requesting the immediate blocking 
and deletion of the following accounts and inquiries:
Accounts:
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
Product: Checking or savings account

On XX/XX/XXXX I opened a checking account at Truist. I deposited {$25000.00}. This was for a XXXX account ( XXXX ) on which I am the sole owner. 

On XXXX they sent a letter saying they were going to close the account and there was a fraud investigation. 

On XX/XX/XXXX I went to the branch to check on the status of my account and was told that there was a security investigation for possible fraud and that the bank was closing my account and terminating the relationship. 

I filed a complaint on XX/XX/XXXX with the bank. 

All the bank will tell me is that there is an investigation and that I can not access my funds. It has been almost 2 months, I am going to be evicted. 

At no point did the bank contact me for information nor the issuer of the check. The issuer actually sent me a copy of the cancelled check. When I call the bank, I can get no information on when I will get my funds or what they are actually investigating.
Product: Debt collection

I applied to this company to lease an apartment with them during the Pandemic. I was not allowed due to XXXX restrictions, to see the unit. I paid the application and move cost online and picked up the keys at a mailbox. My first day moving in, I found the apartment was infested with roaches, dust and spider webs. I sent pictures to management and advised that I would not be moving in. 
Most of my application fees and deposits were returned, less rougly {$150.00}. After two months, I received this bill from the apartment complex, stating I owed {$97.00}. I spoke with the manager, and was told not to worry about it ; this was over three years ago. Now this has appeared on my credit report.