23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, XXXX XXXX was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

XXXX XXXX XXXX failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with XXXX an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. XXXX XXXX failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that XXXX is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to XXXX XXXX have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax added an erroneous debt to my credit report which caused damages with a XXXX points credit score drop. XXXX XXXX  spitefully validated a false claim of debt that does not belong to me nor responsible for. The debt is charged off after several years and was removed from my credit file and yet Equifax added it back a few months ago with no legal proof produced by XXXX XXXX as required by law to show the loan agreement or debt instrument to validate the debt. A mere statement by XXXX XXXX  can not be accepted with no proof as acceptance of a statement with no proof violate NY Law and Federal Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

After the Equifax data breach debacle, I undertook steps to order credit freezes with all three credit bureaus. Experian has refused to accept an online request from me for a freeze. They have refused to accept an upload of documents they require to implement the credit freeze XXXX their system XXXX giving either an explanation of system is not available or else can not upload documents in spite of them being in the correct required format ( PDF ) and below the size limit. This occurred on XXXX XXXX, XXXX and on XXXX XXXX, XXXX. Additionally, I tried to order a credit report, and received a message that I could not be identified in spite of supplying my legal name, social security number, and address at which I have resided for the last 12 years. 

Additionally, all requests for freezing accounts have been followed by offers for security monitoring to be purchased through Experian. They can not find my account to issue a credit freeze but seem to be able to do so to sell me a product they are offering. 

The only resolution to this problem is to send Experian the required personal information, including social security number and date of birth, through the XXXX Mail. I have completed this process and am now awaiting a response from Experian where I will supposedly be sent a pin to be able to access my account in case I need to temporarily issue a credit freeze lift.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in a dispute letter to all Credit bureaus Experian, XXXX, and XXXX on XXXX to dispute and delete all inquiries that didnt belong to me, are closed or I didnt authorize. 

XXXX  - Closed Date XXXX XXXX- Closed date XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX - CLOSED XXXX Inquiry- XXXX XXXX XXXX XXXX I have yet to hear back or see any progress with my request. I am filing a complaint against the credit bureaus due to not complying within 30 days to my dispute request.
Product: Credit reporting or other personal consumer reports

1 ) XXXX 's bill or rights ( XXXX XXXX XXXX ) states that they will ensure a customer is " not responsible ... for products or services that [ they ] did not receive. '' 2 ) I never received the products for which this 3rd party loan was authorized.
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 : XXXXXXXX XXXX : Account Number : XXXX : Balance : {$0.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : 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

Transunion File Number XXXX Employment Data Reported Dated XX/XX/XXXX was right on the information for Employment Data Reported for some reason the report issued on XX/XX/XXXX only shows XXXX employment not the 2 I current work for in which I have attach my current 2 employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX These do not show and I have work for them since XX/XX/XXXX I do n't why Transunion has errors as they do.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX  reporting high credit as XXXX, Experian is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, Experian  reporting last payment as XX/XX/XXXX, and XXXX  reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Product: Checking or savings account

Hello, I recently opened Checking ( ending with XXXX ) and Savings Account ( ending with XXXX ) with Citi Bank on XX/XX/2020. And deposited {$5000.00} in Checking, and {$10000.00} in Savings Account. 

Today while logging into my account online, I came across a notification which says that Citi Bank has terminated my both of the accounts. And I would get my funds back through a check mailed at the address on file. I am alo unable to see my full account number as the online access to the account has been restricted. 

Upon contacting them over phone, I was advised that the reason for terminating the account is that the address provided is a business address. 

However, they can not send the check for the monies in my account on the address provided on file, and asking for other physical address ( with utility bills ) which I do not have, as I have recently relocated to XXXX, TX for a job, and that is the reason I had provided my employer 's address in order ensure I receive all important mails. 

Now, I am faced with this situation where the Citi Bank abruptly closed my account ( even after having sent my Debit card and the Checks on the address provided ), and would not refund my monies in the account - {$15000.00} I take this opportunity to request you to look into this matter, and direct them to send my money ASAP at the address on file. 

I sincerely hope that you can understand my predicament where I am facing inconvenience wrt abrupt closure of the account XXXX XXXX ), and inability to get my funds back in time. 

Looking forward to a positive reply. 

Thank you Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

I disputed inaccurate address information from my personal Experian credit report, to no prevail after disputing the incomplete or inaccurate addresses that were unauthorized. Resulting in them remaining on my credit report. According to Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX in XXXX XXXX that was on XXXX XXXX. The school guaranteed employment placement assistance as part of their package. The school was accused of fraud and closed. I did not receive the services I paid for. I struggled to find employment and was unable to pay my student loans. I am currently not employed. When I went to apply for credit I found that they are not only incorrectly reporting my accounts but they have duplicated them.I have 3 student loans. I have 3 accounts showing XXXX balance and paid. I also have 3 accounts showing as being in collections. None of the accounts are accurate. I never heard from them so I called them last year and in XX/XX/XXXX of this year I began to make monthly payments to them. I have been making payments since then every single month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the lender XXXX XXXX several times and the telephone number associated with the lender is not valid. I have mailed the lender a letter requesting to find out who they are and why are ( 3 ) separate inquiries from them listed on my credit report. I never received a reply from the lender regarding my inquiry. So at this point I would like to have this lender removed from my credit report. I have no recollection of ever applying for credit. And the information listed for them is not accurate nor current
Product: Payday loan, title loan, or personal loan

I spoke with XXXX different people, including a manager and advised when I could make my payment. They continued to call more than XXXX or XXXX times a day, even after I reminded them of the legal limit of reaching out about a collections. They do not state it is an attempt to collect a debit when I do answer.
Product: Checking or savings account

I had XXXX unauthorized transactions 3 were refunded. XXXX denied and my account closed. My ex roommate was getting on my phone while i slept and spending my money. On XXXX different bank acct. XXXX finally refunded all but one. That Im still fighting them for. I have a text message betweene and the ex roommate. Who I know believe is responsible for all and why he moved out abruptly. I texted him told him he needed to send my money back to me. He replied saying he felt he was entitled to it because his dad never gives him money. His dads live in gf pays me to clean. Thats the money he was stealing from both XXXX and cashapp. XXXX sided with me cashapp is being rude and running me in circles. Nobody there has any information they do not document anything thing you do. Agents cant see your disputes nothing they are useless. The teal making decision emails from an email you cant reply to and your never allows to speak with them. This is absolutely outrageous unprofessional. They have. Your money not theirs. But do not have to communicate with you. How is this legal. They are gon na cause someone to have mental health problems. Handling peoples money this way. All banks need to realize they are nothing without us. They work for us. What would happen if XXXX  decided Im done goin to work paying bills and using banks. Theyd collapse and be nothing. People need to start o take their power back because this isnt right. My ex roommate Ive found had several XXXX acct and I bet he does the same with cashapp. He gets them negative balance then makes a new one I e shown them to both banks cashapp wouldnt accept my documents
Product: Credit reporting, credit repair services, or other personal consumer reports

believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : US DEPT ED XXXX Balance {$310.00} EQUIFAX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DATE XX/XX/2024 Chex Systems , Inc. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX XXXX CHEXSYSTEM RE : XXXX To whom it may concern, I, XXXX XXXX, never gave ( CHEXSYSTEM, or XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

As a consumer, I am demanding a deletion of the following account : XXXXXXXX XXXX XXXX XXXXXXXX, Checking Acct # XXXX XXXX XXXX XXXXXXXX, Checking Acct # XXXX XXXX XXXX XXXX, Checking Acct # XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX ), my cashapp was hacked. The hacker bought {$1900.00} worth of XXXX. I have never purchased currency and never will. I showed proof to Cashapp via police report, emails, phone calls, screenshots, and everything. I still can not get my refund. I call them and no one helps me at all.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and saw there were account that didnt belong to me. 
Please remove these accounts ASAP being they have not bee authorized by myself or anyone that I know of. These accounts have hurt my ability to gain credit in a fair marketplace which is a violation of my right under the fair credit act and the US Constitution.
Product: Money transfer, virtual currency, or money service

On XXXX, I contacted someone I thought was an employee of XXXX about fraud and identity theft. I found their number through my XXXX app, but I didn't realize that had been hacked, and a fake number given. The person who committed fraud against me convinced me to use an app called XXXX to share my screen with him. He told me that the person who had committed the initial fraud against me, about whom I contacted him, had my identity and information and was trying to steal more money from my bank account using Cash App. He convinced me to send {$1500.00} to my sister and have her send it back to me on XXXX. Unbeknownst to me, as soon as the money was received from my sister, it was stolen and used to buy Bitcoin. The fraudulent individual convinced me to do the same thing on XXXX, sending {$2000.00} this time. When I realized that this further fraud had taken place, I took steroids to try to get the money back. I contacted Cash App on XXXX, and the representative I messaged told me that the money could not be reimbursed.
Product: Checking or savings account

On Monday XX/XX/XXXX at XXXX, Owner, XXXX XXXX XXXX , age XXXX, after presenting two ID cards, revocation of old POA , ( Power of Attorney ), and assignment of new POA signed with Notary public, ( see attachments ), complained about Elder Financial Abuse perpetrated by XXXX XXXX XXXX , ( her son, the old POA ) and was blocked from knowing any information on her investments. That was done with no explanation, despite the pleading by the account owner, my mother, to know the value of her account or any information about her account.

The Bank of America branch managers name is XXXX XXXX. The location of B of A branch is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. We went with mom to the B of A branch, because a week before over the phone, we could not get any info regarding the account. We were told that we must come to the office with two ID cards. In the office, on XX/XX/XXXX, we first met XXXX XXXX, who treated us very nice, and was concerned about the elder abuser, XXXX XXXX XXXX ( son ) of account pwner. Then we met with XXXX XXXX   who made copies of our CA D.L. and B of A credit cards. XXXX XXXX, encouraged us to come back a day later & he will block the abuser from accessing the account and give us, the new POA user name and password to access the account on line & in person. On TuesdayXX/XX/XXXX, we were in court issuing Restraining Order against the Elder Abuser, XXXX XXXX XXXX. On Wednesday XX/XX/XXXX at approximately XXXX, we went back to Bank of America branch and again met with XXXX XXXX . We told XXXX XXXX that we have Restraining order against XXXX XXXX XXXX. XXXX XXXX, made a copy of CA D.L. and B of A credit cards as well as copy of the Restraining Order. He told us he can not provide us with user name and account number, however, tomorrow he will provide us with the user name and password over the phone. Also, he assured us that the Elder Abuser can not access the account and the account is blocked. On Friday XX/XX/XXXX, my husband called XXXX XXXX, and left a message. The following week on TuesdayXX/XX/XXXX I called XXXX XXXX, and he told me that, I needed a new POA from an attorney, the one I had given him which was good for other banks was not good enough for him.

XXXX XXXX XXXX gave us a short note provided by my brother from a XXXX XXXX XXXX, an Internist my brother took her to in XXXX XXXX to have her declared incompetent. XXXX XXXX, was not my moms Dr. nor is board certified. Moreover, mom told me that XXXX told the Dr. what to write. Also, this one letter not only does NOT confirm this but to declare one incompetent in California one must present two complete medical reports to a probate court. XXXX XXXX realized this and dismissed the note, however if Bank of America used this note to block my mom from information regarding her account, they are in a serious ethics and elder abuse violation. Please help my mom.