23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This place you should stay away from it has some serious safety and building code violations that the city of XXXX should have enforced but did not. 

1 ). Roof leaking in the bathroom with water falling on our faces 2 ). Fuse box trips on the 3 prong outlets and sometimes makes noise. 
3 ). We endured 6 years of Luke warm or cold water. They replaced the water heater but we still had luke warm water. 
4 ). They only have 1 maintenance man to fix things over 250 units. 
3 ). Security is non existent We had damage to our vehicle that costed us thousands to repair. I believe the Federal and State Governments should investigate XXXX XXXX XXXXXXXX for Domestic Sponsored Terrorism we found Flour acid and other chemicals in our gas tank found by XXXX filed a complaint with the Attorney General nothing was done. 
4 ). We paid XXXX Security and Pet Deposit XXXX and still charged XXXX for cleaning their mold mildew. I think they should pay us for XXXX for the building and safety violations and furniture damage 5 ). The trash has vermin running all over the place mice racoons and other creatures paid double in Trash bill. 
6 ). Excessive processing fees to pay rent XXXX XXXX for rent XXXX XXXX for utilities I would urge XXXX XXXX XXXX to get a Criminal Defense attorney for all the evil actions committed. 
7 ). We stayed over 6 years in this XXXX hole. Please have XXXX  not access my credit reports or personal information do to RICO related crimes. 
8 ). Water was brown and have rocks 9 ). Appliances old and outdated and makes noise during the summer asked last year for a new refrigrator and they refused. 
10. ) we replaced blinds 5 times at our expense we were still charged. 
11 ). Nails placed in our rear tires at XXXX XXXX XXXX XX/XX/2020 and XX/XX/2020. 
12 ). The utility Bill had us listed at a wrong address and my wife 's name is not correct 13 ). Fraudlent Utility Bills paid two months eletric bill and we did not live at this place 14 ). ADA act violation Our child has a Recognized XXXX being charged Pet rent and Fees See Federal law 15 ). XXXX XXXX did not accept Certified Return mail during Pandemic virus Health and safety violations forced us to come to them in person??
Product: Checking or savings account

I filed a fraud dispute with my bank. My claim was denied and I was informed that I authorized the disputed charges because I did not report my card lost for several days. When speaking to the fraud department I informed the representative I just noticed unauthorized transactions on my account. The representative demand I give her an exact date my card was lost. I informed her Im not sure but she persist in me providing a date. I informed her the last transaction I authorized. I did not know my card was missing until the day I called to report the unauthorized transactions. I feel the screening process was misleading and deceptive. I am requesting an investigation be conducted on my behalf to clarify this issue.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, numerous fraudulent inquiries have occurred. These inquiries were NOT made by me. In two instance involving Macy's/Citibank , they even withdrew from my XXXX  XXXX bank account without my permission. Their records even indicated an address and phone number change, which were not mine, yet they concluded their investigation, stating that I was responsible. After informing them, in XX/XX/XXXX, that I would be taking legal action in XXXX of XXXX, they suddenly adjusted my account which is now showing a {$350.00} credit. However, they've yet to make any statements via phone or in writing, that they are accepting responsibility. Below, you will see the false inquiries listed, including the fraudulent event : XX/XX/XXXX - Macys/Citibank - Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX  XXXX XXXX Fraudulent Inquiry XX/XX/XXXX - XXXX XXXX - Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Fraudulent Inquiry XX/XX/XXXX XXXX XXXX XXXX  - Fraudulent Inquiry -- -- -- -- -- -- XXXX -- -- XX/XX/XXXX - Macy 's attempted to withdraw {$1800.00} from my personal XXXX XXXX account, without my permission or knowledge and failed to do so due to insufficient funds. 

XX/XX/XXXX- Macy 's withdrew {$1200.00} from my personal XXXX XXXX account, without my permission or knowledge. I disputed as soon as I had found out AND alerted Macys/Citibank/and XXXX XXXXXXXX of the fraud and told them not to allow any payment of this nature to occur now or in the future. 

All parties made notes to the account regarding the fraud occurrence, and to not allow this to occur again. It was not characteristic of me to pay Macys/Citibank in that manner. 
Despite my efforts and the supposed notes made on both accounts, they allowed the second fraud occurrence. 

XX/XX/XXXX Macy 's Reversed the {$1200.00} payment ( eventually adding the entire amount to my balance ) XX/XX/XXXX Macy 's retried the {$1800.00} withdrawal, without my permission or knowledge, and was successful. I was forced to call all parties yet again, regarding their failures to protect my accounts. 

XX/XX/XXXX Macy 's reversed the {$1800.00} withdrawal, and added the fraudulent activities to my account. 

These issues also caused financial loss in the form of a bounced check and late payment to XXXX XXXX
Product: Vehicle loan or lease

I bought a truck XXXX XXXX ( {$52000.00} ) on XX/XX/2021 from XXXX XXXX XXXX and got a loan about {$36000.00}. While I signed the purchase agreement and sales contract with XXXX XXXX, the dealership crossed the lender and changed it by Chase Auto Finance on its own copy. The sales contract was altered just after I signed it without my approval. Chase Auto Finance should have rejected the sales contract that has been altered.

Mr. XXXX ( General Manager XXXX XXXX XXXX and XXXX ) did not provide any justification on how his team practices business. In the other hand, Mr. XXXX called me on XX/XX/2021 and informed me that it was a common practice to make money on the back of the customers by selling the loan to a higher rate than proposed by the lender and then getting the difference. There are common practices, but that doesn't mean good practices. In my case, while processing my loan application, the XXXX financial advisor only qualified me for one lender/one rate and tried to convince me I will get a better interest rate if I buy their Mechanical Protection Plan, but by not buying any of their products the financial advisor went with the unfavorable terms ( 3.39 % /75 months instead of 2.62 % /84 months ) and secured the loan from XXXX  XXXX. By not knowing that I had the choice of lenders and rates, it seems obvious to say that I was limited in my choice, my ability to make a good decision and then my judgement was biased. There is a sales contract and a purchase agreement where XXXX XXXX was assigned and we agreed on that. Mr. XXXX is mistaken when he said I had a fair treatment while XXXX took advantage of the situation by knowing about a better lender, never disclosed that information to me and altered the contract for their own benefit. There is a big difference between assigning the lender ( what happened in my case with XXXX XXXX ) and re-assigning the lender by altering the sales contract. In numerous cases, the FTC has charged dealers for Deceptive, Unfair Sales and Financing Practices.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX  - XXXXXXXX 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: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$18000.00} Late/Closed XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX {$640.00} Late/Open Inquiry in Dispute : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was given a forbearance that was to take effect for 14 months. On month XXXX ( XX/XX/XXXX ) my forbearance was extended through XXXX and the home was sold in XXXX, however my credit report shows 180 days late for the month of XXXX and Foreclosure for the month of XXXX. Carrington Mortgage sent " adjusters '' to my home on multiple occasions in which they stood outside my home taking photos, even though the home was in forbearance and sold only 1 month after the forbearance was compete. Carrington was made aware of the sale of the home as I myself and the title company contacted them for pay off quotes.My current credit report status reads " 180 day or more than 4 months late '' rather than Paid in Full- {$0.00} balance. I believe the reporting is inaccurate because if I was in a forbearance through XXXX and sold the house in XXXX the reporting should have no lates for the month of XXXX or XXXX, furthermore I have sent several requests to Carrington requesting this information be updated correctly to no avail. I am currently without a home ( we sold the home in question ) and unable to purchase or even rent another due to the status reporting for the previous loan. I am a family of 4 and a dog and feel this is unfair and as a result I am distressed and misplaced.
Product: Credit reporting

The Tax Lien from XXXX couty should be removed from my credit report. It has been on my credit report from more than seven years. Please see the attached documentation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of the negative account on my credit report. The discrepancies in how this account is reported across the three major credit bureausXXXX, XXXX, and ExperianXXXX both misleading and damaging to my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Accounts left that need to be removed or Block. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX and XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 

XXXX XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$590.00}, XXXX XXXX, XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor : XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$0.00}.
Product: Credit card or prepaid card

I cancelled a travel reservation through XXXX.com on XX/XX/2020 and was emailed a receipt XXXX after calling them that showed a refund amount of {$350.00}. They have refused to refund the amount, I started a dispute with my XXXX credit card, and they ruled in favor of the merchant. Im pretty sure they didnt even look at my paperwork or the email receipt, because its pretty plain to see that they agreed to refund me.
Product: Student loan

I had co-signed for my brother 's student loan at XXXX XXXX XXXX XXXX around XXXX. 

Around XXXX, I had filed for personal bankruptcy and noticed a XXXX loan was also in existence that I was a cosigner for from XXXX. I contacted XXXX XXXX ( not Navient ) to get the paperwork. Other than my name and social security number, the other information on the application/note is not mine. It has an incorrect, and out of state, phone number and I did not sign it. They use electronic signatures via email. The email address they have for this note is clearly not mine. I have contacted them several times and even wrote letters to them and the credit bureaus disputing this to no avail. They claim that even though it has an incorrect email address that 's not mine, the social security number matches and therefore it is a legitimate. I am not contesting the validity of the debt, just the validity of my attachment to it. They refuse to work with me, they refuse to acknowledge their own lack of due diligence and they refuse to even work with the payments to even make it manageable so I can avoid negative credit reporting and late payments while this is sorted out. 
I can not afford this nor can I afford an attorney for legal action against them and the school for allowing this to happen. 

I do not know my options or recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Comenity Bank for my XXXX XXXX Credit Card. I was planning a larger purchase and inquired if I was eligible for a credit limit increase. The agent said yes and asked for income and how much I could pay on a monthly basis. Nothing was disclosed to me that a hard credit inquiry would be needed. I would have never requested this if I would have known that was the case. On XX/XX/XXXX I was notified from a credit reporting app about the new inquiry. I immediately called and asked for the increase and inquiry to be removed and reversed. They said that was not possible and did not express concerns that the agent did not disclose or capture my consent to perform a full credit inquiry. 

On XX/XX/XXXX I discovered that I would have had enough available credit to make the purchase originally and none of this was never needed. Comenity Bank is placing a double hold on a transaction from XX/XX/XXXX. The original transaction is already posted and they have an additional authorization holding {$3300.00}. I asked if that authorization could be removed or disputed since the original transaction is posted and reflected in my current balance. They denied my request to remove or dispute this authorization that was place in error. The only solution that they could offer me was to wait until XX/XX/XXXX for the authorization to automatically fall off. They also said I could apply for a second increase. 


I feel that Comenity is taking advantage of me. I would like the authorization removed and the credit inquiry to be reversed.
Product: Credit reporting or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card 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 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 in the amount of {$21000.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing in my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the fraudulent items. I do not recognize the accounts, collections, or hard inquiries as reported. The accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I got a letter in the mail with a account summer of a chase account that I didnt open. Not sure if its a scam. I tried to call chase & they wouldnt comfirm or deny if I had a account with them.
Product: Checking or savings account

On XX/XX/2023 I had {$65.00} come out of my Chime checking account twice from merchant XXXX, a total of {$130.00}. An error occurred with XXXX and the money never went into my XXXX account nor was it sent to the recipient. XXXX has no record of these transactions. I received a refund of {$65.00} one time on XX/XX/2023 from XXXX, however, I am still missing {$65.00}. After contacting XXXX, they informed me that since they have no record of this I need to contact my bank, Chime. I disputed the transaction with Chime and they stated that I already received a refund of {$65.00} on XX/XX/2023. I called them several times in an attempt to clarify that I only received one refund, and should have received two. The disputes team at Chime escalated the dispute three times, and each time Chime stated that because I received one refund of {$65.00}, I am not owed another ( despite the fact I am still missing {$65.00} ). Several agents confirmed that I am indeed still missing the second refund, but the majority of the agents there could not speak proper English and understand the issue. I asked for a corporate phone number or address to submit a formal complaint on XX/XX/2023 and was told they do not have either of those to give me. The agent I spoke with also could not understand the issue and seemed confused. I have attached evidence showing I am still owed a 2nd refund of {$65.00}, in addition to an email from XXXX in which they advised I contact my bank, Chime, for a resolution. I am filing this complaint with the desire to receive two things 1. ) A refund of {$65.00} for the 2nd charge on XX/XX/2023 from Chime and 2. ) A written letter of apology from Chime for the way my issue has been mishandled thus far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

I did apply for the card on XX/XX/21, but I didn't activate it. Oportun sent me an email on XX/XX/XXXX reminding me to activate the card. I decided I didn't want the card due to the high annual fee, so I did not activate the card. On XX/XX/XXXX, Oportun sent me an email saying that my payment would be due on XX/XX/XXXX. I also received a text message on XX/XX/21 stating that my account was past due. They have been calling me everyday, but I haven't answered the calls because I was told that if I communicated with them they may be able to hold me liable. I did not activate this card, and I certainly don't want to do business with organizations that do business like this. I want them to close the account and revoke any false reports they may have made to any credit reporting agencies.

Thank you for your assistance in this matter.