23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Accounts reported as Account # : XXXX ( as identified on Experian ), ( but identified differently on XXXX as account # : XXXX and differently on XXXX as account # : XXXX ) and also account number : XXXX ( as identified on Experian ) ( but identified differently on XXXX as account # XXXX and differently on XXXX as account # : XXXX are reporting transaction history since the opening of these accounts and should not be. The Law says it is illegal to report transaction history. I have a Federally protected right to privacy and the reporting of this information violates my rights. Furthermore, as a Federally protected consumer, I now opt out of any and all authorization I, the consumer, may have given XXXX XXXX XXXX XXXX, EXPERIAN, XXXX, and XXXX whether written, unwritten, verbal, and non verbal to report my nonpublic personal information and all transaction history while reporting these accounts. 
All pursuant to : Privacy Act of 1974 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( 2 ) with the consent or at the direction of the consumer ; I do not consent to the sharing of my nonpublic personal information for these accounts.

15 U.S. Code 1681a - Definitions ; rules of construction.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
Product: Credit reporting or other personal consumer reports

I am submitting this CFPB complaint to request, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), that you block information on my consumer credit report that has resulted from identity theft and fraud within 4 business days of receiving this complaint. The fraudulent and incorrect information includes the following : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} These accounts have led to several fraudulent collections appearing on my consumer FICO credit report. I do not recognize the listed accounts or collection as mine. The accounts and collection listed on my consumer credit report were not opened, initiated, or authorized by me. They are all a result of identity theft and fraud. Enclosed is a copy of FTC Identity Theft Criminal Complaint # XXXX from the US Federal Trade Commission, which verifies that the listed accounts and collections are due to identity theft and fraud.
Product: Checking or savings account

Tried depositing a check into Chime with good funds, and kept getting XXXX, on the phone denying my deposit
Product: Money transfer, virtual currency, or money service

AppFolio processes my monthly rent payment for my landlord. AppFolio informed me via email on XX/XX/23 that they will begin to illegally charge me a {$2.00} fee on XX/XX/23 to process ACH " eCheck '' rent payments, even though it costs them nothing to process such payments. 

My lease states that eCheck payments are not subject to any processing fee, which is why I pay my rent this way. My lease provides no other way to pay my rent without a fee. Tenant rights mandate a way to pay my rent without a fee, so AppFolio has broken the law.
Product: Mortgage

I started the loan application process in XX/XX/XXXX. I received a pre-approval for a certain amount. The process got delayed because one of the conditions for the new purchase was to sell my house, which it was done just recently on XX/XX/XXXX. within that period of time, the broker was adjusting my numbers and requested a Co-signer to accommodate my rates and down-payment, it was requested because I have a NY child support case. 
Near closing time, I found out that the monthly payments were calculated with property tax information that were not the actual taxes, but last year taxes ( XXXX ), Not even with the town adjusted taxes in the beginning of XXXX. In addition to it, i decided to walked away of this transaction because within the calculation for the monthly payment my father 's income was used for the monthly mortgage payment. And that would not be the case. 
I talked to the broker multiple times and asked him to adjust the values and make sure my monthly payments to be within my payment capabilities but I have hard time to ask them to do so. 
As part of the process and transaction, as I mentioned before, one of the provisions was to sell my house. The underwriter ask to have an escrow and retain my resources to proceed with my purchase ( I was closing and buying at the same time ). Now that the transaction is no longer viable. I am asking the lender through the broker to cancel this loan transaction, adjust the financial numbers to my payment capabilities and release my funds that are held in an escrow. 

1.- I have had not been able to have the loan application been cancel neither adjusted on my payment capabilities 2.- My funds ( from my sell ) are retained for one week and they have not been released At the end. I am feeling forced to proceed and my money is being used as leverage to try to close a deal that is not making sense on the financial side.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 8th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX  Reference # : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2014 Reference # : XXXX
Product: Credit reporting or other personal consumer reports

These accounts are past statue of reports and needs to be removed off all XXXX credit bureaus. XXXX, Transunion, XXXX. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX  Date Opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00} XXXX XXXX XXXXXXXX Balance {$100.00} date Opened XX/XX/XXXX XXXX XXXX date opened XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$240.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$370.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$660.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2400.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXXXXXX XXXX  XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concerm, I have reported identity theft to the three three major credit reporting agency are reporting fraudulent accounts on my credit report on my credit. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX I have sent several notices to change this or update my file but nothing has changed.
Product: Debt collection

XXXX XXXX XXXX has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. 
The amount they say they owe is XXXX I received this letter on XXXX/XXXX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.
Product: Checking or savings account

The bank has charged me over {$900.00} in overdraft fees in the last XXXX days and most of them are not legitimate. They are just taking advantage of poor Americans who are struggling to make ends meet.
Product: Debt collection

On XX/XX/2017 I received an email from XXXX XXXX stating that the loan I owe was sold to a third party called XXXX XXXX XXXX. I have been trying to get in contact with them since the day my loan was sold to this company. I have sent them emails and have called them multiple times but have not received a response back. I would like to settle this debt but I need verification.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

From the month of XX/XX/XXXX to XX/XX/XXXX, I was living in XXXX XXXX Texas for work questions. The company XXXX offered me an internet service without any contract, I paid in advance to consume one month. 
At no time, I signed any contract, never assumed any commitment to pay, and at no time the company XXXX contacted me to negotiate any debt I returned to Utah on XX/XX/XXXX, after spending a month I received a credit alert in my XXXX  account of which I am a member. When I review the company XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX, ( XXXX ) XXXX, I was taken to collection at the request of the company XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. 
File a Dispute in XXXX  XXXX and on XX/XX/XXXX received the response from XXXX XXXX 's report. 
The answer design ; " The Element was removed from your Credit report At this time the XXXX company took me back to collection using another company The company XXXX acts outside the law and does not respect the rights of consumers. 
The company XXXX uses the collection companies and the credit bureaus to violate the rights of consumers and affect their credit
Product: Mortgage

On XXXX XX/XX/XXXX I purchased a house on XXXX XXXX XXXX, XXXX XXXX, VT XXXX. The previous owners were XXXX and XXXX XXXX and their mortgage company was XXXX XXXX XXXX XXXX XXXX XXXX acquired by Chase in XXXX ) and XXXX failed to properly discharge the XXXX mortgage with the Town of XXXX, VT. I'm currently in the middle of trying to sell my house and the buyers title search company discovered the error. I'm currently out almost {$10000.00} dollars trying to correct this error. I need some assistance in getting Chase to properly discharge this mortgage so I can continue with the closing. I currently live in XXXX Texas and trying to support two house holds.
Product: Credit card or prepaid card

Had my identity stolen to open ( 8 ) fraudulent credit cards
Product: Credit card or prepaid card

I purchased sneakers from a merchant online on XXXX XXXX, 2020 for {$1000.00}. After not receiving the package, I filed a dispute with my credit card XXXX Chase bank ). The merchant provided me with a fake tracking number - according to XXXX, the tracking number that the merchant gave me did NOT match my name and address. 
I sent evidence to my bank that the merchant provided me with a fake tracking number but they are taking the merchant 's side. 
They're taking the merchants side because the XXXX tracking number reads that the package was delivered to an address in XXXX XXXX, CA ( the city where I live ). I tried to explain to them that this was a common fraud practice where the merchant uploads an already used tracking number. They're ignoring the evidence that I sent them that proves that the tracking number doesn't match my name or address.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021, NC Financial at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) opened a personal loan in the amount of {$7000.00} to someone claiming to be me using my credentials to open the account. This was not me opening this account. I retained XXXX Identity theft protection and XXXX ( we ) to work for me and with me to resolve this matter. We contacted NC Financial about the fraud and confirmed the account was opened using my stolen identify. NC Financial fraud department explained that a police report or other documentation was required to move forward.
Product: Debt collection

Second Round LP, collecting on behalf of XXXX XXXX XXXX continues to try to make attempts to collect on a debt that has already been paid for on XXXX XXXX, 2011. They call me various times a day!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX  XXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Consumer Loan

Santander is reporting a profit and loss on my credit report for something that they repossessed and resold but I am being charged for the entire amount of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX and XXXX XXXX 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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Columbia Debt Recovery LLC DBA Genesis Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX  NAME : XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Dear Columbia Debt Recovery LLC DBA Genesis I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter. 
XXXX XXXX
Product: Debt collection

ccount info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$540.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$540.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Co-signer Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$8900.00} XXXX updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth for several months with disputes with Equifax regarding my 2 accounts with XXXX which are both being reported inaccurately. On XX/XX/2018 I submitted an online dispute with Equifax, XXXX. XXXX XXXX, XXXX, GA XXXX for both of my accounts with XXXX requesting an investigation into the matter. I stated to them that the XXXX accounts were being inaccurately reported. Although in this latest dispute and my request for written verification per the FCRA, Equifax is still listing both of the accounts as being 120 days late. They are still stating that the accounts are verified and accurate without providing me with the proof I requested on XX/XX/2018. Both accounts were paid in full and transferred so how can they be 120 days late? Why does Equifax refuse to provide me with the written verification? All they are doing is prolonging this action plus causing unnecessary negative marks on my credit report.
Product: Student loan

I was told by a rep in XXXX XXXX that my loan debt would be put on hold because i was unemployed. And there wouldnt be a payment due for another year which would have been XXXX XXXX. Then i recieved a bill for XXXX XXXX. I called and they told me it was fixed. A month later i recieved a bill that was for {$80.00} due XXXX XXXX. I tried calling again on several occasions. The 1st time they gave me the run around about some paper work..the website they sent me to didnt let me submit my paperwork for some reason. Ive tried calling again to help me out with this problem, but i havent gotten an answer yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Huntington National Bank ( via XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Checking or savings account

On XX/XX/2020 I paid rent for my final months of living here at XXXX XXXX XXXX XXXX XXXX in XXXX. I mad one payment for XX/XX/2020 and one for XX/XX/2020 to my landlord XXXX XXXX from XXXX through the Bank of America. Mr. XXXX is very difficult to get a hold of when it comes to things where it is non beneficial to him in any way. He is also very unreasonable and he told me my lease ends in XXXX on the XXXX. That means I paid XXXX rent for no reason and without my cash I will not be able to find a new dwelling because my rent money is now gone. 

I was told nothing can be done. It is unacceptable for XXXX to acccept that payment and feel it is done with ill will and is fraudulent since there was never any intention on having me stay through the month of XXXX which i paid with good intent and was taken advantage of. 

This puts me in danger of Homelessness during covid19 with my XXXX condition it can even mean death for me on top of the homeless situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

ALL inquires listed below are fraudulent! i never applied nor do i have credit card with those creditors! 
i spoke with the creditors back in XX/XX/XXXX and they said it will be removed, its been 4 months and its still on my report ( Experian ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX. 
XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXF XXXX XX/XX/XXXX XXXX
Product: Debt collection

I became aware of a negative knock on my credit in 2020 by a debt collector credence collection. They instructed me to contact XXXX XXXX XXXX XXXX to resolve issue. I contacted them and they explained to me that they were looking for a XXXX somebody at at XXXX XXXX somewhere. I have no idea who this person is nor do I know or have ever lived on XXXX XXXX XXXX I told them it was fraud. I then got back in touch with XXXX to explain the same. I then contacted the social security office to let them know my information had been taken to create an account for XXXX XXXX XXXX XXXX XXXX After many calls it was eventually removed from my credit. Until naturally right before Im going to purchase a house it popped back up. This time instead of XXXX XXXX  it was under XXXXXXXX XXXX. So I was back to the same thing. I contacted XXXXXXXX XXXX they wanted me to pay the debt to have it removed when I explained it wasnt mine I told them I couldnt do that out of principle. They did tell me I could talk to XXXX XXXX XXXX XXXX XXXX So I did again. This time doing it online. But in hoping to speed the process up I hired the national debt lawyers at XXXXXXXX XXXX After 3 months this issue was again resolved and off my credit. Until this month. Now its not XXXX nor XXXX its IC systems collecting the same amount looking for the same person at the same address neither of which I know. I filed a dispute with XXXX and called a dispute with XXXX. XXXX denied my dispute transunion said they would resolve it. XXXX site advised me to call the debt collector. I called IC systems and they asked for XXXX. After I told them I have no idea who that is, explained the whole situation they said they could no longer talk to me and I needed to submit my information here. So here we are.