23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I used to live at XXXX XXXX, XXXX XXXX, Tx XXXX and i joined XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX XXXX XXXX and XXXX. My XXXX started XXXX XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas in XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and XXXX.Please find attached document showing details of my schedule and program for my XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax will not remove my IRS withdrawn tax lien. I supplied my form IRS XXXX ( Withdrawal of Filed Notice of Federal Tax Lien After Release ) and disputed XXXX times to no avail. 

The last time I filed a dispute I spoke to a Equifax manager ( XXXX ) stated that the lien was only released, not withdrawn. The representative said there is no way to remove a tax lien.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Innovis is reporting a XXXX XXXX XXXX  account which is a Charge off account. After filing a charge off during tax season XXXX XXXXXXXX XXXX is required by law to list a charge off as a XXXX  balance. This is inaccurate reporting by XXXX XXXX XXXX and must be DELETED due to inaccurate reporting to any consumer credit agency. I have attached a copy of my Innovis consumer credit report as proof that XXXX XXXX XXXX is reporting a charge off account with a balance of {$990.00}.
Product: Credit reporting or other personal consumer reports

XXXX  consumer report reflects 28 different charge off dates with Elan Financial Service. Elan Financial Service is reporting on several different dates as charge off dates when it should only reflect 1 charge off date or XXXX is reporting this false and inaccurate information in my credit report. My XXXX report also states that Elan Financial has written off this debt per my XXXX report. If so, this account should not reflect a balance ( maybe a past due amount but not a balance ). Also, if Elan Financial has written off this debt they was suppose to provide me with a 1099 tax form so that I can or could have file this debt with the IRS. I have already check my account with IRS.gov and checked all transcripts from XXXX and it does not have anything from or for Elan Financial Service . Either way this does not meet the FCRA regulations and/or guidelines. This is consider false reporting. Report is attached to validate this errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file are listed 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
Product: Bank account or service

I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Bank of America has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, PA XXXX XXXX : XXXX Block Request # XXXX XXXX XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # # XXXXXXXX XXXX XXXX # # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # t XXXX XXXX Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
[ Identify item ( s ) resulting from trafficking that should be blocked, by name of the source ( such as the credit card issuer or bank ) and type of item ( such as credit account, checking account, criminal conviction, utility account, etc. ). It may also be helpful to include dates and account numbers. ] Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Good morning. On Saturday, XXXX XXXX, XXXX I attempted to withdraw money from my bank account at XXXX XXXX bank via ATM. The ATM screen notified me that I would not be able to complete the transaction and needed to call XXXX, when I did that I was informed that there was a lien against my account and I would need to call back on Monday, XXXX XXXX, XXXX to speak with someone from the legal department. 
I called this morning, XXXX XXXX, XXXX, at XXXX and the representative transferred me to Results Unlimited, Inc , a collection agency in XXXX , VA. I spoke with that representative and was told I owed {$3500.00} for monies owed for an apartment I never heard of, however, my name and social were used. I asked for any information on this to be faxed to me and I was told that I would have to call XXXX XXXX XXXX ( I was also never given a name for the representative at the collection agency ). 
I called XXXX XXXX XXXX and was told that the judgement was passed in XXXX. I asked how I would have been summoned and was told the Sheriff would have served me with the notice to appear. I lived aboard the XXXX XXXX XXXX XXXX at this time, however, and never received a summons. 
I then called the XXXX XXXX 's office and was told that if a member of the military is summonsed, the court would contact the command 's legal department and they would arrange for the XXXX to meet the Sheriff at the XXXX police station. That never happened, either. 
My bank account is still frozen, and I was told that it would remain frozen until the {$3500.00} is paid. I get direct deposit from my employment, as well as VA XXXX. Is this legal? What options do I have? This " judgement '' is not even appearing on my credit report. This will render me homeless!!! Please help!
Product: Credit reporting or other personal consumer reports

On XX/XX/24 I Priority-Mailed a letter to Experian ( USPS Tracking shows letter was received by Experian on XX/XX/24 ; the letter contained all back-up requested by Experian on their website ) explaining that it had been many years since I created my Experian account and placed a Freeze on the account. When I tried to login on XX/XX/24 the username and/or password did not work. I tried XXXX Experian phone numbers ( XXXX and XXXX ), but was not given an option to speak with a live person. The XXXX number said it would text a verification code to my phone number, but although I tried twice, I never received one ; and again, was unable to speak with a rep to verify the area code and prefix of the number they have on file is correct ( they had the last 4 digits correct ). We are in danger of losing financing because of the freeze. I had the same old-login problem with the other reporting agencies, but was able to speak with live reps who verified security questions and were able to reset login and unfreeze the accounts, very easily. I am beyond frustrated that I can not find a phone number for Experian that has the option to speak with a live rep, and that they have not responded to my XX/XX/24 letter. The lender we are hoping to obtain financing confirmed again today that there is still a freeze on the account. Help!
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 consumers rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 602 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 items 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 cost to believe that the information is inaccurate Also, I never lived at these address 's XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXX XXXX, CA XXXX XXXX know anything about them.
Product: Checking or savings account

I received a business debit card from Square issued by XXXX XXXX. I never applied for a Square checking account. To receive a Square debit card, I would need to first open a checking account with them. My credit is frozen so both Square and XXXX would not be able to issue me a new account as I never had a previous account with either entity. It should be on Square to ensure the proper identity of the person opening the account. I called XXXX XXXX  to relay the problem of the open checking account with Square and XXXX 's business account debit card but all they could do was to just cancel the debit card and inform Square that the account was likely fraudulent. My issue is that Square opened the checking account without their due diligence of ensuring that the account was not opened fraudulently. Likely the fraudulent Square checking account will be used to falsely charge credit cards so that the scammer can withdraw the cash at a later point. If the credit card charges are investigated, then my name is on the account as the owner and may trigger a police warrant. If feel that Square is trying to capture market share by opening Square accounts and making it too easy to open accounts for scammers.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have continuously begged Wells Fargo to remove me from their call list. I'm traumatized by the incessant harassment by Wells Fargo. They call me for no apparent reason. I advised them that unless I'm late on a payment or something dire has happened with my account, they shouldn't call me. I'm XXXX and their employees call me to provide me with no information. I was called by an agent to ask if I signed my loan docs, and then realized I had. It wasn't even past the deadline. They haven't updated my payments and I noticed some irregularities on my statement. There are large payment reversals on XX/XX/21. Wells Fargo systematically targets vulnerable populations and they continuously unnecessarily harass me. If they don't resolve this once and for all, I'm hiring an attorney!
Product: Debt collection

Midland Funding LLC Continues to come to my home looking for someone who does not live in the house knowing he does not live with us. Bangs heavily on the door and sits in his car watching the house. Now they are taping things to my door.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Name : XXXX  XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

World finance has all of a sudden in the last 6 months decided that they wanted to change the date of open on my account from date opened XX/XX/XXXX to date open XX/XX/XXXX! 
They now show it as active collection with a balance of {$360.00}. Which is an increase of {$60.00} and shows as derogatory! 
There has been no communication whatsoever from them nor can I get anyone to give me an answer. If I'm not mistaken isn't it illegal to change the active date on an old account ( XXXX ) so that you can make it reoccur? And then add more to the balance so that it's detrimental to my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

They just closed the following complaint with out doing anything and provided false Information on their response. 

Last Complaint with XXXX Case # : XXXX I called XXXX and checked my transition account and they have no record of me having an account with Capital One so they can no assist me with disputing information I even called the Number by capital one and spoke with a supervisor on why the letter I received was in accurate and pressed why the credit bureaus were not showing I even had an account which they directed me to the credit bures which I explained they have no record of me having an account and their for can not help me since as far as they are concerned I don't have a credit card with capital one or XXXX XXXX XXXX . 

I am fed up with this company not doing anything and providing inaccurate information to the XXXX on their response. 

which the one Credit Bureau that is showing them now was only very recently it started to show on my report through XXXX. 

I have requested my credit reports and would like to add them when received in the mail to share with the XXXX.
Product: Student loan

I left the XXXX XXXX XXXX in XXXX of 2016 and joined the XXXX immediately thereafter. I could no longer afford to stay in college. I thought by joining the XXXX that my student loans went into a military deferment. My mailing address has never changed. I have never, ever, once received any written correspondence of any kind from FedLoan telling me my student loans payments were due, and had no idea that they were in default until my security clearance review. 

My credit file is being negatively impacted with past due amounts. 

Nor had I ever been advised of income driven repayment plans.
Product: Debt collection

Ive told Penn Credit that their records are incorrect. There is no longer a balance owed to XXXX XXXX XXXX as I paid it directly to them. Penn Credit is still claiming my debt is valid. Ive returned XXXX debt validation letters telling Penn Credit that the balance with XXXX XXXX XXXX has been paid off. I also told them over the phone that it has been paid to the XXXX XXXX. The last debt validation letter that I received from them stated that my lack of communication shows that I have no intention of paying my debt. It has been paid to XXXX XXXX XXXX and I owe {$0.00} to them or Penn Credit. {$1100.00} has been paid to XXXX XXXX XXXX. Penn Credit claims I still owe them {$1100.00} and XXXX keeps updating the disputes as valid
Product: Credit card or prepaid card

I booked with XXXX XXXX thru XXXX using Citicard on XXXX XX/XX/2020. Due to pandemic, the park was closed during my stay. It is taking a while to refund so I disputed with Citi. They decided on merchant 's favor for no reason given to me. So I tried to reach out to XXXX XXXX. I spent so much because it's international call but no luck. I almost give up but finally was able to get a hold of them thru XXXX. They said that they could not refund my money because I/Paypal already took it. I appealed to Citi and told them what happened. They still favored the merchant. Why?? So where is my money? If XXXX said they don't have it and Citi never returned it back to me? Then where is the money? Who do I turn to if both merchant and card company do not want to help me. I want to give up but {$450.00} is a lot of money for a struggling consumer like me. Why big corp like XXXX and Citi take advantage of small people?!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has recently been brought to my attention that my information has been shared on the internet and on the dark web. This information was given to me through XXXX XXXX, a XXXX XXXX service. As a result of this information there have been numerous hard inquiries associated with my name and social security number. These inquiries include, but may not be limited to, the following : XXXX XXXX  Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX Inquiry from XX/XX/XXXX XXXX. 

XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX XXXX. XXXX Inquiry from XX/XX/XXXX Personal Services ( Non-Medical ) XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX  XXXX, XXXX Bank XXXX   XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX - XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilities XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX All Banks XXXX - XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX  Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX XXXX, XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 

XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX XXXX XXXX Inquiry from XX/XX/XXXX Auto Financing XXXX XXXX Inquiry from XX/XX/XXXX Automobile Dealers, XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX All Banks
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX  XXXX Account # XXXX XXXX/XXXX  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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to inform you that my social security number has been compromised, resulting in XXXX XXXX. I have reported this to the Federal Trade Commission and enclosed the FTC Report with this letter.

Under 15 USC 1681c-2 c ( a ), you are required to block and remove all fraudulent information from my credit report within XXXX  business days. The following accounts are unverified and inaccurate, violating my consumer rights under the Fair Credit Reporting Act ( 15 USC 1681 ) : ACCOUNTS BEING CHALLENGE : XXXX XXXX XXXX XXXX INQURIES BEING CHALLENGE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you fail to respond promptly, I will pursue legal action, seeking damages for each violation under 15 U.S.C 1692k. The violations include : Defamation of Character Negligent Enhancement of Identity Fraud Violation of the Fair Credit Reporting Act Civil liability for negligent non-compliance ( 15 USC 1681o ) Civil liability for willful non-compliance ( 15 USC 1681n ( b ) ) Failure to comply with 15 USC 1692 ( g ) Violation of permissible purposes of consumer reports ( 15 USC 1681b ) Method of verification ( 15 USC 1681i ( 7 ) ) Right to privacy ( 15 USC 1681 a ( 4 ) ) Requirements relating to information contained in consumer reports ( 15 USC 1681c ) I demand immediate action to block and remove the fraudulent accounts from my credit report. I have provided the necessary information to facilitate this process and request that you acknowledge receipt of this letter and provide a timeline for resolution.

Additionally, I am aware of delays in processing consumer disputes and challenge your belief that third-party assistance justifies such delays. This is a violation of 15 USC 1681i, and any delay will be forwarded to my attorney.

Please acknowledge this letter and provide a timeline for resolution.