23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I requested that this company validate the debt that was sent to me and proof that they were licensed to collect this debt. This company did not fully validate the debt and they are not and they are not licensed to operate in my state.
Product: Debt collection

XXXX XXXX XXXX XXXX owned by XXXX XXXX owes me money for damages. Their bathrooms were poorly maintained and falling apart. I made their maintenance aware of this on numerous occasions and they did not fix them. I ended up falling because the shower curtain holder broke when I was getting out of the shower and hit me on the head. XXXX XXXX XXXX owes me {$18000.00} in medical expenses alone from this. Additionally, a maintenance personnel told me that he and the manager wanted me gone because of my race. After this, I received three eviction notices in a very short amount of time. Two of them were completely fabricated. On one of them the maintenance personnel blamed me for falsifying the condition of my sink. This is exactly what the maintenance personnel told me. The other one came when my XXXX account got hacked. I was harassed and abused by the maintenance and the apartment management. At this point, the management gave me 7 days to leave. However, I gave them proof that my account was hacked. They took this claim away and then my door was being knocked at odd hours of the night by maintenance personnel. I did not feel safe and I had no choice but to leave. I was driven out of my home. After driving me out, the apartment created an invalid debt. I was constructively evicted when the door was knocked on and I was harassed. The apartment company did not even try to collect the debt from me and sold it to collections.
Product: Checking or savings account

On XX/XX/2018 in response to an internet offer that promised a {$400.00} bonus, I opened Citibank checking and savings accounts and subsequently deposit {$15000.00} dollars. To maintain this amount for 60 days was the requirement for the {$400.00} bonus. After the 60 day period I contacted Citibank a number of times regarding the unpaid bonus. Their offshore call centers make contacting them difficult, but I persisted and on each occasion their customer service agent imediately asked for " an offer code ''. I responded to the offer directly through a weblink and have no knowledge of any such requirement. Subsequently I investigated and their bonus offer saw still widely circulated without any " offer code '' whatsoever. This is nothing more that a ploy from Citibank to increase their deposits without paying the depositors any interest or bonus. I ask you, or any reasonable person : would you deposit {$15000.00} in a bank account offering .04 % or less when you can easily find banks currently paying 2.0 % and higher. Citibank must be enjoined from cheating consumers through this most obvious fraud. Please feel free to contact me for any documentation required in prosecuting this illegal banking activity. I have considerable evidence to establish the fact that they are cheating their depositors. I have provided two pertinent screenshots of the offer I responded to and Citibank 's acceptance.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to access my credit file due to a message I received and I was completely blocked. When I tried to get help the rep hung up on me. There are several disputes I need to monitor and I can not access my file in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has violated the FCRA by doing shoddy investigations which I have a article enclose by the CFPB which states this. I also have previous dispute which proves this XX/XX/2022, XX/XX/2022, and XX/XX/2022. TransUnion has also violated the FCRA by having a data breach which has effected me.
Product: Student loan

MOHELA has been double charging me since they switched to a new servicer. Every month, XXXX is taken directly out of my account, which is the amount I owe each month, but is not registering on their website. I then get a late notice and have to pay an additional amount, even though I already paid them what I owed. This month ( XX/XX/year> ), I had two charges. XXXX on XX/XX/year> and one on XX/XX/year> both for the amount of XXXX. It again did not register on the account and they sent me a late notice on payments. I have requested to be taken off autopay online, over the phone, they have claimed my status says that I'm not on autopay, yet money is still being taken out by MOHELA. I called to rectify this on XX/XX/year>, and was on hold originally for XXXX minutes, then spoke to someone who again confirmed I wasn't on auto pay and then transferred me to customer service where I was on hold for two hours, until I finally hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late purpose.
Product: Money transfer, virtual currency, or money service

I entrusted Coinbase with {$34000.00} to do as they advertised : allow me to buy and sell bitcoin. Over a month ago, they locked my account from buying and selling bitcoin, and I could not cash out when the price went up. Now, I have lost over {$20000.00} from price drops and no reason was given other than a few days ago, when they finally assured me that my account was unlocked. They claimed they locked my account because I did not send my articles of incorporation when emailed about it by a team member, even though my account was initially approved for the first few months of use without any trouble. I have not broken any of their terms of service, and access to MY MONEY was stripped from me and still is, even though they said they unlocked my account. IT IS STILL RESTRICTED FROM SELLING MY OWN COIN. Coinbase is a scam company and should be avoided at all costs. I have no choice other than to file a lawsuit at this stage as I was not able to get access to my money when I needed it and have lost XXXX XXXX dollars and increasing in value, also due to other business troubles because I do not having my money when I need it immediately. These frauds should not be in business and I will be compensated for all losses and then some. I recommend that anyone else having problems with these scam artists find a lawyer who will work pro bono.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion due to noticing an unauthorized hard inquiry by the below company : I asked that they remove the inquiry of the company XXXX XXXX XXXX
Product: Credit card or prepaid card

In XXXX 2020 I purchased round trip ticket XXXX ( XXXX USA-XXXX ) using my Chase Amazon Prime credit card. 

In XXXX 2020 the first leg of the flight was cancelled by the airline. In XXXX 2020 the second leg of the flight was cancelled by the airline. 

The airline no longer flies this route and it is unknown at this point when and if the route will be reinstated. 

The contract of carriage says that I am supposed to be offered cash back if the flight is cancelled by the airline. See article 17.2.2 ( 1 ) of the contract of carriage which covers the flight cancellation provision ( attached ) The airline violates its own contract of carriage and is only offering the voucher for future travel. I have no use for such a voucher. Airline does not offer cash though it is supposed to offer it as refund option according to its own contract of carriage. When I contacted airline in XXXX 2020 they refused to give my money back. 

I initiated the chargeback with Chase Amazon Prime, Chase is refusing to refund my money for the service I did not receive. 

I contacted Chase via phone in XXXX 2020. Then in XXXX 2020 and then in XXXX 2020 via regular mail. Chase is refusing to complete charge back on my behalf, thus it violates the Fair Credit Billing Act. Chase leaves me exposed to the charges for which I have not received any service.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are illegally furnishing a consumer report of me containing exclusions which is a violation of FCRA ( 15 U.S.C. 1681a ) which states that a " consumer report containing information solely as to transactions or experiences between the consumer and the person making the report '' is excluded from the consumer report. In case these consumer reporting agencies are not aware, I offer them an opportunity to remove these violations. I demand my privacy be taking seriously and if these agencies continue to violate I demand the CFPB fully enforce its obligations to hold these reporting agencies accountable for their actions in violation of the FCRA and consumer Privacy laws. 

Due to the serious nature of this claim I give XXXX, Transunion, and XXXX 5 days to correct this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Experian Credit. I have requested information from Experian to confirm if a debt is accurate. I included my social security card and drivers licensed. The company did not respond. An example of how serious this fraud claim is, XXXX XXXX XXXX Account # XXXX for Loan Amount {$5500.00}. This company is committing fraud. I am requesting that Experian request the original contract and any move-in sheets before and after be provided. Companies are able to put these false claims on a credit report without having any documentation to show an agreement existed or that the amounts owed are accurate. In the case of National credit system, representing XXXX XXXX. I never signed a lease with the apartment complex. When I asked to sign my lease the managers assistant told me not too. When I moved into the apartment I was harassed so much by management because the assistant saw the error the manager made and use me to get the attention to its corporate office. I was recovering from XXXX and stage XXXX XXXX and the harassment was affecting my health. I would request heat and get no response ( remember my health was bad ), I provided documentation to show how roaches and ants was coming through several unsealed cracks. The management said it was renovated! 
Experian needs to request the signed lease and pre moved signed check list for XXXX XXXX under XXXX XXXX from the XXXX XXXX XXXX. This same request for information is for Fair Collections & Out Account Number XXXX. In the case of Account number XXXX for {$2400.00}. I cancelled my XXXX service with XXXX XXXX XXXX in XXXX for poor billing process. As a result I am requesting the original contract for my phone service and the cancellation documentation for XXXX service. 
The account XXXX XXXX XXXX Account Number XXXX {$4400.00} is an account I tried to contact but the company would not send the original contract for me to review. Please have Experian send these companies my request for documentation to prevent fraud on my report. I am sending this request through the XXXX to track the response from Experian for these requests. If this information is not provided by Experian with in 30 days, I would like the account removed from my credit report until the information is provided. I am exercising my rights under Fair Credit Reporting Act 609 and 611. 

Attached are the accounts from my report in which I am requesting the original documentation. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXX XXXX
Product: Checking or savings account

If wells fargo does n't handle any domestic dispute. Then why did they get involved when XXXX XXXX falsely accused me of harassing her. I have never harassed XXXX XXXX, and how was I harassing her when I was told by wells fargo to come in a local wells fargo brance to get my new account open. It was all a set up by wells fargo to falsely accuse me of harassing her. I did not know at the time that she was in the bank. I was only taking care of my own banking business. XXXX XXXX is using her position to do unethical and felon criminal things toward me. Wells fargo refuses to explain how i am continuing to harass her. I was only in the bank to handle my own banking business and XXXX XXXX had no right to interfere in my business. Wells fargo has the definition of harassment all wrong. I have never harassed XXXX XXXX she has always harassed me and I take it as an insult for wells fargo to believe her side of the story over mine. If they do n't handle domestic disputes then why did they get involved to close my account, due to my " Continued harassment of their " PRECIOUS '' district manager XXXX XXXX. This was a injustice done to me and is completely unfair how they have allowed XXXX and XXXX XXXX to harass me and slandered my name which caused me to lose my checking account. I only had my new one open for a few weeks and it is an " OUTRAGE '', that they let this happen to me. Banks are suppose to take privacy issues very serious, but they let XXXX and XXXX XXXX violate me and my sons personal and financial information to be compromised. The first story wells fargo told me that my account was " COMPROMISED '' which is why they closed it, and they told me i had to come in a local wells fargo branch to open a new one. Its a plain insult after running me back and forth trying to get my new account open, for XXXX XXXX to say that I harassed her and close it. There is " SECURITY FOOTAGE '' to show that I was only handling my own banking business. There is something very wrong here if wells fargo refused to look at the security footage but took her side and refused to listen to my side of the story. XXXX XXXX has " DEFAMED '' my character all around wells fargo and getting her co-workers involved in the unlawful and felon harassment against me. The reason why wells fargo is protecting XXXX and XXXX XXXX is because they big bosses at wells fargo are felon criminals to. It was n't " FAIR '' that wells fargo closed my account and told me I could n't enter into a wells fargo, even if i had any type of loan. I was to conduct any type of business over the phone, this was a direct violation of my " CIVIL RIGHTS ''. And how they still allow XXXX XXXX to do unethical and felon things against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS SEVERAL TIMES. THESE ARE NOT MY ACCOUNTS. THEY ARE FRAUDULENT ACCOUNTS. HOW IN THE ENTIRE XXXX DO I KEEP GETTING ACCUSED OF USING A CREDIT REPAIR COMPANY? THIS IS CAUSING MAJOR STRAIN ON ME AND MY FAMILY. THIS IS ALSO CAUSING ME MENTAL ANGUISH AND XXXX. I FEEL AS IF I AM BEING VICTIMIZED ALL OVER AGAIN. THESE COMPANIES SHOULD NOT BE ALLOWING PEOPLE TO COME INTO THEIR BUSINESS AND OPEN FRAUDULENT ACCOUNTS. THEN THE CREDIT BUREAUS IRRESPONSIBLY REPORT THEM ON MY XXXX CREDIT. XXXX  AND XXXX  REMOVED THESE FRAUDULENT ACCOUNTS. XXXX  REFUSE TO TAKE THESE FRAUDULENT ACCOUNTS OFF MY CREDIT. MY NEXT STEP IS TO CONTACT THE ATTORNEY GENERAL. I WILL BE BRINGING A LAWSUIT AGAINST XXXX, XXXX XXXX  XXXX, AND 1ST FRANKLIN. ALL THESE COMPANIES ARE SCAM. THEY FRAUDULENTLY LET PEOPLE OPEN CREDIT ACCOUNTS IN MY NAME.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ACCOUNT IS COOSED BUT STULL ACTIVE AND SHOWING LATES EVERYMONTH. How is that possible? I disputed on XXXX. At XXXX. And XXXX. At XXXX came back verified problem not fixed that telling me Experian not doing proper verification. This needs to be fixed or deleted attach is copy of email Experian sent me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed the request form for my credit reports through XXXX XXXX.Their letterhead on THEIR request form.Approx 2 weeks later, XXXX comes through, great.Approx 6 days later, XXXX comes through, great.Now, approx 33 days later, Nothing from Equifax, no letter asking for additional verification, which a pers on could reasonably expect.Calling one those credit unions, as most of us know, means many hours on hold, I did that too.I had hoped Equifax MIGHT notice the other 2 did.A t XXXX, US citizen, never left country, not a felon, just a blue collar worker who worked his w hole life.Their is not even 1 good XXXX  reason for lack of report.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute inaccurate and fraudulent information appearing on my ChexSystems report XXXX which I believe does not belong to me. The following account is erroneously listed, and I request a full investigation into this matter. It appears that this account may be the result of identity theft or a reporting error.

ChexSystems Report : XXXX XXXX XXXX XXXX Account # : XXXX, This account is not mine, and I have not authorized or opened it. I am requesting that ChexSystems conduct a thorough investigation into this account and remove all fraudulent or incorrect information from my records. 

Please find attached the following documentation to support my dispute : - A copy of my government-issued ID. 
- A copy of my current utility bill as proof of address. 
- A copy of my ChexSystems report - A statement affirming that I did not open or authorize this account ( fraud report ) I would appreciate your prompt attention to this matter and request that you notify me in writing of the outcome of your investigation. I am aware of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), and I expect a resolution to this issue within the legally required time frame. 

Thank you for your prompt assistance in resolving this matter.
Product: Credit card or prepaid card

I have account with Chase sapphire reserve credit card which includes {$450.00} annual fee and {$75.00} annual fee for authorized user in exchange to priority pass ( free access ) to lounges in any airport that has one. I did receive XX/XX/XXXX statement with due date XX/XX/XXXX showing 2 charges for priority pass guest visits, {$27.00} each, for XX/XX/XXXX. I did use a lounge in XXXX XXXX airport that day. We had 2 priority passes at that time - one was for myself, another was for my husband ( authorized user ). We had XXXX guests with us - XXXX adults and XXXX kids ( XXXX and XXXX years old ). Each priority pass user can bring XXXX more guests for no charge. Moreover the kids under XXXX years old is no charge. Yet 2 month later Chase decided to bill us additional {$54.00} on top of annual membership fee I paid in XX/XX/XXXX. It does contradicts Chase sapphire marketing and advertising of the priority pass benefits. I was trying to solve an issue with Chase sapphire reserve representative yet had no success. Chase rep was not able to explain why I was charged 2 month after my initial visit. Moreover Chase rep did not have any proof for number of guests I had that day. Chase rep said the charge was based on XXXX XXXX lounge information which contradicts the actual number of guests I came with. As of today I was charge for something I am not responsible for and Chase sapphire reserve does not want to help resolve an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened this account with my information and received the list of transactions sent to me, but I did not even live in Florida at that time. I was in the XXXX XXXX studying and they sent me proof even of a payment that I have no idea where it went. I would like to be shown where I sign? Where I applied for that account because if not, they were removed from all the credit agencies immediately
Product: Debt collection

XXXXXXXX XXXX  XXXX XXXX continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.
Product: Credit reporting or other personal consumer reports

The company XXXX collector ( a third party collection agency, with whom I have no business with or contract with ; are reporting inaccurate information on my name. Continuous calls at all hours of the day and evening are troubling and bothersome. In this regard they are also violating FDCPA laws and also violating FCRA Laws. 

I ask that this information be removed from all three of my credit reports and ALL communication be seized immediately. 

There are claims that there was pet damage to the unit, and I have never owned pet-and there was never a pet deposit made as well.
Product: Credit reporting or other personal consumer reports

I previously submitted several disputes with Experian regarding a XXXX credit being reported on my personal credit profile. After investigations, I received responses indicating that Experian refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for these XXXX XXXX  accounts. I believe it is essential for me to receive this documentation, as it is my right to verify the legitimacy of these accounts. 

Without this proof of authorization, I insist that these accounts be promptly removed from my personal credit report. However, Experian consistently refuses to remove them and provide me with documentation from the creditor. I did not apply for these XXXX XXXX, nor did I benefit from them. I did not authorize anyone at the business to apply for a credit card in my name, nor did I sign any credit card agreement. I no longer work for the company and am asking that the creditor provide proof that authorization was given by me to open these accounts in question. They are violating my rights. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) - Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today because Im in shock how poor attention my credit reporting has gotten. After reviewing my credit and the FCRA, I must bring this to your attention the following items that should be removed immediately according to the FCRA. According to XXXX5 usc 1681a ( 2 ) ( B ) The accounts XXXX XXXX XXXX XXXX  and XXXX OF XXXX / XXXX should be excluded from my credit report. The Credit reporting agency is preforming unfair practices I now can not get a mortgage because of these accounts showing on my credit also I never gave credit reporting agency written consent to disclose my personal information according to 15 U.S. Code 1681b ( 2 ). The credit reporting agency is giving me a hard time resolving this unfair situation.