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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXX/XX/XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( Original Creditor : XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXX XXXX ( Original CreditorXX/XX/XXXX ) XXXX Balance : {$110.00} XX/XX/XXXX Balance : {$3600.00} XX/XX/XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$6200.00} XX/XX/XXXXXXXX Balance : {$23000.00} XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THESE INQUIRIES XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX - XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXXXXXX XXXX  XXXX Inquiry : XX/XX/2019 XXXX   XXXX XXXX Inquiry : XX/XX/2019 XXXXXXXX XXXX XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX Inquiry : XX/XX/2019 XXXX XXXX XXXX  XXXX Inquiry : XX/XX/2019
Product: Debt collection

I received a copy of my credit reports from all three credit reporting agencies. I noticed that there was a debt on there for cable services for an apartment that I never lived at and I have filed a complaint for that as well as my signature was forged on a utility billing addendum and I have provided proof that it was not me that agreed to that debt. I have contacted all three credit reporting agencies and they had the collection agency send a copy of a cable bill but as I said, there is nothing with my signature on it and anyone with your personal information can sign up for cable services or any utility service for that matter and not show identification. I never lived at the address where services were rendered and I need that debt to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

I had money sent to me using venmo. They froze my account and asked me to verify my id. I submitted my id. They deactivated my account and won't tell me why. I had {$1100.00} in my account.
Product: Debt collection

I am writing to CFPB regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am formally requesting validation of the alleged debt you claim I owe.

In order to comply with federal law, please provide the following documentation : 1. Proof of Ownership : A signed contract or agreement with my signature that verifies I owe this debt to your company or the original creditor.

2. Chain of Custody : Documentation showing the transfer or assignment of the debt from the original creditor to your agency, confirming that you have the legal right to collect this debt.

3. Itemized Breakdown : A complete and itemized statement of the alleged debt, including the original amount, any fees or interest applied, and the current balance.

4. Original Creditor Information : Complete contact information for the original creditor, along with a copy of any billing statements or other communications sent by them.

5. Proof of Compliance with State Laws : Any documentation verifying that you are licensed to collect debts in my state of residence and that the statute of limitations for collecting this debt has not expired.

6. Reporting to Credit Bureaus : Documentation showing that the debt has been reported accurately to any credit reporting agencies, including the dates of reporting and any disputes noted. 

By law, you are required to cease all collection activities and communication with me until you provide all of the requested information. I await your response. 

Please note, any failure to provide sufficient validation within the legally required time frame will result in your claim being considered invalid, and I will demand that you remove all references to this alleged debt from my credit report with all major credit bureaus ( XXXX, XXXX, and XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$720.00}
Product: Debt or credit management

I am filing a complaint against Lexington Law Firm for promising credit repair services that were not fulfilled and charging me upfront fees before any work was performed and without any proof of the work that was done with the cost. This practice violates the Credit Repair Organizations Act 15 U.S.C. 1679-1679j which prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of " credit repair '' services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights. I request the CFPB take action to ensure Lexington Law complies with federal law as these actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madame : I am writing this complaint today regarding a failure to investigate and respond to my dispute. I have written three letters, two of which have been received by Experian, and have not received a response. I have included return signature mail receipts showing they were received. The first dispute and request for investigation into the accuracy of their records was received XX/XX/2022, and did not receive a response. I followed up with another letter dated XX/XX/2022 that contained a copy of the original dispute letter that did not receive a response from XX/XX/2022, as well as notice that they had not responded, and another dispute and request for investigation. The post office was unable to locate this certified letter, as one of the mail reciepts attached shows. Upon notification of this error by the post office I wrote another letter dated XX/XX/2022 notifying them that they had failed to respond to my dispute and request for investiation into the accuracy of their information. I enclosed a copy of both previous letters and mail receipts, and sent this letter certified return receipt electronic signature as well. The documents attached show the dispute was received XX/XX/2022, and have not recieved a response that was due by XX/XX/2022. This may be considered willful non-compliance under the requirements pursant to the Fair Credit Reporting Act. One negative entry in particular regarding XXXX XXXX, XXXX is a problem due to the fact that it is inaccurate and they have failed to investigate or validate the information reported, and Experian has been complicit by having failed to investigate or verify the information, as they have not responded. I have written a seperate, but related, complaint regarding this collection company as well. The reference number for that complaint is Complaint Number XXXX. I have attached all documents to support this complaint. My suggested solution would be that Experian respond to my dispute and properly investigate the information contained in the original requests, or remove the unverified inaccurate information, as required by the Fair Credit Reporting Act.
Product: Bank account or service

I filed for a dispute and I did it XXXX XXXX on XXXX XXXX they took the money back without my knowledge when I called they told me that they would put the money back into my account because they took it out without my knowledge even though it was visual credit and my account is still in negative I 've had XXXX people in fraud department told me that I can get my money back and that my account will be in a positive balance again because they took money out of my account without my knowledge then when I called back because it is still negative they act like they do n't know what I 'm talking about and my account is still negative I feel that I 'm getting treated unfairly when I speak to a supervisor of the fraud department he had attitude I do not know his name like he did n't want to be bothered I have been at many banks I have never had a problem with filing for dispute this was the worst.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXX Balance : {$360.00} XXXX  XXXX XXXX Balance : {$990.00}
Product: Debt collection

Right to privacy. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666 B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : XXXX XXXX Account Number : XXXX Balance : {$1400.00} XXXX XXXXXXXX Account Number : XXXX Balance : {$3300.00} XXXX Account Number : XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Experian told me that they had never heard of XXXX XXXX XXXX. That is my credit card company. Consequently, none of the Credit Reporting Agencies is giving me credit for having made those payments, resulting in my Credit Number being so low that I can not rent an apartment. Do you understand?
Product: Credit reporting or other personal consumer reports

What happened? 

I refinanced my vehicle loan through XXXX XXXXXXXX and purchased GAP insurance as part of the process. Recently, I filed a XXXX claim with XXXX, which was denied due to my vehicle having a rebuilt title. XXXX claimed that the rebuilt title disqualified my vehicle from coverage. 

Here are the critical details and timeline of events : At the time of refinancing, I was under the impression that the GAP insurance provided through XXXX XXXXXXXX would fully cover my vehicle in the event of a total loss. 
My vehicles rebuilt title was already on record, and I reasonably expected that XXXX XXXXXXXX would ensure the insurance policy was compatible with my vehicle. 
I have been paying premiums for this GAP insurance policy, unaware that it was essentially void from the outset. 
On XX/XX/year>, I reached out to XXXX XXXX via email, requesting the following : A detailed explanation of why the GAP policy was sold to me despite the rebuilt title. 
Documentation proving that the title exclusion was disclosed to me at the time of purchase. 
Steps XXXX XXXXXXXX would take to address this issue and any potential misrepresentation. 
Despite my request for a resolution within 10 business days ( by XX/XX/year> ), I have received no response. 

On XX/XX/year>, I followed up via email, emphasizing the urgency of the situation and informing them that this issue has significantly impacted my credit score, which has dropped due to the unresolved balance on my loan. To date, I have still not received any communication or resolution from XXXX XXXX. 

I believe this lack of response and potential misrepresentation by XXXX XXXXXXXX regarding the GAP insurance constitutes a serious breach of consumer trust. I am requesting the CFPB 's assistance in investigating this matter and ensuring appropriate action is taken.
Product: Debt collection

In XXXX of 2019 XXXX XXXX incorrectly charged me a disconnection fee, I am currently receiving their services. I spent 4 months on the phone trying to get them to correct this fee. Every time I called they said it was corrected but 2 weeks later they would send another bill. They sent this incorrect bill in early XX/XX/2019 to Credence Resource Management ( a collection agency ). This agency has continually been harassing me. XXXX XXXX finally gave me my long overdue credit but Credence Company continued to be rude, unprofessional and not willing to listen to me when I called them to say I did not owe anything.
Product: Debt or credit management

I enrolled in BriteSide Solutions because I was promised credit repair and debt forgiveness/relief. I paid over {$250.00} per month for 2 years with this company just for no debt to be resolved and XXXX of my accounts have gone to court with the threat of wage garnishment. so now not only do I still owe all of the debt but Im out thousands of dollars to this company that easily couldve gone towards paying down the debt when I previously had a 100 % payment history
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/21 I responded to an ad on XXXX regarding a rental house, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. Person from ad said it's available and to correspond with him by cell, XXXX. He sent me an application by email which I filled out and he accepted, then asked for a deposit and cleaning fee. He, XXXX XXXX, gave me his wife 's email, XXXX XXXX, and bank info at XXXX to transfer the money by XXXX, {$2000.00} total. After I sent it from my bank, First Republic Bank, he started to get frantic because it wasn't showing up immediately, it showed up the next morning since my bank is in California where I live. It showed up the next morning in his wife 's account. Next he asked me for another {$500.00} for a problem that the cleaning people had created in the bathroom. I did not send the money, he kept texting me to " please, please '' send it. He said he couldn't show me the house until it was fixed. I kept refusing to send the additional money. He was supposed to give me the keys on XX/XX/21 at noon. He texted me again that he was waiting for the {$500.00} before he would turn the keys over, I still refused and the meeting time kept changing.I Googled the house and it showed as " Sold '' on XX/XX/21. I went to the XXXX XXXX XXXX XXXX XXXX and searched the records for his or his wife 's name on the purchase. Neither name could be found on any documents. I drove by the house and there were people there, same cars XXXX days in a row. I asked for a refund and he said his wife used the money to pay the mortgage on their other house. I have all the texts and emails including their account info at XXXX. I reported it to my bank immediately. On XX/XX/21 I received a letter from First Republic Bank saying : Based on the results of our investigation, we have determined that the transaction was transmitted or authorized by you through a valid Banking Online session. 

It appears that this should be covered by Regulation E based on the guidelines on your website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I asked all of these companies to mail me a copy of the 1099-C that each company got a tax right off and not one company sent me a response or a copy of the 1099-C. I can't get this copy from any of the Companies I have to contact the IRS for a copy. All of these companies should please send my 1099-C as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

remove fraud account XXXX  XXXX XXXX and inquires
Product: Credit reporting or other personal consumer reports

I am a survivor of XXXX XXXXXXXX, and during the period of my exploitation, my personal and financial information was used without my consent. As a result, fraudulent accounts and debts were accrued in my name. I kindly request that you review my credit report with this context in mind and take the necessary steps to rectify any inaccuracies or fraudulent activities that have occurred. I have attached documentation from relevant authorities and organizations that can verify my situation.
Product: Checking or savings account

Lol I have a slim trust bank account and a suntrust credit card. Suntrust was automatically automatically taking out the balance mode on my credit card from my bank account and paying my suntrust credit card even if I didn't have the balance in the bank account. I did not authorize these transactions this happened on 4 separate occasions this has been detailed in a previous CFP B complaint. Now now, I'm being charged interest on these unauthorized hes unauthorized overdraft Charges that completely resulted from suntrust taking money out of my bank account to completely pay off my credit card balance whenever I would make a purchase on my suntrust credit card. They were doing this without my authorization or permission. Then then after they would drain my bank account to pay off the credit card they would charge me an overdraft fee. Now they're charging me interest on these 4 overdraft fees as well is as well. The credit card has a {$200.00} balance it's supposed to be 0 % interest and none of these overdrafts should have happened in the 1st place because it was suntrust taking it money out of my account that I did not have without my authorization to pay {$10.00} charges on my credit card every time it was used
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX date:XXXX-fraud XXXX XXXX XXXX XXXXXXXX XXXX-fraud XXXX XXXX XXXX XX/XX/XXXX - {$720.00} never had a account with this lender XXXXXXXX XXXX  XX/XX/XXXX victim of fraud never open this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a company that is reporting {$84.00} in collections on my credit report and it has drop my score from a XXXX to XXXX. I have no idea who or what this company is. I reached out to the company and they keep transferring me to a music hold machine. The company is also listed on XXXX XXXX XXXX as a fraudulent company. The company name is XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XX/XX/2016 Late Payments were reported and placed on consumer credit report. Company refuse to provide proof of payment history of any payments not made on-time.
Product: Credit reporting or other personal consumer reports

I am deeply disappointed and distressed to see unauthorized inquiries on my credit report this morning, and I am completely baffled as to why this has happened. I routinely check my report, but this time there were unexpected discrepancies. Despite refreshing my browser, the unauthorized inquiries remain. I urgently request that you thoroughly review the documents Ive submitted so I can put this issue to rest once and for all.
Product: Checking or savings account

Dear Bank of America, I can not close my account currently because you guys stole my money and overcharged me. Please close my account as I no longer will be paying the overcharged amount because it was not caused by me, but caused by your faulty system stealing millions of dollars from your other clients. I will no longer be banking with Bank of America.
Product: Debt collection

To my surprise, I noticed the CCS credit collection agency ( https : //www.ccsusa.com ) showing up in my credit reports for XXXX and XXXX. I sent certified email to CCS requesting them to validate that debt and they are not able to do so. I disputed this incorrect info with XXXX and XXXX. They didn't remove the information from its reporting. I contacted them and they said it is verified. How can credit reporting agency verify it if CCS collection itself is not able to validate that debt belongs to me? I have made every attempt to resolve this at my end but it is going no where. I am attaching the certified mail receipt and letter sent out.