23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Dear Sir, I am a tenant at XXXX XXXX XXXX, XXXX   XXXX, XXXX, Minnesota XXXX. 

I paid my rent each month {$950.00} plus late payment fee.. 

Under Minnesota law, I am entitled to a receipt for each rental payment. I was not given any receipts and so with the deposit I made when I signed the lease. 

Universal Citation : CA Civ Pro Code 2075 ( 2016 ) Whoever pays money, or delivers an instrument or property, is entitled to a receipt therefore from the person to whom the payment or delivery is made, and may demand a proper signature to such receipt as a condition of the payment or delivery. 

I also need my rental receipt for my tax for this year. 

Further, I asked a proper signature to such receipt as a condition of the payment. As such, I request that they provide me with a signed receipt. 

As I am applying for Senior Housing in XXXX XXXX, Minnesota, I was denied housing because of the Eviction they filed and was reported in my credit and personal file. This cause me great emotional distress. 

Tenant screening reports has been provided to me by the XXXX XXXX  XXXX XXXX, Minnesota. 

I ask for your assistance to provide to me a written notice that there was never an eviction that took place, no SHERIFF OR WARRANT FOR EVICTION HAS TAKEN PLACE and the lease/contract has been fully paid in full. 

XXXX XXXX XXXX XXXXXXXX reported an eviction and I gets turned down for a rental application, and I believe I have been damaged and this is a serious offense. And I want REMEDY for every cause there is an effect. 

Accordingly the company misreported an eviction as I am not evicted and we did not breach the lease. There was no WARRANT FOR US FROM THE COURT AND NEVER RECEIVED ANY NOTICE FROM THE SHERIFF TO REMOVE US FROM OUR APARTMENT. I HAVE BEEN HARMED, DAMAGE AND CAUSE EMOTIONAL DISTRESS AND I WANT REMEDY.. 

Please help me get documentation that the contract and the lease has been paid in full and there is no outstanding obligation on my part from the Apartment Manager and that XXXX  XXXX XXXX must invalidate and delete the file in my public records. 

The tenant screening companies are also subject to similar reporting rules under the Fair Credit Reporting Act. 

Anyone who falsely reported and damage my person, I will pursue legal action against the company for incorrectly reporting negative information that can affect loans and rental applications against my legal entity, XXXX XXXX XXXX, DBA. 

A copy of the Court Judgement is hereby attached and the checks constitute delivery of the final judgement in court. There was no eviction and there was no warrant from the court and the sheriff. 


As such, I request that you provide me with a signed receipt upon receiving my letter. And I want a receipts of all the payment I made and with proper signature today. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint To Remove Inaccurate Credit Information To Whom It May Concern : I Received a copy of my Credit Report and found the Following Item ( s ) to be in Error. 

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within XXXX days of reciept of this complaint. 

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past XXXX months. 


I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Product: Checking or savings account

Hello- an ACH double posted on my BMO Harris account of XXXX, my balance at the time was XXXX. But because it double posted my balance went negative. I was then charged an NSF fee of XXXX from BMO, they will not reverse the full fee and are advising me that I need to bring my balance to XXXX before I can close the account. And I will also incur a XXXX early account closure fee. I recently signed up with BMO under a promotion to test drive them and switch over. Below is a transcript of my chat with them XXXX : Hi, my name is XXXX. How may I help you? 
XXXX XXXX : Hi XXXX XXXX XXXX : I recently had an ACH debit my account twice for the same amount XXXX XXXX : and because of this I incurred a NSF fee of XXXX XXXX XXXX : I am wondering if this is reversible. I do not know why the ACH was taken out of my account twice ... 
XXXX : I am sorry to hear about the issue with the duplicate charge. I can review this for you today. What is your name and e-mail address please? 
XXXX XXXX : XXXX XXXX and XXXXXXXXXXXX XXXX XXXX : thanks! 
XXXX : Thank you XXXX. One moment please. 
XXXX : Thank you for your patience. I have reviewed the account. I am showing the transaction that overdrew the account was a Web payment set up directly through XXXX XXXX. Since this was not a transaction set up through the BMO Harris online banking it is not a bank error. With it being a first time occurrence on the account, I would be happy to split the insufficient funds fee and refund {$17.00} back on the account. The second transaction was returned on XXXX-17. What I wo n't know by looking at this transaction is if XXXX will resubmit that item for payment on the account. I would advise that you contact XXXX to find out if that second ACH will be resubmitted or not. Would you like for me to go over with you some options for Overdraft Protection? 
XXXX XXXX : No, I do n't think overdraft protection is necessary. I XXXX XXXX : I 'm not sure I would really need the account open then if I am left with an overdraft of XXXX, does n't see worth it to me. I opened it up under a promotion and was going to test drive the account before we switched over ... 
XXXX : If you decide down the road you would like to know more about our overdraft programs, please let us know as we are here to help. I have credited that portion back on the account and my confirmation number for that today is XXXX. I would advise that you make the account positive by the close of business Monday as the account can also be charged a {$5.00} consecutive day overdraft fee if the account sits in an overdrawn balance for more than 3 consecutive business days. 
XXXX XXXX : oh if that 's the case lets just go ahead and close the account. thanks XXXX : Once the account is brought back to a positive balance you can reach out to us to close the account but I would n't be able to close the account until then. Plus, there can be a fee of {$50.00} charged to the account for closing within the first 90 days of account opening.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed two hard inquires from a unknown source and I didnt authorize them. All three are from XXXX XXXX XXXX Hard inquires are effecting my chances at obtaining new credit. The dates of these hard inquries are XX/XX/XXXX, XX/XX/XXXX.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, Account name : XXXX  XXXX, has violated my rights. 

XXXX5 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 item 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 cause to believe that the informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit card or prepaid card

I was charged a cash advance fee on XX/XX/2020 in the amount of {$65.00}. I had a chat session with XXXX at Citi Bank and I asked for an explanation of the charges since I never obtained a cash advance. I asked for a refund and I was turned down. She explained the charges were due to using XXXX transferring money on XX/XX/2020. I told her that I did not know that was considered a cash advance and I demanded a refund but she would not give it to me. 
When I used XXXX, I did not know that the transaction would be considered a cash advance. If I knew that, I would have not done it. I explained that to XXXX and she threw the book at me. 
XXXX, nor Citi card informed me this would be considered a cash advance, therefore, I would like to file a complaint against both companies and I would like Citi to give me a refund in the amount of {$65.00}.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report with reference # XXXX for you, and the bank 's records ( learned through more research both parties require ). Please remove these items. If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
EXPERIAN : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, TransUnion and & XXXX  have refused too removed several fraudulent items still displaying on my credit report. I have filed a police report as well as a complaint with the FTC.

My initial dispute started XX/XX/2020 and my most recent is early XX/XX/XXXX. The total debt amount is less than {$8000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I tried challenging some inaccuracies that has been reported on all three of my reports. Experian, XXXX and XXXX hasnt removed any inaccuracies from my report even when proof was provided on my end. 

For instance, I have a bankruptcy being reported. Ive reached out via mail several times to the court that has reported the public record asking them to verify theyve mailed me back correspondence adding they were unable to verify the bankruptcy. Ive mailed a copy to each bureau and nothing has changed.
Product: Credit reporting or other personal consumer reports

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

I contact these companies to ask why my credit was ran and that my identity was compromised and that i have a ID SECURITY ALERT on my ssn .... and ask them to remove them ... .see below... and no one responded at all XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the collection status on my XXXX XXXX XXXX account, which has been incorrectly reported as " Collection/Chargeoff '' despite the fact that the balance has been paid. 

On XX/XX/year>, I made a payment to the XXXX XXXX XXXX XXXX via my tax refund, and additional payments were made from my XXXX. I have supporting documentation from the IRS confirming the payment was processed through my tax refund. The payments were made in full, yet the account has been inaccurately marked as delinquent and sent to collection. 

I am requesting that the XXXX credit bureaus ( TransUnion, Experian, and Equifax ) update the account status to reflect the accurate informationpaid in fulland remove the collection status from my credit report. The account number for reference is XXXX. 

I have also contacted the companies directly regarding this issue but have not yet received a satisfactory resolution. 

I am requesting immediate removal of this erroneous information from my credit report as it does not reflect my actual payment history, and it is negatively impacting my credit score.
Product: Debt collection

Voicemail stating I owe money or would be sued if I didnt call to pay. Called back and had all my information and that I owed XXXX for court fees on top of my debt from Bank of America that I open in XXXX and went to collections in XXXX ( incorrect information ) and got aggressive when I refused to believe. There was a female who acted like a 3rd party company called XXXX  that transfer calls for the legal department and transferred my call to a guy name XXXX when hung up on me the first time and then would send me to his voicemail the next 2 times I tried to call with no call back. 2 phone numbers one was from a local town close to where I was raised XXXX that was the female number who would transfer me to a XXXX to a XXXX. It is a really good scam and needs stopped
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an forthright answer from Mr. Cooper about Loan no. XXXX AND AFTER PROVIDING ME THE LETTER DATED XX/XX/2021. That upon my call on or around last XXXX to Mr. Cooper and 3-4 calls were told that the SSN and Identifiers information is my loan. Then were told to fax information and then were told " we have no information in the system on this loan '' Then around XXXX pm called back and spoke to XXXX and given him my loan number then he confirmed by saying LET ME LOOK AT YOUR ACCOUNT. 

I held on 1 full hour without XXXX ever coming back on to the line. The I checked my email and at XXXX XX/XX/2021 I received an email from XXXX XXXX XXXX Mr. Cooper and he said the exact, below, XXXX AND XXXX, Hi XXXX, This document explains that prop was purchased in name of another through XXXX XXXX. I would call wells fargo as we no longer have anything to do with this loan. 

Thanks Please Request details of all this conducted in my name by XXXX XXXX.
Product: Money transfer, virtual currency, or money service

XXXXI went to purchase2 items from XXXX XXXX XXXX one in the amount of {$29.00}, and the other in the amount of {$88.00}. After receiving the items neither item was in working condition. I reached out to XXXX XXXX XXXX via text message and requested my funds back, which XXXX XXXX ignored my messages. I reported this issue to Square, Cash App, which is where the transactions were made threw and they informed me there was nothing they would or could do.
Product: Mortgage

The beginning of XX/XX/XXXX, I noticed that my mortgage payments were higher than they should be ( {$500.00} more ). Upon investigation, I realized that Freedom Mortgage created an escrow account and was taking out approximately {$500.00} per month to supposedly pay my homeowners insurance and property taxes, which I directly pay to the institutions. I wrote to Freedom Mortgage on XX/XX/XXXX requesting that they immediately remove escrow from my account and refund the total amount I had been billed for escrow since XX/XX/XXXX. I have never authorized or needed escrow because I have always, from the inception of my mortgage, paid homeowners insurance and property taxes directly to those institutions. 

I have received a written response dated XX/XX/XXXX which stated that my request was denied due to not meeting the XXXX criteria. I reviewed each criteria and have always and currently meet each one.
Product: Debt collection

On XX/XX/XXXX select portfolio servicing collected {$250000.00} from my proceeds of which they were not entitled. It is now Friday and although it was escalated I have not received my funds. The money was wired to them in one day Monday will be FIVE days theyve had MY money.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : 1. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate orincomplete. I am requesting that the item be investigatedto correct the information XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am an elderly woman and believe someone has taken advantage of my information and open accounts in my name that are not mine. The following accounts are listed : CAPITAL ONE # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX/XXXX  # XXXX, XXXX  # XXXX. I am a victim of identity theft and all these accounts are fraud.
Product: Prepaid card

My problem is that American Express did not openly acknowledge that they changed their security features to drastically limit the gift cards usability at online stores this year. We purchased XXXX of dollars  in gift cards only to find out they have limited functionality and cant be used at a majority of online retailers. 

They should have been upfront with these security changes, but sold the cards to us with no warning of these limitations. We would have never purchased them had we known this. 

Weve purchased many Amex cards in the past without any problems in previous years. Transactions for these valid cards are being declined - yet with each attempt, Amex is happily taking XXXX per attempted transaction, even though the purchase is being declined. 

Their answer was simply to state that they are protecting my funds.
Product: Credit reporting or other personal consumer reports

I found out that my identity was stolen and my accounts were used in fraudulent activities online. I immediately reported this to the company and bureaus. I even called and requested for XXXX today to kindly delete and close the account that got compromised but they insist on keeping it on record for 7 years. Not to mention that I was sick and almost died on XX/XX/XXXX and they added a late payment on that same account. I told them about the situation and the bureaus but they still refuse to help me to this date. I have been going back and forth since the beginning of XXXX. That is very unfair. I request for this account to be closed and deleted from my credit reports. I am willing to pay the dues if I have to, but please delete this asap. I expect nothing more from XXXX because I now know how inconsiderate they can be, so yes, if they want my money, just take it, but delete this account from my credit reports. 

Here 's the fraud account info : XXXX XXXX - XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in email and correspondence via mail to have the inquiry removed. As its identity theft XXXX
Product: Credit reporting or other personal consumer reports

YOUR COMPANY IS REPORTING INACCURATE AND UNVERIFIED INFORMATION ON MY CONSUMER REPORT. THESE ITEMS ARE A VIOLATION OF THE FCRA BECAUSE THEY ARE INACCURATE AND UNVERIFIED. YOU ARE REQUESTED TO DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT IMMEDIATELY BECAUSE THE INACCURATE INFORMATION IS STILL REPORTING ON MY CONSUMER REPORT. DELETE : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX