23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To whom it XXXX concern, 4 years ago Saturday, XX/XX/2018 my family and I literally moved across the country after signing a lease online, moved my family to this apartment complex XXXX XXXX XXXX XXXX, After driving 4 days and paying an additional {$1000.00} dollars to receive the key the apartment was absolutely horrible so we decided to go to a hotel for the night to figure out what we should do. I explained to them we could not live there and they explained they had other apartments in their portfolio so I agreed to look and found nothing to our liking. They refused to give us any of the money back we gave them and put a collection on my credit in the sum of {$4500.00} now it's in the hands of a collection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX. 
Thank you for your time in this matter, XXXX XXXX XXXX
Product: Debt collection

Multiple FDCPA Violations by Collection Agency and  lawfirm XXXX XXXX XXXX. This agency is attempting to collect charges for a fraudulent account opened with Capital One Credit. This is identity theft yet they claim this account is verified by Capital One. I dont see how that is possible since Capital One deleted the first of two fraudulent accounts opened in my name and I have submitted all my notarized affifavits and police reports, clearly stating this account is not verified because I am swearing to the fact it is fraudulent. 

Violations : XXXX sent me company letterhead yesterday which was their response to my BBB complaint on them. In the letterhead they admit to mailing my personal information related to debt collection and lawsuit to a different address on my street where I do not live. 

XXXX advertises as being lawyers uet their website clearly states they are debt collectors. 

On the pending lawsuit court paperwork filed with the district court, the official court website shows my case number and Capital One as the Plaintiff with their lawyer name underneath. Funny thing is the lawyers name is also an employee with XXXX XXXX XXXX Collection Agency and listed on their website. 

I have notified XXXX XXXX XXXX as well as Capital One via XXXX clearly that this is not my debt and supplied all my official reports. I simply wish the fraudulent account to be deleted in order to not have to seek legal assistance for the clear violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has had so many glitches since 2 months ago that does not allow me to remove this inaccurate unverifiable account from my report. I'm in the process on getting a home loan, and this is not helping me at all, verify the accuracy of this account if not remove it. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems to be a account in my name that some one used my social to get accounts and inquiries under my info. From speaking with the companies it look like oh t all took place in XXXX somewhere. I have reached out to both companies and were informed to do this and also a police report which is also done. Can someone please help me get these removed asap. Thanks XXXX open XXXX, 2018 amount owed {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you of several errors on my credit report issued by TransUnion, which I brought to their attention on XX/XX/XXXX. As of today, TransUnion has not yet responded to my inquiry. I am requesting that you investigate and correct these errors as soon as possible. 

The following account was never late : XXXX XXXX ( Account # XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160000.00} ). Please correct/update this inaccurate information on my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$77000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$6000.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$610.00} ). Please remove it from my credit report. 

The following account is not mine : XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$2500.00} ). Please remove it from my credit report.
Product: Credit card

Have been Amex customer for 19 years, all on the same card. The card has been my primary card. 

Was 1 day late in making a payment last month. Amex charged me late fee of {$29.00} and interest ( which I understand ), but also cancelled XXXX XXXX points that I earned that month. When I called to ask about points, they told that they charge {$35.00} for reinstatement of the points. 

This may have been disclosed somewhere in fine print, but in reality this makes a late fee to be $ XXXX = {$64.00}, which has not been disclosed AND has not been transparent to me. As a result, I see this as an Unfair and Deceptive practice under UDAAP, and I would like to draw CFPB attention to these practices as a potential UDAAP violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i HAVE BEEN REQUESTING THAT THE BUREAUS REMOVE NEGATIVE ITEMS THAT AREN'T REPORTING CORRECTLY SINCE XX/XX/XXXX i AM LISTING THE ISSUES BELOW XXXX XXXX - REPORTS THAT THE CREDIT LINE IS SUSPENDED ON TRANSUNION AND XXXX. XXXX REPORTS THAT I WAS LATE. i HAVE PAID ON TIME AND THEY WON'T SEND ME PAPERWORK PROVING OTHERWISE. TRANSUNION HAS XXXX MARKED LATE IN XXXX OF XXXX AND SO DOES XXXX. EACH BUREAU HAS A DIFFERENT DATE LAST ACTIVE. XXXX MARKED ME LATE XXXX OF XXXX AND THEY MARK THE DATE LAST ACTIVE AS XX/XX/XXXX. THIS SHOULD NOT BE ON MY REPORT. ANOTHER XXXX XXXX XXXX - XXXX MARKS ME LATE " 2 OR 3 TIMES '' WHICH IS AMBIGUOUS AND NOT ALLOWED TO BE REPORTED THAT WAY. THEY REFUSE TO INVESTIGATE OR CORRECT IT. tRANSUNION HAS NEVER INVESTIGATED THIS ITEM. XXXX HAS NEVER INVESTIGATED THIS ITEM. XXXX REPORTS THIS WITH CURRENT AND POSITIVE PAYMENTS AND IT'S CLOSED. THEY REPORT THE DATE LAST ACTIVE AS XX/XX/XXXX. XXXX XXXX XXXX HAS THE DATE LAST ACTIVE LISTED AS XX/XX/XXXX, XXXX XXXX XX/XX/XXXX AND XXXX REPORTS POSITIVE AND CURRENT PAYMENTS AND IT'S A CLOSE ACCOUNT. THIS IS INACCURATE AND SHOULD NOT BE ON MY REPORT. THE BUREAUS ARE REFUSING TO CORRECT AND REMOVE THIS INACCURATE INFORMATION.
Product: Debt collection

Ars collection posted fraudulent information in my credit report. They reaged a debt. They reinserted a debt into my credit report without sending a 5 day notice. Also they are reporting the debt as a new collection XX/XX/XXXX but the debt is from XX/XX/XXXX so they reported fraudulently to keep it in my credit report longer than law allows
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  IS REPORTING INFORMATION ON MY CREDIT REPORT THAT DOES NOT BELONG TO MY THERE HAVE DECIDED TO Per your request, the account will be marked Cease and Desist following this response.
Product: Mortgage

Please See Attached Letter to Carrington Mortgage Services ( CMS ) and attachments. Basically, CMS offered me a permanent Loan Modification. However, there were several issues in the CMS Trial Period Plan ( TPP ) that are unfair, on its face. CMS incorrectly over stated my income. CMS valuation on the property value of my home is too high. The CMS Trial Period Plan highly favors CMSs position while giving little power to me, as homeowner. Importantly, CMS does not reveal any of the Loan Modification 's contract terms before payment of the TPP is completed ( I don't know what I'm getting into ahead of time ) .How can I make an informed decision here?
Product: Mortgage

To whom it may concern, Through the dates of XXXX and XXXX of XXXX we decided to sell our home in XXXX which we had previously bought through the same lender/broker, cherry creek mortgage ( XXXX XXXX ) also using same realtor ( XXXX XXXX ). 
We bought our house in XXXX for the first time using FHA Loan back in XXXX due to a forclosure back in XXXX. 
In XXXX we decided to sell that house bought in XXXX and buy a bigger one. 
We decided to go with the same company, cherry creek mortgage, due to them knowing our history and everything worked out well the first time. 
We sold our home and got " approved '' by our broker, Cherry creek mortgage and found a new home we wanted to move forward with. 
Paperwork was signed, inspections were done, fees where payed.

Then, 1 week before closing, Cherry Creek mortgage said that the deal was not able to happen since there was a forclosure from 7 years ago. 
Therefor we didnt qualify for the conventional Loan we had previously been " approved '' for. 
We had sold our house with them already and were waiting to close on the new one so we could leave the house to the new owner.

Then one week before closing XXXX told us that we couldn't buy the house we had already signed paperwork for and done inspections on because of the forclosure which they should've had known from before since we worked with them before and they knew our situation. 
We had to find a house to live in within a week ended up paying over {$20000.00} in rent and renting a home when we aimed to be owners not renters. All that money could've gone to our new home as the monthly mortgage payment. 
We ended losing money and time on a situation that could've been anticipated since we had previously worked with them and they had the information needed as well. 

XXXX XXXX from Cherry Creek mortgage made is lose our home and money. All of it could've been avoided. I do not even understand how we got to the end of the process if that was an issue from the beginning. It all seemed very confusing and not transparent at all.
Product: Debt collection

I Had an owed debt with XXXX which was sent to collections to Enhanced Recovery Company. I spoke with them and they offered me a settlement which I took and paid. All of this time it was not on my credit report at all whatsoever. After it was paid which they see on their system It was than reported to all three credit bureaus as a collection also as unpaid although it is paid. They are reporting false information on my report, I lost 43 points because of them.
Product: Debt collection

On XX/XX/XXXX2016 I was alerted on my XXXX XXXX account that Credit control corporations had opened a collection account on my credit profile dated XXXX XXXX, 2016. I have received no correspondense on this account totalling {$210.00} on XXXX and {$250.00} on the other. Credit control corporations has not provided:1.Agreement with the creditor that authorizes you to collect on this alleged debt 2.The agreement bearing my signature stating that I have agreed to assume the debt 3.Valid copies of the debt agreement stating the amount of the debt and interest charges 4.Proof that the Statute of Limitations has not expired 5.Complete payment history on this account along with an accounting of all additional charges being assessed 6.Show me that you are licensed to collect in my state ; and 7.Your license numbers and Registered Agent
Product: Debt collection

I have spoken to Financial Recovery Services several times and was told the debt was discharged and they are no longer collecting on the debt. I called the original creditor and was told I had to speak to Financial Recovery Services. I was told time and time again that the negative remark and balance would be removed from my account as they would not accept a payment. This negative remark has not been removed. I've been told for months it would take one additional month and still nothing.

Since Financial Recovery Services will NOT accept payment as it is discharged, please remove the negative mark on my credit report.
Product: Debt collection

I received a mailing XX/XX/XXXX from Convergent Outsourcing Inc.stating that I owed, XXXX  for Original Creditor XXXX Calling Card Classic. And if paid within 60 days, I only have to pay XXXX. I called and spoke with, XXXX XXXX, XXXX XXXX, and XXXX XXXX, All of which had numerous guesses as to what this was actually regarding but wanted to know all of my financial information and social security number right away. Finally, XXXX XXXX 'guessed ' that this was an old credit card debt from XXXX? I don't nor have I ever had an open credit card, that isn't current and up to date from XXXX. He then said 'oops ' and responded that he will just put in his 'fraud file '. I have never had any accounts associated with calling cards, XXXX classic or credit cards that were delinquent.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXXXXXX XXXX ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Accounts Name : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, Maryland XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
# XXXX, Account name : XXXX & XXXX Original creditor : XXXX XXXX XXXXXXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 information is inaccurate.
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.

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 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.
Product: Credit reporting or other personal consumer reports

i provided copies of my XXXX XXXX XXXX and social security card. Experian failed to correct and delete the INCORRECT information.
Product: Vehicle loan or lease

on XX/XX/2019 i went to bought a used car from XXXX XXXX  XXXX. 
My loan agreement said due date on XX/XX/2019 and I was making a payment for XXXX month was pass and nothing and on XX/XX/2019 i made again ... nothing till XX/XX/2019 they told my the money was return. i gave them the reason because my phone lost on XX/XX/2019 and i was stop any payment that was pending on bank account and i don't have a phone after that on Saturday morning XX/XX/2019 the bank was sent repo company come to get my car the problem is .... i wasn't late but i have a problem with my phone somebody took it and what they gon na do with my phone who know i have to stopped right away ... and I have a police report to proof that too. 

I try to ask what I'm gon na do they told me i pass 3months payment ... I'm feeling like what my 1st due date was on XX/XX/2019 and only 2month and 16days right and I still have time on the agreement said 3 month Calendar so they got me wrong since 1st due date and I was complaint last week and the answer u can see in the file. I agree to pay XXXX to get my account and car back and I need them to send me a detail what are myXXXX go for .... the detail but nothing back to me but keep asking me for the payment that I have to pay ... i understand i have to pay but where is the detail of XXXX that i paid for get the car back and I asking for change due date the answer is NO. What are my choice? and How they count the due date. 
and now my car was repo 2nd time they said i was behind payment 37days but  I'm not ... l asking for detail and please explain to them they got the wrong due date and wrong repo ... My property in the car when they repo at XXXX and I was sleeping.. 
I have to paid for get my stuff back but not all my stuff that i got back. 

I called the bank asking for stuff that i didn't get. 1st call they told me if not all my stuff calling them back. 2nd i call to told them that i'm not get all my stuff .. they told me to called the repo company ask them ... This is what my experience with GRANDVIEW FINANCIAL SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

blatant and objectionable disregard of the law. 
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.

Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
Product: Credit card or prepaid card

i contacted my citi home depot credit card on or about XX/XX/2018 to tell them my bill i mailed them never got there so i had to cancel the check since it was stolen out of the collection box in front of the post office along with my vehicle registration to the DMV. I informed them i would make my minimum monthly payment at the Home Depot store either in XXXX, CA. or another one. and the next day i did!! yet on XX/XX/2018 I got 3 phone calls from them XXXX on Sunday XX/XX/2018 at XXXX XXXX XXXX, and XXXX. then the next morning, Monday XX/XX/XXXX they had the nerve to call me at XXXX XXXX in the morning, i answered this call and asked them why they were harassing me for {$58.00} after i called them two weeks ago and told them i had mail stolen. the rude jerk said we are required to contact you ... .er i mean we are authorized to call you when you account is delinquent. i asked him how longs my account been delinquent for? he said your 3 weeks late were allowed to call you after 3 weeks, or some XXXX like this. I asked him how am i late when i made a paymen on or about XX/XX/2018? and how many times have i been late in the past 15 years ive owned this credit card, he said he didn't have this information in front of him, but my XXXX bill is past due. so I asked him " Then why the XXXX are you calling my house 3 times yesterday, and then asked him why the XXXX hes calling me at XXXX in the morning when i just made a payment? he didn't have an answer, and started to make more excuses, so i interrupted him and asked him how much credit i was in debt for since i just called them a few weeks ago?? he said your account has an outstanding balance so were authorized to call you. I asked him so i owe you {$800.00} and you harrass me after 3 XXXX weeks after 15 years of NEVER being late, and calling you and making a payment? then i just hung up.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address ongoing concerns regarding the negative entries listed on my credit report, which have not been appropriately verified or resolved despite previous communications with your department.
Product: Credit reporting or other personal consumer reports

Im really disappoint in how Ive been treated on XXXX XXXX XXXX/experian end throughout this process and this is affecting me and my familys life drastically I reached out on XX/XX/2024 CFPB complaint ID XXXX regarding a original contract for this debt signed by all parties and still havent received it you stated you put the account on hold until it is verified and it is still showing on my credit profile this is in clear violation under The Fair Credit Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ) According to 15 USC 1681 ( 5 ) it states this ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) 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 i ) promptly notify the furnisher of that information that the information has been modified ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 
and XXXX XXXX XXXX has done nothing righteous this is unfair and if they are doing this to me imagine who else they are doing this too.Can you please fix it.