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

Money was stolen from me. A judge ruled I do " NOT owe it '', het several groups are reporting men delinquent on my credit report. 

Here is some proof : XX/XX/2019 Guide to the XXXX XXXX XXXX, Student Loan Forgiveness & Debt Discharges https : //XXXX/ ====== https : XXXX ============= https : XXXX? XXXX & XXXX In addition my CPA wrote the following letter : XX/XX/19 TransUnion Corporation Consumer Disclosure Center XXXX XXXX  XXXX XXXX, PA XXXX To whom it may concern, I am a XXXX. While in SC on vacation my services were retained by XXXX XXXX regarding his credit report issued by your firm. 
On XX/XX/2019 I mailed the attached letter to your company. I mailed the letters on XXXX   behalf in order to testify under oath in a court that your company was indeed mailed a request. 
Upon receipt of XXXX XXXX credit report a letter was also mailed to Transunion ( again by me ) disputing each of the below listed negative items. To date Transunion has passed the timeframe allowed by the FCRA and Transunion IS REQUIRED BY THE FCRA to remove these negative items. 
Having received your credit report, XXXX XXXX also wrote to each of the below companies disputing negative items, and again, I mailed these in order that I might testify as an expert witness should there be aby questions about the letters mailed and the FCRA timeframe for a response. 
To date, NONE of the below companies have responded in any manner to XXXX XXXX and have thus violated the FCRA ( Fair Credit Reporting Act ). XXXX XXXX will be taking legal action against each company for THEIR failure to follow the FCRA. Should Transunion not delete the negative items XXXX disputed with TransUnion I am certain XXXX will probably also take legal action against TransUnion. 
These are the reporting agencies that may report on YOUR credit report for XXXX XXXX : 1. XXXX XXXX XXXX XXXX Some of the Account # : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, 2. XXXX XXXX - Some of the Account # : XXXX 3. XXXX  XXXX - Some of the Account # : XXXX, XXXX 4. XXXX XXXX XXXX - Some of the Account # : XXXX, XXXX, 5. XXXX XXXX XXXX XXXX - Some of the Account # : XXXX, XXXX 6. XXXX & XXXX XXXX, XXXX, XXXX, XXXX, XXXX You may respond to my letter as follows : Mr. XXXX XXXX XXXX, XXXX c/o XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Sc XXXX I STRONGLY suggest you delete any of the above referenced companies on the credit report of XXXX XXXX and provide XXXX XXXX with a copy of his annual report which does not show any of the false and negative information. These companies have been contacted by my mailing them dispute letters. I am notifying you I will testify as an expert witness in court against your firm and the fact that you broke the FCRA should XXXX XXXX hire me to do so. 

Sincerely, XXXX XXXX XXXX, XXXX
Product: Debt collection

The XXXX XXXX XXXX XXXX XXXX, VA owned by XXXX XXXX previously known as XXXX XXXX XXXX  owned by now XXXX  XXXX and XXXX XXXX ), has turned over an outstanding balance of {XXXX} to a debt collector, Hunter Warfield. They are claiming that I owe the balance of {XXXX} for a carpet cleaning fee, a move out fee, and utility charges for XXXX through XX/XX/2017. When I lived at XXXX XXXX XXXX, we paid the utilities a month in arrear. I was current on my rent and utilities at the time of my move out in XX/XX/2017. The balance that I should be paying should only reflect the utilities from XXXX through XX/XX/2017. I was advised that I would receive a bill for the remaining utilities and provided my forwarding address. I never received a bill. I was also told that there is no move out fee and I would not have to pay for a carpet cleaning fee which is also included in this balance. 

Over the course of the next year, I attempted multiple times via email, phone calls, and even visiting the office to find out what my remaining balance was so that I could resolve it. Every time I would go to the office, there was new management and staff in the office and no one was familiar with my account or able to help me and I was told that they would follow up. No one ever did. Now five years later, this balance has been turned over to a collections agency with the threat of negative credit reporting. 

The management and staff for this apartment complex was constantly changing while I lived there and changed many times after I left. Additionally, the apartment was acquired by a new property management company since XXXX and XXXX had gone bankrupt. There were a number of tenants who moved out around the same time I did due to issues like apartment construction not being finished, repairs not being done, tenants being promised varying rent discounts that were not honored every time the management or staff changed. I personally went from paying {XXXX} a month to almost {XXXX} a month with in two years. This various fees such as common area fees, parking fees, etc. There were definitely some confusing and shady dealings going on. 

I attempted a dispute through the debt collector. Their response was just an itemized list of the charges and a copy of the lease. My concerns about the utility charges being for the wrong timeframe were not addressed. 

I am fully aware that there were some lingering charges for utilities that needed to be paid after my move out. Those charges should be for XXXX through XXXX of 2017 only. All other utility charges, carpet cleaning charges, and move out fees should not be included. I would like this corrected immediately and I do not want this reported on my credit. I will be emailing a copy of this to the office management of the apartment complex, the debt collector as well, and possibly HUD.
Product: Debt collection

I did not open up an account with this company. I would like for this to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

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

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

AFNI calls repetadly for days at a time then stop for a while then start again. When I answered the lady XXXX, I asked her where she was calling from she refused to answer and responded that she heard me and didn't understand why I was asking. She was rude and disrepectful. She also stated that this was " their due diligence '' and never revealed where she was calling from. I called the number in order to find out who was calling.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I lost my phone in a bar in XXXX XXXX. My Phone was lost for about 24-48 hours. I filed a police report stating these facts and the phone was recovered and in my position on XX/XX/XXXX when I received my phone back I realized that fraudulent payments had been sent to a random person through my XXXX XXXX and Cash App applications on my phone I tried to report these fraudulent charges to each app and instead of assisting me in recovering over XXXX dollars in stolen funds they closed my account. I then disputed this charges with my bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. After a month they explained to me that they were unable to dispute because XXXX XXXX and Cash App would not allow them too. I then reached out to both companies demanding in events they had that the police report and my claims were false and did not share any documentation. I need assistant in recovering the money stolen from my account.
Product: Credit reporting or other personal consumer reports

Two seperate letters were sent to XXXX, Equifax, & XXXX by certified mail. 
Most recent date being XX/XX/year>. 
These letters I sent were requesting proof this account had been verified or deleted because I have not contracted with XXXX XXXX. I have not received proof of verification of debt by any Credit Bureau or company. 

I reached out to XXXX XXXX by phone & they would not provide me with any info to the validity of the alleged debt or chargeoff unless I paid them XXXX which is extortion. 

I would like for this account to be removed as many of the consumer rights have been violated by XXXX XXXX & all three credit bureaus.
Product: Debt collection

Optimum Outcomes continues to report fraudulently obtained accounts on my credit reports after I have formally requested and sent them my original police report for identity theft. I have disputed with the credit bureaus but Optimum continues to verify it as mine.I 'm filing a complaint on this company for deceptive business practice and code of ethics.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the new FCRA act any collections that are still reporting after 2 years need to be permanently removed. 

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

My name is written wrongfully in multiple ways. 
The wrong employer appears to be on my credit report There are multiple addresses on my file where I do not reside at. 
Incorrect cell phone information There are MANY hard inquiries on my report that I never consented to.
Product: Mortgage

XXXX/XXXX/15 -- I sent a letter to my mortgage company, PHH, requesting autodraft out of a new account. I included a voided check. 
XXXX/XXXX/15 -- letter was received ( according to PHH offshored customer service ) XXXX/XXXX/15 ( approx ) -- called PHH XXXX customer service to confirm XXXX -- letter from PHH, received by me, confirming the changeXX/XX/XXXX -- autodraft made out of WRONG account ; my bank assesses me {$35.00} NSF feeXX/XX/2015 -- I immediately call PHH customer service to alert them ; request refund of the {$35.00} ; told to write a letter and fax to them, requesting refund. Also I request a letter of apology that I can take to my bank and have placed in my fileXX/XX/2015 -- faxed letter as XXXX -- received generic customer service letter providing contact info for United States based representative, and inviting contact for further resolutionXX/XX/2015 -- called and left message with US based customer service rep ; no responseXX/XX/2015 -- emailed same US based customer service repThus far, have not received the {$35.00} refund I requested, nor have received the apology letter requested for my file at my bank. 
On XXXX/XXXX/15, I requested the offshored customer service to have some one from the US-based corporate office call me ; has n't happened yet.
Product: Mortgage

On XXXX XXXX, 2022 I closed on my home, and paid off my mortgage on XXXX XXXX, 2022 in full for the amount of {$300000.00}. 
I received an email confirmation that my loan was paid in full on XX/XX/2022 from the mortgage company, Security National Mortgage Company. 
According to Georgias Recording Office of XXXX XXXX, the Reconveyance ( Release of Lien Document ) was sent back to Security National Mortgage Company on or around the week of XX/XX/ 2022. 
I contacted the mortgage company on numerous occasions, and on my last conversation with XXXX XXXX which took place on XX/XX/ 2022, she stated to me that They can not find the Reconveyance letter that was sent by the Countys Georgia Recording Office and asked What is it that you want me to do. She stated this multiple times.
Product: Debt collection

XXXX XXXX is attempting to collect debt and have not provided signature from myself, a list of payments so called collected and exactly the information in the contract of the debt
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.
Product: Credit card

I have NEVER made a cash advance on a credit- of any kind. We received several {$10.00} cash advance charges on my and my wife 's credit cards with Capital One. 

When I called Capital One, I reported these as fraud, as I KNOW I have never taken a cash advance - ever. And all the charges came from random retailers without names - NO information and NO information from Capital One after their fraud investigation either. 

Our cards were replaced with new cards upon the fraud reporting. 
Our charges and cash advance charges were also taken off during the fraud investigation. 
Post investigation - ALL charges and fees were put back on our accounts. 

I then proceeded to call the fraud department to reject their finding, but instead, I was talked down to, and there was no discussion or explanation to be had per the following The fraud department concluded that my card chip was used and that this was my problem. Capital One tells me that a retailer can process a charge, a normal credit card payment, or a cash advance payment as they wish. How is this legal without my know ; leshor authorization??? But apparently, according to Capital One fraud department manager - XXXX # XXXX. and she kept insisting that I may have been making some kind of cash payment, - a completely ludacris statement as AGAIN, I have never made a @ Capital One - a chas advance - EVER. Then XXXX # XXXX @ Capital One proceeded to tell me that she saw that I may have taken out XXXX euros at a bank or somewhere. WHY IN THE WORLD would I take a cash advance in a bank or a store??? Why would i do that??? XXXX # XXXX @ Capital One could not produce one retailer name from all the cash advance shares on my and my wifes accounts. If Then XXXX # XXXX @ Capital One can not tell that very simple information, how could they do a fraud investigation when they dont even know who the retailer is???? Something is VERY VERY wrong here and I am taking the burden of illegal cash advance charges of {$10.00} per event. This fraud by Capital One and whatever agreement they have with these retailers that dont even have a name???? How does Capital One pay these retailers without names??? 

I have never experienced this with any other credit card. 

I have never experienced such despicable customer service and their lack of interest in understanding an obvious scenario of fraud - but unfortunately, the fraud is not only the merchant but Capital One themselves - disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA-they are required to " promptly delete all information which can not be verified '' that i have disputed. please resolve this manner as soon as possible. 

thank you
Product: Consumer Loan

My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks
Product: Mortgage

Hi, I received a letter from my local tax collector, XXXX County Commissioner of Finance, dated XX/XX/XXXX about a Delinquent Tax Bill. My mortgage servicer who is the escrow manager for this account NewRez-Shellpoint keeps on telling that as long I'm enrolled in an escrow account I can dismiss all tax bills and letters, I contacted my mortgage servicer by phone and they affirmed that they will investigate this matter, reach out to the appropriate parties and make sure there is no outstanding bill. two weeks later, after not getting any feedback on their investigation I contacted them again, and they said that they see the investigation closed so I can rest assured as if there would be any issues they would contact me. 
On XX/XX/XXXX I got another letter from the XXXX County Commissioner of Finance dated XX/XX/XXXX that the bill is still delinquent and they are going to start imposing further penalties and will start a petition for foreclosure, all on my cost... here it turns out that my tax bill wasn't paid in full, they added penalties and interest, and now they threaten to foreclose the property. 
Please have the appropriate parties liable for this mismanagement. 
Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as a consumer : XXXX XXXX DATE:XXXX AMOUNT {$3600.00} XXXX DATE : XX/XX/XXXX AMOUNT XXXX XXXX XXXX DATE XX/XX/XXXX AMOUNT {$920.00} XXXX XXXX DATE : XX/XX/XXXX AMOUNT XXXX OHIO DEPARTMENT OF HUMAN SERVICES DATE : XX/XX/XXXX {$11000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 22 unauthorized inquiries on my equifax credit report I filed a ftc report I mailed letters to equifax Ive called equifax so now Im making a complaint I have my rights as a consumer my ftc report has a list of all hard inquiries By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ),
Product: Credit reporting, credit repair services, or other personal consumer reports

This my third time submitting a complaint this company refuses to move this bankruptcy after I sent paperwork showing that the bankruptcy is not mine in has been deleted from my consumer report Im asking they reinvestigate because obviously they not taking me serious they have to be lieing if its verified Im about to take them on legal actions
Product: Credit reporting or other personal consumer reports

back in XX/XX/2023 I disputed an account that popped up on my credit file after I went to XXXX  to activate a phone number. I called XXXX to ask why were they now adding it on my credit file when it has been 3 years since I left the company and I have yet to receive any documents from them. The collection agency name is XXXX. XXXX XXXX. 

Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX XXXX Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts nor did I authorize these credit inquiries.
Product: Credit card or prepaid card

I paid for prepaid credit to establish and build a Fico score while paying bills. It was taking Discover card so long to send a card after the payment that I told them to not open the account. I was told that I have no choice but to wait for the card. I began using it last month. In that month I paid as many bills as I could continuously making payments but Discover card was too slow in updating my transactions. This caused a double payment that left my bank overdrawn. I fixed it. That same payment went through again days later to Discover and probably remade by Discover and I fixed it again then making a smaller payment and taking care of the bank fee again. Next I was locked out from my online access to view anything while other payments were being declined when I have available credit for them not to have been declined however I dont even care about that. Im still locked out from my online access and have had to take care of other bills outside of using the Discover card. I need to for my personal records and business of my own view my own transaction records to know what was purchased and when but am disallowed. At this point I am deeming them as useless wastes of my time and setbacks. Bad business. Im demanding that they close my account and they are refusing to. Its all prepaid, my own money that I want put back into the account that they take money out of in my name.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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