23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My prior apartment charged me for cleaning/damages for {$910.00} beyond my security deposit which they retained. I had paid {$350.00} for a cleaner to clean the apartment ( through the leasing office ) thoroughly, but they sent me pictures of a dirty apartment before the cleaners even arrived. I disputed this charge, so they sent the bill to a debt collector. After calling me every day asking for immediate payment, I asked the debt collector on XX/XX/year>, for detailed information regarding the debt that I believed to be illegitimate. They did not respond until today, XX/XX/year>, after I filed a complaint with XXXX after the collection showed up on my credit report. They did not tell me I could dispute this debt, so I wasn't aware until XXXX recommended it after the collection appeared on my credit report. The debt collector also charges interest on this debt of {$22.00} even though no interest was originally charged on this cleaning fee. The debt collector has also offered 20 % off the loan if I pay within " the next 30 days '' which led me to think this may even be a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate reporting of late payments by XXXX XXXX XXXX on my credit report. The false reporting of late payments has resulted in a negative impact on my credit score, which is affecting my ability to obtain credit or other financial services.
Product: Credit reporting

I started the process to try and have things removed from my credit report, I called and spoke to customer service at XXXX XXXX about the lates on this account. I was unaware of this many lates for this account. They said that I was only late 1 time. But on my credit report it shows 7.
Product: Mortgage

XXXX purchased my mortgage from the originating Bank in XXXX. In XXXX I filed a chapter XXXX and XXXX either sent the reaffirmation paper work and did not handle it properly OR they did not. ( XXXX had a second and it was reaffirmed and paid off ) Since that time XXXX has NOT reported my continuing loan payments to the credit bureaus causing me to be unable to get a favorable review as I have searched for a mortgage refi ( or any loan for that matter ). Recently I took advantage of the government mandated Forbearance program, during which time I paid my escrow amount each month. The program ended for me and I began paying the mortgage payment ( reduced by {$20.00} ) in XXXX. I now have seen a email account update where XXXX has not added time to the loan, but moved the unpaid interest and principle to the " balance line ''. I have asked for a refi with today 's fantastic interest rates and the answer is NO. NO OTHER mortgage lender is willing to take me on as a customer. I am hoping to negotiate a new loan with WF at today 's rates, but that does not seem to be an option for them. Please advise as to what might be options to move forward with this situation. Thanks, XXXX
Product: Debt collection

I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements/documents on how this alleged debt was calculated. There is no need to state the law as I 'm sure you 're aware of both our rights under the FDCPA and FCRA. I await a prompt resolution to this matter. Also consider this my formal request for validation considering this is our first time communicating.
Product: Checking or savings account

On Wednesday, XX/XX/XXXX I checked my account and my balance was about {$900.00}. It didn't showed my direct deposit pending so I thought this was my balance before my direct deposit. I made a BoA credit card payment on XX/XX/XXXX of {$900.00} to be paid on XX/XX/XXXX. On XX/XX/XXXX my account went in overdraft. Bank of America charged me XXXX transactions with overdraft fees of {$35.00} each for a total of {$210.00}. Between this time Bank of America didn't send me an alert by email or text that my account had insufficient funds. Have I known, I would have deposit the money before XXXX and I woulnd't be charged {$210.00} in overdrafts fees. I went to Bank of America online and diging throughout the website ( take in consideration that they made the website more difficult to navigate ) I found that my email was " underivable '' but I still had my cellphone number and I never received a text either. When I called Bank of America on XX/XX/XXXX, I spoke with XXXX and I explained that in the mobile app doesn't show that there is something wrong with the email. I explained everything I'm saying in here, her response was that I'm still responsible for the fees and the the email alerts are a courtesy from the bank and I shouldn't relay on the alerts. Really? Very convenient for BoA. The problems is that Bank of America App doesn't show the same that online banking. How am I supposed to know something is wrong when I'm doing my do diligence?. I believe this is what happened : 1 ) Bank of America App showed my balance wrong, the direct deposit entered my acount but it showed the balance and not the transaction pending. I did the payment relying on this balance to be true. 2 ) There is something wrong with Bank of America App, showing no issues with alerts nor email. 3 ) Online banking shows my email is " underivable '' but the email is correct, so there's some technicals issues at the back end that needs to be resolve, meanwhile hundreds of clients are getting ripped. How am I supposed to solve an issue that I'm not aware of? 4 ) There is not a standarized procedure for communication. How is it possible that I received email for some things like Bill Pay and text for Credit Card deals, but at the same time for alerts with my same email is " underivable '' and no text received. If email doesn't work, then text should. No, it didn't happened either way. 

I have been a client of Bank of America for almost 15 years. I don't overdraft. I take evry single precautions for this but I can't do my job if Bank of America doesn't do theirs. Have I known my account was low, I wouldn't make those payments. Have I known that there is something wrong with my email, I would have try to fix it but I can't fix Bank of America back end issues. Is very convenient for Bank of America to have these issues meanwhile they are ripping clients with overdrafts fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed bankruptcy case number XXXX with XXXX report. I filed CFPB report stating that the bankruptcy was inaccurately being reported on my XXXX report, XXXX  and Experian. XXXX  and Experian responded the information was correct. I am attaching letters from XXXX with no record of me and from the Bankruptcy court as well again unable to verify that information. If they XXXX has no record of me and the bankruptcy court can not confirm how can they report me?
Product: Credit reporting or other personal consumer reports

I previously disputed reports of accounts with TransUnion, which they claimed to have verified on XX/XX/year>. However, I believe that the verification process was not conducted properly. My dispute was not thoroughly investigated, as required by law. 

Actions taken by me : 1. I filed a dispute on XX/XX/year> with TransUnion regarding 9 accounts to be late payments as reporting on my credit file. I believe this is a clerical error on either TransUnion end or the creditors end. I was expecting a proper investigation and demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating TransUnion immediate actions to rectify the said XXXX accounts. 


Actions taken by TransUnion : XXXX. XXXX responded that the accounts were verified but did not provide adequate details or demonstrate proper review.
Product: Debt collection

This debt that ( I don '' t recognize ) has been reporting on my credit report. on XX/XX/2019 I drew up a request for validation form along with a returned receipt and certified it. 

a little over two weeks later ARS sent back a letter stating ' this is an attempt to collect a debt ' with just an account number and that I allegedly owe {$200.00} to XXXX XXXX XXXX  XXXX. 

ARS failed to send me proper documents stating that I owe this alleged debt. 

still to this day they are still reporting this on my credit report and its hurting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items reflecting on my credit report. It is now well over 60 days later, I still have yet to receive a response. I feel like I've been taken full advantage of and ignored of my disputes requests. Section 611 ( a ) states, failure to investigate these items within 30 days gives sufficient reasoning to immediately remove stated items from my credit report. It has been over 60 days so stated inaccurate items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress that has been caused. Also my information was impacted by the XXXX Data Breach and may very well be in the hands of criminals.
Product: Debt collection

I had auto insurance through XXXX XXXX and canceled XXXX years ago, and now this credit collections company says I owe them money and are trying to collect. I do not owe this company money and would like them to stop sending me letters and calling!!
Product: Vehicle loan or lease

veros credit company has a debt with my name on the loan but i never did business with them i also try many time to resloved the matter. there two thing concern mw with this contract i didnt have any knowledge of that veros credit was sign after i sign my name with the creditor thats listed before verson sign after we made a deal the original owner sold the debt veros collected on a debt they did not own also i had no agreement with veros i was a co signer but verson was never listed in the contract they harressment on the debt going as far reporting it on my credit causing hardship i did a cfpb report for asstiance to help with the issue was not sucessful they still reporting as if we did bussiness but it was actual ez auto who i did business with they fraud documents with everyone knowledge knowing the cfpb knows the fora laws was not enforced to protect the consumer it clearly showed that the contract was with ez auto and now veros credit. 

my right was voilated. 15 usc 1681 n 15 usc XXXX XXXXXXXX veros credit fraud the contract thye have 15 days to provide the wet ink signture u had with veros this debt is paid but default and i demand a full refund of the amount they took without proper documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, 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
Product: Debt collection

This is a scam company. No way is this my debt and you never gave me a chance to dispute this debt! This is bogus
Product: Checking or savings account

{$2500.00} check was cashed at chase bank mobile deposit on XX/XX/XXXX. 

On the morning of XX/XX/XXXX my account was at {$420.00}. The check was put on hold d/t fraud detection, and the money was not received and put on hold. However, the full {$2500.00} was taken out of my account by chase bank, reducing my balance to XXXX. 

Calling customer service, I was able to talk to a supervisor, who explained the check was put on hold due to potential fraud. They further said they contacted the check issuers bank and were told it was a bad check. ( The check issuer is a family member ). 

Calling the family members bank ( XXXX XXXX XXXXXXXX ) yielded the following : - they were never contacted by chase bank- they had no reason to suspect fraud - the check was valid, and in fact the money had been withdrawn from the XXXX XXXX XXXXXXXX account. 

Chase refused to refund my account the {$2500.00} they fraudulently charged me, and told me my account was locked and being closed. They also said they would not refund the money until XX/XX/XXXX. 

My account is now in the negatives and I cant pay rent by its due date. Chase refuses to do anything, Ive talked to management and they wouldnt do a grunt further.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant XXXX and XXXX  I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit card or prepaid card

I use to have a Bank of America bank account until I closed the account due to fraudulent activities as cashing checks that I never wrote, now years later I receive a credit card that I thought I may have applied for I couldn't recall, come to find out it was fraudulently applied for and now Bank of America is saying that my social security is connected to a deceased person. Well I am not deceased I am alive and well and wanting Bank of America to be held accountable for the constant mishandling of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, XXXX the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Product: Credit reporting or other personal consumer reports

I have four unauthorized inquiries on my TransUnion credit report that do not belong to me, and I demand it removed XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Great Mercantile Agency has initiated a negative credit collection on all credit agencies but i have no knowledge of any debt owed to them or any other entity as i have paid any and all debts. Therefore, this is either fraudulent or a grievous mistake by Great Mercantile Agency. This claim must be removed from all credit reporting agencies please as it is groundless. Thank you.
Product: Debt collection

i tried contacting this company zillions of times and left voice messages never recieved a call back there trying to collect on a debt and ruin my credit i never opened with them and i sent them the police report multiple times throguh XXXX and XXXX they keep verifying this account, i never lived in ohio or been there where this account was opened i have a cousin same name who used my name and there conspiring with him
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXX XXXX  Account Name : XXXX Account Name : XXXX XXXX  Account Number : XXXX INQUIRIES : XXXX XXXX  - XX/XX/year> :
Product: Debt collection

Every single day I am spammed with at least 15 phone calls a day from this number including unknown callers. It is non stop and its all over a {$300.00} balance. Please stop it. I work sales and can't have my phone going off every 30 minutes.
Product: Debt collection

In review of my XXXX credit report on XX/XX/, I noticed a " collection '' account being reported by a company by the name of ARS Account Resolution. 

I do not know who this company is and why they have placed a collection on my credit file. 

I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 
* Contract : provide me with a contract agreement between ARS ACCOUNT RESOLUTION and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. 
* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 
* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).
Product: Mortgage

I applied for a loan modification on XXXX/XXXX/XXXX. It was denied on XXXX/XXXX/XXXX because OneWest said that there was no material change in circumstances, which is not true. Previously I had applied for a loan modification with OneWest. The last time was on XXXX/XXXX/XXXX. At that time my income was {$5800.00}. Now my income is {$4800.00} which constitutes a material change in circumstances. According to the Homeowner Bill of Rights, OneWest must give me 30 days to appeal the decision. OneWest is refusing to allow me to appeal and is going to move forward with the foreclosure which is set for Friday, XXXX XXXX, XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XX/XX/year> Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, Mn XXXX Subject : Debt Validation Request Dear [ Debt Collectors Name ], I am writing in response to a notice I received regarding an alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following information : The name and address of the original creditor. 
The amount of the debt and how it was calculated. 
A copy of any agreement that legally obligates me to pay the debt. 
Proof that you are authorized to collect the debt on behalf of the creditor. 
A detailed payment history, including any fees or interest added. 
Until I receive proper validation, I request that all collection efforts and reporting to credit bureaus be halted. Please provide this information in writing within 30 days. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Dear CFPB representative, I hope this message finds you well. 

My name is XXXX XXXX and I am an owner of the account of XXXX, XXXX at Chase bank. 
I am writing to urgently address a critical issue concerning payments made by my tenant via XXXX through XXXX XXXX XXXXXXXX to my Chase account. Unfortunately, despite those payments being debited from the tenant 's account, totaling {$10000.00}, they have not reached my checking account. 

Here are the specific details of the missing XXXX payments : Date Confirmation Code Amount XX/XX/year> - XXXX - {$1500.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$1900.00} XX/XX/year> - XXXX - {$830.00} Me and my tenant have taken the following steps to resolve this matter : - Contacted XXXX XXXXXXXX XXXX and submitted claims to investigate the missing payments. 
- Received feedback from XXXX XXXX XXXXXXXX stating that the funds were transferred and posted, and they advised to contact the recipient ( Chase ). 
- I have independently contacted Chase bank and confirmed that no payments corresponding to the above dates, confirmation codes, and amounts have been received. However, Chase 's notification system emailed me with confirmations on receiving funds through XXXX for all transfers specified above. 

Attached to this email, you will find documentation including completion letters from XXXX XXXX XXXX 's research, XXXX confirmation emails and Chase statements. 

I kindly request assistance from the Consumer Financial Protection Bureau ( CFPB ) to facilitate the resolution of this matter with Chase Bank. My aim is to ensure that the missing payments are promptly delivered to my Chase checking account or recovered and made available for immediate resending. 

Should you require any additional information or documentation to expedite this matter, please do not hesitate to contact me at your earliest convenience. 

Thank you sincerely for your prompt attention and cooperation in resolving this pressing issue. 

Best regards, XXXX XXXX
Product: Mortgage

On or around the last two weeks of XXXX XXXX at NewRez initated my request for a Home improment loan on my Home The dollar value is {$280.00} no equity debt. XXXX, for some reason is not responding. Today is XX/XX/XXXX  the request was a kind of emergecy because it involved A/C & Furnace Qoutes with two contractors. The heat is immense but she willnot return my call. Now there are other lenders involved but I Didn't want outsider in the process.
Product: Debt collection

I have disputed this charge with XXXX, I have contacted them and informed them, I never had, any contract with them, nor phone services, that I never authorized my name or my social. They call 3-4 times a day, I am an XXXX Veteran on a fixed income, XXXX XXXX XXXX XXXX, I have never ever, signed, anything. This is affecting my credit, and causing me stress, I had a security freeze on my credit report due to this as well and a lock to prevent anyone getting things in my name I unfroze my credit report a week ago., and as you can see in uploaded documents they added and update to my XXXX when I unlocked on the XX/XX/XXXX and XX/XX/XXXX, I am asking THEM TO REMOVE AND DELETE THIS FROM MY CREDIT FILE, AND NOTIFY CREDIT BUREAS OF THIS IMMEDIATELY