23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have paid the company the debt they alleged that I owed so that I can get approved for housing. In an attempt to secure a rental, I paid Rent Recovery Solutions as they promised to delete the collection upon payment. However, they reneged on our agreement, claiming that I did not use their preferred payment method, which was not disclosed beforehand. I lodged a complaint and requested to speak to higher management but received no response. Instead, they retaliated by falsely reporting that I had stayed at the apartment complex 's second property across the street and owed a balance to that property ( XXXX XXXX  XXXX XXXX ), which I never stayed at as I stayed at XXXX XXXX XXXX XXXX while failing to report my payment. They also listed two evictions, one of them being from the property where I never resided. I have sent multiple certified mail and return receipt letters to them that were signed that they were delivered yet they keep ignoring me. They are still attempting to collect a debt I have already paid by using deceptive, misleading, and unfair practices. For a satisfactory resolution as far as with what the CFPB can help with, I would need a permanent deletion of all accounts they are reporting to my rental and credit reports ( including the minor ones ) immediately. This is only fair as I have already paid and I need to secure housing within the next few months and fear homelessness due to continually being denied. Rent Recovery Solutions ' also lacks a debt collector license, as required in North Carolina that they are to have BEFORE attempting to collect this debt from me. Despite my request for verification of their license and license number, they have failed to provide this information. Collecting debts without a license is a felony in North Carolina. This is pertinent information about suspected illegal business practices being conducted by Rent Recovery Solutions that may be affecting the general public. I am including a letter in the attachments with more detailed information that will not fit in this box.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency, Please provide evidence that XXXX XXXX XXXX account belongs on my report and that my rights have not been abrogated. In the event that no record exists, please delete this damaging account information.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is in clear violation of the law. I obtained a copy of my TransUnion Report and noticed the following data furnished that I found to be inaccurate and incomplete as per 15USC 1681i ( 5 ). The information included in my dispute notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) on ( XX/XX/24 ) was furnished without written authorization from me or permissible purpose pursuant to 15USC1681 ( B ). This agency is also in violation of 15USC1681 ( b ) ( a ) ( 3 ) ( f ) ( i ) for allowing the following person ( s ) included in my notice sent ( PLEASE SEE THE ATTACHMENT INCLUDED BELOW ) to obtain my TransUnion Report without my written authorization and permissible purpose under the FCRA and its guidelines which is a direct result of IDENTITY THEFT pursuant to 18USC1028 ( A ). According to 15USC 1681 ( b ) c ) Furnishing Reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquires ; It this consumer reporting agencys obligation as a consumer reporting agency to ensure MAXIMUM ACCURACY of my report pursuant to 15USC1681 ( e ). This information included in my notice sent must be promptly removed from my consumer report according to 15USC 1681a ( 5 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Payday loan, title loan, personal loan, or advance loan

Today ( XXXX  ) I applied for a loan with the company Spot loan online. I received a letter stating they did not approve my loan due to not having a bank account. When I do. In fact I have 2 bank accounts. I have attempted to contact spot loan over this but all I get back is a confirmation email from them stating they will contact me with in 24 hours. 24 hours will be to late. I need to have the money ASAP. This is silly because I keep getting denied at a bunch of different lenders due to them stating that I dont have a bank account when I do. Just because it ain't XXXX XXXX XXXX or XXXX XXXX or a name brand bank shouldn't matter. My bank does everything those banks do. Plus more! My banks are XXXX Bank and XXXX. These companies are doing a form of discrimination over what they feel is not a bank when people do have them. I still have a routing number and an account number, they keep a ledger of all transactions. All the exact same as a bank. This XXXX of they dont fit into our policies is bs. Now I have to jump through hoops because these companies want to play games on what classifies as a bank or not. This should not be a reason why I am denied a loan that otherwise I would've qualified for.
Product: Debt collection

Unknown parties claiming to own my note and deed of trust have unlawfully filed another notice of default on my parents property. they are XXXX and XXXX and XXXX. We have sent them the attached subpoena and nobody replies. They are asking my parents to contact XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, California XXXX on tel : XXXX ( XXXX ) XXXX and we don't know why? We believe they are simply trying to steal our home of 20 years.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Bank XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, has violated my rights XXXX XXXX XXXX account # XXXX XXXX, has violated my rights XXXX XXXX  XXXX account XXXX XXXX XX/XX/XXXX {$2200.00}, refuse action XX/XX/XXXX {$1200.00}, no action XX/XX/XXXX, completed investigation XX/XX/XXXX {$410.00} no action taken 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. 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 or information. Any other adverse item of information, other than records of conviction of crimes which atedates 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: Checking or savings account

On XX/XX/XXXX someone accessed my online bill pay and stole the balance of my checking account {$9300.00}. I filed two claims with Wells Fargo and both claims were denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to to 18 U.S.C. 10284. 
You have knowingly transferred possed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

Please accept this formal letter as my first request to investigate and remove derogatory accounts/items from my consumer report. Going over my report, I have found it has errors. It has come to my attention that you are reporting what I believe to be inaccurate data, which I dispute, and this letter is an appeal your assistance. As a consumer reporting agency 15 U.S.C. 1681a ( ), you are governed by th Credit Reporting Act ( " FCRA* ), 15 U, S.C . 1681, et seq., which protects consumers from inact outdated, or invalidated information reporting of their consumer file. The FCRA states that consumer reporting agency 's responsibility to ensure that all information contained within consumer is accurate and free from errors. Your company is regularly engaged in the business of assemblir evaluating, and disbursing information concerning consumers for the purpose of furnishing consumer reports, as defined in 15 U.S, C. 1681a ( d ), to third parties, I request your company to provide verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it. Under the FCRA, if you do not provide documented and verifiable proof, you must remove all unverified, invalid, derogatory information from my consumer report. 

XXXX XXXX Westlake XXXX XXXX
Product: Credit reporting

I have formally requested my free annual credit report from Experian twice. They have sent the same response, that " We were unable to honor your request because you did not provide sufficient identification information for us to verify your identity '' -- HOWEVER, I have sent everything they require, including : my full name, Soc Sec number and copy of my Soc Sec card, complete addresses for 2 years, date of birth and copy of my birth certificate, a copy of my driver 's license with my CURRENT address, and a copy of my most recent bank statement. EVERYTHING was legible. I have included additional copies of my Veteran 's Administration ID, voter 's registration, fingerprint clearance card, AND mail addressed to me from government entities with my current address on them. I ca n't reach them by phone or via the internet regarding this issue because they have no prompts or links to assist me with this particular matter. Another credit bureau, XXXX, has already sent a report to me with the same information. Please help me. XXXX XXXX XXXX
Product: Mortgage

Wells Fargo Bank, our current mortgage holder, contacted us about refinancing our loan at a lower rate. It seemed reasonable, so we agreed. The process kept getting delayed for what seems like stupid reasons ( they contacted our employers 3 separate times to verify our employment history! ) After approval, they kept promising us the paperwork to review, but did n't send it. Finally they sent us the paperwork the day before it was due. I was out of town on business ( which they knew ), so we could n't complete the signatures in time ( with no time to review ), so they cancelled the process. They did n't offer us an extension which, after reading through the paperwork, we were entitled to do. I files a complaint with the company in XXXX 2016 for this ( and that one of the loan agents called and asked for personal information over the phone and was extremely rude when I would not give it to her ). Since that time, I receive a phone call and a form letter the XXXX and XXXX every month telling me how important our concerns are but they need a little more time for " research ''. We both have good credit ( XXXX and XXXX ) and were seeking a refinance amount of less than 20 % of the properties value.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Acco8nt name : XXXX Date of inquiry XXXX XX/XX/2024 Acco8nt name : XXXX XXXX Date of inquiry : XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint was made because you are reporting inaccurate and incomplete information on my Credit Report. I understand that mistakes happen but your inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following account and remove late payment. You are reported totally different or missing information on my XXXX XXXX XXXX account. I attached copies of my annual credit reports so you can find wrong information.
Product: Debt collection

I have filed numerous complaints against Accelerated collection Co and there has been no response. I have two cfpb account open # XXXX and XXXX and no response from neither Accelerate collection nor CFPB. This collection that has been falsly reported has now cause my FHA home loan to be denied. I am not doing able to provide my family a new home due to this error and credit abuse. I do not owe this bebt and no proof has shown that I do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6TH endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
EXPERIAN : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts. 

They are being listed as follows : - [ x ] XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - [ x ] XXXX XXXX XXXX Opened XX/XX/XXXX
Product: Credit reporting

XXXX/XXXX/XXXX I down loaded the form for a free credit report, and supplied complete information and documentation on XXXX/XXXX/XXXX. 
This was mailed to Equifax on that date. 
I received a form letter dated XXXX/XXXX/XXXX, of XXXX pages with a research request form, no credit report included. 
On XXXX/XXXX/XXXX I received a form letter stating that I have received a free credit report from Equifax within the last twelve months. 
I had never requested nor received a credit report from Equifax prior to this XXXX. 
On XXXX/XXXX/XXXX after receiving the above, I called the dispute number, and spoke with XXXX providing the needed security information and, stating the lack of receiving the requested free credit report. 
She told me she would send out a complementary report even though their file shows XXXX was supplied per my request, that I would receive it in XXXX twelve days. 
XXXX then gave me another confirmation number. 
I received another " copy '', dated XXXX/XXXX/XXXX, this being the same form letters as the the first and second sets, with the " new '' confirmation numbers, as supplied by XXXX. 
On XXXX/XXXX/XXXX I called the dispute line and spoke with XXXX. 
His response was that he would immediately sign me up on line for a monthly fee so that I could look it up anytime. I declined. 
I now waited for approximately sixty days for credit report. 
Would appreciate some assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union continues to report a paid off car loan on my credit report as late. I've tried to dispute the transaction thru the credit bureaus and directly with the company but to no avail. The car loan was opened XX/XX/XXXX and paid off in XX/XX/XXXX. The loan was included in my bankruptcy but I kept the car and continued to make payments until I paid it off. I was never late on this loan and it's still reporting as such.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX SS # XXXX This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the XXXX, XXXX, Experian 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 ( bank ) XXXX XXXX  with a balance {$940.00}, ( Collection ) XXXX XXXX XXXX with a balance {$170.00}, ( Loan ) XXXX XXXXXXXX with a balance of {$0.00}, ( bank XXXX XXXX XXXX XXXX  with a balance of {$0.00}, ( bank XXXX XXXX XXXX XXXX  XXXX with a balance {$0.00} ( loan ) XXXX with a late payment XX/XX/XXXX, ( XXXX ) XXXX XXXX XXXX  late payments XXXX, ( inquiry ) XXXX XXXX XXXX ( date ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( date ) XX/XX/XXXX. These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. 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 that is being 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 Complaint # XXXX 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: Checking or savings account

I had a pending transaction that would have made my account go negative if it had posted, but it was only pending ( and ended up not going through because it had been charged early. ) This resulted in the bank charging me XXXX overdraft fees totaling {$140.00}! My account is- {$110.00} ... Meaning there was money in there, {$30.00}. They refuse to waive any of the fees. Even after I had spoken to someone on XX/XX/12 who told me {$76.00} would for sure be reimbursed and that they COULD waive the overdraft fees. There were no notes and the agents I spoke to today refused to help me at all and basically told me I am incorrect when really, it is basic math. And Pending transactions should not count against you, only if they CLEAR.
Product: Credit reporting or other personal consumer reports

To update this suspicious information, I sent a letter to the XXXX credit bureaus. I believe that these accounts have not been verified in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( XXXX  ) ( XXXX ) ( XXXX  ), and I shall take legal action against you for this. I previously included this in my COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {XXXX} ; XXXX XXXX XXXX Balance : {$0.00}.