23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Statement of Facts and Request for Resolution Lease Agreement : I entered into a lease agreement with XXXX XXXX XXXX, XXXX, for a term spanning XX/XX/XXXX, through XX/XX/XXXX. 
Early Termination Notice : In XX/XX/XXXX, I notified the landlord of my intent to vacate due to : a. Gaining custody of my XXXX-year-old nephew due to documented abuse and neglect ; and b. My daughter 's worsening XXXX, with suspected mold in the apartment. Hospital records from this period substantiate this claim. 
Lease Terms : The lease lacked provisions addressing early termination but required 60 days ' notice before lease expiration. 
Landlord 's Representations : Upon informing the landlord, I was assured they would market the unit due to high demand for two-bedroom apartments. I provided referrals of two qualified prospective tenants, both of whom were quoted rent significantly above market rates, rendering the offers unreasonable. 
Failure to Mitigate : Landlords are statutorily obligated to make reasonable efforts to re-lease a unit under Connecticut General Statutes Title 47a. Despite this, the unit remained unrented for months, was not listed on the landlord 's website, and appeared intermittently occupied. 
Security Deposit Noncompliance : The landlord failed to provide the required security deposit disclosures per Connecticut General Statute Sec. 47a-21 ( d ) ( 4 ), and their lease improperly limited tenant rights to such information. 
Collection Agency Conduct : After vacating, the landlord imposed various fees and collection costs and transferred the debt to a collection agency. The agency engaged in : a. Harassment and threats of negative credit reporting, violating the Fair Debt Collection Practices Act ( FDCPA ) ; b. Deceptive tactics to coerce payments, including false representations regarding legal counsel and creditor decisions ; and c. Refusal to provide documentation of the landlord 's efforts to re-lease the apartment or validation of the debt amount. 
Bankruptcy Filing : Upon consultation with my bankruptcy attorney, it was noted that : a. Under Connecticut law, I may have been entitled to early termination without penalty due to domestic violence-related custody ; b. The landlord failed to investigate or remedy potential mold, disregarding my daughter 's health concerns ; and c. The landlord likely did not meet their duty to mitigate damages as required. 
Payments Made : I have paid over {$6000.00} toward this debt, equating to more than 50 % of the alleged balance, largely under duress due to employment-related concerns stemming from potential credit damage. 
Request for Relief : Given the landlord 's failure to comply with Connecticut landlord-tenant statutes, the abusive collection practices, and the questionable validity of the debt, I request the following : Immediate removal of the negative credit reporting associated with this debt ; or The debt be considered paid in full, with no further obligation for payment.
Product: Mortgage

In XX/XX/XXXX I took out a second mortgage through XXXX. The loan was subsequently transferred to Citi Mortgage. XXXX is also showing as the lien holder, but I am not clear as to what XXXX is. My wife XXXX declared bankruptcy in XX/XX/XXXX and this loan was included in the final discharge (see attached bankruptcy document).The XXXX lien is still showing up on XXXX County records. I have contacted XXXX, CitiMortgage and XXXX, no one will take any action to remove the lien. I am unable to refinance or sell the house as long as the lien is showing as active.  It is also causing problems with my homeowners insurance.
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. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This identity theft issue ( someone else obtaining medical care ) has affected my ability to obtain substantial credit to provide for my family and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in total distress as to how your companies have handled my credit file. I have contacted several gov websites to ensure that Im not left liable for what your company has done to my credit. I have no control on how a company allows a breach to leak someones personal information and for that I have been led to file a complaint with the FTC along with filing a lawsuit against your company which we will begin litigation and a hearing soon. I have not been so XXXX as to how my file has been treated in the incorrect information that is on my credit file. There are so many errors listed on my credit file and I have sent several certified letters within the past few months and I havent seen any changes so I was forced to take the legal approach. I asked your company more than several times to show me any original contracts that has my signature bearing on to it and I never got a response. Remember its been more than a few months and going on 6 months now. I am looking for answers as to why your company has been not responding to my letters. Can you please explain why this process is taking a few months? I am allowing 3-5 business days to respond to my internal dispute and affidavit. This has been a very long uncomfortable process and I am seriously considering seeking an amount for damages that you have caused {$10000.00}.
Product: Mortgage

The loan servicing website has an " alerts '' section which includes both transactional -- statement is ready, tax forms are available, and other notices that should not be ignored -- and promotional offers. Excessive promotional offers. A ratio that seems to be about 12 offers for every alert that I needed to read. 

I contacted customer support to be excluded from receiving these offers. They were unable to help. They removed me from receiving promotional emails, but could not do anything about the messages served by the loan servicing application/website. 

The in-application alerts are the only channel I receive some required communications, and as such, I can not ignore it. 

I feel the lender is abusing my need to use this feature of their loan serving website to receive transactional communications in order to make me a captive audience to promotional messages that I can not opt out of receiving.
Product: Debt collection

I never received any information from Midland Credit regarding my debts or original signature for the debt through XXXX XXXX XXXXXXXX. I never received any court date. The only piece of mail I got was a judgement with incorrect amounts and information against me in which I tried to hire a lawyer to dispute, the company is not meeting any negotiations with my lawyer for a debt they cant prove or gave me rightful notice on.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, This letter is in response to your recent claim that the following information reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation.

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Credit reporting or other personal consumer reports

For months company refused to unfreeze my account .. causing me hardship Losses on loans.. 
Emotional distress Unfair credit scoring Wrong personal data Old database need updated.. XXXX  of my credit score/ reputation.. 
Unnecessary hassle questions. 
After I proof who I was..

Bad customer experience..
Product: Mortgage

I contacted BMO on XXXX and spoke with XXXX. She said an internal request was sent to have a look at our PMI and to see if we can remove it since we believe the value has gone up since we bough the house. She said they have to first look at it internally, then they will send a letter ( name and address was verified ) and then we can go from there. 

She said the turn around time was 5 days. Nothing has come in till XXXX. No mail has been received or letter has been received about this. 

This is a concern as this is costing us around {$110.00} or so per month. BMO has been very poor in this communication and who knows how many others they are doing this to so that they can continue to charge.
Product: Payday loan, title loan, or personal loan

When checking out for an order on XXXX I elected to use Affirm via XXXX XXXX ( a XXXX company ) for a purchase of roughly {$400.00}. When they first payment went to be processed my card was declined, which I was not notified about until 31 days past ( day 31 is today ). Upon my trying to rectify the situation by manually processing a payment on their website, XXXX  XXXX, and XXXX XXXX  all allowed me to input additional payment information but payments continued to fail. After calling their customer service and speaking with three separate people I was able to attempt to pay off the balance of the loan using my husband 's debit card ( they re-tried my credit card, which was not able to be validated by their system despite my account showing me available credit ). Their ( the company 's ) payment processing system was at first not able to validate my husband 's debit card to complete a payment but after some trouble-shooting from him the payment was, in fact, processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation letter to debt recovery solutions llc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, In return I received a letter from ( drs ) with the alleged amount owned and the original creditor name. Which is not validation i owe this debt. Fdcpa requires verification of an alleged debt. proper validation should be in the form of documentation from the original creditor, not the debt collector. Documentation can be account statements from the original creditor, payment history from the original creditor etc..
Product: Debt collection

A debt collector has repeatedly contacted me via email attempting to collect a debt for a person named XXXX XXXX. I have no idea who XXXX XXXX is. I do not know these people any money I am not related to XXXX XXXX he is not affiliated with me he has no one I've even met.

They have sent me numerous emails and it is getting on my nerves.

They also have placed this credit card debt onto my account on my credit report. Every time my credit score up begins to go up they replace this account onto my report causing my score to plummet. They have done this numerous times already and it has got to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern, This is about the inaccuracy that has been furnished by your organization on my consumer report. I found this inaccuracy on XX/XX/2021. Due to this inaccuracy, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against multiple times and refused my RIGHT as a consumer to extend credit. 


From my research, according to 15 USC 1681 ( a ) ( 3 ), consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I am putting your organization on notice and would like to inform you that I never gave consent to this report being furnished by you on my behalf and I am also aware of the fact that your organization assumed a vital role. 

Because of this, my livelihood has been adversely affected and has caused me a great deal of stress in already difficult times! From what I understand there is no such law that states that anything must be reported to a consumer reporting agency. Therefore, your organization is liable. 

Also, pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agency must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your organization exercised its responsibilities neither with fairness and impartiality nor protected my right to privacy. 

I also request that you give me a piece of evidence to show that the information which is being reported has been properly investigated. Provide me with details of the system that your organization used to determine whether the transaction took place or not. 

According to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I demand you do the following ; XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX  and all remarks XXXX XXXX XXXX XXXX and all remarks Upon further research 15 USC 1681n states that each violation for willful noncompliance is {$1000.00} per violation. 

My reputation has been abused enough. My right to privacy has been abused enough. Remove these accounts from my credit report. I have provided federal laws and as a federally protected consumer, I expect this to be handled accordingly. 

Thank you for your cooperation. 

Sincerely, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Credit limit or original amount {$2800.00} XXXX XXXX XXXX XXXX  Account number XXXX .... 
Date opened XX/XX/XXXX XXXX .... 
Recent balance {$5400.00} as of XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Date opened XX/XX/XXXX Recent balance {$3800.00} as of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX Account number XXXX .... 
Recent balance {$1700.00} Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Recent balance {$7300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXX XXXX  Account number XXXX .... 
Recent balance {$1400.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Address identification number XXXXXXXX XXXX XXXX Account number XXXX .... 
Recent balance {$0.00} Date opened XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Address identification number XXXXXXXX XXXX  XXXX Account number XXXX .... 
Recent balance {$0.00} as of XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX Address identification number XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have a 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, 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: Checking or savings account

I have filled a dispute for {$490.00} on XX/XX/2021. and my balance was just XXXX then on next morning my again balance was - {$490.00} instead of {$1.00} I chatted with an agent to solve this the say investigation team has charged u XXXX $ means I don't understand I have already disputed {$490.00} and gain on next everyday dispute team charge me {$490.00} again making my balance - {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has closed the account as charged off due to non payment is and reporting to my credit as 90 days past due unfairly. XXXX requires an active connection to your checking account using a third party services. The link consistently failed to work and I could not otherwise make a payment. I switched phones from an XXXX to an XXXX device and XXXX does not support XXXX  phones. Their app is required for all activities related to the credit account so I lost any ability to access my account. I sent numerous support request tickets asking for assistance to make a payment to the account and did not receive a response until just this week finally they responded with a text message link to make a manual payment, which I did to payoff the full balance. XXXX 's response stated they email me statements with a mailing address to send a payment - I've never received an emailed statement from them. During the course of my inability to access the account or make payments, XXXX sent periodic text messages with inconsistent information. I'd receive a text saying the account was 15 days past due followed by 90 days, followed by 30 days, almost due, nothing was ever presented to me with accurate information. XXXX not once communicated to me in a timely or accurate manner. XXXX never sent anything to me in the mail or make any phone calls to me. XXXX is not handling their credit product appropriately, they're making it difficult for customer 's to responsibly manage the account, and I would like assistance in having XXXX update my credit report to remove the late payment reporting due to their error and failed ability to provide customer support.
Product: Debt collection

Creditors Name : Nelnet Account number : XXXX I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit : Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

To whom it may concern, on XX/XX/XXXX I sent an email to the Executives Office of Discover regarding a late payment they are reporting on my credit report. In this email I explained in great detail that in XX/XX/XXXX I was hospitalized and diagnosed with XXXX   XXXX XXXX XXXX of both XXXX. I was XXXX  over two dozen times the previous month before being diagnosed. I was out of work and on heavy XXXX medication. I was not sure if I would survive. I requested that Discover look into the late payment because I thought I had paid the bill but could not be sure due to the circumstances. I requested that discover consider extending a goodwill offer for this one payment. On Tuesday XX/XX/XXXX I received a letter stating they could not reverse the late payment report. Because of the short time between the time I sent the email and the time I received a response, I couldn't help but believe that my account had not even been looked into nor my circumstances be taken into consideration. On XX/XX/XXXX, I sent another email to the CEO and received an additional letter by mail on XX/XX/XXXX, stating they already responded to my request. On XX/XX/XXXX I followed up with an email again further explaining that I am in the process of purchasing an house and that the payment in XX/XX/XXXX was beyond my control giving my medical condition. I am Anyone who has ever been affected by XXXX or has a family member affected by it, knows that it is a life or death situation. I received an email back from XXXX on Monday XX/XX/XXXX which was an automated response/copy and paste of the generic letter I received in the mail. My problem is that Discover 's mission statement states they " Our mission is to help people spend smarter, manage debt better, and save more to achieve a brighter financial future. '' If this is the case then penalizing a member for enduring a life or situation that was beyond her control hardly is in line with the mission. Requesting that this late payment be redacted is not outside of their scope of capabilities as I explained to XXXX as my elderly mother who has been a card holder for over a decade underwent XXXX XXXX and was XXXX for months and missed several payments and she requested a goodwill and it was granted. She was also offered an increase on her credit limit to XXXX despite her telling them she was on a fixed income and very sickly. This is unfair and discriminatory practices by Discover with no concern for the credit worthiness of the consumer.
Product: Credit reporting or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The account listed below have CB/VICSCRT : Account number XXXX, Youve reported different dates under date of last activity. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report. DELETE THIS ACCOUNT violated my federal given consumer rights to privacy amongst other things.

15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to XXXX XXXX reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


PLEASE SEE ATTACTHED EVIDENCE DOCUMENT