23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The end of XX/XX/year> and the beginning of XX/XX/year> I Moved from my apartment complex XXXX XXXX XXXX. Leading up to me and my girlfriend moving we were notified from a couple of neighbors that they had XXXX  in their apartments and they were moving pretty soon due to XXXX XXXX that they were experiencing. I had also noticed i had been having XXXX issues and bad coughs and just thought nothing of it and didnt go to the hospital. I decided to have a XXXX inspection done. The results are attached below. I paid XXXX out of pocket. I was not reimbursed from the complex after the failed mold inspection from XXXX of there apartments. We agreed that I would not pay anything and I would not be responsible for any future payments in regards to rent due to the failed inspection and I was provided a uncertain amount of time to move out ( VIA Verbally ). But I was later provided a false statement from representative XXXX XXXX that I would need to move out by XX/XX/XXXX to avoid any rent charges. Below I have attached my move in date and lease from the new aprtment XXXX XXXX XXXX ( XXXX ). I moved into that apartment XX/XX/year>. I returned the keys and tried to sign so we could break the lease on XX/XX/year> but I was unable to do so because another false statement provided by XXXX XXXX stating that the front office would be close for an extended amount of time preventing me from breaking the lease prior to rent charges being added on my account. They tried to cover theirselves by providing me a false 3 day notice that was invaild because I already moved out and tried to break the lease prior to them Sending this notice and I reached out over XXXX times about this matter and was later guided to go to another location and having to provide a signature for breaking my lease at XXXX XXXX ( XXXX ). I have been wrongfully charged and the information on my credit report is incorrect and I would like a full dismissal.
Product: Credit reporting or other personal consumer reports

Please permanently remove following fraudulent information from my credit report as it is affecting me and my family.
Product: Credit card

I am an American Express XXXX Card customer. I have been since approximately 2004. Until last week, for the proceeding 13 years, I was able to mark, investigate, and/or challenge questionable charges via the American Express XXXX Card customer portal. Without explanation, last week, American Express revoked my access to do so. I would like that access restored.
Product: Credit reporting, credit repair services, or other personal consumer reports

I resolved the account with XXXX and resolved the account with insurance company experian give me wrong information regards to the account and never honored the deletion letter regarding collection account
Product: Checking or savings account

My sons XXXX account was closed per the banks request. It is a XXXX account for my son who is an actor. I have him another account already set up at another institution and would like the funds transferred to that account. Please advise to get this done and the fastest manner
Product: Checking or savings account

Ive tried to open a capital one XXXX  account multiple times and have been denied for some reason. This is my first time trying to make a Bank account I dont know why Ive been denied so many times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXXXXXX Dear Creditor : XXXXThe account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt. 
2. A copy of the contract and/or document evidence of debt agreement.

3. A copy of ALL original debt documents with indicated social security number used to open account. 

I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX onXXXX due to fraud on Report No. XXXX XXXX and XXXX deleted the item from my credit report after its investigation. 

The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself. 

I request that documentation as requested be sent to the address below. I also I request that all Midland debt entries be removed from my XXXX, XXXX, and XXXX credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit XXXX Agencies Act . 

XXXX cc : XXXX, XXXX, XXXX
Product: Debt collection

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This collection was a corporate account and mistakenly reported on my profile. XXXX and XXXX had their record-keeping been accurate, and NO complete payment history was provided. The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, MUST correct or remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness DEPTEDXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$750.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$400.00}
Product: Credit card or prepaid card

I went through a debt consolidation company, not recommended. One of the accounts that I told was settled is still showing on my credit report. I contacted JPMorgan ( Chase ) and spoke to a few knowledgeable representatives. They told me that they saw my agreement, but it was voided because no payments were made per the agreement. I contacted " XXXX '', they sent me the endorsed checks that were sent to Chase on my behalf. The fact that the proof I need to send them can only be sent by FAX, and apparently everyone is sending documents by FAX, I can not get my information to them. I have been trying for a week now and can not get through. The fact that they are so behind the times and I can not get any documented proof that my account should have been settled is absolutely ridiculous. I can not believe that there is absolutely NO WAY to communicate through an email. Almost as if they know they were wrong and don't want me to get the information to them. I am trying to get a home equity loan and this is the only thing holding it up. I did send the docs through XXXX, in hopes something can be done. I am at a true loss and to say that this is frustrating is ridiculous. Please help ......
Product: Student loan

XXXX XXXX constantly directed me to do forebearance after I informed them I couldnt pay them the amount they were asking. I was never told what forebearance was and that it would increase my principle, instead, they told me this is the only thing I could do if I could n't pay that month.
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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On Monday XX/XX/XXXX XXXX XXXX called me 3 times outside of lawful hours. Two calls at XXXX and one call at XXXX. I have screenshot of the phone calls to prove this. I also have record of them calling me excessively, including four times yesterday on XX/XX/XXXX at one time I answered and told them to stop calling me. I am only one month behind in my payment to them yet they feel it necessary to call me excessively and now they have decided to break the law and call me at XXXX. This is illegal
Product: Credit card

I was never sent a statement and when I found out the amount of the bill I mailed a check on XX/XX/XXXX in the amount of XXXX with the last 4 numbers of the account on the check. They cashed the check on XX/XX/XXXX and kept claiming they never received the check. Today they applied the check to the closed account and have a temporary lock on my card because they posted it to the wrong account. Now they say they are going to transfer the money to the right card but that could take up to 30 days and I still don't have access to my card, now I have a cruise booked and need an airline ticket and don't know when I will be able to use my card. Plus I have a 90 day promotion for XXXX bonus miles that if this is not completed in time I could lose that all because someone posted this to a close account and I'm paying the price for their incompetence. I opened this account in XX/XX/XXXX and it has been nothing but a nightmare wish I had never done this.
Product: Credit reporting or other personal consumer reports

I contacted XXXX, XXXX, and XXXX several times by phone and mail regarding incorrect information reporting on my credit report as collections. The collection companies such as XXXX XXXX XXXX in the amount of {$620.00} and {$610.00}, XXXX XXXX XXXX in the amount of {$2000.00}, and Midland Credit Management in the amount of {$1100.00} does not belong to me. I do not have contracts with these creditors. I have not received ant additional information from the credit bureaus showing contracts that has my name, date of birth, address, and or signature stating that I am responsible for the debt.
Product: Student loan

Staring in XXXX I began paying off my old student loan once for the amount of XXXX $ and then for XXXX $ and both were returned. My bank said no payment was attempted and Nelnet says my bank can not process the payment. I tried again with XXXX $ as I am gaining interest everyday. It was returned and I contacted my bank again and no payment was attempted and Nelnet says that my bank could not process the payment. I called multiple times and was on hold for hours. I attempted a payment of XXXX $ and XXXX $ on my new student loan which was also assigned to them. I submitted a complaint with federal student loan services letting them know I insist on having a new student loan provider as Nelnet is thieves and they are awful. I am being charged more every single day and my payment of XXXX $ ( referring to the above ) was just returned with no attempt made to my bank and the same message from Nelnet that my payment could not be processed. When I did get someone on the phone I did make a payment over the phone which is not yet processing nor has it been returned yet nor have I seen any money moved from my bank. I do not trust this company I see complaints of similar and many different issue online, new ones everyday. Nelnet is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX XXXX XXXX has violated this law because this late payment is reporting on Equifax, XXXX and XXXX 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so XXXX XXXX XXXX has violated this law because this late payment reporting on Equifax, XXXX and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX XXXX XXXX has violated this law because they furnished this EXPERIENCE to Equifax, XXXX and XXXX and I didnt give them permission to do so.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

i filed a dispute because XXXX XXXX  reported that my account is still in foreclosure or foreclosure was initiated. the account was paid in full and should be reported as such. the house was sold in XXXX and the mortgage company verified the debt was paid in full so they should report it to the credit bureau as paid in full
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account Number : XXXX in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions ) I never gave credit reporting agencies any written instructions to furnish any account on my credit report..
Product: Debt collection

On XX/XX/2016, I was given the go ahead to buyout my rental lease and was given the information that I must pay approximately {$2300.00} and be out by the end of XX/XX/2016. I paid that total and still had a {$1000.00} deposit to apply to any damages. When we left we took pictures and there was nothing wrong with the house, but then they put on our credit report that we owe over {$1600.00}. They send a detail statement that says we owe for painting a house that we have been there for over 2.5 years and the original company was brought out by two other companies and no one came to do a walk through from previous XXXX. I have tried numerous times to rectify with current company, but they have sold to a third party and they have no idea the situation.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against cash app ( Block lnc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act, CFPA, 12 U.S.C 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes an unfair and deceptive act of practice under the CFPA Furthermore, Cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementing regulation, Regulation E, 12 C.F.R 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash app failed to meet these obligations. 
These violations have caused significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting or other personal consumer reports

On XXXX i sent XXXX XXXX a notice to opt of out any and ALL authorizations i may have previously given allowing them to share any of my information with any 3rd party companies. They are still reporting to the credit reporting agencies. Therefore, not honoring my request! Per 15 USC 6801- 15 USC 6805, 16 CFR 313.7, privacy act of 1974 i have rights as a consumer that i chose to exercise.
Product: Debt collection

I had a Credit card from a company that I defaulted on. XXXX assumed the loan and contacted me. I agreed on an amount I owed and paid the debt. I received a notice of payment and though everything was fine. After looking at my credit monitoring service, I could see that XXXX ( XXXX ) reported correctly that the account was delinquent for the month of XXXX, then paid as agreed. However there was another month that showed up, XXXX. I did not agree with this and did a dispute. 35 days later the dispute comes back as updated and XXXX now list my account in the same closed status but with the delinquency months being in XXXX and XXXX, 7 months after the account was closed. I contacted XXXX and they said everything is fine from what they show and to contact the credit bureaus. I did, and issues a dispute per suggestion of the credit rep and waited another 30 days for the dispute to come back with the same delinquency dates being reported. I contacted XXXX again to ask why they would be reporting the same delinquency dates when my account was resolved in XXXX and have documentation from them on that. I questioned why they would not modify the dates on the new dispute if clearly My account had been closed since the beginning of the year. They said they are n't sure and to email the credit information to their disputes department I have that show the incorrect months being reported, which I did and have not gotten any response. I have been working on this issue since they day they reported the incorrect dates in XXXX. It is now XXXX and they still have n't fixed it. I am worried this has affected my credit profile to those creditors who pull my actual credit history and examine - such as an apartment complex as it makes it appear that my delinquency were much more recent than they are.
Product: Mortgage

XXXX XXXX XXXX foreclosure filed in court without being properly served XXXX XXXX XXXX preliminary loss mitigation affidavit mailed to unknown addresses other than property address ; large envelope zip tied to gate of residential area ; paperwork assures that I would get a " mediation request form '' 28 days after filing XXXX XXXX XXXX letter date stamped as XXXX XXXX XXXX titled " Order to Docket Residential Foreclosure '' from substitute trustees with envelope addressed to " all occupants '' w a subtitle " The Parties Have not Elected To Participate in Prefile Mediation. ''
Product: Debt collection

I checked my credit reports and see an item from a debt collector called Enhanced Recovery Company for the amount of {$450.00}. They list the initial owner of the debt as XXXX XXXX XXXX whom I have not been in contact with for 7 years. I contacted Enhanced Recovery by mail and asked them to verify the debt, who was owed, original date, their right to collect. Instead of responding to me they put the " open date '' on my credit reports as XX/XX/XXXX suggesting that 's the age of the supposed delinquency instead of my last contact with XXXX XXXX XXXX in XX/XX/XXXX. I want them to follow the FCRA and remove that line item on my credit report ( from all XXXX CRA ).
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was a victim of fraud with. After my bank investigated it they ruled in my favor that I did not owe the money and the case was closed. I have a letter which I will enclose to show that. XXXX now is showing a negative balance of {$810.00}. I have been calling them for 2 weeks to get this resolved. They are stating that my bank is asking for this money. On Friday XX/XX/XXXX I had my manager at my bank call them on a 3 way call to explain this to them. They barely let her talk and got very rude with her so even with her help we did not get anywhere. She did ask if they buyer protection and they said yes. I have also provided them with that letter stating this account is closed and I am not responsible for it and the amounts. After many calls to employees and supervisors I am getting no where with them. They are still insisting on that my bank is asking for this money which why are not. I offered to the supervisor today XX/XX/XXXX to have her 3 way to my bank manager again and she refused for me to do that. Also every time I call I get a different story every time on what is happening other than my bank is asking for it and I need to pay it. One person today stated that they can not review what I have sent them for 90 days. This whole thing doesn't make sense.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX $ collection agency portfolio recovery associates llc. 
card and statements were being sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this address has opened multiple cards in my name. 
this is not my address the company would not provide statements online to show what card was used for because account is under investigation
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX