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

I am a victim of identity theft. I submitted dispute letters to XXXX, XXXX, and Transunion notifying them of the accounts that did not belong to me over 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I exited my rental lease early at the apartment property ( XXXX XXXX XXXX ) a XXXX XXXX XXXX in XXXX XXXX, due to an extremely bad experience, vandalism, apartment conditions etc. A short while after moving out I received a bill for certain charges. Two of the main charges were for the carpet which was only in the bedroom and a piece of vinyl flooring. While I was a tenant, I requested that the vinyl flooring be fixed. It was a small rip in the flooring ( Photo attached ) The maintenance individual stated at the time of request to fix it, that it was not something he could fix. I ended up being charged {$970.00} and it was actually fixed after leaving. I was also charged {$170.00} for the carpet that had some discoloration in the bedrooms. I was also charged for drywall issues which they cut due to water damage. ( Photos included ) We utilized an app called ( XXXX ) to make maintenance requests. Below are photos of many of the requests and I made to maintain the conditions of the apartment, Just to avoid being charged. I asked the district manager and to explain how I was charged so much. I also have attached a video of what the flooring looked like when I moved. I was sent a ledger and bill which is also attached but I do not believe that the amount was equivalent to the condition I left the apartment. At most all the all flooring needed was a carpet cleaning which is required and mandatory in all units when individuals move out. And I do not believe that the small piece of Vinyl in the photo was almost {$1000.00}. I know individuals who have moved out with more extensive damage and I dont believe the charge was as much.
Product: Credit reporting or other personal consumer reports

I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain anaccurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.
Product: Credit reporting or other personal consumer reports

I was recently the victim of identity theft. I have been trying to remedy the results of this which are wreaking havoc on my credit. I have gotten responses from all of the lenders ( either verbal or in writing ) that their internal investigations determined I was the victim of identity fraud. I filed a police report and an FTC report documenting this. XXXX also confirmed my disputes and removed the fraudulent accounts and inquiries from my credit report. Equifax refuses to acknowledge these inquires as fraud despite the mountain of evidence to the contrary. When I try to call they just tell me to submit it online even though I have done this 3 times already. Please help me hold them accountable so that I can move on from this nightmare and continue with my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to the XXXX Security Breach and to protect myself from identify theft, two days ago, Tuesday, XX/XX/XXXX, I froze my credit reports with XXXX, Experian and XXXX. I accomplished this online for XXXX and XXXX, and by phone for Experian. At the end of the call with Experian, a recorded voice told me Experian would mail me my PIN number. As you may know, a PIN number is the only way a consumer can unfreeze their credit report. If I were applying for credit, to  include renting an apartment, and the lender used Experian, I would be in a bind to say the least. Today, Thursday, XX/XX/XXXX, I called Experian at XXXX ( XXXX ) XXXX to find out when they would mail me my PIN number and when I would receive that information in the mail. I was on hold for more than an hour, and never spoke to a real person. I would appreciate the CFPB assisting me in contacting Experian and finding out when Experian is mailing my PIN number and how soon I will receive it. Thank you for your assistance, which is greatly appreciated.
Product: Debt collection

Portfolio Recovery Associates, LLC is attempting to collect a debt from me that I do not owe. 
Portfolio Recovery Associates, LLC is alleging that I owe {$380.00} but is refusing to providing me a valid contract to show that I agreed to the terms of this debt. 
I did not signed nor agreed to a contract for the {$380.00} that Portfolio Recovery Associates, LLC is alleging that I owe.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a new XXXX XXXX XXXX in XX/XX/XXXX, and Chrysler Capital did the financing of the loan. I setup online account access and requested payless statements. I received one payless statement in XX/XX/XXXX and nothing else. I've never received paper statements either. On XX/XX/XXXX, I called Chrysler Capital and spoke with XXXX, employee ID # XXXX, who advised me that he could send me a copy of my XXXX and XX/XX/XXXX statements but when he attempted to send it to me, he was only able to send XX/XX/XXXX statement. While XXXX was extremely helpful in trying to resolve the issue, he was unable to. 

As outlined under 12 CFR Part 1026, subsection 17, the creditor, Chrysler Capital, is required to provide a periodic statement in either print form or electronic form provided by the consumer has agreed to electronic form.
Product: Debt collection

I was in a car wreck in XXXX. The debt was tied up in litigation until the wreck and legal was all settled out in the spring of XXXX. All creditors associated with any medical bills were paid their agreed-upon amount by the attorney 's office. 

I have the invoice from the attorney 's office showing that XXXX  XXXX XXXX settled on this item and that no further action is to be taken. This false collection needs to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

Im writing to complain expressed my concern regarding Zelle and their handling of disputes specifically in light of recent CFPB lawsuit, highlighting significant issues with the platform despite using Zelle and reporting discrepancies Zelle filled to investigate my claims they told me that reporting and retrieving this money is impossible, and are unable to refund me my loss CFPB finding has shown Zelle has neglected to protect the users money and also have repeat offenders leaving me vulnerable to continue to get scammed.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I believe, mandates the removal of any erroneous accounts from my credit report. Could you check the documents, please? Some of the listed accounts contain inaccuracies regarding reporting, including incorrect amounts and dates.
Product: Mortgage

I received a mortgage statement from BMO Harris bank. I noticed that my annual fee of {$35.00} that I sent in on XXXX/XXXX/2015 was not credited correctly ( they credited it to principal ). When I sent the {$35.00} in I even noted on the payment that it was for the annual fee. I contacted them at the number on my statement which is XXXX and spoke with XXXX. XXXX said that she would correct the problem and that it would take 3 to 5 business days. I was fine with the resolution until I asked her to mail me an updated statement. She told me that I could not have an updated statement and that they only sent XXXX per month. I asked her if that was the case even though you made a mistake. She said yes the XXXX statement rule still applied. I told her I was going to let you ( CFPB ) know about this rule. I have no idea if she is well within her rights or not, I just thought that you should know.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Transunion XXXX XXXX is violating my consumer rights to privacy And Inaccurate Information on my credit report according to 15 USC 1681b 2, and also has also NO permission to report ANYTHING using my information according to USC 1681 4. I need them delete this unauthorized inquiries and accounts off my credit report. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. I contacted " THESE COMPANIES " and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 
THESE ARE THE INFORMATIONS THAT NEEDS TO BE DELETE IMMEDIATELY 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 card

I am a victim of Identity Theft with a complete FTC package ( police report & affidavit ) and per state regulations I have a security freeze and a fraud alert on all three of my consumer reports. 

On XXXX/XXXX/2016 I applied for a Best Buy Credit Card issued by Citi Bank. Prior to submitting the application and thus 'hard pulling ' the actual report, Citi Bank were aware of the following fraud alert through 'soft pulling ' : XXXX XXXX XXXX : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 90 DAYS BEGINNING XX/XX/2016. ' When they did a hard pull, which was indeed authorized by myself, taking into account that they 'd ignore the fraudulent inquiries shown as 'disputed ' for 10 days BEFORE I APPLIED. They did a hard pulling and declined me because of solely being a victim of identity theft. This raises a legal issue of discrimination as it is certainly not my fault that my identity got stolen. If at any time prior to the hard pull, was I aware of they intentionally declining me prior to this, I would n't made the application and damage by report. Other lenders have previously issued me credit, DESPITE THE FRAUDULENT INQUIRIES as they knew I have n't done them myself per the fraud alert which you can see by soft pulling. I believe reason to believe that this is intentional and I would like to seek legal remedies to have the Best Buy Citi Bank Inquiry removed from my XXXX Credit Report. 

I have opened at least XXXX credit card accounts : XXXX and XXXX XXXX with both of the creditors being aware of inquiries on my credit report.
Product: Mortgage

I could not log into the mortgage companies website. It would say loan not recognized. Customer service wait times were in the hours. The company did not contact me. Eventually sent me a letter which i responded immediately and was able to reach a represented who walked me through connecting my Loan and Their website. I pay the back balance. I followed up to ensure my Auto-Pay was setup and my Balance was XXXX. The webpage was confusing but clearly showed a {$0.00} due balance. The associate assured me the balance was {$0.00} and autopay was setup. The following reporting period I received a 30 day late. I called back and was told the balance was due and autopay was not enabled. I paid immediately again and setup autopay again with the rep. 

The companies poor web portal and misinformation caused the 30 day late payment. Not once was I unable or unwilling to make the payment, I simply was UNABLE due to their systems. I explained this politely many times and have been sent all over LOANDEPOTs departments. After filing a complaint I received a call denying my request becuase " the payment was late '', however it was late because of LOANDEPOT. I asked the representative if they listened to the call and she said yes, however she referenced female associate but I was talking to a male associate. She pulled the wrong call. I clearified this and received a half-heart " oh i listened to that too ''.. I do not thing she did. These late report are hurting my ability to refiinance and its LOAN DEPOTS fault. Please remove them
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a hard inquiry from XXXX XXXX. I also received a XXXX credit card in the mail. I did not apple for this. On XX/XX/XXXX, I called XXXX XXXX to report the fraudulent activity. They closed the account and began an investigation. On my hard inquiry XXXX report I noticed another one for a personal loan from THD/CBNA from XX/XX/XXXX. I did not apply for this personal loan and do not recognized this institution. I would like to report this as fraudulent activity unauthorized by myself.
Product: Mortgage

I have a home morage through Chase Morgage company. I lost my employment XX/XX/XXXX. I immedidately contacted chase who stated that they would allow me to do a payment deferment for XXXX months. When that time was up I was to contact them and they would see what options were available depending on my situation. I unforutnately was not employed at the end of the deferement period. I was told by chase that I needed to make XXXX payments to make my morage current and they would offer me a loan mondification. I explained that I did not have an income and that I would be using the remainder of my savings to make those three payments. They did send me modification paperwork. I called when I recieved those papers and was told that because I was not working that was all they could do, and so, I signed the paperwork and returned it. I did not receive any further communication from Chase until I was notified that they had applied with the State of Oregon to file a forclosure. I enlisted the help of the Oregon Forclosure Assistance program and was assigned a hoursing assistance councelor by the name of XXXX XXXX. XXXX helped me navigate the process of going through several meetings and meeting cancelations with Chase. I became employed XX/XX/XXXX. Chase offered me a modiciation in XXXX, based on an hourly pay that I am no longer receiving. There were several communications back and forth between Chase and the Oregon Medidiation Program attempting to clearify my pay which became salary when my XXXX day probation was up. I asked prior to our meeting how they calculated the payment as it is more than my original morage payment, and I am making nearly XXXX dollars less annually. I then posed the same question at our meeting at which time the Chase represenative told me that I either signed the modication proposal or I risked a higher payment and or even denial. I signed the modificaiton. I have made one payment, but, I am selling personal items to make the payment I am struggling. I was notified on XXXX XXXX that the State of Oregon did not provide Chase with a certificate allowing them to continue with the forclosure. I have also contacted XXXX XXXX at Chase asking for clarification.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Repair Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information, credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

LVNV funding/Resurgent Capital Services is attempting to collect on XXXX different debts which are now expired past the seven years. I have sent them a letter warning them if it is not removed from my credit report since they are reporting it fraudulently to my credit report, then I am taking them to small claims court. They ignored my letter. It is XXXX XXXX that owns both companies. They intentionally go after low income people and then harass them. I did n't even give them my new address. 

They hit my credit info to find out my new address and sent me a letter demanding the full amount of which has been quadrupled from the regular amount of the original creditor. They refused to give me their phone number because they believe that it will make it harder to serve them.
Product: Debt collection

XX/XX/19 @ XXXX i got a call from one of my tax clients XXXX XXXX that she got a call a XXXX at ally financial stating that i used her as reference on my credit application. This statement was false. She stated that she wanted to leave a message for me to call her. This has damaged MY credibility with my clients and put a strain on my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX XXXX XXXX on XX/XX/2020 letting them know I was vacating their property " XXXX XXXX  '' in XXXX, Il. I told them that, per Chicago Rental Law, once they successfully attempted, and did rent the apartment to let me know the appropriate amount that was due and I would pay them. 

XXXX XXXX XXXX did not ever attempt to mitigate the damages and relet the apartment. I have submitted a complain on here before and which they replied by saying they did, however I have proof of their property manage " XXXX XXXX '' emailing me all the way in XX/XX/2020 saying I can not just leave the property and I need to " reread the lease. '' He, and his company, directly violated Chicago Rental Law.

I then asked Mr. XXXX multiple times to have all further communication go through the mail and he continuously emailed me, harassing me over 60 days after I moved out instead of attempting to mitigate the damages.
Product: Debt collection

Southwest Credit Systems has placed a collection on my credit report without following the laws such as XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX They have a collection for XXXX XXXX. I turned in this equipment. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion XXXX XXXX XXXX XXXXXXXX ) XXXX I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my rental history, there is a collection account that I never opened I never rented with the promenade red apple town center, this is a fraudulent account that was open under my name, identity was stolen
Product: Mortgage

5th/3rd bank took over the mortgage to my house from XXXX XXXX 2 years ago. At this time I set up an automated bill payment schedule from my personal account at XXXX XXXX to deliver my mortgage payments monthly to 5th/3rd mortgage payment processing center as instructed by 5th/3rd bank. This has been working as scheduled for years, until XX/XX/XXXX. For this month only, 5th/3rd bank received my payment from XXXX, which they admit ( evidence provided from both XXXX and 5th/3rd ), but instead of processing my mortgage payment, they decided to return it to XXXX and charge me a late fees. 5th/3rd bank did process all subsequent payments from the automated bill payment, but kept charging fees on the returned payment in XXXX. Once the issue was noticed on my side, I immediately went over to 5th/3rd bank to address any amount on the loan in arrears. I asked 5th/3rd to reverse the fees associated with their error, but they conveniently stated that It was my issue and to pay the fees. I supplied evidence from XXXX that they did receive the payment, and then they finally agreed to open an investigation. 
The automated bill schedule has not been changed since it was created in XXXX and 5th/ 3rd bank has been processing my mortgage payments successfully every month before and after XX/XX/XXXX.  Even faced with the evidence that the payment was made on XX/XX/XXXX and erroneously refunded by 5th /3rd on XX/XX/XXXX, they claim that all faults are with me and I am responsible for the fees and the negative feedback on my Credit Rating. I have decided to escalate this issue to the Consumer Financial Protection Bureau. XXXXth /3rd ability to return a payment just to charge a fee is outrageous.  Please see the correspondence and evidence attached.
Product: Credit card or prepaid card

Dear Sir or Madam : Please note that my Case Amazon Visa Card, since 2019, always had a credit limit block, until last week, without notice. I callled Chase bank and they stated, " As a courtesy to our customers during Covid, we lifted the credit limit block, '' which led me to go severly over the credit limit. Its to the point where I don't know how I am going to make the payment,
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten hold my social security number and Collecting unemployment and insurance benefits underneath my credit also!!