23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a resident at XXXX XXXX XXXX Apartment Complex in  XXXX, TX. 

I was planning on moving out within the next 3-4 months and my lease was ending in 30 days. The leasing office advised me that it would be more economical if I renewed my lease to keep the 12 month rate, as opposed to month to month and I given I provided notice I would not be hit with any move out fee 's or the like. 

When I moved out, I was charged 2 months rent and it was pushed to collections. The lady working in the leasing office was new at the time and advised me incorrectly. As a result, I 've had to suffer with a collections balance from Hunter Warfield. 

They call my phone constantly despite telling them I am not going to pay and to take me off of their list. I blocked their number but they keep calling on other numbers. 

I have never had any issue with collections besides this bill. I 've always remained in good standing and have been issued credit cards from all the major banks, without defaulting on any payment.
Product: Credit reporting or other personal consumer reports

I have disputed with Experian about many accounts on my consumer report with them. They have failed to make sure that my credit profile is accurate and in its completeness. When i Disputed with them they sent back the accounts were verified in which i'm not disputing for XXXX of the accounts but I am for XXXX of them. My dispute was the accuracy of the accounts and the completeness of the account in which i know for a fact they're not being reported accurately or complete. They have even spelled my name wrong on the results that they sent back to me. I will upload the documents of what was sent to me. According to FCRA 15 U.S.C 1681s-2 if a consumer disputes a debt the furnisher must investigate dispute and correct any inaccuracies.as well as 1681i this section requires credit bureaus to reinvestigate and the bureau must verify the accuracy of the information or delete it if it cant be validated.
Product: Debt collection

They tryna make me pay sum that ion do XXXX dollars ion do that on its on my capital one account
Product: Debt collection

Hi I have my mortgage with UWM and the Loan Number : XXXX I have auto scheduled my mortgage amount through BillPay and there was never any lapse in payment. However UWM claims that a payment is missing. I have verified with the BillPay in a 3 party conference call and submitted Proof of payments. Despite this, UWM continuously refuses the payment and further applies late fees, causing my account. 

I tried them with all proof and nevertheless they refuse to hear. They handle my communication very bluntly and refuse to resolve this. 

For over an year, this issue is pending without resolution. They are punishing me further by reporting all agencies, and this is crippling me with no way out. 

Note : i had and have sent all the proof of payment confirmation several times since last year. I request you to involve for an actual resolution. 

XXXX XXXX
Product: Student loan

I have been paying and paying and paying for years to this XXXX loan servicer and all my balance does is increase! 
NAVIENT LOANS. 
I pay {$200.00} monthly and less then {$40.00} goes to my principal. The rest ( {$160.00} ish ) goes to interest. But unbelievably, that isnt enough interest to cover the monthly interest charge and I currently owe more then my original principal! 
XXXX! 
I have called more then once about this only to receive the run around. I have asked to send extra money monthly to just go to my principal, but they say it is not allowed and will just be part of my next payment. 
I need help with this! Im debating speaking with an attorney.
Product: Debt collection

I have been disputing this account for some time now with IC SYSTEMS. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account and they have not responded. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Credit reporting

Trans Union verbally told me on XXXX/XXXX/16 that I have an outstanding debt to XXXX, who reported to me on the same date that my account is current. Trans Union refused to provide me with written documentation in understandable form, stating that the previously reported ( XXXX, 2016 ) error in their records has been cleared up and should show no balance due. This problem began with XXXX XXXX XXXX sending my statements to a non-existent address and failed to contact me by phone when payments were not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystem continue to report and unauthorized inquiry from XXXX XXXX XXXX that I didnt apply for and didnt authorize XXXX XXXX  XXXX or any other company to pull my consumer report. This inquiry is unauthorized and fraudulent. Chexsystem is violating my federally protected consumer rights by continuing to report this fraudulent and unauthorized inquiry after I have explained why this inquiry is fraudulent and unauthorized. The company doesnt have a contact number on the report so I couldnt contact them via phone. This inquiry that is being reported by Chexsystem is totally fraudulent and unauthorized and violate my consumer rights under the FCRA.
Product: Debt collection

I talked to billing number on statementI received. I have XXXX XXXX XXXX and could die anytime. This is medical bill. I offered to pay {$15.00} every month to keep it from going into collections, and if I had more on certain months I would send it. They said that was not enough for them. They would ruin my credit. Which they did. I. have perfect credit they have now ruined. If they do not remove this I will contact the Ohio State attorney generals office. Thanks for your help.
Product: Debt collection

I pulled my credit report and noticed that resurgent lvnv funding has been harassing me with repeated phone calls threatening as well as trying to contact me threw my credit report
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This MIDLAND CREDIT MANAGEMENT account with a balance of {$200.00} has just popped up on my credit report without ever communicating with me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXXXXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to a fdcpa lawyer.
Product: Debt collection

Merchants credit association continues to report a collection account that is not complaint with the CRA reporting requirements XXXX XXXX 2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX, an XXXX XXXX account was opened under my name, when I was XXXX at the time and wouldn't have even been able to open my own credit account. The balance has come to {$9400.00}, and the account was charged off, with {$9400.00} written off. {$9300.00} is past due as of XX/XX/XXXX. The status was updated XX/XX/XXXX. I was XXXX at the time, and this account was opened under my name and federal information, yet I had no association with this account, and never have, and now it is strongly affecting my credit score, which is extremely harmful for me, especially considering I never opened or had any involvement in it. I filed a dispute with Experian, and they did not help me with the problem at all.
Product: Checking or savings account

On or around  XXXX   XXXX ,   XXXX   there was an unauthorized transaction with my debit card and when I received the text message I replied no to not authorizing the charges. All of my accounts have been blocked and now I am responsible for the negative balance on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXXXXXX 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

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Experian credit reporting agency, block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

A remark was made from Bank of America on my credit report, which significantly lowered my credit score. When contacted Bank of America, rep was not able to find or locate such remark. As a result, Bank of America was not able offer a solution to resolve the problem, while the remake remains in my credit report. This is detrimental towards my financial well-being as my credit score has dropped significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted the credit report agency ( Equifax ) XX/XX/XXXX starting at XXXX speaking with rep. XXXX . Informed her that I received notice on XX/XX/XXXX that information on my annual free annual credit report form did not match information they have on file. Gave XXXX SS # /DOB/address. Also informed her that I received report XXXX with no problem. She put me on hold to see if she could access my report ( XXXX-XXXX approx ). Came back to say that she needed more verification that I was me - asked if I had report from XXXX, & was there a bankruptcy or credit card incident in my report. Verified that there was bankruptcy and gave date of initial filing ( XX/XX/XXXX ) and court judgement discharge ( XX/XX/XXXX ). XXXX then said to further verify identification that she needed bank & creditor filing amounts, I said I would not give that info since she should not need it, but did give Case ID # ( XXXX ) as listed on XXXX report. XXXX said she did not need that, but would need bank & creditor information. This to me was too excessive and invasive. At this point I stated that I would report this because it was not working for me. I am thinking that she was looking at my report throughout. Call ended by me at XXXX approx. 

XX/XX/XXXX ( XXXX ) Logged on XXXX to try accessing report that way. After entering info could not connect to step 2. 

Unfortunately, had problem with XXXX as well ( " The Social Security number you gave us does not match the identification information in our database. " ). Per prompts, that say they try to identify the caller ahead of time, I gave SS # /4 digit address/DOB. 
But try as I did ( XX/XX/XXXX XXXX ) ; XX/XX/XXXX XXXX-XXXX ; XXXX-XXXX ) to try to get through to a 'person ' NO LUCK! 

Was able to resolve issue with XXXX ( " Unable to Locate Credit Report '' ) XX/XX/XXXX XXXX approx. speaking with XXXX, also gave identifying info, put me on hold to see if she could access report. XXXX-XXXX ). Accessed report and will be sending it me. Hopefully. 

Realize and appreciate the need to verify identity. Know each reporting agency wants their own clearance, but some oversight in what can be asked as way of identification should be in place. This MY information and if this is an indication of " the big three reporting agencies '' I am indeed troubled. No one wants their intimate information readily available anyway, but to have to entrust the data to outside sources needs to be put on a higher plateau than this!
Product: Debt collection

As of XX/XX/2020, I have sent monthly letters to JPMCB asking them to provide that those accounts are indeed mine. All letters are attached to this complaint. I have not received anything from that JPMCB  to justify their collecting attempts and reporting it on all three credit bureaus. Where in their comments on my credit report they stated " meets FCRA 611 ( 15 U.S.C. 1681I ) requirements ''. I sent out letters pertaining to these account they are reporting to the credit bureaus and in no WAY are they are " MEETING FCRA REQUIREMENTS ''. I asked for verification and I have received nothing. Per FCRA requirements, if I am not supplied with the evidence after 30 days THOSE ITEMS WILL BE DELETED FROM ALL THREE CREDIT BURUREAS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In order to REMIND the TransUnion Credit Bureau that there has been no involvement from a third party, I am emailing them this complaint. My private or sensitive information can not be used by them to legally contact third parties for any reason. Fraud is defined as the absence of consent. The false information listed below is affecting my ability to build credit. I demand that TRANSUNION BUREAU MUST DO THEIR JOB PROPERLY and immediate removal of these fraudulent items. XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX, NY XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$6200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00}.
Product: Student loan

On XX/XX/23 my check in the amount of {$3600.00} to pay off my student loans in full was cashed. However, my account was never credited. In the month of XXXX I called Mohela multiple times, sent several messages through the portal and uploaded a copy of the cleared check twice. After requesting to know who would be handling my issue I was told by a senior rep that he will forward my information to accounting. He stated he has no idea when or how I will hear back from them and that is all the information he can give me. He refused to take my check number or amount to pass along to accounting. This was XXXX weeks ago and I still have not been able to get in touch with anyone who can investigate and find my missing money. I am currently still being charged for my full balance. Today, XX/XX/23 I spoke to a rep at Mohela again and was told he has no idea when or if my issue will be resolved or even if anyone will be in contact with me to inform me of it.
Product: Credit reporting or other personal consumer reports

Obtained TransUnion credit report and noticed fraudulent account 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 or prepaid card

On  XXXX   XXXX ,    2017  I saw a charge come through for {$59.00} that was taken by this company called  XXXX   XXXX . They stated that it was for insurance on a card. I informed them that I did not make that purchase and they wanted me to fill out this form and send back the card. I told them how can i do that if i dont have the card. So I went to my prepaid card company and they told me that I would have to send in a letter stating what happened in 10 days. I sent the letter but they stated that they didnt get it. Then I sent it in again and by this time it was after the 10 days so they stated that they wouldnt be able to issue a courtesy credit. They stated that they would just go ahead and dispute with the merchant. So they did and the long wait began. I was told that they gave them until  XXXX   XXXX  to respond and it was only  XXXX . I was very upset because im unemployed and have no other income coming in. I called alot to check on the status and every time i called it was a different story. So i wanted to cancel that dispute and put it in again just to get the courtesy. T his one representative told me that I can do it. SO when it was time for me to cancel the dispu te i was told that i couldnt and that it would be no guarantees that I would get the courtesy. So i told them to just leave it alone. I checked my account  XXXX  and the m oney was there but they took it right back. Its been one thinn g after the next. So  XXXX   XXXX  comes and they tell me to refax the written statement that they originally wanted. And today I was told that the merchant have until  XXXX   XXXX  to respond.
Product: Vehicle loan or lease

I have called Ally Financial. They said my account is behind when I was told by the person paying on the loan was up to date. This issue has dropped my score 150 points. Im unfuriated this has come to my attention right before I try to buy my own house. If this can be resolved, please I would greatly appreciate it. Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are alledge charge offs on my credit report that I do not recognize. Pursuant FCRA 611 ( a ) [ 15 usc1681 i ( a ) ] I am demanding the removal of these items. 

XXXX XXXX XXXX XXXX XXXX XXXX account number xxxxxxxxxxxxxxxxx XXXX XXXX XXXX
Product: Checking or savings account

I will be filing a Federal lawsuit aganist Bank of America.Bank of America sales practices are unethical and very unprofessional.I will be getting 50 natorized letters from current and former Bank of America to present as evidence to the Federal Judge. 

They charged my account off in XXXX.They never investigated the fraudulent activity done on my account, So my best option is pay the {$400.00} filing fee for Federal Court and file a lawsuit and subpeona all documents and those who handled my account.I will also subpeona phone calls and all documents pertaining to my account.

I want to be able to pay the {$190.00} and have it removed from XXXX XXXXXXXX.I will be contacting XXXX XXXX with police report for the fraudulent activity.I will also include chex system in the lawsuit.I will include XXXX. XXXX and Mrs XXXX from Bank of America in the lawsuit and subpeonas.I am not playing with Bank of America.If Bank of America would have investigated the fraudulent activity.I would have paid off my account.After the investigation of the fraudulent activity.I wanted the fraudulent investigated and the fees waived/credit.Then I would have paid off the account and my account would have been still open.
Product: Vehicle loan or lease

GM financial has commit fraud. I have submitted a pay off of my loan for well over the amount i owed just in case they added on additional fees. They accepted my payoff but never gave me credit and then repossessed my vehicle for non payment. 
they will not return my vehicle or my payment to me. this payment was sent to the ceo of the company and was never returned or credited. I have submitted a notice of dishonor to the ceo via XXXX XXXX Priority mail express along with a bankers affidavit and a fee schedule. I wil also be submitting a 3949-A to the IRS for organized crime, public and political corruption, false/ altered documents, unreported income,
Product: Debt collection

I sent a cease and desist letter to LVNV funding LLC and they acknowledged that they did receive the letter however they have sold the debt to a new collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Montana XXXX when I contact a credit control they have no knowledge of the cease and desist however when I contacted XXXX funding they could not speak with me regarding the matter because of the cease and desist letter this was a an account that my deceased husband had and they are trying to collect it from me because we were both on the debt however this debt is very very old it has not been valid since probably XXXX which is why I asked them to stop contacting me they are now continuing to contact me and I want something done