23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My Husband and I lived in these apartments back in 2013 and when we went to move out, My husband verbally told an office employee and he was told that she would put in the paperwork and begin move out process. We had 60 days. When we came to hand in some things to the office, the manager said she never received anything from the other worker that we were moving out. That was around 35 days we were supposed to move and we already had a house to move into. Well, She told us that it was ok that mistakes are made and she understood. Then we get a bill from a collection agency that we owe two months rent for breaking our lease. We absolutely did NOT break our lease. Not that this would matter, but this manager has done this to others we have know in that apartment complex. This is now a negative remark on our credit and a debt over XXXX that we do not owe. That company has always been very suspicious to us when we lived there. Everything that we requested while living there was always verbal, never had to fill things out. We should no AT ALL owe this. Very unfair and it needs to come off our credit. I have also disputed this with credit companies as well and nothing ever happens. I am aware that there was a blind broken and a hole that i believe they added to that bill, and i will be more that willing to pay for those.
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$640.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have loan with XXXX XXXX XXXX  in my home XXXX XXXX XXXX XXXX fl. loan number XXXX t am current on the payment. due to covid panic in the beginning i was out of work without pay check. i was few days behind in XXXX and XX/XX/2020. MY CREDIT SCORE WAS XXXX. DUE TO THIS LATE REPORT MY SCORE DROP TO XXXX. 
I Am in the market to buy a home now. due to this late report i can't get loan approve. The Du come as REFER/ELIGIBLE.Please advise XXXX to remove this 30 day late reporting. I ATTACHED THE DU REFER/ELIGIBLE
Product: Checking or savings account

I opened an online savings account at Chase.com. Chase opened the account, and then instructed me to fund the account with {$10000.00}. I set up the ACH on the Chase.com website. Chase sent me a letter telling me that they had denied the transfer. I was instructed to call Chase. I called Chase at the number listed in the letter. The agent was unable to tell me why they had denied the ACH transfer. I asked the agent if there was some type of fraud involved. He said he couldn't tell me. Something fishy is going on at Chase.
Product: Checking or savings account

I have been a chase customer had a checking account for 10 years plus. Never had any major issues. Last week I deposited a check that someone gave me for XXXX. Apparently the check was bad I had no idea. I went to my bank to get money on a Wednesday where I was told my account was suspended. I then proceeded to call my bank when I got home because my baby was in car at time of bank visit and I couldnt go in. I was assured once check was returned from payee bank my account would go back to normal and be unrestricted. Until then I could not make any transactions. So I waited. Check was return next day of course I was charged a fee but I was relieved thought all would be ok. Friday comes and my direct deposit isnt in my account from my employer and I couldnt log in to account. I then call bank immediately where I am told they closed my account but again assured me I could go to local branch and open a new account which I did everything again seemed fine. I got all the necessary paperwork to my employer for new direct deposit, I changed all our accounts online for automatic payments, I had checks to dr.s, etc out there before this happened the banker who helped me was awesome she pushed them through so they would not bounce. Everything seemed fine over weekend come Tuesday again account restricted and find out now Chase has closed that account and I can not open a new one after being told before I could. 
Its frustrating again a loyal customer had a checking account for over 10 years, my husband has personal and business accounts there. I understand originally they were protecting me and maybe themselves from the bad check and any negative activity that could come. But again I had no idea it was bad and of course just as annoyed probably more do than them. I would think after having an account that long being a good customer and wanting to keep my business with them they would look out better for their customers especially after I was told on 2 occasions and assured my account wouldnt close and after it did that I could open a new one. The banker at the local branch who helped me was awesome. She went above and beyond even called the department I guess that closed it or would have had info and demanded they fix and even said you have a recording of where you told her to open a new account. I love everything about chase up until now and really want to keep my checking account with them. Hoping by getting to tell my side maybe someone high enough up in chase will care about its customers even the small ones to keep them and reopen account. I shouldnt be penalized for others mistakes.
Product: Credit reporting or other personal consumer reports

ACCOUNT NAME : XXXX. This company is in direct violation of the FCRA with the inaccurate information being furnished to the credit bureaus. This company does NOT have my consent to furnish these accounts to any third party or credit bureau. This account has many inaccuracies including ; original balances not matching, there is NO account number listed, the account type listed does not match on any of the credit bureaus. I want this account removed immediately!
Product: Debt collection

Hello, 1 ) On XX/XX/2018, I gave written notice to XXXX XXXX XXXX in XXXX, MD to immediately cancel my membership with the club. In XXXX, I began getting contacted on an almost daily basis by XXXX XXXX XXXX saying that my {$81.00} membership fee for XXXX was past due. I contacted XXXX XXXX XXXX in XXXX and was told that even though I cancelled my membership in XXXX, I still owed the {$81.00} membership fee for XXXX because of a 10-day notice clause they said existed in the contract. 

2 ) On XX/XX/2018, I mailed an {$81.00} check ( # XXXX from my XXXX XXXX XXXX account ) to XXXX XXXX and included the billing notice they had mailed me about the membership fee. I also noted that I had cancelled my membership in XXXX and stated this was the final payment for my cancelled membership as paying the XXXX satisfied the alleged 10-day cancellation clause. 

3 ) This check was cashed by XXXX XXXX on XX/XX/2018, with the following notation stamped on the back of the check : XX/XX/2018 - XXXX - XXXX For Deposit Only XXXX XXXX XXXX 4 ) After the XX/XX/2018, cashing of the check by XXXX XXXX I responded to yet another mailed billing statement from XXXX XXXX with a notation that I have already paid the {$81.00} bill and the check had been cashed. 

5 ) However, XXXX XXXX continues to call me with recorded messages on my cell phone and home phone and continues to mail written billing statements on behalf of XXXX XXXX to my house demanding that I pay the original {$81.00} bill. 

I would be happy to provide you with copies of the check payment of {$81.00}, a copy of the cashed check with the deposit information for XXXX XXXX, and copies of the continued billing statements they send me. 

Thank you for whatever assistance you can provide to put a halt to this continued harassment at my home by XXXX XXXX and XXXX XXXX XXXX. 

Best, XXXX XXXX
Product: Mortgage

late payments on mortgage XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX we have had a modification that brought us current from XX/XX/XXXX-XX/XX/XXXXtrail period. 
the first payment for our new modification was for XX/XX/XXXX. everything is on time. 
we ask that the old late payments for the other loan, should be removed from the credit, there are no reason these should be on the credit with a modification. please consider the new loan mod. to be moving forward. these late payments are a year old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing a complaint in regards To the three credit bureaus XXXX, XXXX and XXXX XXXX. 
I am also writing this complaint in regards to the companies XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN. Im having a hard time getting my information verified or deleted and under the fair credit reporting act, 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. To verify they have to have proof of an original signed contract otherwise they have no authority to report this on my credit report. I have yet to receive any signed documents that they can verify. Ive sent out two letters to dispute this information and Both times all three credit bureaus verified it. After my first round of dispute letters I received a package in the mail from ENHANCED RECOVERY COMPAN in regards to my dispute and I know thats not allowed. XXXX XXXX deleted one of my accounts but the other two bureaus updated it and I dont understand how thats possible when its already deleted. I would like to ask XXXX XXXX XXXX XXXX and ENHANCED RECOVERY COMPAN to stop reporting this immediately because they can not verify the information and the three credit Bureaus to delete this from my credit report because this is really hurting my credit score.
Product: Money transfer, virtual currency, or money service

Message : Hello! I am bringing to your attention my case against coinbase.Basicaly i have both wallet and main account with them.I hold some cryptocurecies with them witch i hope of some profit later in the years to come.Reason i have contacted you is because i transfered some funds from my coinbase wallet to my coinbase main account and the money never reached my account and my wallet is empty ( had an error due to some sort if miner fee, and after the coinbase customer support advise to unistall and install the app again the funds gone missing ) I tried to contact coinbase and they gave me a ticket number but instead of giving me my money back they refused to respond my emails.Please find bellow the case refference number from coinbase : Case # XXXX - transferring funds from Coinbase wallet to Coinbase I belive you are the most appropiate institution to speak in order to get my funds back! 
Thank you for your time reading this, and looking forward to your reply!
Product: Credit reporting or other personal consumer reports

I am a victim of the equifax data breach, my personal information was exposed. I am a victim of identity theft pursuant to 18 USC 1028A. The credit reporting agencies are in violation of 15 USC 1681, my right to privacy.
Product: Debt collection

I applied for an auto loan in XX/XX/XXXX, with my credit union. I was told by the credit union that I had a collection on my credit report. I reviewed my credit report with two of the three credit bureaus. I was unable to get an online copy of my credit report from XXXX. I was able to get a copy of my XXXX  and Experian credit reports ; there was a collection from XXXX XXXX XXXX. 

In XX/XX/XXXX, I filed a dispute with both XXXX  and Experian credit bureaus with a copy of the payment. 

In XXXX, I sent XXXX XXXX XXXX a copy of the payment paid to University XXXX XXXX XXXX back in XXXX after they contacted. 

XXXX  removed the collection from my credit report in XX/XX/XXXX. Experian has refused to remove this collection from my credit report. 

I have consistently been disputing this debt with Experian as being paid : XXXX XXXX XXXX University XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Experian decided that the collection was correct even after receiving proof of my payment. I have also called Experian customer service twice regarding this issue. I was promised a call from a supervisor which I never received. 

I paid the debt I owed the University XXXX XXXX XXXX in full XX/XX/XXXX. Yet, Experian has allowed XXXX XXXX XXXX to put this debt on my credit report as a collection in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized this company to run my credit.I need this inquiry removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted self multiple times I can never get the fraud department on the phone to even begin to handle this claim. this is not my credit builder account I've never used my my credit until now. My wallet was stolen & i had multiple accounts & I've had bills put in my name in city I've never lived in credit cards & loans all under my name using my info. I have proof of where I was living at the time this account with self was open. I have no knowledge of this company or never inquired for they service. All the accounts that were open around that time was not verified so how is self verifying I keep asking for proof of the investigation yet still nothing they are not responding. Ive asked for proof of the investigation plenty of time & was told at first I was not entitled to then it was they don't have it they just keeps coming up with excuses they saying they've been contacting me so I asked what number & email it wasn't even my phone number or email. they continue to hang up in my face I've provided everything they are committing violation violation violation all the inaccurate credit reporting is messing with my health. I HAVE DOCUMENTS BELOW MY DL OF MY HOME WHERE I WAS LIVING A BILL A POLICE REPORT ID AFFIDAVIT ALONG WITH IN THE INACCURATE CREDIT REPORTING. I
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting 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, XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXXXXXX, has violated my rights 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 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

this account has been placed on my credit report inaccurately XXXX XXXX XXXX XXXX XXXXXXXX after multiple times of me trying to get the agency to correct or delete the inaccurate information. this account has been closed and is well over XXXX XXXX XXXX.
Product: Checking or savings account

On XX/XX/2023 an order was placed to XXXX XXXX in the amount of {$1000.00}. After approximately 4 days of no order update I tried to call the merchant. There was no answer and the voicemail stated they do not discuss orders over the phone. I then sent a message through their online contact form. I received no response. I then sent a new message through their XXXX business page. They replied that they do not discuss orders through XXXX. So I used their contact form again but this time was a little more assertive and expressed my discontent. The company then canceled my order and returned only 80 % of the monies paid to them. They told my husband it is a fee kept due to my disgruntled email. They later added this clause to their return policy page. They provided no services whatsoever. It is theft. I have filed a dispute twice through our bank ; NBT Bank with being denied the claim both times as they say the policy is stated on the website which was not there until my husband contacted them about the refund being shorted. The company has no other contact information other than the phone number listed. I am thinking the company is potentially a scam and that they do this as a way to get money. NBT Bank should be protecting its consumers from problems like this. We have used NBT for all of our banking needs for many years and the service has been exceptional until this current issue.
Product: Credit reporting or other personal consumer reports

I sent XXXX letters to XXXX, Equifax and XXXX on the basis to investigate the reporting of XXXX accounts that had XXXX payments. 

I sent XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

All these times i received a letter from XXXX and XXXX that they didn't think the information was from myself even when i sent XXXX  forms of XXXX and still my XXXX don't seem to be getting attention.
Product: Debt collection

The Debt was with the Bank about 15 years ago for Business credit card where i lost business and everything after XXXX XX/XX/2011 with bad economy. i have made payments foe few years when i got dry out so couldn't make payments Bank write off the loan as a loss without filling 1099 A or 1099 C with IRS. write off/paid was internal and forgiven.15 years later Gothem Collection Services Corp make a move with XXXX XXXX XXXX XXXX XXXX , XXXX.got a judgment against me for {>= $1,000,000}. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, XXXX. don't have any written or verbal contract with me for that Debt, nor both above parties have any written contract with the Bank to collect any Alleged Debt. The both above parties have been harassing me for more then year they are in serious violations of FDCPA. Alleged violation have violate my Civil rights and Common Law rights.  Gotham Collection Services Corporation and XXXX XXXX XXXX XXXX XXXX, XXXX. should be punish by you Department and XXXX list for ever atleast in your Department.
Product: Checking or savings account

Upon opening my Bank Of America Online Portal to view my only account with BofA ( a credit card ) I realized there is other accounts a Checking XXXX and Savings XXXX that were fraudulently opened without my authorization or permission. I've attempted to call and ran into excessive, burdonsome, hold times of an hour without resolution. I was transferred to other departments where my call was dropped. I attempted to email Bank Of America as well but never received a response. I am aware that XXXX XXXX opened accounts in customers names without permission and think this could be that same situation with Bank Of America given their lack of interest in helping me. I also noticed a fraudulent email and phone number associated with these accounts that is not mine.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX WASHINGTON, DC XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX  XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XX/XX/2023