23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have mailed, faxed, and called both XXXX and Diversified Consultants multiple times regarding an account from XX/XX/XXXX and a collections reported in 2015 : 1. There was a FEMA disaster here in Colorado and this phone was lost in floods of XX/XX/XXXX. I have attached a letter from FEMA certifying this. 
2. I tried several failed times to pay XXXX through their Web site including the attached printouts and notes dated XX/XX/XXXX indicating my attempt to pay. After calls to Customer Care they indicated I should pay at an office. 
3. I did pay {$200.00} at XXXX/XXXX store on XX/XX/XXXX to pay off the balance due and I have attached my business XXXX credit card statement showing that payment. I never heard anything again for 6 months and had every reason to believe my account was paid and everything was fine. 
4. In early XX/XX/XXXX, I received a collection bill from Diversified Consultants. I called and spoke with a XXXX at Diversified Consultants XX/XX/XXXX. Even though he understood I had already paid and had proof of payment, he said that if I paid him directly AGAIN, the collection would be fully REMOVED and DELETED and NOT listed as in collections. I foolishly believed him and made a second payment to get my credit report cleared. I have the bill and my hand-written notes and the confirmation # XXXX as well as another XXXX credit card statement showing that {$230.00} payment made. 
5. On XX/XX/XXXX, I sent the previous attached letter requesting this correction. I followed through with a phone call on XX/XX/XXXX after speaking to supervisor XXXX ID # XXXX who said if I faxed proof of the original payment was made before it went to collections in XX/XX/XXXX to XXXX she would get this corrected. 
6. On XX/XX/XXXX, I sent another letter to both XXXX and Diverisified detailing above and requesting a response. No response ever received for any of the above.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. Therefore U.S. Bankruptcy XXXX XXXX  XXXX bankruptcy discharged Reference # : XXXX XXXX XXXX XXXX XXXX  Reference # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Bankruptcy XXXX XXXXdischarged Reference # : XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called leasing office and informed them of the smell and that I saw them enter the unit and assess the XXXX XXXX XXXXXX/XX/XXXX : I sent an email summarizing this and that I would be moving out XX/XX/XXXX : paid entire month of XXXX 's rent and attempted to schedule move-out inspections several times by email, phone, and voicemail. Came to office just before XXXX and dropped off flowers and a card with office staff thanking them for their efforts XX/XX/XXXX : completed move out inspection with assistant property manager who sent me the move-out inspection via XXXX  and was told by property manager and assistant property manager that they would try to release my unit in XXXX XX/XX/XXXX ( around that date ) : called and emailed by property manager/assistant property manager asking that I pay rent owed for XXXX. I explained that we completed the move-out inspection on XXXX and that I don't think rent is owed XX/XX/XXXX : Last email from XXXX XXXX after repeated attempts to resolve the dispute stating my account was closed and sent to collections. I cautioned this and made her/the property manager aware of intentionally reporting fraudulent debt claims. 

XX/XX/XXXX : Received enotice from XXXX XXXX, a debt collection agency for the amount stated by XXXX XXXX. 

XX/XX/XXXX : submitted dispute online w/ XXXX XXXX XXXX and have received no update or correspondence since then. 

I also submitted complaint to the office of the attorney general as instructed for multifamily residences ( not governmental aid-associated ) and response was something along the lines of they do not deal with this type of complaint ; ( they do in counties with population XXXX ) or any perils as a result including loss of productivity, emotional distress, relocation expenses, etc. 

Turns out, the entire state of TN has no tenant-focused attorneys willing to even meet with me. I wonder why? 

I also have reached out to XXXX law firms, paid twice for attorney referrals through the bar association ( they both went to the same firm, which denied me twice, thanks guys, be sure to keep my money, though! ), the office of legal aid ( denied, not at the right level of income to qualify ), legal clinics, attorney friends, attorneys out of state, and read as many self-help articles and journals I could find. 

I expect that if allowed, the debt collection agency may report this claim after XX/XX/XXXX, since I have received no updates on the status of my dispute and no correspondence from the rental property management. 

All of y'all should be ashamed of yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what or who the unknown XXXX XXXX XXXXXXXX is and I can not even get contact information for them. How is this possible? I pay all of my bills and I still have a low credit score! I think the credit rating system is a discriminator by race. It actually says " unknown ''
Product: Mortgage

I purchased a house in 2018 and took out a mortgage with PNC Bank. The property taxes on the house were due XX/XX/2018 and PNC did not pay them. I contacted PNC in XXXX and they said they had made a mistake and would pay them immediately. Today I found out they had not paid them. I called them again and they would not tell me when the overdue taxes would be paid or why they had not paid them. 
The loan number is XXXX. 
PNC 's telephone number is XXXX XXXX XXXX.
Product: Credit card

I am filing a complaint regarding an issue with XXXX, a credit card company owned by Continental Finance Company. 

On XX/XX/year>, I mailed a letter requesting to close my account and have the annual fee of {$150.00} refunded. On XX/XX/year>, I called XXXX and was informed that the annual fee would be reversed. However, I was also told that a late fee would remain on my account despite the fact that the only charge on the accountthe annual feeis being refunded. 

I believe this late fee is unwarranted, as it stems from an annual fee that is no longer valid. I have already reached out to XXXX, but they have refused to waive the late fee. 

I kindly request the CFPB 's assistance in resolving this matter and ensuring that this late fee is removed. Please let me know if further details or documentation are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently obtained a copy of my credit report and noticed that there is information reported inaccurately. I disputed these items : XXXX XXXX  XXXX, XXXX XXXX XXXX, Navy Federal XXXX Union XXXX. On XX/XX/2022 I mailed out dispute letters to XXXX, XXXX and XXXX stating all 3 of those items were incorrect and if not verified item needs to be deleted and removed. It has been XXXX days and I have not yet received any feed back from all the companies. I need all items to now be deleted and removed. I have been denied credit cards ( to help build my credit score ) a loan program for a home for my children and me. This inaccurate credit report has impacted my life negatively. This must be deleted and removed. Thank you.
Product: Checking or savings account

Hello, On XXXX XXXX I screens shotted from XXXXXXXX XXXX XXXX  a picture of a comedy show. He declined making fun and saying that he was not worth that much. The tickets were {$190.00} Keep in mind I " screnn shotted '' the event not clicking on the link AT ALL. 
The next day I received an email stating that the {$190.00} was used for these tickets, the transaction being done by my friend. He does NOT even have Venmo. I called him and told him what happened and so it begins. 
I contacted Venmo via phone and told them I DID NOt authorize this transaction and I would trust this friend with my life! They then put the money back temporarily two days later while they investigated. 
On XX/XX/XXXX, they got back to me DENYING my dispute. Thet stated that if I had any more information to back up my complaint to do so and the would be happy to take another look. 
I sent them EVERYTHING I had including pictures of the conversation starting with the screenshot of this event. 
They replied back on XX/XX/XXXX and denied it again for the second time. Again saying they would take another look and not to reply back to that email. 
Because I never authorized this transaction initially, I withdrew all of my money knowing they were going to take back what they gave. 
I tried opening a new account with new information because I do like Venmo for many reasons. But they somehow new it was me and eventually I made payments for the balance just so I could have this platform. 
Obviously I know I was hacked and think I have proof? The amount is different but on the same day it says that {$220.00} was a transaction against my account from someone in XXXX.I have never even been to XXXX! 
I did not want to stop there. I contacted the attorney generals office here in XXXX and they told me it was an FBI issue? I believe its the ICC which is internet crime complaint. Needless to say I never heard back so here I am still wondering where that money went with a negative resolution for me. 
In closing, I have all the documentation, names, numbers, transaction id 's and screenshots of this whole ordeal. I try to advocate for myslef the best way I can.I stopped because when I asked around, noone could help me until I contacted XXXX. 
I am hoping that you can help me resolve this issue. As a XXXX mom and a contributer to society, there has to be some justice when the situation calls for it. 

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report unidentified the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX filed for XXXX  XXXX bankruptcy. My husband and I had leased a car from them in XX/XX/XXXX. We were contacted in a few months by Westlake portfolio management about making payments on the lease. We requested information about the new contract with this company. We believe our agreement with the original company is violated and void because they no longer own the vehicle and lease. Westlake Portfolio management has failed to provide us with any information other than a billing portal and future payment schedule. They have provided a pay-off amount of around {$28000.00} for the minivan we have leased with a current XXXX XXXX XXXX value of {$5400.00}. The original contract states an early lease termination clause that does include associated fees. It does not state we would be required to pay the full amount due for the remainder of the original lease period. They have also repossessed our vehicle previously and moved it over to an auction house in a different state that we had to go retrieve, it cost us upwards of {$1500.00} to " Reinstate '' the loan and retrieve the vehicle. We were given no notice of warning of repossession and frequently are charged with additional taxes/fees. They fail to provide us with documentation with the terms for early termination and legal documentation to support the validity of the loan or billing amount. As this is a leased vehicle, we do not own the entirety of the debt that has been sold to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Applied for a credit card with Bank of America on XX/XX/XXXX and was denied. A few days ago I sent an email to the executive office asking for my application to be reconsidered. Today I received a call from a gentleman called XXXX. He said they would review my application again. I was asked to verified some of the financial information I had provided during the application and I did. XXXX said to hold for a few minutes while he took a look at the application. Immediately I received an alert from XXXX that my credit file had been accessed. Once XXXX came back to the line I asked why he pulled my XXXX  report and his response was " because once it has been more than 30 days from the original application we need a new report. '' Neither him or Bank of America had my consent to access my report. I was never asked for permission and I never verbally agreed to it. Application ID XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint regarding unknown inquires on my file. I have never applied for any account for business with the following companies : XXXX XXXX XXXX and XXXX XXXX XXXX. I do not have any of these financial products and I do not wish to have an account with these companies please delete them they are errors and I never signed any documents
Product: Debt collection

I never received any communication on this debt collection account until it appeared on my credit report. I have no knowledge of this account or where it came from. 

Vance & Huffman LLC XXXX Date Opened XX/XX/2022 {$880.00}
Product: Credit reporting or other personal consumer reports

On or around XX/XX/year>, I was approved and received a loan from the U S Small Business Administration the amount of {$4400.00}. The loan was paid off in full via wage garnishment. I made several attempts in contacting the agency but to avail regarding removing negative reporting to all three credit bureaus. Moreover, as of XXXX XXXX the agency is reporting charged off as bad debt. Profit and loss write-off.
Product: Debt collection

I have a false Derogatory mark on my credit file from Portfolio Recovery on XX/XX/2015 saying I owe XXXX from XXXX XXXX. I did business with XXXX  years back and paid them the FULL AMOUNT owed. I never authorized any of this. I asked them to show me a written documentation where I signed anything with them or any other company that they might be Involved with since I know I paid XXXX In full so if any other payments were made it was fraud and not authorized by me. I would like this off my credit as soon as possible due to the fact they have inaccurate information.
Product: Mortgage

For 2 1/2 years , OCWEN has put my mortgage payments in different accounts, and then says I have n't paid. Starts giving me late charges and dings my credit. The latest issue, OCWEN has suspended 2 payments. OCWEN has cashed my payments but did n't apply them to my account. I have spent hours going over this issue with different representatives. Each time, said representative sees my payments and says they will get back to me, to no avail. I am paid in full, OCWEN has cashed all my payments.
Product: Credit reporting or other personal consumer reports

I am filing This CFPB complaint to report two separate accounts appearing as delinquent on my consumer XXXX credit report and Equifax credit file which I do not recognize as reported. I demand that these inaccurate accounts be removed from under my credit Profile reports XXXX XXXX XXXX Account # XXXX Open date Account # XXXX Open date XX/XX/year> and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to CORRECT THE ACCOUNT AND DELETE ALL INQUIRIES ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXL Date of inquiry XXXX XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Debt collection

I went to the emergency room on XXXX XXXX, XXXX. The hospital has released all of the amount charged via their internal program to waiver fees due to my circumstance. An emergency room doctor/team member billed me separately and decided to sell my information to collections. 

I have continued to receive debt collection calls via robocalls daily from " Credence '' during work at least 3 times daily since XX/XX/XXXX. When I answer, I hear dead air then a recording that says this call is being recorded... When I wait for someone to speak with, they barely speak English and can not discuss " details '' of the call. 

In XX/XX/XXXX, I asked them to stop calling because I am at work. It is now XX/XX/XXXX and I still receive robocalls from this company consistently. How do I resolve this matter?
Product: Credit reporting or other personal consumer reports

NEW REZ-SHELL POINT is reporting late payments for account number XXXX and have failed to provide proof of late payments. 
XXXX : XX/XX/XXXX : XXXX, XXXX, XXXX, XX/XX/XXXX : XXXX, XXXX I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. 

It is an unfair act for late payments to be reported. It is a violation of the law, invasion on privacy, Pursuant to 16 CFR 444.4 an Unfair act of practice Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law. 
Who did you speak to? 
My finger prints? 
Original contract? 
License number? 
Wet ink signature? 
Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the original contract. It is alleged debt until it can be proven. With no supporting evidence it must come off the report. 

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Checking or savings account

I opened a bank account with Bank of America and one day I randomly got locked out of my mobile banking. Got on the phone with the bank but they told me by the time the wait was over was informed by a representative on the phone that they would be closing the account. I eventually find out that my account was linked to somebodys elses account and apparently XXXX XXXX  was withdrawn from his account to my account but no money was taken or anything like make it make sense. I have asked early warning services to have Bank of America remove this account expeditiously. The guy is somebody in Florida who Ive never met a day in my life and he would have to sign off on a transaction like that which would be impossible so clearly somebody was impersonating us or had our identities as far as IDs because I didnt know who that was until talking to a representative and doing a XXXX search. I demand Bank of America remove this account from XXXX XXXX and XXXX immediately.
Product: Consumer Loan

First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. 

Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.
Product: Credit card or prepaid card

I opened a credit line with carters ( XXXX XXXX XXXX XXXX from Comenity Capital Bank ) Ive tried calling them 50 times to make a payment and their phone service is down, it keeps telling me that they are close due to out of control reasons to try to call at another time, Ive tried creating an account to make a payment and it asks me for my credit card number that Ive never received, Ive tried sending a message to their center and it asks me to sign in and in order to sign in I need to have my credit card number which Ive never received, my payment was due XX/XX/XXXX and its late showing in my credit report now, I need this account erased from my credit report and I need XXXX company to solve this ASAP