23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX, XXXX XXXX  attempted to collect money after the termination of our lease. Under XXXX  tenancy laws, we were not required to pay as XXXX failed to provide an estimate of charges during the pre-move-out inspection and did not provide the legally required documentation of charges within the specified timeframe. After disputing this matter with XXXX management via email for approximately a week, they stopped responding entirely. 

In XX/XX/XXXX, XXXX XXXX XXXX began attempting to collect on this debt. The amount they were pursuing was highly inflated and included illegitimate extra charges. At that time, we contacted XXXX current management via phone and email, once again requesting the required documentation for this debt. They claimed to have sent the ledger to the collector, but failed to provide it or any other documentation to us, and once again ceased communication. We also contacted XXXX XXXX  by phone, explained that the debt was invalid, and requested documentation supporting their claim. XXXX XXXX  failed to provide the requested information and continued their collection efforts, albeit at a now reduced amount. 

In XX/XX/XXXX, after receiving another mailed notice from XXXX XXXX, I submitted a formal email as per the instructions in their letter. In the email, I detailed why the debt was invalid and attached documentation to support my position. I also requested documentation from XXXX XXXX  validating the debt. They have never responded via phone, email, or mail, and have never provided a single piece of documentation regarding this debt. 

Now, in XX/XX/XXXX, this invalid debt has been reported to credit bureaus and is damaging our credit. Additionally, I am now receiving renewed phone calls from XXXX XXXX  regarding the same debt. 

I have all written communications referenced in this complaint and can provide them upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. XXXX XXXX XXXX XXXX has failed to report accurate information on my credit report impacting my overall credit score and ability to get a job. Multiple times I have contacted XXXX XXXX and Experian to verify the accuracy of the account being reported and they have stated that the information being reported is accurate. In 2019 I received a Cancellation of debt for 1099-C for the amount of debt discharge of {$6900.00}. XXXX XXXX  reports on Experian a total balance of {$8400.00}. 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, also states a consumer reporting agency can not furnish a account without my written instruction. Experian has failed to do a proper and accurate investigation and has validated the accuracy of an account that is not accurate
Product: Debt collection

Hello, I was contacted last week by a woman named XXXX XXXX claiming to be with Capital One and XXXX XXXX XXXX XXXX. She stated I was added to a Capital One account which had my sisters name and my moms name on it. She stated my social security number, drivers license number, address, and birthdate. She then told me my income is XXXX and it is being garnished due to nonpayment of the open and delinquent Capital One card that was established in XX/XX/XXXX. I have never owned or used a Capital One Card. This woman had all my information and took {$200.00} from my bank to pay Capital one in order to avoid a garnishment on my only income. 
On another note, My sister came to my house during XXXX and stole all my mail when I was in Colorado. My sister does have a Capital One account ... The woman who called me is supposed to call me last week just called me back again to threaten my income garnishment because I disputed the transaction with my bank. Her name is Ms. XXXX. Her number is ( XXXX XXXX XXXX extension XXXX. 
She also called me from ( XXXX XXXX XXXX. Please help me. My bank has frozen my account so she doesnt try anything else I have called XXXX  and XXXX  to block my social security number and credit. I also downloaded XXXX and it flagged her number as Spam after we had spoken.
Product: Student loan

I have contacted FEDLOAN on numerous occasions regarding receiving a monthly payment reduction. I was told that it could not be done and then was given a slight deduction that was still above what I expressed that I could afford. I have tried to work with this servicer for 2 years to no avail but now receiving threats of default when I tried to resolve the problem.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX  Account Number : [ XXXX ] Disputed Information : there are inconsistencies among the three credit bureaus regarding the reported balance, date of last activity, closed date, credit remarks, and last payment. Furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior.

Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false informat
ion, which has negatively impacted my creditworthiness.

In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX Account : XXXX XXXX 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 an account without my written instructions.

15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccurancies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ive tried a few times to correct this problem the fair credit act states that they need to provide me proof to these inquirys and have not got a thing i want to see proof of my signature and every thing else in regards to these inquirys if they cant provide my signature they need to get those inquirys off my credit report
Product: Student loan

I have been paying on a student loan to Wells Fargo that was purchased from Wachovia Bank over 13 years ago. I am co signor. My son XXXX XXXX is the student. He states that a few years ago, he got a buyout on loans from XXXX and paid them off. He contests that the Wells Fargo loan is or is partially bogus. I am co signor so I was not aware of any settlement. I am trying to buy a house and these are on my credit report, FOR YEARS, even though I have been paying {$200.00} month. I have spoken to XXXX over the years but never got any information about the loan until recently. He said Wells Fargo would accept XXXX for settlement and I was going to use my XXXX club to pay it, but now I 'm not sure that I ever owed this amount and I have been paying on it for years. We had a fraudulent dealing with our local Wachovia Bank in XXXX PA and think this is a case of fraudulent billing. XXXX said something about interest and compounding on a loan. At any rate, I would like this investigated. Having this on my credit report for years has hampered my ability to do anything, and I have been paying on it for years, never late. Please advise ASAP.
Product: Checking or savings account

I have ( 2 ) monthly reacurring charges from XXXX XXXX University ( XXXX ) in the amount of {$25.00} and XXXX XXXX in the amount of {$17.00}. On XX/XX/2018 the charge for {$25.00} from XXXX XXXX University posted to the account making the account negative - {$23.00}. I made a deposit to my account in the amount of {$50.00} on XX/XX/2018 at XXXX CST at a PNC ATM at XXXX XXXX XXXX XXXX, IL and found it strange that the {$50.00} didnt become available in my account immediately. I didnt think anything of it at the time because I normally dont have any issues with making deposits at the ATM. The next day I checked my account and noticed I was charged a {$36.00} NSF ( Returned Item Fee ). I reached out to PNC and expressed my concern in a very professional manner and explained to not only 1 representative but 2 and not only 1 supervisor but 2 that I made the deposit to secure the funds in my account and cover the {$25.00} charge on the same day the charge posted to my  account and was still charged a {$36.00} NSF fee larger than then my actual charge of {$25.00}. 
I think thats highway robbery and shouldnt be legal and very unfair to your customers and a bad business practice. Not only did I deposit the funds the same day and still got a fee I experienced horrible customer service ... .from 2 supervisors on your Money Management Team and only 1 representative I spoke with named XXXX was empathetic, friendly and understanding. I appreciated that because the 2 supervisors were in my opinion dry, very condescending, unprofessional and not empathetic at all to my situation and never tried to resolve the simple issue but, they represent PNC in a management position ... thats horrible and disappointing. Instead of amicably resolving the issue your ( 2 ) managers quickly shut down any option to resolve or descalate the issue but instead provided contact information to file a compliant and stated they were the highest level and refused any other assistance .... thats horrible customer service from management level ... and to say it was not a bank error and the deposit was made 11 minutes after cutoff so, unfortunately me being a customer with PNC doesnt matter and a courtesy couldnt be extended. 
This fee has caused a snowball effect causing not only for me to pay a fee to PNC but, to pay a fee to XXXX XXXX University because the {$25.00} was returned although I made a deposit to my account to cover the funds in my account. I am contemplating closing my account because this was a very disappointing and horrible experience and Im very shocked at the way your selection of management handled this situation. Instead of making things right and showing value to your customer they handled it in a very unprofessional manner and caused your customer more harm financially.
Product: Mortgage

I was applying for a Laon modification thru XXXX, and the mortgage company told us that the propety was on foreclosure sell since XXXX/XXXX/2016. Which I was not notify about the action Being taken. I was not notified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have held a bimonthly autopayment of my mortgage on XXXX XXXX XXXX XXXX, XXXX, ga XXXX. I retired from federal service XX/XX/XXXX and moved to XXXX, ca in XX/XX/XXXX. During the 8-10 years that I held a mortgage with XXXX XXXX my payment record was exemplary. My house in XXXX was rented. In XXXX XXXX apparently one of the autopayment failed. XXXX XXXX did not notify me immediately so I could correct the error in a timely manner. Instead they suspended the autopay and I was advised in XX/XX/XXXX that my payment was in arrears for 3 payments. I wrote to the customer service portal asking for the reason why the autopay was stopped and how I could reinstate it. Phone based enquiries leave me on hold for a long time and then disconnect. I chose to use the message board in order to have a trail to enable someone to help me. In fact, I realized that the messages are not reaching a billing agent but a third party call center. The problem of miscommunication, crossed messages, resulted in me submitting payments based on the most recent communication with the XXXX XXXX representative which were returned to be as insufficient since the time passing has increased the amount due. I tried to explain as much as possible but all I got was how in one month I was behind on payment. There was no recognition that for 8 years or more I had a spotless record of payment and I deserved the courtesy of a human interaction for a conversation on the resolution of this issue. The report of poor mortgage payment has directly prevented me from purchasing a home in XXXX, CA. I am XXXX XXXX old been through extremely difficult time since my move to XXXX and all I want is a roof above my head during the last years of my life that I can call my own. XXXX XXXX XXXX actions are unconscionable and inhuman. i m hoping that the report to the credit bureaus will be removed permanently and clear the way for me to obtain a mortgage on my last home. Thank you.
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three XXXX, Transunion, XXXX, and XXXX.
Product: Credit card or prepaid card

I have been requesting my prepaid payroll card from XXXX XXXX  They charged me 3 times to get my card shipped out and they sent it to my employer instead of me. I asked my employer did they receive my card and they told me they haven't. I requested that my card be sent to my home address at XXXX XXXX XXXX XXXX XXXX XXXX Washington D.CXXXX They sent my card to XXXX XXXX md according to the XXXX website. When I requested my card again they continue to hang up on me and they never sent my card. I have a balance of {$750.00}. I previously had {$850.00} before they started charging me shipping fees and did not send my card. I am requesting that they issue me out a check and send it to my home address and cancel and close the account. If they can't do that I am requesting that they issue me another card and send it to my home address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported Transunion to the office of my attorney generals office : XXXX XXXX, as my rights under the FCRA 2009 have been violated by this consumer reporting agencies, I have absolutely no idea what these Inquirys are, I have never opened applied for any account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts In my previous CFPB report to XXXX  it was claimed that they had sent the information to the credit issuers in question that I sent a FEDERAL AFFIDAVIT The Federal Law as explained to me by my Attorney Generals office is that ; Section605B ( a ) requires CRAs to block the reporting of any information that the consumer identifes as information that resulted from an alleged identity theft, within 4 business days. The fraudulent inquirys that I am requesting be blocked & deleted and asking Transunion to cease and desist reporting are., I have NEVER APPLIED for ANY PRODUCT from these creditors, please delete these inquiries as I have never applied. The inquiries are : XXXX XXXX Inquiry from XX/XX/XXXX. 
XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX These inquiries are fraudulent and I am requesting block to these inquiries under the FCRA 2009 605 ( b ) ( 2 ).

I have filed the FTC IDENTITY THEFT FRAUD AFFIDAVIT, please cease and desist all reporting these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX  XXXX Balance : {$370.00} XXXX XXXX XXXX XXXXXXXX Balance : {$550.00} XXXX XXXX Balance : {$300.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan that I was approved for on the spot. I was told to sign and was not given any time to read over the paper work, that was several pages long. I was given money and when it came time to pay it was an amount considerably higher than what I borrowed, when I called to work it out with Rapid Cash they told me I signed so I have to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

For over 2 years TransUnion have been reporting a Bankruptcy on my credit report that is not 100 % accurate. Every time I dispute the incorrect information it comes back verified even though I provide proof of the incorrect information and they saying it come back correct because the social is correct. so i went to XXXX and now it has been deleted from XXXX. I ask TransUnion to remove this Bankruptcy since XXXX is no longer publishing it and Transunion is violate my right by not deleting it and still reporting on my credit. 
I am not disputing the Bankruptcy but disputing is not 100 % accurate. 
I have also ask Transunion to disclose who they verify that information from so I can take the appropriate action.
Product: Debt collection

This debt should not even be listed, it has been at least 8 years, I have requested validation and received nothing. I have disputed and received nothing. Please help assist
Product: Credit card

On XX/XX/XXXX, I applied for and was approved for the HSBC Premier Elite credit card. Around XX/XX/XXXX, HSBC Fraud Prevention placed a block on this card pending investigation. This block was, unfortunately, never lifted and on XX/XX/XXXX, HSBC exercised their right to close my deposit account and credit card. 

The bank has confiscated the {$490.00} annual fee billed to my account just XXXX day prior to the restriction, as well as the XXXX unredeemed rewards points. The HSBC website advertises that these points are worth XXXX cents each, for a total of {$3200.00}.
Product: Debt collection

Tried to contact attorney on file, I even thought at one point that maybe my sister opened this account illegally on me and I offered to pay however they never returned my correspondence. I just keep getting pre recorded messages that I need to contact them about an urgent legal matter with no option to push to speak to someone. Then I got notice to go to small claims court from another company but with the same credit card but it was the week after the holidays so I was n't able to make it to let the judge know this was n't mine so a judgment was made. Now I am being told I must pay over {$900.00} plus daily interest and appear in court next month or face a warrant. On the court documents there is no account info, no identification information other than a name and address and when I apply for credit I always use my middle initial unless it 's a store card because you are there and they use your photo identification for that.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous requests regarding the deletion of fraudulent items from my credit report. Despite multiple attempts to address this issue, the fraudulent entries persist, and I am growing increasingly concerned about the impact they may have on my financial standing. 

As outlined in my previous correspondences, I have provided extensive evidence to support the fraudulent nature of these items. However, it appears that the necessary actions to remove them from my credit report have not yet been taken. 

I understand the complexity involved in investigating and resolving such matters, but it is crucial that these fraudulent items are promptly removed to ensure the accuracy of my credit report. The presence of inaccurate information could have serious repercussions on my ability to access credit and financial opportunities. With this, I am asking for your assistance to remove these fraud items in my credit file : 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