23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year> I received a letter from XXXX XXXX - XXXX or was known as XXXX XXXX XXXX XXXXXXXX with a bill and there was a charge on the there that was for {$2000.00} a balance forward with no explanation as to what this was for. I then called them the day after I received this to find out what this was for my rent was always paid on time and never past the grace period of being late. I was on a month to month basis I was not on a lease and I tried to let them know that I was moving out XXXX XXXX and they did not provide me a bill or what I owed. I notified them the XXXX of XXXX that I was moving out and I talked to them throughout the month of XXXX several times and they were fully aware that I was leaving and never gave me a bill. They are trying to charge me for a balance forward that i was never aware of. They are under an investigation for numerous complaints and are involved in fraudulent activity and they tried to get me to forge signatures and dates that I was not about to do. They broke their lease and maintenance was breaking into my apartment unannounced on many occasions and them trying to get me to sign things that I didn't want to sign and breaking their agreements lead to me moving out and I did give them notice and they didn't provide with with a bill of what I owed. It wasn't until XXXX that i got this mysterious bill and they had no explanation and they said " i dont know what this is for ''. They would not fix anything that was broke due to them renovating and they didn't care. They had construction workers harassing tenets and then they damaged my car with their roof renovations and the XXXX XXXX did nothing to make it right. They tried to tow my car even though it was fully registered and insured, it was unsafe, there was a fire, there was XXXX, a XXXX, and they threw out some of my belongings that were outside my door. 
There were threats of eviction for not having recertification paperwork every year and then realized there was a mistake. Everything they did there was shady. There are several investigations with the XXXX XXXX XXXXXXXX which is now known as XXXX XXXX -- XXXX Not only did I try to contact them directly, and also the housing authority I also tried to take them to small claims court and the court told me that due to no money lose to me personally i cant take them to court. This is a false bill so they wouldn't help me either. 
I got a paper that I will include that I received and called about with a total balance of {$2800.00}. then got the collection letter for a different amount of {$2600.00} what!! NO proof of debt and no explanations.
Product: Credit reporting or other personal consumer reports

Company is saying there is a balance, due this was not originated by me, and there is no original agreement confirming open line of credit or payments due. 

I asked for proof of the original contract and of delinquency in the payments that they are showing late, the company never gave me written notice of late payments or past due dates and this is in violation of my consumer credit privacy rights by reporting inaccurate information. 

I am disputing inaccuracies on my credit report and demanding the removal of incorrect entries related to this account. I'm citing the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, to request a re-investigation of these entries, and 15 U.S.C. 1681b, to assert that unauthorized inquiries were made on my credit report. Additionally, I am referencing 15 U.S. Code 1666b and 1637 ( b ) because the creditor failed to provide timely billing statements, and i did not open this account. I am demanding that these discrepancies be corrected within 30 days, and I will escalate this issue, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), if the issues are not resolved promptly. And with the FTC. 

Account name : CONSUMER ADJUSTMENT CO Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$5.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$5200.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$5200.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, an unauthorized transaction occurred on a XXXX XXXX XXXX Sun XXXX credit card for {$55.00}, which I disputed with XXXX. Despite contacting XXXX multiple times, including on XX/XX/XXXX, to report the issue, they mishandled the case, failed to open a proper investigation, reported inaccurate late payment info on the credit bureaus, and violated the Fair Credit Reporting Act ( FCRA ) and exceeding the 30-day resolution requirement and not notifying credit bureaus of the dispute. On XX/XX/XXXX, I escalated the issue to the CFPB. On XX/XX/XXXX, XXXX admitted mishandling the dispute over the phone via XXXX XXXX XXXX ( their Fraud and disputes + investigations phone number provided by XXXX. ) As the CFPB response states : they granted a {$50.00} credit, but still left the remaining {$5.00} for the same unauthorized fraudulent transaction which resulted in multiple late payments reported. XXXX acknowledges and confirms that the address for the card with the fraud, is in fact NOT my address. They also stated it may take another 60 days to investigate from XXXXfurther violating the FCRA . I demand immediate removal of derogatory credit reporting and compliance with the law. They have identified that the address of the card is not my address. & have received a Notarized Affidavit, FTC Report, ID theft report, and written statement ; verifiable by certified mail. This {$55.00} charge is the only charge on the account. This has been ongoing for 15+ months and is damaging my credit and health & wellness . Please remove the late payments and negative remarks from the credit bureaus and data furnishers immediately ; and cease violating the FCRA, laws, and compliance. ( Previous. CFPB complaint number : XXXX ) ( XXXX Case Number : XXXX ) .... included attached is the previous CFPB report, and a copy of certified mail received by XXXX including an FTC report , ID theft report, Notarized Affidavit of truth ( legally sufficient replacement for police report ), ID verification, and relevant dispute information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX  Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XXXX had violated my rights. XXXX  Account # XXXX XXXX has violated my rights. XXXX  Account # XXXX XX has violated my rights. 15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( 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 antecedents the report by more than seven years. 15 U.S.C 1618 s-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, credit repair services, or other personal consumer reports

I have several pulls that I did not sign or allow to imitate. There should only be one, from the company we chose at the end and when I spoke to the others, I did not authorize them to do hard pulls ( and sometimes multiple hard pulls ). I did not realize they did this until applying for a credit card months later.

Check your credit report when getting a mortgage, there are surprise hard pulls that I did not authorize. The three credit reporting companies won't go engage the companies with the pulls for me and I have to do the work for something they did and I did not authorize at all. This may be common practice, but then its greed and laziness. These companies already leech and get loans at prime rates just to skim off the top and repackage for XXXX and XXXX  to help devaluate the dollar.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this dispute because I have noticed that I have sent a request to remove inaccurate information and it has not been honored nor have I gotten a response in 30days. I request that under the consumer financial protection laws the cfpb enforce my rights and remove the information connected to my consumer credit profile. I have attached the letter and verifying information as a courtesy. This company undermined my consumer rights and my ability to exercise them.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed and experian stated everything was to remain on my credit report. I also disputed it with XXXX and they stated the collections have been removed from my file. I attached the photo below. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the account listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, TRANSUNION, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

XXXX XXXX
Product: Debt collection

I have told them that this is very old debt but this is still on my credit report
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX inquiries from XXXXXXXX XXXX XXXX have appeared on my TransUnion credit report but I didn't apply for credit with this organization. 

On XX/XX/XXXX an inquiry from XXXX XXXX XXXX XXXX appeared on my TransUnion credit report but I didn't apply for credit with this organization.
Product: Bank account or service

XXXX charged {$36.00} dollar overdraft fee when my account was never overdrawn. The notice they sent says an item presented for payment on XX/XX/XXXX caused my account to be overdrawn. My statement shows that my balance of {$7.00} and change was added to the paycheck amount that arrived on XX/XX/XXXX. The first thing to come out of that new balance was the overdraft fee.
Product: Credit card or prepaid card

I have gotten several letters from credit cards companies 2 Bank of America, XXXX XXXX  and 7 other credit card inquiries that are fraudulent. I contacted both Bank of America and XXXX XXXX  immediately. I now noticing that Bank of America is on my credit report and that I have over 9 inquiries on my name. I was told to contact the federal trade commission. 

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

To Whom this may concern, I am writing to dispute the following inquiries on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

( XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/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 or other personal consumer reports

I recently pulled a copy of my credit reports and noticed Fraudulent Accounts and Inquiry 's that need to be immediately DELETED and/or updated Pursuant to 15 USC 16816-2 and more specifically 15 USC 1981c-2. I did not give written instruction to ANY bureau to post my public information, NOR did i originate ANY of the listed items in question. This Constitutes Identity Theft, therefore these items need to be corrected immediately. Please DELETE the following fraudulent accounts : XXXX XXXX, XXXX XXXX. Please DELETE the following Inquiry 's : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE SEE FTC XXXX FOR ADDITIONAL PERSONAL INFO CHANGES. Please update my personal info, name : XXXX XXXX.
Product: Mortgage

I signed a modification agreement that was approved back in XX/XX/2019 for 3 trial payments of XXXX. Those trial payments were made, and I was approved for the modification in XX/XX/2019 and the payment was XXXX. I signed that agreement and sent it back agreeing to pay XXXX. Here we are 4 months later, and my mortgage was raised to XXXX. Right back where I started. When calling Carrington Mortgage  customer service, I was told because my taxes went up. In researching my tax bill in reality, my tax bill only went up XXXX for the year. The total taxes for the year are XXXX, they have them on my escrow account as being XXXX. I called Carrington Mortgage back to speak with the tax department. They were un-certain why my mortgage went up XXXX and could not explain it. I would like to know why this tax bill was not included in my modification. The tax bill was released in XX/XX/2019, while I was going through my modification trial payments. This amount should have been calculated in the final documents in XX/XX/2019. I would have never agreed to pay XXXX for a mortgage payment, I CAN NOT AFORD IT! Carrington Mortgage needs to refigure the mortgage payment to reflect the correct amount and not some amount they come up with out of their heads to make extra money.
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted dispute, requested documentation and received none as to the verification of disputed accounts, contacted the collection agencies to request documentation, collection agency could not or would not comply with request for documentation related to accounts, reported this to Experian, derogatory still active on report. 3 months later try to request another dispute thru Experian and am told I cant dispute an item I disputed before, no where in the FCRA regulations does it say I'm limited to the amount of times I can dispute an item on my report. I have screen shots of me trying to dispute items on my Experian report and it telling me Sorry you cant dispute an item you have previously disputed 3 months ago or for any time before.
Product: Checking or savings account

I want to file a complaint with citi international Bank bc I don't no or how to get my account information or card information that I need.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is shown as closed after dispute and re added days later. I do not have a contract with this company, yet they continue to say that account has been verified as mine but have yet to and never have sent me proof that I owe or that I have a contract with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

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

I was attempting to access my free credit report via annualcreditreport.com and requested it from XXXX XXXX, Experian, and XXXX. When the website prompts asked for my personal information, it came to a questionnaire about existing loans, accounts, etc. A few of these questions were about a home loan, auto loan, and jeweler 's account that I have never opened. Since I was unable to answer questions about what organizations held these accounts I could not access my report. These questions indicate that it is likely someone has access to my personal information, including my social security number. Because of my concern for this, I need immediate access to my credit report to gather more information and potentially file a claim. I am asking XXXX XXXX, Experian, and XXXX to send me my credit report, preferably online, immediately.
Product: Debt collection

I noticed this debt listed on my credit report. I have never had any dealings with XXXX XXXX or its subsidiaries. I attempted to get this corrected but it still shows on my credit report.
Product: Credit reporting

I have noticed some fraudulent credit inquiries on my credit report through agencies like XXXX and XXXX agencies and I never use those ... have tried setting up a XXXX year freeze on my credit and Experian will not allow me to even though I tried enrolling and paying their fee. Please help.
Product: Debt collection

I have only been a member at this gym for two months and the gym has charged a {$75.00} dollar sign on fee along with a {$25.00} membership paid the first day. I received another unexplained charge recently in the amount of {$29.00} that was charged with a biweekly amount of {$25.00}. I went to my bank to have the unexplained {$29.00} fee reversed and they are still trying to collect a debt I don't owe adding another {$9.00} plus {$19.00} service fee added, just for a gym membership. I also discovered that the {$75.00} sign on fee I paid was than reduced to just {$1.00} for customers. I have not been a member long enough for all the charges added and price discrimination.
Product: Credit card or prepaid card

I made a balance transfer in the amount of {$14000.00} to a home equity line of credit i have in XXXX XXXX XXXX. I was offered a XXXX percent interest rate. I made the transfer over the phone with my Frontier Airlines XXXX Starting in XXXXXXXX XXXX XXXX I started to receive interest charges for the transfer. I paid the fee of {$700.00} but each month I receive interest charges. I call the company each month to dispute the charges. The call center will reverse the charge, but then again, the next month, I receive an interest charge on the balance transfer and also on any purchases I make. I pay my purchases off every month and continue to pay down the balance transfer amount. Now the company says I agreed to a 20 percent interest amount on the balance transfer. I most definately did not. This transfer transaction was made over the phone. I agreed to a XXXX percent transaction. They say they record these calls. They should go back and listen to this conversation and rectify this situation. I would never transfer {$14000.00} for a 20 percent interest rate promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a dispute on XX/XX/XXXX for a {$1300.00} and {$290.00} bill with XXXX XXXX for having health insurance on XX/XX/XXXX well I guess the insurance won't pay. So therefore I have a bill of {$1400.00} they already have it for {$1300.00} XX/XX/XXXX, {$290.00} on XX/XX/XXXX for XXXX, on XX/XX/XXXX comnwlth Fin put a {$1400.00} collection on my credit making it go down 28 points so I have the same bill twice but the new one from XX/XX/XXXX shouldn't be allowed to have a bill that is already on my credit just making it show up 2. So I need the {$1400.00} removed cuz it's something that is been on for 6 years almost. Thanks XXXX XXXX
Product: Mortgage

I contacted PHH Mortgage for assistance as I was not working. I completed a request for assistance, sent my life history, the property was appraised. I received a letter saying that I could make a reduced payment of approximately half of my mortgage payment for three months and would then have to resubmit a hardship package and all documents again. I'm not sure how this is helpful. I was told that I didn't qualify for any other programs because of my debt to income ratio. If PHH was to lower my interest rate and helped me with a repayment plan I could afford the mortgage payment. The investor of the loan XXXX XXXX XXXX does not care about homeowners facing a hardship. I'm asking for someone else to review the hardship package submitted again and reconsider offering us a lower interest rate and repayment plan. Also, I have contacted XXXX our single point of contact seven ( 7 ) times and she has not responded to any of the voicemail messages left. I'm not sure I understand how a reduced payment for three months is a viable option to help.
Product: Credit reporting or other personal consumer reports

This account is inaccurate and settled. The card was discharged in bankruptcy and they sold the account to this company
Product: Mortgage

I applied for a mortgage refinance on XX/XX/2020 with Navy Federal Credit Union. On XX/XX/2020 NFCU advised they received the home appraisal completed. The processor advised me we were within 2 weeks of closing. The file was transferred from XXXX XXXX to XXXX XXXX. He did not return calls or emails with me. He states he did not receive rate lock in paperwork. He delayed even requesting subordination on the loan until I started calling the main line and complaining and requested title company information be added by the representatives. By this time I had been escalated several times to managers. XX/XX/XXXX XXXX XXXX supervisor requested updated information..paystubs etc. I was not happy but did resubmit. I complained online on social media Asking for my money back-then they asked for another credit report and transferred me to XXXX XXXX a new mortgage processor. I am still waiting and being stalled its XX/XX/2020. I called and confirmed with XXXX  XXXX XXXX they only received the request for subordination XX/XX/2020 and it should take them 7 business days to respond. A simple refi should not take 8 or 9 months. A class action lawsuit needs to be brought against them. This is happening to many borrowers.
Product: Credit card

Please examine the documents I've included. I'm requesting that the bureau launches an investigation into these accounts, as I have never been late in my payments, yet they are reporting me as such. It's unjust, given the effort I've put into ensuring I pay these accounts on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX