23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has a collection on my credit report saying that I owe money for an apartment when. I Didn't. I applied once yet they charged me for three times for an apartment when I got denied the first time why would I apply two more times the leasing lady who was helping me tried to get me approved and she sent me the link to finish my application me not knowing it was for the wrong apartment it was not the one I had seen and already started the process she said my application was not completed and she sent me a link to finish it she sent the link twice and they were the wrong apt numbers she did that and now I am being charged I have the emails showing where she sent the wrong links making it seem as if I was applying for more then one apartment why would I do that who has money like that to waste. I will send this  collection agency to court and sue For scam I have the emails also the bank statement where they took the money for the one apt that I  originally applied for and got denied why would I be XXXX enough to apply again that makes no sense anybody can see I am being scammed I called them and they saying that the collection agency is who I should sue because they now own the collection and I will and I want this collection agency to be reliable for fraud they scamming me and I have an email of the link the leasing lady sent me making me apply for other units and the lawyer I spoke with says this apt complex has others they are doing the same to as well I will take this to court the lawyer even sees what was done the leasing lady messed up and now I am being charged it's not right anybody with common sense can see that and anybody with common sense will know that nobody will apply for an apartment 2 more times after being denied the first time who has money to throw away the leasing lady sent the wrong links she was supposed to send me the link to finish the first application yet she sent me two different apt links I  have the emails and I will take his to court. I am being scammed and this company needs to take this false information off of my credit report or I will sue. I have the emails and bank statement saying they took a payment for one apartment already and the emails saying she sent the wrong links and the email that she sent me saying to go back in and finish the application with the links attached she sent it twice to me and me trusting she knew what she was talking about did as I was told now I owe all this money I even told her when I first came in that I had an eviction and she said it was okay because it was old and she convinced me to still apply because it was old knowing from the start that I was going to get denied I wouldn't of never applied for two extra apartments or the first one yet she convinced me to apply I have the emails I am taking this collection agency to court. I have the links she sent me and also the email of her saying to go back into the links and redo the application she had me do it over twice ...
Product: Mortgage

I am writing to dispute Nation Star Mortgage account number XXXX alleging that I am behind on a mortgage payment which in fact my mortgage was sold from Bank of America account number XXXX in XXXX XXXX, I had a direct deposit from my bank to Bank of America and XXXX XXXX payment was sent back to me which I forwarded to Nation Star Mortgage but Bank of America kept my XXXX payment. I was even sent a letter saying that I would receive my XXXX XXXX payment. 
I had contacted XXXX XXXX Mortgage and told them about the problem and they sent me a letter saying that they found nothing wrong with my missing payment. I also contacted Bank of America and told them that I needed that XXXX XXXX payment and they said there was no status on it so it could n't be released and after hearing this news, I contacted a lawyer XXXX and paid {$250.00} to have this issue resolved but the lawyer was unable to do so. 
I have also recently, filed a dispute with the Real Estate Settlement Procedures Act agency regarding this matter.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

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 XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to Experian for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.
Product: Credit card or prepaid card

The edd unemployment paid me {$8000.00} on a bank of America pre paid card..i received the card and was able to get only {$1500.00} off my pre paid card as i went to XXXX for XXXX months and when i got out my card was " closed '' this was sopposedly due to I'd verification..so i called the edd unemployment and submitted my documents proving who i am numerous times and went thru I'd me also. I received a w-2 1099 form for the {$8000.00} and had to even claim it on my taxes even though the boa has my money still even after proving whom i am. They just keep giving me the runaround about that the edd has to tell them to open my card or give me my money from claims dept. The edd says they can't freeze a debit card with boa and they aren't the bank. I was paid this money. Because i was qualified for unemployment and only need to prove who i am. I gave my state I'd i gave birth certificate my phone bill..i even passed I'd me with it's as i got my stimulus immediately after i went through I'd me.whom edd also uses to verify identity. They tell me they have nothing to do with idme which is a lie. It's been over a year fighting for my money that i desperately need. If i paid taxes and to have the documents from edd bring paid and received a 1099 income tax stub that i had to claim on my. Taxes why don't i have the money? Why should i have to pay tax on money i never got? And they will not give me my money. 
Edd told me that they could never ever take that money back from me..as i did not do any fraud. It was only I'd verify and o complete numerous times. They have to by law give me my money. Why can't i go into a boa bank in peon and show my I'd and get my money? Why do i have to wait when it's legally my money i paid taxes on? Should i call the police? They have caused me such hardship they are stealing from peopleXXXX had a XXXX logo on the card.dont onhabebprotectin from visa about them? Most states do not any longer use boa as the bank to pay the people because of their theicery fraud activity. They use a way XXXX. Thru another bank. Please help me i have all documentation you need. God. Bless please hurry. 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 XXXX XXXX XXXX XXXX
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 XXXX : Acct # : XXXX XXXX XXXX : Acct # : XXXX XXXX XXXX XXXX : Acct # : XXXX CITI XXXX : Acct XXXX : XXXX XXXX : Acct # XXXX XXXX XXXX  : Acct # : ( XXXX ) XXXX XXXX : Acct # : ( XXXX ) XXXX XXXX XXXX : Acct # : ( XXXX ) XXXX XXXX  XXXX Acct # : ( XXXX ) XXXX - XXXX XXXX KS : Acct # : XXXX XXXX XXXX XXXX : Acct XXXX : XXXX XXXX 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. 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

I, XXXX XXXX, am acting on my own as a natural person and consumer. 
There is information on my consumer report that is a result of identity theft. Per 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 resulted from the 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! My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.

These companies DO NOT have lawful authority to report these items as it's in VIOLATION of my privacy and these companies are required to have tax documents on file stating they charged items off with my WRITTEN consent. 
Please delete these items listed below IMMEDIATELY! 
NAMES - XXXX XXXX | XXXX XXXX | XXXX XXXX I XXXX  XXXX XXXX XXXX XXXX | XXXX XXXX XXXX | XXXX, UNIQUE ADDRESSES - XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX, OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX OH | XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX | XXXX XXXX XXXX XXXX XXXX OH XXXX HARD INQUIRIES - 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 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 {$1400.00} | XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX XXXX {$1200.00} | XXXX  {$1000.00} | XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX {$520.00} | XXXX XXXX A {$600.00}
Product: Credit card

On XX/XX/XXXX  I received an email saying that I was approved and will attain a product change to the Chase Unlimited card. This was done without my knowledge since the product change was never confirmed with me as the purchaser of a Freedom card. 
After receiving the email, I called Chase at XXXX and spoke with XXXX XXXX. He told me there was no " Opt Out '' and no " Opt Back In '' for the product I originally purchased and approved for from Chase. I was told that these changes were done in batches. However, I was never notified what batch I was in and no proactive measures were taken with to see how this change would affect my finances. This is my oldest credit account and will severely affect my credit history given the product change. I expressed during my phone call that I did not apply for the Unlimited card and I have no interest in changing my product. 
This is not an upgrade as the email I attached states, this is a downgrade. The false narrative that I am a better product is scary due to the lack of data and information to back up the claim of an " upgrade. ''
Product: Checking or savings account

CashApp is very lowdown, they believed a thief and allowed him to steal over XXXX dollars from me ; and when I alerted CashApp they acted as if I was wrong and there was nothing they could do, the thief stole my money and then bragged on it to CashApp and sent me the screenshots, Im very embarrassed and hurt! I deserve my money back
Product: Credit card or prepaid card

I paid this account through a collection agency, XXXX XXXX, for {$300.00} as a settlement. My original balance was {$680.00}. Once I paid the account, Capital One updated my account on my credit report to reflect a {$300.00} payment made and still showing a {$380.00} balance. Then once they did this, my credit score dropped 80 points. I then called them again and submitted another dispute to get them to update the account. Once it updated to a XXXX balance, it dropped my credit score 50 points. so over 100 points because of an error they did with the reporting. I did my research and found that they reported the account against the XXXX XXXX guidelines that are enforced by the XXXX XXXX XXXX XXXX. Furthermore, on my credit report, they are listing the date of last payment incorrectly as well as date of last active. It is different on each credit report and this is a violation of the Fair Credit Reporting Act. I am not sure how you are able to do this and then cripple my credit score after I paid you. I attached a screen shot of the way this account is reporting so that you can see for yourself. I am sure that the CFPB can impose some type of fine or get this done for me because my calls and disputes are not working.
Product: Credit reporting or other personal consumer reports

TransUnion allowed 58 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 82 inquiries for fraudulent car purchase despite fraud alert on acct XXXX allowed 65 inquiries for fraudulent car purchase despite fraud alert on acct I called all 3 bureaus and asked they be immediately removed and filed a FTC report as well and nothing yet
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my documents more than once to update my personal information. I need for this information to be corrected immediately because it is incorrect. My name should only appear as one name on all XXXX credit reports. My birthdate should appear in full and I have a job on my report that I never worked. I have only one address. I need this information updated immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian are continuously reporting a bankruptcy on my credit report. They have stated that the Data Furnisher is US BKPT CT AL XXXX. So, I contacted them, and they stated they do NOT report, validate or verify anything to ANY credit bureau or third party. Yet the credit bureaus ( all three ) are continuously telling me that their information is verified. Which IS NOT TRUE. I would like this entry on credit report to be removed. Even XXXX XXXX  Does not have it listed and XXXX can not verify me and even if they could they would still have to verify that from the ACTUAL BANKRUPOTCY COURT which in my letter it states that THEY DO NOT VERIFY, VALIDATE, or REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I SEE THAT THERE ARE PUBLIC RECORD THATS SHOWING ON MY CREDIT FILE I NEVER HAD ANY PR, SO I WOULD LIKE TO SEE THAT THIS MATTER IS UPDATE AND REMOVE ASAP. 

XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX
Product: Student loan

I tried for 4 months to get a forbearance or an income based repayment plan. I sent in the paper work needed and for four months they kept telling me that I needed different paperwork to be completed. In the meantime, my student loan went into default because they kept jerking me around when I was trying to keep it out of default. The IRS ended up taking my 2016 refund because Navient allowed my student loan to default thru the never ending process of an income driven repayment plan. I ended up calling another student loan service called XXXX to consolidate my student loans and to get them out of default. Navient ruined my credit and also took money from me. I feel I am entitled to a refund because of their negligence and incompetence.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed multiplie complaints against equifax fax Sent a 609 dispute letter Sent a 611 demand letter They never send me any information on how to verified my hard inquires I am disputing according to the FTC they are breaking the law and could be fined up to {$1000.00} each item I need equifax to either give me proff or erase the hard inquires I am disputing
Product: Debt collection

I have setup a payment plan with the Virginia XXXX XXXX XXXX after my XXXX XXXX XXXX XXXX. XXXX was dismissed. This firm has called me everyday since XX/XX/year> and on XXXX regarding this debt and I have informed them I have an advocate at the Virginia XXXX XXXX XXXX and have setup my plain even though I have a new XXXX XXXX filed XX/XX/year>.
Product: Debt collection

XXXX XXXX from Waypoint Resource Group responded to a previous claim that " XXXX recalled an account '' What I am referencing does not state XXXX, it states XXXX XXXX XXXX for an amount of XXXX she also lied and said they do not handle credit reporting. Well please explain why WAYPOINT RESOURCE GROUPS is on my credit with XXXX XXXX XXXX listed as the original creditor. 

Once again, I never received any information in regard to this fraudulent account that your company ILLEGALLY placed on my credit report without properly notifying me and giving me the opportunity to properly dispute, which is an FCRA VIOLATION on WAYPOINT RESOURCES GROUP part as a debt collection company. You have laws that you have to abide by. 

Now I have provided you with an identity theft report from the government website FTC again. This is a second attempt that I'm noting to inform WAYPOPINT RESOURCES GROUP, that they are reporting fraudulent information on my credit report. According to the FCRA laws you are REQUIRED to STOP REPORTING fraudulent information and remove it from said persons credit report once you are made aware and given a government document stating such, please do so.
Product: Debt collection

On XXXX the XXXX of XXXX I, XXXX XXXX rented a vehicle from XXXX at the XXXX/XXXX. XXXX Airport and did return this vehicle to the same location on XXXX the XXXX, XXXX. My deposit was refunded, and final charges to my Visa CC were on XX/XX/XXXX. 

The XXXX week of XXXX, XXXX, I received a letter, in a nondescript envelope with no company logo or information. This looked like junk mail, but was in fact a letter from Viking Billing Service, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, MN XXXX. 
This letter claimed I had caused damage to the vehicle rented from XXXX and to send Viking money. 

I called the XXXX company at my earliest convenience, which was XXXX the XXXX, XXXX XXXX to request more information. I was given no information verbally or in writing regarding any damage claim. I try to follow up again on XXXX the XXXX, XXXX with the same lack of result. I have called XXXX many times to resolve this, and not once was I given any information regarding damage to the vehicle. 

I have now received another letter from Viking, again nondescript envelope that looks like junk mail. This letter claims in is the final letter, and that this matter could now be sent to collections. 

I have spoken with XXXX XXXX of Viking Billing Service now on XXXX the XXXX, XXXX, and he has finally sent to me a 34 page pdf file of the damage claim including a signed " Contact form '' from XXXX the XXXX which someone claims they called me, and were told " wrong number ''. My phone records from that day indicate I received exactly 1 phone call, from a local XXXX area code number. 

This document also has pictures of vehicle damage dated XXXX XXXX. 

Viking Billing Service is a DBA of Viking Client Services, XXXX. 

Viking has violated the The Fair Debt Collection Practices Act, as enacted by the 95th United States Congress, as they did not contact me within the allotted 5 day period to validate their debt, and violated the 30 day debt dispute clause, as they failed to contact me in a timely manner. 

I have also written a letter to XXXX XXXX XXXX, Executive Vice President of Global Sales and Marketing at XXXX. 

Given the class action lawsuit against XXXX from XX/XX/XXXX regarding a pattern of behavior near identical to what I have described in this complaint, I would like XXXX and Viking to cease this claim. 

Attached is the 34 page document as sent to me from XXXX XXXX of Viking.
Product: Credit card or prepaid card

This problem has been ongoing since XXXX, I have had to open multiple disputes through Apple credit card ( goldman Sachs ) and every time I open disputes, they ALWAYS favor the merchant ( XXXX ) There were multiple unauthorized purchases on my card through XXXX, XXXX helped with most of them besides one order that was {$1400.00}. My credit card issuer Goldman Sachs is saying that the dispute keeps favoring them no matter what evidence I give them.

I really want to sue or something, I have no idea what to do now. Goldman Sachs wants me to pay them the full XXXX no matter what. I did not make this purchase through XXXX. 
Order was made on XX/XX/XXXX, and I had to open like 10 disputes already through them. 
XXXX said they cant refund it because my account was closed or suspended ( because it was hacked ) but no idea why they wont help at all. 
I do not plan for paying this AT ALL. 

If you need proof of anything, let me know please