23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I monitor my Credit reports, Dark Web and Identity and related accounts and activities daily/weekly, as I am an XXXX in XXXX at XXXX and have encountered and been a victim of multiple breaches and fraud due to the nature of my work. 
I received email alerts this week from multiple sources notifying me of unexpected activity on my reports across multiple agencies of which resulted in a credit score drop of 30points. 
I immediately accessed my reports to investigate and found that an unknown company filed a collections against me, without my knowledge and/or having received any communications written or otherwise. 
I immediately have submitted disputes via XXXX and XXXX! stating the debt was incorrect. The company came back within 2 business days and responded with repeat submission. 

It appears to be an Apartment building debt. I did in fact reside at the apartment referenced, however I moved out in XX/XX/2020 and paid monies owing. 
It is critical to note that my move out was during the height Covid and lockdowns. Paid my rent each month, and did not default or live rent free like many other tenants did at the time. Also a key legal consideration : the management leased my home to a new tenant and they began moving in/shipping furniture etc to my apartment BEFORE I moved out. I was NOT notified by management on-site I f a new tenant nor given notice verbally or written of this. The result : I was forced to find a new home/move out within one week of determining on my own that my home was being occupied by someone else whilst I was living/working from home. 
This was traumatizing and their actions or lack thereof left me vulnerable at an extreme moment in time and they expressed no remorse or options. I consulted an attorney who agreed that the management company was in the wrong ethically, and who advised me that the process to fight the wrongdoings would be both costly and lengthy for me. 

I resided at the luxury apartment for over 6 years and all payments and communication were done in good faith, with transparency and professionalism. 
I request that the CFPB investigate not only this charge but the volume was f charged/complaints received for said apartment, as I know there were others at the time who had horrible experiences and simply left/moved without paying or completing and broke their lease contract. 
I at no time broke a lease contract. 
This debt collection is unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account " XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.
Product: Checking or savings account

I opened a new checking account online with Huntington Bank on XX/XX/year>. There was ( and still is ) a public offer for a {$400.00} bonus if I set up direct deposit and had at lease one {$1000.00} direct deposit made within 90 days. I had direct deposits of {$1000.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The terms of the agreement say that the bonus will be paid within 14 days of the 90 day mark. 104 days was XX/XX/XXXX. No bonus was paid. 

I called on XX/XX/year> and was told that I had not signed up for the bonus. This was incorrect, as I kept a screen shot of the application page clearly showing the bonus terms and clearly showing that the promo cade had been applied to my application. I was told that they would look into it and I should call back in a week. 

After one week, ( today, XX/XX/XXXX ), the bank has still refused to pay my bonus and is still claiming, despite my hard evidence that I did not apply the promo code. 

This is fraud. I applied using a publicly available link. I met all the required terms and am due the bonus. I have hard evidence that I followed the link and applied the code.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Shellpoint Mortgage credit reporting has been altered since the loan was sold and closed. It is reporting near correct on XXXX and XXXX, but terribly altered on XXXX. The XXXX XXXX XXXX has the loan still be reported after the sale and transfer date of XX/XX/XXXX. The Shellpoint loan as also reported by XXXX has the start date as XX/XX/XXXX to its transfer date of XX/XX/XXXX. 

The loan is also not recording and reporting that each of the 17 months from XX/XX/XXXX to XX/XX/XXXX that there were 17 payments that were made on time and should be recorded to the credit bureaus. At present this incorrect reporting is hurting our credit score because the account is not showing that a payment was made for each of those 17 months. ( doubled entries should not be indicated ). The CFPB says that the information should be reported correctly and complete.
Product: Debt collection

Credit Collections Services continue to contact me via phone and mail for a debt that I do n't owe. The debt is a fraudulent debt. I sent Credit Collections Services a police report and a letter informing them the debt is fraudulent and do n't belong to me and I am a victim of identity theft.
Product: Credit card or prepaid card

I originally applied for a new Chase Credit Card online. Upon logging into my existing Chase account, I saw the same credit card with a higher promotion offer of {$200.00} back after spending {$500.00}, instead of the {$150.00} I saw on my application. I called and spoke to a customer service rep who assured I could have this changed and to call back once I spent {$500.00} on my card, they made a note on my account to have my reward increased to {$200.00} back. I asked if it was better to change my application so I could ensure I would get this reward, but they said I would be fine. After spending the money a Chase rep told me they were unable to honor this offer. I escalated to a supervisor ( the supervisor confirmed that there was a note on my account for the reward to be {$200.00} ) and also made a complaint on their website, however they refuse to honor the offer that was given to me.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
KA HA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX  XXXX Balance : {$310.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Portfolio Recovery Associates, LLC has sent numerous collectors to my residence ( one banging on my front door viewed via my XXXX   doorbell camera ). To my knowledge I received a bill and after that their agents came to my house. I emailed them a cease and desist letter to their email address XXXX on XX/XX/2019. They continue to send correspondence dated XX/XX/2019. 
They claim I owe {$4700.00}. I was never given an opportunity to dispute this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A. States I have rights to privacy.

15 U.S.C. 1681 Section 604A Section 2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX To Whom It May Concern, I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you remove itens immediate take off the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed from my credit file. 
This not a regular dispute I have filed a complaint with federal trade commission to document being a victim of identity theft. 
Please remove this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the fair credit reporting act. I am requesting that the following fraudulent accounts be deleted from my credit file : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Injuries : XXXX XXXX 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: Money transfer, virtual currency, or money service

I have open a cash app account in XX/XX/XXXX. I made it my savings account for my child I had on the way. I had placed the account in my, with my DOB, SS # when the account was created. I had sent 3-4 payments ( $ XXXX ) to the " baby 's savings '' account from my " A 1 '' cash app that use on a normal day to day activities. 
The email that was registered to " Baby 's Savings '' account was lost when I had broken my phone. I had contacted Cash Support in XX/XX/XXXX in regards to helping me regain access to the account. I was asked to provide photos ID an to create a new cash app account to transfer the funds from " baby 's savings '' to the new cash app account. After cash support received ID as requested I contacted them again to get started on the funds transfer. Multiple times I was hung up on when trying to explain an or asked not to call just email on the app. Cash support would never help with emails back an forth. Again I contacted Cash Support by phone requesting access to my account. I was informed for " security reasons '' I could not have access to my account " baby 's savings '' an was immediately hung up on. I tried numerous times to speak with different cash app support customer service Representatives an again an again I was hung up on. 
XX/XX/XXXX, was my final attempt to contact cash app in regards to regain access to my account. I had followed all requested procedures " ID summited, creating new cash app an wait to be contacted ''. Cash support informed me a balance transfer an regaining access to account " baby 's savings '' was failed an nothing they can do to help once again.. and abruptly hung up on me immediately. The cash tag for the " baby 's savings '' is $ XXXX. I want my money back from this company an the account closed immediately. This is a fraudulent scheme that's being played to launder my money and not give me access to it. There's no reason for them not to give me access to my cash app account that's in my name was my social security number. I am infuriated with the customer service disrespectfulness and unwillingness to help cure the situation.
Product: Vehicle loan or lease

Back in XXXX of XX/XX/XXXX, I had so many problems with XXXX XXXX XXXX XXXX XXXX losing paperwork and processing my car loan that I decided to cancel the loan. I was told by XXXX XXXX that they would stop the loan on their end. I called for the next two days to confirm the cancellation of the loan with both XXXX and XXXX XXXX. Within a couple of days, XXXX XXXX XXXX XXXX XXXX processed the loan. I had to accept the loan. A week or so later, I was contact by XXXX XXXX XXXX XXXX XXXX and they stated that they made a mistake processing the loan and that I had to pay additional money for taxes. I submitted a complaint to the Consumer Financial Protection Bureau ( complaint # XXXX ), and XXXX XXXX agreed to remedy the situation by paying the taxes. Now XXXX is contacting me to pay the taxes again. My account number with XXXX is XXXX. I called in today ( XX/XX/XXXX ) and waited 22 minutes on the phone to speak to a supervisor and then the call was disconnected. XXXX sent me a notice dated XX/XX/XXXX stating that I had to pay {$300.00} within 15 days threatening to send the remaining amount to a collection agency. I received the letter in early XXXX due to the holidays.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my Equifax report, i realized that Equifax deleted addresses that weren't mine but added them back without notice or reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection on my report after I have disputed the debt and asked for very specific verification details in which they will not provide. I am asking for verification of the alleged debt pursuant to my rights under the FDCPA. With respect to my verification request under the FDCPA, I requested a copy of a signed contract. Additionally, I requested that you cease and desist all collection activity, including credit reporting. That is, I requested that you delete any and all reporting made to any consumer reporting agencies. You have failed to address my very specific legal requests and are in clear violation of the FDCPA. 

First, you failed to obtain and send verification of the alleged debt by not mailing me a contract. Instead of sending me a signed contract or agreement as requested, you mailed me something stating the original creditor but this is not a contract or agreement and is nonresponsive to my verification request. Under the FDCPA, it is unfair or unconscionable to attempt to collect an alleged debt in any amount that is not expressly authorized by an agreement creating the debt or permitted by law. 

Second, you failed to cease and desist and delete your credit reporting of the disputed alleged debt. Under the FDCPA, it is a false, deceptive, or misleading representation or means in connection with the collection of any debt to communicate to any person ( e.g., a consumer reporting agency ) credit information that is known or which should be known to be false. 

Addittionally this is still reporting to XXXX XXXX and Experian and they never listed the account as being disputed from the collection agency which is another violation. Its sad that they are ignoring my mail and breaking the law without a care to do the right thing.
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 XXXX XXXX XXXX XXXX ( {$6200.00} ) XXXX XXXX : # XXXX ( came back as fraud shows as a repo on my report ) XXXX XXXX XXXX ( AutoLoan No XXXX # {$10000.00} ), # XXXX {$570.00} credit card ) all of the accounts listed above have 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 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 the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for its failure to conduct a reasonable reinvestigation and for its continued reporting of inaccurate bankruptcy information on my credit file. 

I have previously disputed this bankruptcy with TransUnion multiple times and have also filed two complaints with the CFPB regarding this matter. TransUnion has failed to provide proper verification and continues to report conflicting and inaccurate information. 

In response to my prior disputes, I furnished a letter from XXXX, which TransUnion previously stated was their source for bankruptcy records. However, XXXX confirmed on XX/XX/year>, that the bankruptcy is NOT on my credit file. This means TransUnion is either relying on outdated information or failing to verify its sources properly. 

Additionally, I have obtained a letter from the U.S. Bankruptcy XXXX XXXX XXXX XXXX, which clearly states that they do not verify information with any third party. This directly contradicts XXXX repeated claims that they have verified the bankruptcy as accurate. 

Despite these facts, I have requested numerous reinvestigations, yet TransUnion continues to send me generic responses stating that the bankruptcy has been " verified as accurate '' without providing any supporting documentation. 

I have also : Requested the specific documents and procedures used to verify the bankruptcy on two separate occasions I have not received any response. 
Requested the name and contact information of the entity or person TransUnion used to verify this bankruptcy this request has been ignored. 
Noticed that TransUnions correspondence dated XX/XX/year>, lists USBK Court in XXXX as the source, whereas previous reports listed USBK Court XXXX XXXX. This inconsistency raises further concerns about the accuracy and reliability of their reporting. 
Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), TransUnion is legally required to conduct a reasonable reinvestigation and provide documentation supporting their findings. Their continued failure to do so violates my rights under the FCRA and is causing significant harm to my creditworthiness.
Product: Debt collection

National Credit Systems , Inc., need to remove the {$1900.00} debt by a company that does not exist XXXX XXXX and neither was I notified of this debt by either party. I would like this item removed from my credit report immediately.
Product: Checking or savings account

On XX/XX/XXXX, XXXX checks were written out to XXXX XXXX ( XXXX XXXX XXXX for home repairs using check number XXXX for {$2000.00} and check number XXXX for {$2100.00}. The balance in my account was {$13000.00} at said time. On XX/XX/XXXX, check number XXXX and check number XXXX were returned as insufficient funds in error. Due to this error, I had to perform a wire transfer to XXXX XXXX to cover the returned checks. On XX/XX/XXXX check XXXX and check XXXX cleared and paid an additional {$4100.00} to XXXXXXXX XXXX  ( XXXX XXXX ). I contacted XXXX XXXX who advised that they did not receive an additional payment or deposit and they WERE NOT in receipt of my {$4100.00}. 
The owner XXXX XXXX and I phoned WELLS FARGO account services which we were again advised, that there is no history of cashing check XXXX for {$2000.00} or check XXXX for {$2100.00}. I submitted complaint XXXX on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX XXXX of the Wells Fargo escalations department suggesting that we file a claim with XXXX regarding our checks. on XX/XX/XXXX I submitted a complain with XXXX regarding the unpaid Fidelity Checks. On XX/XX/XXXX I received the response back from XXXX showing PROOF that Wells Fargo did in fact chase the check and has yet to credit the accounts accordingly. I made attempts to reach out to XXXX XXXX to no avail, therefore a new complain is being made today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw this account with XXXX XXXX XXXX XXXX on my XXXX credit report. There is a balance for {$24000.00}. I was told by XXXX that this was a consolidation. I requested a copy of all documents with my original signature. I want to see all loans that equal to balance of $ XXXX.The alleged balance I don't believe is mine. The lender had refused to provide me with this information since XX/XX/2018. I believe this loans being reported in this consolidation and reported separately. So they are being duplicated on my three credit reports,.
Product: Credit reporting or other personal consumer reports

I have no knowledge doing business with this company Pursuant to 18 USC 8, i owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 16815 2 company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 41
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised again. While reviewing my records, I noticed several items that do not belong to me. As a diligent researcher, I found that under Section 605b of the FCRA, you are legally required to remove any fraudulent items resulting from identity theft. The disputed items are not mine, and I request their removal. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XX/XX/XXXX XXXX XX/XX/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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX 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 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.