23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I was using a gaming app and someone on the app lied about being a game company they requested I verify my card on online and the person proceeded to still money from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter off XX/XX/2022 to remove personal information off my credit report that I no longer want on my credit report. According to Fair Credit reporting act 12 USC 1681, I have the right to privacy. Also, according to 15 USC 6802, no financial institution is supposed to share my information with a third party. 

These are clear violations of my federally protected rights.
Product: Debt collection

I rented an apt at XXXX XXXX in XXXX in XX/XX/XXXX. My next door neighbors were XXXX, biting, yelling and slamming each other against my dining room wall on XXXX XXXX 's day in XX/XX/XXXX. XXXX Police and SXXXX XXXX XXXX the boyfriend ( went back to XXXX ) out of the apt and girlfriend went to hospital. This event breached my apt . lease. I delivered XXXX breach notice. Next Sunday, the same girl was drunk again, making all the noise again and she was kicking, cussing and banging on my front door to retaliate. I called XXXX cops and they  arrested her for XXXX conduct and I had her served with an XXXX  against XXXX  in XXXX XXXX. I delivered copy of restraining order and more breach of apt . contract letters to XXXX manager, XXXX right away. Later, same girl at XXXX XXXX   was screaming, children crying and banging on my wall. I called XXXX cops and the noise stopped. I delivered another breach letter to XXXX office. I went to XXXX to do a walk thru and XXXX, mgr agreed to do this, she reneged, I told XXXX she waived her right to a walk thru and I am not responsible for anything. I handed XXXX my keys. I moved out. A month later, I got a collections letter. 
I disputed it with XXXX-XXXX and National Credit Systems as identity theft, fraud, and I am not responsible-my lease was breached by XXXX. XXXX allowed my next door neighbor to harass me, XXXX cops and Swat team over several times to my apartment as she lived next door to me. Neighbor even went to XXXX XXXX for violating my restraining order and XXXX was very well aware of this by my letters to them. XXXX chose not to follow the law and harassed me by doing nothing to follow the law and evict her. I hand delivered several breach notices to XXXX, XXXX chose not to obey the law and evict her immediately.I had no lease for XXXX to file collections on me. THIS IS FRAUD!!! 
I told and in writing to collections that XXXX broke several AZ laws and AZ Landlord Tenant Act which I delivered typed to XXXX. There was no apartment contract for XXXX continued to allow the breaches for the other tenants conduct that terminated by lease agreement with XXXX-health and safety and no noise agreement in my lease and upheld by the laws. The collection remains on all 3 credit reports since XX/XX/XXXX. 
This is illegal and has totally screwed up my life for I can not rent an apartment because of the fraud or get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a account that was one Transunion multiple times wanting them to validate the claim that was on there for a charge off account. Multiple times and one of them that had said they have verified the information and have updated it. Including " XXXX '' in my name that not once i have had. They did not do their job correctly and did not correctly validate this debt. I have been a victim of identity theft and they do not take this job seriously.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
XXXX XXXX XXXX XXXX  Account Details Payment Status Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$7200.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term XXXX Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Purchased by another lender Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX
Product: Credit card or prepaid card

I make a payment on my Citi Double cash and It's doesn't give me credit for the payment. My balance is the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

bad warranty, both companies have violated my rights per the FCRA : they have violated the truth in lending act, consumer laws : it's being reported to all three credit reporting agencies in their affiliated third party agencies : XXXX XXXX XXXX XXXX XXXX XXXX has continued to charge illegal fees, reporting amount, not accurate. From charge-off in XX/XX/XXXX, then change to ( open ) status past due {$14000.00} when vehicle was involved in accident XXXX XXXX has reported each month from XX/XX/XXXX as past due with {$0.00} amount due each month, updated balance from {$14000.00} XX/XX/XXXX - XX/XX/XXXX, increasing by {$10.00} to {$14000.00}. As of XX/XX/XXXX balance increased to {$14000.00} to allow the loan to remain as a open status on all three credit reporting agencies reports. Once a loan reports as a charge-off in sold to a third party lender, it can not report as ( open ) on any report. This account has been issued to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX. 

XXXX XXXX XXXX credit card was not open by myself, they continue to report to all three credit reporting agencies and their affiliates inaccurate information, fraudulent company names to each reporting agencies. 
They are listed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sold to XXXX XXXX XXXX XXXX each company uses the same account loan #, but with different open dates balance of {$440.00}. 

FCRA promotes the accuracy, fairness, and privacy of information in the files. Under these laws as a consumer all my rights was violated.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XX/XX/year> The Bureaus XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bond to pay off this debt or stop collection activity and remove it all together. 


Please attach copies of the following documents : Agreement that you have the authority to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor with the promises to pay the original creditor. 
Complete payment history on this account, to prove that the amount you wish to collect is correct. 
I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 
This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Debt collection

This company has contacted my work several times. I can not take personal calls at work. My boss has even told them this. They claim be cause they can't get ahold me through my cell phone, but I don't have any voicemails from them not do i have miss calls from the number they gave me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a dispute letter to Equifax disputing several inaccuracies on my credit report. After not receiving ANY response or update after approximately 37 days, I then sent a letter on XX/XX/2019 concerning the lack of response. Here we are a month later and I STILL have not received any response from Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX XXXX, and I am dispute to dispute the fraudulent items listed on my credit report. I recently received and reviewed a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$970.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report. Please provide me with a written response to this dispute and let me know the results of your investigation. I also request that you send me an updated copy of my credit report once the fraudulent items have been removed.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I spoke to a representative regarding a final loan payment on my account balance of {$1100.00} which I found out the payment was used towards another loan that I have with this company. The representative XXXX stated " that is the way it is done when you make a payment it goes to all your loans ''. So, there was nothing he could do about it. I asked to speak with his supervisor XXXX, who reiterated there was nothing they could do. But since I have been such a good customer, he could remove a mere {$5.00} of interest charges that had been applied. I feel like I have been deceived and this company engages in false practices. I am reaching out to you in hopes that you can assist me and be made aware of this company 's practices while doing business in the State of California.

To explain further, I have a total of three loans promotional plans with this company. Each loan has its own promotional pay off date. My first plan ( dated XX/XX/XXXX ) however due to the covid-19 I called and spoke to a female representative ( name unknown ) in XX/XX/XXXX and was granted a 90 day extension. 
hence providing me with a new promotional pay off date XXXX XXXX in the amount of {$1100.00}. However, this company applied {$68.00} to another plan pay off date ( XX/XX/XXXX ) and {$140.00} to another plan pay off date ( XX/XX/XXXX ) which left {$950.00} towards the loan that I called in to pay off and they state that because the {$1100.00} was not paid off in full I still owe them {$230.00} for which I was not aware of nor told by the representative when I called in to make that pay off payment. 
Thank you in advance for your help.
Product: Mortgage

I used my mortgage company 's biweekly payment system which makes 26 payments a year instead of 12. 

I recently discovered that they don't apply the payments being made to the principal. Instead, they are holding the money in their account until the end of the month and then apply all the money received during that month. 

I called and told them I didn't think this was right and even offered to make an extra payment so the payments would be credited toward the principal at the time the funds were received and they said that world n't work.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person
Product: Student loan

Several attempts made to College Assist/XXXX XXXX XXXX XXXX by certified mail written request/ several e-mails, several phone calls requesting proper documentation/ proof of debt a treasury offset that has been sent directly sent to College Assist/XXXX XXXX XXXX XXXX from IRS between XX/XX/XXXX  XX/XX/XXXX  in the amount of {$23000.00} ( total ) There is nothing on any 3 credit reporting Bureaus showing any balance owed for any Government/ Student loans owed. I contacted US Department of Education to receive amount owed they stated they aren't showing a amount just that it is beinging serviced by College Assist and to contact them for the balance. I have requested for years for written proper documentation showing a balance owed and haven't received nothing so I could pursue my options of either paying off amount owed or contacting a debt consolidation to help resolve or file a Chapter XXXX or Chapter XXXX Bankruptcy.
Product: Debt collection

" I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 605 ( e ) and 609, which entitle me to dispute inaccurate information resulting from identity theft. Additionally, I am protected under the Identity Theft and Assumption Deterrence Act, which recognizes my rights as a victim of identity theft. ''
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section 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 an alleged identity theft. Please remove the following accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was part of the cash app settlement I started my claim and somebody to my documents and now they said I was never a part of the settlement. When I uploaded my documents and information there was a network error page. You're busy catch up for over XXXX years and have different accounts because my cash app was hacked into I lost a lump sum of money and I don't think employees for cash app are supposed to use fault language and profanity.I was shocked from trying to get help from XXXX of your employees for a transfer .I was told to enter an amount and given specific directions all my info was given and all my money was gone.i was unaware that this was going to be a scam .the employee then told me something inappropriate while hanging up.
Product: Credit reporting or other personal consumer reports

Early Warning Systems has in their possession, without my written permission, my non-public personal information and is in violation of the XXXX XXXX XXXX XXXX. Early Warning Services has obtained my information without consent from me. Early Warning Services has disregarded the Fair Credit Reporting Act and its the laws. Early Warning Services is a third-party servicer and credit reporting agency. The FCRA clearly states a credit reporting agency can only produce a consumer report with the written permission of the consumer to whom it relates. Early Warning Services failed to provide the contract between their corporation and me. Early Warning Services has not provided me with any permissible purpose and without that they do not have a right to report fraudulent accounts to my consumer report. Early Warning Services furnished information from banking industries under my information which I did not have any known knowledge of, nor have I ever contracted with them or gave them permission to use my information. Early Warning Services is in violation of the FCRA which clearly states financial institutions such as Early Warning Services must provide a consumer with an opportunity to opt out of any reporting of non-public personal information. Early Warning Services is in direct violation of the FCRA. Section 1681g ( a ) ( 1 ) requires that a consumer reporting agency " upon request,... clearly and accurately disclose [ e ] to [ any ] consumer : ... [ a ] ll information in the consumer 's file .... '' 15 U.S.C. 1681g ( a ). A consumer reporting agency is liable for " actual damages '' if it negligently fails to comply with this requirement, 15 U.S.C. 1681o ( a ) ( 1 ), and it is liable for " actual damages, or statutory damages up to {$1000.00} per violation, as well as punitive damages and attorney 's fees '' if it willfully fails to comply, 15 U.S.C. 1681n ( a ). I demand Early Warning Services remove all items/accounts from their system, as I have opted out of their services per 15 USC 6802 , even though I was never properly given my right to opt out disclosure because I never opted into their services to begin with. Per Early Warning Services definitions I am a fraud victim of identity fraud from the accounts reporting from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX CO, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX North Carolina, XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and need all items furnished to be deleted from the Early Warning Services data base immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

The file I will upload are fraud accounts and inquiries, I have submitted this information over and over in still no response for over 5 months. Im a victim of theft and they need to remove these accounts
Product: Debt collection

This Debt was with NCC, Where it was resolved and moved from My credit report, with the help of XXXX XXXX XXXX.It has been moved to another Credit Angecy which is Transward System. This Debt has been solved, So why was it moved to another Angecy and back on My Credit Report? It needs to be Removed Again. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/19 i spoke with XXXX XXXX at RS Clark, who agreed to take payment and to remove and delete from my credit. They instead filed new status of late payment instead of delete and remove. I want them to do what they agreed to do and remove and delete from my credit report immediately. account is under XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I checked my credit files and these unauthorized inquiries showed up on my Credit. I did not apply for employment with your organization nor did I request credit from any of these organizations.

1.XXXX XXXX 2.XXXX XXXX 3.XXXX XXXX XXXX XXXX 4.XXXX 5.XXXX XXXX 6.XXXX XXXX XXXX 7.XXXX XXXX XXXX  8.XXXX XXXX XXXX XXXX 9.XXXX  10.XXXX XXXX 11.XXXX XXXX XXXX 12.XXXX XXXX 13.XXXX XXXX
Product: Debt collection

Since 2021 I have been receiving emails from First National Collection Bureau , IncXXXX Their Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim I owe them a debt in the amount of {$770.00}. I have explained to them before I had never done any sort of business transactions with their said creditors, to be sure that I have never done any business with their creditors I check my credit report. And they are not listed on my report. I've explained this to them previously but it seems as if they are not understanding.
Product: Debt collection

THE BELOW-LISTED COLLECTION AGENCY HAS CALLED ME A NUMBER OF TIMES AND MULTIPLE TIMES IN A DAY.THEY EVEN CALLED WHILE I WAS STILL IN THE HOSPITAL AFTER XXXX XXXX  XXXX JUST RECENTLY. I ASKED THEM SEVERAL TIMES TO STOP CALLING ME. I ALSO INDICATED THAT I WAS FINANCIALLY DEVASTATED BY COVID AND BECAME XXXX AT THE SAME TIME. WHEN REPORTING THAT INFO TO THEM, THEY SAID I WAS LYING ACCORDING TO XXXX. I WAS TOLD I CAN JUST GIVE THEM MY SS INCOME TO RESOLVE THIS MATTER, AND LASTLY, THE DEBT IS INCORRECT. 


PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received an alert from my credit monitoring service about an inquire from XXXX XXXX in XXXX, wa XXXX ( XXXX XXXX ). Up unit that point I was unaware of this attempt for credit nor did I authorize it. The XXXX XXXX never allowed service to the perpetrator but they did add a inquire to my credit report with transunion.