23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I emailed the management team with no response according to Texas law 91.006 Ending a lease early they continue to owe the landlord rent under the lease. They stop owing rent once the lease ends or a new tenant is found. I moved out XX/XX/2023 and a new tenant moved in sometime in XXXX. Because I received a XXXX  notification on XX/XX/XXXX and also a phone call from the leasing agent to retrieve the code for the new tenant. I contacted the office to have this matter resolved before collections was done but received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

STATUS XXXX XXXX made this response about the improper use of my information on XX/XX/XXXX. 

Company 's Response The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of XXXX XXXX member XXXX XXXX. The complaint was assigned a case number of XXXX. XXXX XXXX has reviewed XXXX XXXX concerns. Our records show that our member established the following XXXX XXXX accounts : a credit card account ending in XXXX on XXXX XX/XX/XXXX, a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX, a credit card account ending in XXXX on XXXX XX/XX/XXXX and a used vehicle loan account ending in XXXX on XXXX XX/XX/XXXX. These are valid debts and XXXX XXXX remains responsible for their repayment. As noted in the XXXX XXXX Important Disclosures, which may be viewed at navyfederal.org, we may report information about accounts to the credit reporting agencies. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX XXXX XXXX loan and credit card accounts. We will not request the removal of valid data from his s credit file. Should XXXX XXXX have any questions, he may contact us toll-free anytime at XXXX ( XXXX ). 

I was not aware that I could opt of my information being shared to third parties such as the credit reporting agencies. Gramm-Leach-Bliley Act gives me my right to opt out and I was never aware of this. Gramm-Leach Bliley Act states that " Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. '' I want use to use my right to opt out of sharing my information to any third-party companies especially credit reporting agencies. Please stop reporting my auto loans, inquiries, credit cards, or anything else.
Product: Student loan

Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To whom it may concern, Im writing this letter to dispute the following accounts : 1. 15 U.S. Code 1692g - Validation of debt XXXX XXXX XXXX Account Number : XXXX this account does not belong to me 2. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX I have zero knowledge about this account this does not belong to me please delete from my credit report 3. 15 U.S. Code 1692g Validation of debt XXXX XXXX Account Number : XXXX 4. 15 U.S. Code 1692h Multiple debt XXXX XXXX  Account Number : XXXX please delete multiple debts This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Thank You Sincerely yours, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update to paid as agreed/never late. 
XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : XXXX
Product: Credit reporting or other personal consumer reports

SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX sending me a collection notice for the amount of {$4100.00} account XXXX XXXX I Don't know this company. I've never had any business with this company. This company doesn't have any contract with my signature.
Product: Credit reporting or other personal consumer reports

I AM FILING THIS COMPLAINT REGARDING AN INACCURATE ITEM ON MY CREDIT REPORT THAT CONTINUES TO NEGATIVELY IMPACT MY CREDIT. DESPITE MY EFFORTS TO RESOLVE THIS DIRECTLY WITH THE REPORTING AGENCY, IT REMAINS UNRESOLVED. I REQUEST IMMEDIATE INVESTGATION AND REMOVAL OF THIS ITEM, AS IT IS INCORREC AND DOES NOT REFLECT MY TRUE CREDIT HISTORY.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report for XXXX XXXX XXXX with account number XXXX that I sent a dispute to Experian to provide a full payment history because I believe the statute of limitations has expired. What they responded with was only history back from XXXX and the account was showing opened XX/XX/XXXX where are the remaining months, years etc?
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Pursuant to 15 U.S. Code 1681a ( 3 ) a Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services I have been adversely affected by these blatant violations to federal law on my consumer reports by violating the clear exclusions provided to me by law, for these alleged debts : XXXX XXXX XXXX Account # XXXX Instructions : Delete my non-public personal medial information from my consumer report.
Product: Credit card or prepaid card

I received several emails from Capital One today, starting at XXXX XXXX  saying an account had been opened, password updated, and phone number changed. There were also numerous spam emails that came during this time. I called Capital One at XXXX. They said a new Capital One Venture credit acct. was opened today. Luckily, no charges were made yet. They created case # XXXX and determined it was in fact fraudulent activity. I reported fraud to all credit bureaus and froze my credit. Capital One would not give me any info about the person trying to open the acct in my name such as the phone number and mailing address they used. One of the spam emails that said another acct. was opened in my name said it came from IP address XXXX. I am currently going through and reporting many emails as spam that say I have created accounts for many random places in all sorts of countries.
Product: Mortgage

Land Home FS is unlawfully asking me to pay the amount of {$15000.00} while accepting there are not pending insurance issues and being aware of the limits shown by the Permanent Modification Agreement. 

When XXXX XXXX filed the wrong foreclosure not only made the false statement that I was in default when I was not as proved in Court on XX/XX/2018, but they also claimed the wrong amount of {$5300.00} when the right amount in the case of a real default should be {$1000.00} ( 6 months by {$170.00} ) according to the said modification. 

For Land Home FS be asking now {$15000.00} is triplicating XXXX initial abuse and by supporting a wrongful filing foreclosure in the hope to bargain that unlawful amount, LHFS is incurring into an intentional wrongful act which involves a legal action that is materially deficient, a real perversion of the legal system.
Product: Credit card or prepaid card

I agreed on XX/XX/XXXX, XXXX XXXX XXXX to install closet organizers in my home. The sales rep told me the store offered an interest free financing for a year. I agreed. I was told after approval that my credit limit was {$6800.00} ; 3 times the cost of the improvement. The sales rep told me I had to call Wells Fargo to ask why the limit was so high. I was told that it was a store credit card to be used at any XXXX XXXX XXXX  On XX/XX/2022 I told Wells Fargo I wished to cancel the credit card. I also canceled the order with XXXX XXXX the same day. I was assured by Wells Fargo that my credit card was canceled. I know XXXX XXXX canceled the purchase because the down payment was refunded on my XXXX credit card. On XX/XX/2022 I received a new Wells Fargo store credit card. I never wanted a Wells Fargo credit card. I thought when I requested the credit card to be canceled, Wells Fargo would honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine. Credit Bureaus are misrepresenting that I owe this debt and yet they could not substantiate its representation.. They have provided information while knowing or having reasonable cause to believe that the information was inaccurate. They failed to abide the provisions of FCRA that's why I am filing this complaint XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) , XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, my student loan was paid in full due to my federal income taxes being offset. XX/XX/XXXX/XX/XX/XXXX i received a check for XXXX dollars and change for " student loan repayment ''. XX/XX/XXXX i received another check for about XXXX dollars for " student loan repayment ''. XX/XX/XXXX/XX/XX/XXXX i received another check for about XXXX dollar for " student loan repayment ''. Department of education says my student loan is currently under BORROWER 'S DEFENSE but currently reporting to all credit bureaus as DEROGATORY/SERIOUSLY PAST DUE. On XX/XX/XXXX i called department of education default resolution group and they told me they can not change how its being reported and i can make a payment of XXXX to get out of default even though its under borrower 's defense and these loans will soon be discharged under the XXXX XXXX lawsuit. ( Also if i make that payment of XXXX it would be sent back or maybe even rejected )
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello! I was referred to you by the XXXX XXXX XXXX XXXXXXXX and XXXX XXXX, who said that they were not " the correct service to handle my concerns. '' this was a report sent to XXXX, but I'll give this a shot : I was called about receiving a loan from XXXX XXXX. 

Website : XXXX XXXX XXXX ( the email in the contact info is unusable ) While there is a legitimate service called XXXX XXXX, which is now XXXX XXXX XXXX XXXX XXXX XXXX, I must've been contacted by the wrong service. 

I did not agree to approve the loan as I was still considering the choices, but during the " verification process '', large sums were deposited to my bank The agent has been calling me nonstop to return the deposits by going to the bank, taking out XXXX of bucks, getting gift cards, going to the ATM, transfer funds from XXXX Codes, etc. As a result, I went over my bank transaction limit and my XXXX account has been suspended. As of XX/XX/XXXX, my bank is frozen, placed in the negative after reversing the deposits, and my bank sent me mail regarding the deposits, confirming to be fictitious checks. I was also sent a text threat. I did contact FBI and the gift card services. 

So far, I have been unable to progress on my balance, but I did get a new account as I only receive funds from employment.
Product: Credit reporting or other personal consumer reports

I inquired of the XXXX XXXX XXXX if they provided the XXXX credit reporting agencies my financial information without my consent. They state they have not provided the information. I sent a letter to Equifax, XXXX, XXXX and XXXX XXXX. They all stated they validated the debt and the information remained on my report. I received a letter from the XXXX they had not validated any such information. This is incorrect reporting without my consent nor the Courts consent. This violates 15 USC 1681 ( b ). 
None of the companies have sent me any documentation of validations or consent from the originating party.
Product: Mortgage

I requested and received from Shellpoint Mortgage Servicing COVID-related forbearance for the months of XX/XX/XXXX-XX/XX/2020. I resumed full payments on XXXX XXXX and have timely paid every month since. Shellpoint indicated that my loan forbearance would convert to a loan deferment. That is, that the missed payments would be deferred until the end of the loan. This is in keeping with deferment for qualifying mortgages under the CARES act. Instead, at the end of the forbearance period, Shellpoint reported to the credit bureaus that I was 60 days late on payments. I contacted Shellpoint about this issue inXX/XX/2020, after receiving an alert from my credit monitoring service. Shellpoint has already received all relevant documents via separate correspondence.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXXXXXX, KS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX
Product: Mortgage

I called my bank, and was referred to an outsider, XXXX XXXX, for the loan information I was requesting. He text me her info, since I was driving and had no pen or paper. I called her, gave her my information, and she emailed me what else she needed. She told me that I 'd hear back from her tomorrow ( Tuesday ) I emailed at XXXX, text and Called her, with no response until hours later, with " I 'm sorry I did n't receive it back yet, sorry for the delay, hopefully tomorrow '' I tried calling her twice on Wednesday, and received no answer, or call back. I 'm not comfortable that she has all my personal information, is n't with the company I was told she was at, and is n't returning any phone calls, texts or emails. It 's very unprofessional, and nerve racking, since I gave her info to run my credit, and info that could ruin my life. I talked to another lender, and she told me it 's likely if she 's switching companies, that she does n't have her license 's arranged with the new company and ca n't access the system to run my info for a pre-approval. If that 's the case as well, she should 've been up front, open and honest about switching companies. I would 've never given her my info that being the case, because I have a very Time sensitive situation and am needing to see all my options now. Being a first time home buyer, this puts a bad taste in my mouth, and I will be telling everyone how poor of a job she did. Her job history as well, shows that she bounces from job to job, which I wish I knew before. Lesson learned.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$210.00} XXXX XXXX Balance : {$500.00} XXXX XXXX Balance : {$230.00} XXXX XXXX Balance : {$130.00} XXXX XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

Last XXXX I filed a complaint regarding Wells Fargo Bank. The problem involved a refund being posted as a payment, resulting in my payment due being shown online as {$0.00}. Shortly thereafter, I was charged interest on my account because I had not made the full payment. That complaint ID is XXXX. I stopped using that card with the intent of closing it once I had changed all automatic billing and the billing cycle had closed. I made my final payment on XX/XX/23 and had a balance of {$0.00} on my credit card account. However, when I checked online today, I have an outstanding balance of {$21.00}. Yet, no charges have been posted since I paid off the balance. 

I called WFB today and asked why I have an outstanding balance. The person told me, " We're having issues and someone will contact you in XXXX business days. '' At the risk of sounding cynical, I think the only issues WFB is having is when someone actually checks their banking records and notices that the bank is posting charges or doing other things to increase the bank 's revenue. As I said in my previous complaint, I think WFB is intentionally defrauding customers- again. And this time, I captured the screen shot, because I remember them stating last time that I was wrong, even though my calls are made " on a recorded line ''. Of course, they would not provide copies of the calls where I was told that the refund had been credited as a payment.
Product: Checking or savings account

I purchased an airline ticket from XXXX on XXXX. 
After making the purchase, the hold was placed on the account for {$530.00}, the purchase posted to the account on XX/XX/22 and today XX/XX/22 Citizens bank still have the item on hold and told me they won't help me. 

I spoke with a supervisor XXXX who was rude and had a nasty attitude. She stated that she is not going to assist me. 
With the additional hold on the account Citizens bank refused to help with so that they can charge me overdraft fees. 

I reached out to the agent via chat and also via phone and neither of the agents assisted me, instead I was told that they will not release the hold from the account.
Product: Credit card or prepaid card

{$600.00} XXXX XXXX on XX/XX/2022, Didn't receive product purchased and Cash App denied claim.
Product: Credit reporting or other personal consumer reports

I opened a credit card with XXXX card from XXXX XXXX XXXX ( hereafter known as XXXX XXXX ). I made a couple of purchases using my iphone which had gotten automatically linked to the XXXXXXXX XXXX. I should have gotten a monthly statement of bill by mail to make my card payment. I did not get any such bill for months. They were sending statement by email which was going to my XXXX folder so I was not aware. As I was not aware of the monthly due amount I was unable to pay the bills. XXXX XXXX finally after 90 days of not receiving the payment reported it to credit reporting agecies which adversely affected my XXXX score which had been meticulously built over the last XXXX decades. 

In all the time not once did XXXX XXXX mail me a bill or a notice of past due to my home mailing address. If they had I would have paid the bill right away. I found out about the outstanding bill when a mortgage company pulled my credit report and saw this late ite. I was surprised and taken aback. I settled the bill including interest right away upon learning of it. 

I wrote to apple card to show a one time consideration to withdraw the delinquency to not impact my impeccable credit history but they refused. This is clearly their fault for not having corresponded by mail when a bill was due. 

I request your help in restoring my credit history. I am in the market to buy a home and it is impacting my ability to get a good mortgage.