23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My debt was purchased by National Credit Systems from my former apartment complex XXXX XXXX XXXX. 
When I left XXXX XXXX apartment complex, I was on a month-to-month lease and had a non-refundable security deposit that was used for cleaning and minor fixes. I paid my final month 's rent and asked the property manager if there was anything else that needed to be settled before I moved out and she confirmed that I was in the clear. 
I did not get any notice about this debt until a year after I had already moved out and it was not from Avenue, it was from the collections agency. 
My apartment was riddled with mold for several months, the apartment management knew this and neglected to inform me- I didnt learn about it until 2 months after they knew, and I only found out because my downstairs neighbor was talking about it. 
I do not owe them any amount of money and I have seen the criminal things they've continued to do to other residents since I've moved out ( it was on the local news ).
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I am attaching a 3 year timeline of how I have been experiencing the improper handling of my Deed in Lieu with XXXX and Shellpoint. I am still continuing to experience the same stalling tactics as they have improperly closed my DIL twice forcing the process to start over. They failed to send me the DIL package from our original conversation on XX/XX/XXXX, it took months of follow up before I received the package. Once I was approved for the DIL process, they stalled on assigning an inspection date for my property and closed the case without notice ( XX/XX/XXXX ). In addition, to the re-opening of the case ( XX/XX/XXXX ), the assigned XXXX representative became missing in action in XX/XX/XXXX, only to find out that he no longer was working for XXXX and in doing more follow up it was confirmed Shellpoint was taking over XXXX customers XX/XX/XXXX. Shellpoint received my file XX/XX/XXXX and assigned my representative and she would be sending an update regarding the final paperwork status. I had a second mortgage with XXXX, which was satisfied and closed XX/XX/XXXX and XXXX submitted all documents to XXXX in addition to the discharge to the County records on XX/XX/XXXX and recorded XX/XX/XXXX. 
I sent several copies of the Register Of Deeds, as well as the Deficiency Waiver from XXXX on XX/XX/XXXX to meet the clean title requirement and was told several times that I need to have the release of mortgage from XXXX. This process continued from XX/XX/XXXX until XX/XX/XXXX. I clearly stated in email dated XX/XX/XXXX that I felt harassed to provide documents they had access to and I felt they were looking for a reason to close my DIL again as they were threatening if the documents wasnt sent, they will close out the DIL. They refused to do a Title search and kept requesting me to send the same documents.all the things that XXXX had already provided to them and can be found on the Title search. I continued to oblige and paid for the recorded deed to avoid the threat of them closing my case. 


As a result of the continuous stall tactics, mismanagement and lack of due diligence on my case thats been clearly demonstrated throughout this process, I am not accepting a denial of my Deed in Lieu due to a newly revealed ownership change that occurred on XX/XX/XXXX with the county deed office due to a tax sale, when Shellpoint could have acted timely from XXXX XXXX XXXX, XXXX to avoid any transfer of property. 

I have copies of all emails and phone calls that have been documented during this entire ordeal and it is also worth mentioning that I have also fought 2 battles of XXXX ( XXXX and XXXX ) during this 3 year period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want XXXXXXXX XXXX to correct my Credit Report to show accurate information. 

By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX. 

I ca n't get a loan at this time because of XXXX XXXX Inaccurate Information on my Credit Report. 

I want an investigation as to why they have n't corrected my Credit Report. 

Waiting for a Reply. 

XXXX XXXX
Product: Mortgage

My home was damaged during Hurricane Florence. My mortgage company servicer LoanCare decided to progress monitor my claim. This required me to endorse all checks to them. After finally getting the insurance company to approve the damages and finding a contractor that was willingly to work with me and meet the requirements that the mortgage company servicer set forth, the work began on my house XX/XX/XXXX. The mortgage company servicer stated that before work began I would be sent 25 % of funds to pay the contractor. An additional 25 % would be paid when the contractor was at 50 % completion of repairs and the remaining 50 % when the work was completed. I requested the inspector to come out to inspect the property on XX/XX/XXXX. Per there policy the inspector was to contact me with 6 days. It is now XX/XX/XXXX and I havent heard from the inspector. Whenever I call Loancare requesting an update they put me on hold for extensive times and tell me they sent it to the escalation department. I didn't receive the full 25 % up front. Of the XXXX they are holding I have received only {$2000.00}. The contractor is waiting on funds and the repairs are 100 % complete.
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. I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX bank Account # : XXXX. In addition, I do not recall being late on my XXXX account all my payments were paid on time and never late. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 ) X1 ) 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. Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case.
Product: Checking or savings account

I have filed several valid early verified disputes with my bank currant fin XXXX  most of wich have been wrongly denied example dmv. I tried to pay my registration with my debit card and the transaction was declined why I don't know but I paid with a credit card from different institution and I see a charge for a different amount than what I paid so I contacted dmv they say they can't refund the transaction because ther records don't reflect a charge from that card or amount tell me file claim with bank I do they say no error has occurred they never contacted dmv asked for documents supporting their response nothing from dmv there is a claim I have been waiting 4 years for a desion and they won't issue a provisional credit after 4 years or respond I booked a hotel didn't show up hotel kept the deposit and room fees filed a claim denied someone needs to stop them they are just giving away my money for no reason
Product: Debt collection

Portfolio recovery associates LLC has been trying to contact me through mail and phone calls stated that they are an collection agency collecting a debt from XXXX XXXX in the amount of XXXX. I stated to the consumer service agent that I had reported this to consumer service fraud team regarding that amount. I stated that I had expressed to the fraud team in XXXX XXXXXXXX that those charges are fraud and they havent used my credit card in over 6 months and I was told when signing up with XXXX XXXXXXXX credit card on XX/XX/XXXX that once the account goes without any activity in over several months that the account will get closed for inactivity. I was under the impression that my account with XXXX  XXXX credit card was closed until I received a letter in the mail stated I owe XXXX. The account went delinquent on XX/XX/XXXX and the account was charged off on XX/XX/XXXX XXXX tried to fix the problem with XXXX XXXX for a very long time and the fraud team was no help and they put me in collections. On XX/XX/XXXX portfolio recovery associates LLC brought the debt from XXXX XXXX.I placed over several disputes with portfolio recovery, XXXX, XXXX, XXXX regarding the fraud on my XXXX XXXXXXXX account, these disputes took place on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. None of these disputes were in my favor. I been harassed by portfolio recovery with calls and letters stating i owe money and they also stated over the phone if I dont pay them they will take me to court and garnish all my money and assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently sent around XX/XX/2020, a complaint to this company XXXX XXXX XXXX XXXX stating that the information on my credit report was inaccurate. Their response was they verified the information but did not disclose the method they used to verify if it's accurate. I'm requesting another investigation and requesting that this charge off is removed from my credit report immediately. The 3 credit bureaus are reporting my paid-off account as a charge-off. This account has been settled and needs to be taken off my credit report immediately. These negative items are preventing me from qualifying for a home loan or car loan which is crucial especially during this pandemic where things can change overnight.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following Items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  Balance Owed : {$860.00} XXXX & XXXX XXXX Balance Owed : {$310.00} XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} XXXX XXXX XXXX Balance Owed : {$4000.00} XXXX XXXX XXXX XXXX Balance Owed : {$380.00} XXXX XXXXXXXX Balance Owed : {$850.00} XXXX  XXXX Balance Owed : {$760.00} XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft for a couple years now and my wallet was stolen with my social security card and Id and credit cards. Someone has opened up a fraudulent items in my name and does not belong to me. It is now reporting to my credit and it is fraudulent. The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

In the past, the account Im disputing went from one debt collector to the next which led me to believe they were just selling my information between colleagues or something or the sort. XXXX XXXX credit was paid in full many many many years ago and the account was closed. I never touched it again. I was about XXXX and since then havent touched a credit card since. Im a XXXX and primary rely on just cash. Pay my rent in cash/ money order and have a prepaid debit card to pump gas and other little things or my mother usually books more important stuff like flights and hotel rooms on her own credit card. This item thats being reported on all 3 bureaus is incorrect and am tired of it just sitting there
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not approved to open a XXXX credit card today XX/XX/19 because there are accounts reflecting badly on my credit report ; I was not aware of these accounts until today. None of those accounts belong to me nor did I allow anyone to open these accounts in my name. I have no idea who is responsible for opening these accounts on my behalf without my consent but I have already filed a police report. I did not benefit anything from these accounts such as money, goods or services and I did not make any purchases or payments towards these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a large amount inquiries that I didnt authorize or have knowledge of. My information was leaking and my private information was leaked and since this breach I recently pulled my reports for the first time and was alarmed at all of the hard inquiries that I was not responsible for nor did I authorize. I submitted a police report and the credit bureaus refuse to help. I am aware that reporting fraudulent information on a credit report is illegal. And this is hindering my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I successfully refinanced my property with XXXX and paid off the outstanding debt owed to XXXX Mortgage. My first payment on the new term commenced on XX/XX/XXXX. I made two payments in XXXX towards my mortgage payment of {$1400.00} before the end of the month. Then in XX/XX/XXXX, I paid the full amount owed on the XXXX of XX/XX/XXXX to avoid a late payment. Since making my first full payment for XXXX and also XXXX I have not seen my mortgage payments reflect on my Experian credit report nor other credit reports. My DTI ( debt to income ) ratio has taken a big hit. In XX/XX/XXXX, I asked XXXX to place my account in forbearance due to XXXX XXXX XXXX which they verbally agreed over the phone on XX/XX/XXXX when I spoke with an agent named XXXX XXXX. XXXX has been looking for a way to repossess my property by negatively reporting or labeling the account as delinquent inspite of the fact that two additional payments were made towards covering my principal and interest in the amount of {$950.00} on XX/XX/XXXX and XX/XX/XXXX. These payments were made on my behalf by a XXXX program sponsored by my county for people affected by the pandemic. Furthermore, my account has a surplus payment as XXXX never refunded the difference of the amount it withheld for my XXXX property taxes. They erroneously overcharged my account twice for the same XXXX XXXX tax. I have made multiple inquiries with them and they keep saying that it is under review. They sent me the wrong forms for mortgage assistance which I understand ought to be completed only after a covid-19 forbearance elapses. By XX/XX/XXXX if they do not roll over the excess payments in my account to cover XXXX 's mortgage and/ or place my account in the COVID forbearance, it would negatively report as a delinquent account and this will harm my credit worthiness. XXXX is purposely doing to damage my credit and to find a devious way to possess my property if not stopped. I have never failed to make payments on my mortgage or been in this precarious situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i To Whom It May Concern, I am formally disputing the following accounts listed on my credit report due to several inaccuracies. As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, inaccurate or unverifiable information must be corrected or deleted within 30 to 45 days of a dispute. 

The accounts I am disputing are as follows : 1. XXXX Account # : XXXX 2. XXXX XXXXXXXX Account # : XXXX 3. XXXX Account # : XXXX 4. XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX XXXX. XXXX XXXX XXXX Account # : XXXX 8. XXXX XXXX Account # : XXXX The information reported on these accounts contains several discrepancies that violate my rights under the FCRA XXXX I request that each of these accounts be verified for 100 % accuracy across all three credit reporting agencies or immediately removed from my credit report if the information can not be verified. 

If this matter is not resolved within the 30 to 45-day timeframe, I will have no choice but to proceed with legal action to seek damages of {$1000.00} per inaccuracy, as permitted under the FCRA. 

Please provide me with the results of your investigation in writing, along with an updated credit report reflecting the necessary corrections or deletions. If you require any additional information from me, please let me know immediately. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I am writing to formally dispute a collection account that has been placed on my record regarding a rental property managed by XXXX. I have never resided in any XXXX-managed property, yet this collection reflects a balance of over {$17000.00}, with claims that no payments were made toward rent at this location.
Product: Debt collection

This account I do not recognize is not valid and has already been disputed with another collection company.
Product: Mortgage

BMO Harris Bank gave me forbearance on my loan from XXXX to XXXX of this year. They also changed loan services and gave me a new account and now the servicer is saying that I made an XXXX payment and I have a late charge of {$510.00} with in fact I made no XXXX payment. Please see attached documentation. I can not get through to anyone at the loss mitigation department and when I called the new servicer they are extremely rude and tell me that I have to speak to BMO Harris Bank about the late fee on a payment that was never made due to forbearance which is documented. They also tell me that I need to write a letter to the research department to solve the issue when this is completely their problem. I know XXXX XXXX XXXX as I worked at the XXXX in DC during the XXXX XXXX and this is something seriously wrong. I helped create the CFPB for this very reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my credit, I noticed an inquiry from your company. I did not apply for credit with your company nor gave the authorization to pull my credit. I have contacted XXXX they have provided no proof I initiated such inquiry nor written authorization, and have failed to provide any permissible purpose.
Product: Credit card

I received my credit card bill and I have a credit on the account of XXXX. This bill is as of XX/XX/XXXX. I called USAA XXXX and asked that I receive a check in that amount. The first representative could not figure it out so I went a a person " XXXX '' on the " XXXX resolutions team ''. She pulled up that statement and agreed that I did indeed have this credit on the card. She said " other charges had come in '' and refused to process the check to me for {$71.00}. I indicated to her that this is a CREDIT CARD and that until my next bill date I am current on my account and that I am under no obligation to pay my bills in ADVANCE as this is a CREDIT CARD. I also informed her that she was in violation of the law and that I would be contacting you. 
She said " that is your right ''. Thus I am contacting you to have this check issued immediately for the {$71.00} and stop this practice and fine them for their flagrant violation of consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX bank is showing a balance after being charged off. It is still reporting as late every month
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX VA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account number : 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: Student loan

As recently as XX/XX/XXXX, I have requested several times since XXXX to have my PSLF qualifying payments reviewed by Myfedloan.org. The only response I received was in XX/XX/XXXX, saying that at that time I had 77 qualifying payments. I have been making payments since XX/XX/XXXX - which means currently I should have around 109 qualifying payments - and in XX/XX/XXXX I should have had approximately 97 payments - I have bank statements showing these payments were made, and have been at the same non-profit qualifying employer since XXXX. It looks that the review is still missing approximately 20 qualifying payments. I have asked to have this reviewed 3 times since XX/XX/XXXX and have yet to receive a response. I have asked that they please recalculate my qualifying payments, or send me a response explaining the discrepancy as to why there are 20 less payments than there should be. 

They're most recent response came at the end of XX/XX/XXXX, stating " Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. '' It has now been another 2 months with no response.