23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I verbalized the dispute over the phone on the XXXX of XX/XX/XXXX and sent notice of the dispute to Genesis, XXXX, as well as the district on XXXX, XX/XX/XXXX. 

Regardless of the dispute, Genesis ( 2 months later without acknowledging the dispute ), still reported negative information on my credit report in an attempt to still try to collect. Genesis also failed to tell/notify any of the credit reporting companies who they reported my debt to, that I disputed the debt. 

I requested proof/receipt as well as an itemized list of discrepancies. 

My son moved out of the apartment ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. A moveout inspection was submitted the XXXX of XXXX no acknowledgement, but noted on the final statement. On XX/XX/XXXX ( a year later and after residents had already leased and moved out of the residence ) we received an inaccurate/false statement of damages sent by the apartment complex. False statement, because there were no receipts and the statement had pictures of my son and his roommates pointing to damages when they moved in. 

I contacted the apartment that day to point out the issues because it was mentioned that it may have been a mistake and the bill/statement was meant for the tenants who moved in afterwards ( which still made no sense ), as this was over the 60 day time frame Arizona law requires.

The damages from the pictures attached to the statement, were left from the previous tenant and the complex was never professionally cleaned. We have receipts from the XXXX XXXX of all the cleaning supplies we had to purchase. 

There were multiple rooms, but not my son 's room. Also, every roommate recieved the same charges to the same room, despite renting different rooms. 

I requested ( 3 different times ) an itemized receipt for the damages noted.

1. the conditions were pre-existing to our tenancy.

2. The claims are untrue or invalid, for a variety of applicable reasons.

3. The charges, although based on actual damages, are excessive, 4. The claims are unclear because they are vague, not itemized.

5. The damages reflect normal wear and tear.

To make matters worse, Genesis sent a misrepresented and false statement/validation note last week ( outside of the 5 days after first contact ). The statement received in the mail last week, excludes the " comments '' which depicts pictures of XXXX XXXX pointing to discrepancies when he moved into the apartment, showing direct proof that Genesis knowingly and maliciously altered the statement to make it seem as if these fabricated charges were true. As a debt collector Genesis knowingly used false, deceptive, and misleading representation or means to collect or attempt to collect a debt by falsifying the statement.
Product: Credit reporting

here is a XXXX account that is showing on my credit along with he address of XXXX, ct XXXX, As well as a XXXX bill with a balance of {$800.00} thats reporting late that are not all mine. This item has been disputed with EQUIFAX several times. asking for proof into this matter and this account being mine. Also for the account to be deleted and they refuse to delete as well as provide any proof on these accounts that they are reporting on my credit. these accounts are damaging my credit & I 'm currently wanting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that XXXX has failed to respond to my inquiry dispute letter that i sent via certified mail on XXXX/XXXX/XXXX. As a consumer, I have rights under the FRCA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter. According to the USPS, XXXX received my dispute letter on XXXX XXXX. Please remove the following inquiry from my report as pursuant to 15 U.S.C 1681b section 604 ( c ) ( 3 ) of the Fair Credit Reporting Act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. Sallie MaeXXXX.
Product: Debt collection

I notified Capital One Bank USA NA twice by certified mail return receipt with a Notary presentation included in regard to my consumer right to opt out of my transactions ( late payments ) being reported to consumer reporting agencies as stated by 15 USC 1681 ( a ) ( 2 ) ( A ) ( I ) ; the reporting of transactions and experiences. Capital One Bank USA NA never replied and continue to report my transactions during the dispute. They never gave me my disclosures as stated in 15 USC 6802 ( b ). 

Capital One Bank USA NA also falsely stated on my consumer reports that my dispute was resolved, and they never notified or addressed me about the substance of my dispute.
Product: Credit reporting or other personal consumer reports

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX is reporting that an account was charged off /delinquent, when in actuality the account was charged off in XXXX. This has resulted in a significant decrease in my credit score.

JPMCB has reported a charged off account as charged off each month from XXXX XXXXXXXX XXXX XXXXXXXX. 

XXXX XXXX has reported an account as charged off each month from XXXX XXXX XX/XX/XXXX each month.

I believe this is a violation of 15 U.S.C. 1681e ( b ) of the Fair Credit reporting Act. This is both misleading and inaccurate. A charge-off is a one-time occurrence, and reporting it as recurring violates FCRA regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan from WFDS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WFDS, and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WFDS with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

After reviewing my accounts and statements, I noticed several charges from 2 or 3 different merchants but all being ran through XXXX. I contacted Chase Sapphire and gave them a list of unauthorized charges, this was over 30 days ago. These charges are NOT disputed purchases of some kind. These are complete Fraudulently charged charges. I never ordered any service, purchased any goods or signed any contract with these merchants. It has been over 30 days and I have received no credit, no response or any type of correspondence from Chase Sapphire. Usually if there is a fraudulent charge on your credit card then Chase would reach out to the merchant and have them provide some sort of proof for the transaction, a copy of an invoice, receipt, contract, or anything to prove this was valid. This shouldnt be that difficult, now that I have paid chase for these charges they are giving me a hard time and thr run around. They advertise XXXX  % liability for fraud on your cc, that is false advertising. There is absolutely nothing these companies will send to prove any transaction took place. This is all out fraud and the my own bank should have immediately credited my account. These charges exceed {$70000.00} that I have paid Chase Sapphire, I have held my account in the best standard over the 6 years I had it, I would pay the card in fullany times. Not once have I had a dispute or an issue until I discovered these charges.
Product: Debt collection

I have previously filed a complaint with the CFPB and the response from Weltman , Weinberg & Reis Co, LPA that is handling the debt collection case for XXXX, XXXX is not correct. Yes - Weltman, Weinberg & Reis, did provide the original loan agreement from 20+ years ago for the furniture debt, from XXXX XXXX that went out of business. This loan was consolidated into my Mortgage and was included in my Judgement in PA when my home was foreclosed on in the early XXXX 's. Furthermore, Weltman, Weinberg & Reis did notify me AFTER they received a judgement for this debt in XXXX XXXX XXXX, however, I was not made aware or notified of the debt at that time nor the court date. I was not living in PA during this time, and was only notified by correspondence to my new address in Ohio AFTER the judgement was obtained. I have requested to have a hearing in XXXX XXXX XXXX with XXXX XXXX and have provided paperwork to the courts. I have offered since being in contact with the debt collector on 3 separate occasions a settlement on the original amount of the debt. The debt has increased from XXXX to over 12,000.00 due to a 6 % interest rate that the attorneys nor XXXX, XXXX will stop. WE NEED HELP IN RESOLVING THIS!. We are now being threatened again with garnishment papers. When I contacted the atty 's office on XX/XX/XXXX, they stated that the account notes show NO SETTLEMENT. The collector was very rude and stated that they tried to contact me and their collection notes show no answer. I proposed a settlement on the original amount as I have acknowledged the debt, however, I do not agree on the unscrupulous business tactics that were done to obtain a judgement and NOT STOP THE INTEREST from accruing all these years.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX  XXXX XXXX and XXXX  XXXX XXXX. I did not apply for these credit cards, and called XXXX on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Debt collection

You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine.

For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : XXXX. XXXX. XXXX. XXXX. XXXX. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. 
What is your authorization of law for your collection of information? 
What is your authorization of law for you collection of this alleged debt? 
Please send evidence your authorization to do business or operate in the state of ( Your state ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed.
Product: Debt collection

I am not liable for this debt with LVNV FUNDING LLC. I do not have a Contract with LVNV FUNDING LLC. They did not provide me with the original contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Original creditor : XXXX Acct # XXXX {$540.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Acct # XXXX {$170.00} Credit Collection Original Creditor : XXXX XXXX  # XXXX {$210.00} XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00}, 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 instruction
Product: Credit reporting or other personal consumer reports

They put on my credit report that I bought the car a year later than a year that I bought it in XXXX I bought a XXXX XXXX in XXXX from XXXX  XXXX in XXXX XXXXXXXX XXXX I paid it off a year early and instead of putting the truth on my credit report they're putting that I bought the car a year later so that I can't get my credit history corrected by making it look like I paid it off on time they aren't giving me the credit that I did they made my credit go down to XXXX when it was almost XXXX and now it's hard for me to get a place I have to move and I can't get the place because of this credit rating that they put on there that makes it look like I bought it a year later than I did when I paid it off a year earlier then I was supposed to
Product: Student loan

I have made numerous attempts with Navient to get my monthly payment reduced on a private student loan. Since this loan went into repayment again in XXXX 2015, I have maxed out all of my credit cards and now I can not pay them, I had to surrender my automobile and purchase a cheaper one ( but the payment is still high because of my credit score ). I am even to the point that I am considering filing Chapter XXXX Bankruptcy on top of the Chapter XXXX I filed 3 years ago. Everything was going well after Chapter XXXX until the Navient Private Loan went into repayment again. Navient says because I have a cosigner, they are able to make my payment, but my co-signer says they can not make the payment. I have gone through the financial worksheet with Navient and I only have a disposable income of $ XXXX/month to pay these loans. They claim my cosigner has enough income left that my payment is $ XXXX/mo. I have asked for forbearances and I have been denied. I have asked for help numerous times and I am always told there is nothing that can be done for me. I keep hearing about how Private Student Loan Lenders are working with customers, but Navient has failed to work with me.
Product: Debt collection

I pulled my once a year free credit report an last year report.Unfamiliar with Discover Bank on my credit report. This account is unauthorized and fraudulent.
Product: Credit reporting or other personal consumer reports

I sent a Complaint via CFPB on XX/XX/year> to the credit bureaus requesting that the XXXX Account listed on my report be removed for multiple discrepancies and a violation of the FCRA. The bureau responded that the account was valid and updated on my report which is inaccurate and a violation of my rights. 

Please conduct a thorough investigation into these accounts and provide me with written confirmation that they have been removed from my credit report. I expect a response within the 30-day period as required by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and i noticed for the second time an account on my consumer credit that should not be there. XXXX XXXX XXXX XXXX XXXX acct. # XXXX the last payment amount XXXX on my Equifax credit report does not match the XXXX XXXX XXXXXXXX XXXX  XXXX the amount XXXX. ( See attached XXXX XXXX letter dated XX/XX/2021 and Equifax credit report file # XXXX. This is a violation of the FCRA 611 1681i. Please delete this account from my Equifax consumer credit report now and send me a corrected copy of my credit report
Product: Debt collection

The NY Department of Social Services paid my XXXX and XXXX bill when I was laid off. I am paying the Department of Social Services back for this. I am receiving collection notice for this debt that was paid in full from a collection agency several years later.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau has aliases and wrong information in my credit report i have no aliases
Product: Debt collection

In the winter i talked to midland credit company i even requested to speak to a supervisor in an attempt to try to validate the debt and settle i requested documentation stating that they did indeed purchase the debt and a debt validation letter. i was told a letter was sent back during covid to an address in XXXX XXXX illinois and i even pointed out that on my application with XXXX XXXXXXXX an address in XXXX XXXX illinois was listed so what made the agency send one to the wrong address. i told them i did not recieve the letter as i do not live in XXXX XXXX they stated well we sent one and we have proof. to which itold them yes they have proof they mailed a letter to the wrong address as i do not live there. the man on the phone got aggressive and stated did i think i can just add up money on a credit card and not pay it that he wanted his money i told him i needed to verify the information and he stated they mailed me the letter. after i told him i only found out about them because of my XXXX XXXX account. i have yet to recieve the documents requested. on another occassion they called me and i asked for them not to call me back i blocked the number and they called me from a different number that same day. another occassion i answered the call and asked what the call was in regards too i repeated yes what is this call in regards to and the woman on the phone gave me a name date of birth and full social security number i asked if the phone call was being recorded she hesitated and said yes i asked again to confirm the call was being recorded and the woman said yes i told her i never verified i was the person they were asking for and hung up the phone. to this day i still recieve phone calls from midland credit i also recieved a letter in XXXX of 2024 stating " i have an obligation to resolve this '' but i have yet to recieve the debt validaiton letter or a letter stating the debt was purchased and when this letter was sent to an address in XXXX XXXXXXXX illinois. I do not live in XXXX XXXX illinois
Product: Debt collection

In XXXX of 2016 I purchased a car from XXXX In XXXX NY about 8-9 months after I purchased the Vehicle I traded it in and the amount owed from the loan from New City Funding was added to the new loan from dealership. New city funding is stating that this vehicle was a voluntary repo and has this loan on my credit report as delinquent and I have reached out to New City Funding for them to show proof of voluntary repo which I still have not got they stated during a call that the dealer had called and said I gave the car in as a voluntary repo when I spoke with the dealership they stated that is incorrect. When I requested a copy of the certified letter New City Funding is required to send when a vehicle is repoed with the amount that was owed with proof of what the vehicle was sold for after the alleged voluntary repo and I have yet to receive anything from them and it has been well over 2 years. I have also filed a complaint with the XXXX and New City Funding has not responded to that report either. Also New City Funding stated on my credit report that the starting amount owed for the vehicle was {$6000.00} and that there was 8 payments made in the amount of {$250.00} which would be a total of {$2000.00} which would bring the balance down to {$4000.00} and they stated when they got the vehicle they sold the vehicle at the auction and I now have a balance of {$3900.00} on my credit report. Which if this vehicle was a voluntary repo there would have to be papers I signed to turn the car over to them as well proof of service for the certified letter to be sent which they do not have because I did not voluntarily give the vehicle it was a trade in and I was never served or received a certified letter from new city funding and I have attempted to get documentation from them for over 2 years and still no documents.
Product: Debt collection

Been attempting to get this debit verified and find out who this is I have no knowledge of debt. Have sent complaints and disputes along with certified letters to company also with no responses
Product: Checking or savings account

Received letter from Regions Bank XXXX XXXX XXXX XXXX, Al XXXX regarding a Standard Overdraft Coverage opt in for an account I did not have. Letter was dated XX/XX/XXXX and mailed to an old address of XXXX XXXX XXXX XXXX XXXX, Al XXXX. I do not nor have I ever had an account with Regions. I notified Consumer Protection and spoke with XXXX who said someone set up the account online. Last four numbers of the Regions Account Number is XXXX. Submitted forms requesting a fraud alert for the account on this day XX/XX/2023. I froze my credit with the three major credit bureaus and was advised by Regions to notify CFPB via Federal Trade Commission.
Product: Credit card or prepaid card

On Monday XXXX of XXXX of XXXX I tried buying airplane tickets for my vacation costing {$1700.00}. This transaction was declined by my Apple Credit Card from Goldman Sachs. They sent me a verification option which I complied with. Proceeded with the purchase again. It then again got declined. I notified Apple. I was advised to keep trying or to use a different method. I decided to keep trying. It then resulted into my account being locked. I couldnt use my card at all. I then called them again to solve this issue. The couldnt solve my issue. To this day I am waiting to be able to pay my bills. I feel penalized for basically nothing.
Product: Credit card

I have been paying a significant monthly fee on a Discover card and have made timely payments. In XXXX  I received notice that I could not continue to use the card if I didn't supply my Federal Income tax forms. I found this invasive and questioned their right to ask for this information considering I never missed a payment. When I contacted a representative, she was rude and dismissive and said they would not unlock the account. My question : if I can't use this card -- and not receive the service that this card allegedly offers -- why should I be obligated to continue to pay for a service I am not receiving. I intend to withhold payments until my questions can be answered in a satisfactory manner. My monthly payments are approximately {$140.00} and paid on the XXXX  of every month.
Product: Credit reporting or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX