23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have new and updated information regarding complaint number XXXX. Dunlap Gardiner LLP uses false and misleading information in its attempt to collect this alleged debt by use of an unlawful, yet unenforceable contractual agreement. Dunlap Gardiner LLP misuses the covenants defined terminology owner as an attempt to deceive the reader. The term owner as defined within the attached covenants identified the following entities : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX as the only owners that are bound by this agreement in which was made. Dunlap Gardiner LLP deceptively identified me as an owner to falsely claim that I am bound by the referenced declaration in which I was not a party to nor agreed to. This latest response in its entirety, Dunlap Gardiner LLP and its client admitted to committing fraud with statements such as : The owner is bound by the Declaration, regardless of whether he signed any documents at the time of purchase of the lot and the purchaser is charged with legal notice of the covenant, even if it is not stated in his own deed. Dunlap Gardiner LLP and its client willingly admitted to Fraud in the Inducement in which occurs when a person tricks another person into an agreement to ones own disadvantage by using fraudulent statements, and representations. Because fraud negates the meeting of the minds a requirement for any contractual agreement, and any contractual agreement made by fraud, is immediately voidable. The injured party can seek damages or terminate the predatory contract. Dunlap Gardiner LLP and its clients harassing attempts to enforce the terms of an unlawful and unenforceable contract by coercing payment and making threats to take personal property if one does not receive said payments is in fact extortion.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I attempted to log into my Experian account using credentials stored in a password manager. Much to my surprise, I was told that they did not work, so I then attempted to reset my password. I was asked for my phone number to receive a text message which would contain a short code needed to progress in setting the password ; however, they say that the phone number is not a match. I entered every single phone number I have ever owned and it rejects every one of them. It then tells me the following : " If you do not know your security question or PIN, you will need to contact customer care to reset your password. '' The phone number provided is ( XXXX ) XXXX. However, it is literally impossible to speak to a human at this number. If you tell the automated agent that you are trying to reset your password, it tells you to do it online. If you ask to speak to an agent, it refuses. 

In summary, this company has somehow corrupted the data on my account, including password and phone number, which I have documented securely on my end in a password XXXX. Furthermore, they have made it literally impossible to get in touch with a human to correct the issue. I need access to my account for the purpose of freezing my credit report, and Experian, in its incompetence, has failed in its duty to provide me a means to freeze my credit report.
Product: Credit reporting or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After the data breach/hack on XXXX, I went into all three agencies to freeze my credit. Both XXXX and XXXX made this process very simple and fast ; a couple of click of the mouse and it was done/locked, secured. However, when I went to secure on TransUnion 's web site, it kept taking me back to their paid for credit monitoring service ( they want {$19.00} per month to monitor/freeze my credit ). When I called, their agent ( XXXX ) explained to me that that is a part of the credit monitoring service and if I just want to freeze my credit, he would have to transfer me to another department. Low and behold, we were disconnected. 

I have since found out that the only way I can get TransUnion to freeze my credit is by sending them a letter, via USPS, with the following information : - full name, including middle initial - complete current address and previous addresses for the past two years - social security number - proof of identification ( e.g. photocopy of your valid driver 's license, passport, state ID, military ID, or birth certificate ) - address verification ( e.g. utility bill, cell phone bill, pay stub. Do not send a credit cards statement, magazine subscription, voided check, or lease agreement ) - payment ( check, money order, or major credit card ) Now, say I send all this information, via USPS, and it does not reach them but it actually falls into the hands of a dishonest person - my ID has been stolen. 

Why do they have to make this so hard? I 'm trying to do the right thing and they are making it very complicated. Make no sense to me. 

Thank you for your time XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I planned to receive {$1500.00} from a family member for paying my mortgage. She sent the money via Zelle from her XXXX XXXX account, and I received a text message from Zelle saying I had a pending payment that I needed to enroll with Zelle for. I've used Zelle before, with both my email and cell phone number verified, and yet it required me to enroll again. When I finished enrolling, it brought me back to my XXXX bank app home-screen, yet the funds were not in my account. When I called my family member, she said the {$1.00} had been withdrawn from her account, and that the Zelle transaction had been completed. 

When I looked into my Zelle activity, however, no {$1500.00} transaction is listed. I sent her a test {$1.00} Zelle payment to test if she was able to receive Zelle from me, and she did the next morning, though not immediately. 

When talking to XXXX and Zelle, they both direct me towards each other 's customer support, and both can not verify the existence of a transaction of {$1500.00} to my checking account. They both also confirm that my phone number was verified as a recipient for the Zelle transaction. 

I'm planning to wait on the payment to come through over the weekend, hopefully it just being a lag in their systems. But I find it disturbing that the transaction took money out of her account and failed to deposit it into mine, leaving it in a limbo state. Especially since the mortgage payment is due soon, and I can't afford to wait days or weeks for a payment of that magnitude and urgency.
Product: Payday loan, title loan, or personal loan

I been receiving letters & mail to my job for this loan that was send to collection since XX/XX/2020 i believe there's nothing much to say since it was send to my credit report without being & when i apply for this loan i was also told it wouldn't expired until XX/XX/2020 & it was send to collection before the due day? i was told to make 2 payments an month of {$59.00}, the information i was told was not current, after sending it to collection i still receive mail & calls from this loan company PLS trying to do take payments from my paystubs.
Product: Credit reporting

XXXX is attempting to collect a debt with very little validation. I received a bill that I have no knowledge of. I believe this is identity fraud. Equifax assisted in reporting this negative account without proper investigation. 

I decided to go and do research through the secretary of state ( Texas ) as of XX/XX/2017 ( XXXX ) XXXX does NOT have an " ACTIVE '' BOND to collect debt in the state of TEXAS. This is a huge violation. 

XXXX of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.
Product: Credit card

The following charges were made to my Ally Bank credit card. I did not authorize these charges. Ally Bank states they are valid charges. I have disputed these charges with them several times. Ally Bank is not helpful in resolving this matter. Please help. Thank you. 

XXXX {$29.00} XX/XX/2023 XXXX  {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX  {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXX {$29.00} XX/XX/2023 XXXXXXXX {$29.00} XX/XX/202XXXX XXXX XXXX XXXX {$1.00} XX/XX/2023 XXXXXXXXXXXX  {$29.00} XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This an auto loan account opened at XXXX XXXX XXXX XXXX on XXXX XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

Predatory Loan Practices Freedom Mortgage contacted me about an XXXX and stated that I could reduce my mortgage payment by up to {$150.00} and skip XXXX mortgage payments. After they captured my loan information, they gave me a XXXX  that didn't match what they stated. They then proceeded to give me XXXX more XXXX, each one showing that I had to bring more money to the table and the mortgage reduction was less. The last XXXX showed my mortgage going up {$9000.00} plus {$3000.00} to the table, XXXX time for payment extension, and a XXXX extension to my loan, all for a $ XXXX reduction in mortgage payment. I told them that I wasn't interested. Freedom Mortgage has continued with the loan processing, even when I didn't answer their phone calls or sign the paperwork. I just got notice today that the loan has been processed and they want to set up a closing date. 

Predatory Loan Practices
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX : XXXX, Account Number XXXX Equifax : XXXX, Account Number XXXX XXXX : XXXX, Account Number XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

TO CFPB, I got an alert that Trans Union has lowered my score by more than 80 points due to XXXX XXXX reporting a late payment that just happens to be in the process of being worked out with my attorneys, If Trans Union would have done their due diligence they would have known this, but once again they seem to want to side step their responsibility and take the chance of not getting fined by CFPB or the FTC. And just FYI the account that was reported as having been late has been closed and the bal. is being worked out by my attorney who warred XXXX not to do anything while this was being worked out.
Product: Debt collection

They continuously call family member even though they have repeatedly said to stop contacting them. 

I have repeatedly told them they did not to the services they asked and actually ruined pets of my car. They did not change the oil filter and gave me faulty tires.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the Inquiries and accounts I do not recognize are continued here. 
XX/XX/scrub>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 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 have never lived at these addresses and I do not know these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I should be allowed free access to my credit report and score any time I want without paying for it, its my file, my credit, and my score should be available to me free of charge whenever I request it. I feel its being withheld from me unless I pay money for it. ( ransome ) XXXX, XXXX, and Experian should have to provide scores and reports to consumers upon request for free. 
My experience is my score seems to be running backwards, the more I do to improve my credit the lower my score is going. Also items once removed just reappear, you can not dispute anything, if it does get removed it shows back up the next month. 
Experian was the reporting agency I have been dealing with and getting nowhere. They are sending me a report but I have to pay for my score.
Product: Debt collection

I rented an apartment from a company called XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When the year was up I decided to move on and was in communication with management on the issues I was having and complaints I had made which was due to my vehicles being broken into and other complaint on which I can provide videos, photos and other evidence to prove my complaints and issues. This was supposed to be a gated community and gates only work 2 months while I was there. They also had a maintenance person that was arrested for theft and breaking into vehicle that lived on site. So I really had no choice but to move. In my process of moving they were having management and staff changes and I had made several attempts to turn my keys in. During the month of XXXX. I also made several calls that I have records of to one of the new managers that was going to receive my keys which was not in on these days that we agreed on. I was never late on my rent. and they kept my security deposit for no reason. Which the manager couldn't keep her appointments or meet with me at times that she agreed. It has almost been a year now sense I moved out and now they state that I owe them {$1200.00} Which I have no clue or idea where that's coming from. Someone has obviously made some kind of mistake.This company infact owes me my security deposit of {$1200.00} Which I would like to retrieve. Since the Covid-19 and me living over an hour away Its been very difficult for to try and take to court. XX/XX/XXXX. Hunter Warfield put a collection on my credit report. Which I would like proof and records showing that I owe this  amount. I purchased a home in XX/XX/XXXX. The same month on my lease ended. Which they were aware of as well. I had moved out that same month which I have proof of. So that couldn't be possible. This was all based on XXXX XXXX XXXX negligence and failing to meet me to turn in the key because no one was ever in the office. I would like this collection remove from my credit report immediately because its inaccurate information and I do not owe anything to this company. Infact, they owe me a security deposit which I can provide proof of. What ever information Hunter Warfield has is incorrect and I would like a copy all records and my leasing agreement my departure time  and all other pertinent information as well. So I can turn it over to my attorney.
Product: Mortgage

XXXX Contacted by Select Portfolio Servicing Inc. ombudsman dept about a repayment approval XXXX New review opened requesting documents ; I submitted them on XXXX before receiving loss mitigation denial letters XXXX I initiated a third party call with a HUD counselor who witnessed SPS ombudsman stating that they would have to cancel any open loss mitigation reviews and remove any existing protection I felt helpless because prior to XX/XX/XXXX XXXX ; there were no specific details about any loss mitigation denials outside of the investor not extending a COVID forbearance ; the denied this because a conclusion of " income '' determined the denial. This is very unclear because I never denied receiving income. My hardship letter expressed how my medical expenses and distressed home repairs disrupted my budget to have money free for the mortgage. 

XXXX Third party call details included " an in-house repayment plan '' that had to be approved. Different parties like the staff changed the terms on each call like removing protection. I thought the department was already clear on what I qualified for before discussing this plan. 

The only option given was a six month plan appears to be a setup for failure and foreclosure. 

I don't feel like SPS was trying to help me save the home with an affordable plan. For example, during the six month plan on the sixth month they want a total to equal two monthly plans. 

XXXX after hours ; letters were generated. It was odd because I could see the title of the document " awaiting decision letter '' but it was not available until after midnight with a " denied '' decision.
Product: Money transfer, virtual currency, or money service

My problem is with coinbase. Case # XXXX - Lost phone. 

I lost my phone in a taxi and promptly reported it lost with coinbase on XX/XX/2021. Per their policy it would take 10 business days for them to verify my new phone and unlock my account. I followed all steps as detailed on their website to restore access. They never contacted me. I have wrote customer service and the only response I received was them asking me to wait. I sent my last email to their customer service department on XX/XX/2021 asking them to address the problem. As of XX/XX/2021 I have not received a response.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit file. Specifically, [ Account Number ] is being reported as a redeemed repossession on my credit report. This is incorrect and misrepresents the true status of the account.

1. Violation of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. Reporting an account as a redeemed repossession when that is factually inaccurate is a clear violation of this obligation. I have not redeemed any repossessed property or vehicle, and the inclusion of this remark is erroneous. 

Furthermore, under 15 U.S.C. 1681i ( a ), I have the right to dispute incomplete or inaccurate information on my credit report. Once notified of a dispute, the credit reporting agency is required to investigate the accuracy of the disputed information within a reasonable time. I am now exercising this right and requesting that you investigate this claim immediately.

2. Violation of the Uniform Commercial Code ( UCC ) 9-625 According to UCC 9-625 , creditors are required to adhere to strict guidelines concerning the repossession and redemption of property. Reporting a repossession inaccurately, when no repossession has legally occurred, violates the principles set forth in the UCC regarding fair and accurate reporting of financial transactions. Moreover, UCC 9-609 details the specific rights of creditors when taking possession of collateral after a default, and no such action has taken place in my case, nor has any redemption. 3. Impact on My Credit Score
and Financial Health The inaccurate reporting of a redeemed repossession is unjustly harming my credit score and financial standing. A repossession or the suggestion of one, redeemed or otherwise, implies negative credit behavior, which is not the case here. Reporting such false information is damaging to my ability to access credit, and it violates my rights under the FCRA and UCC.
Product: Debt collection

AVANTE USA is reporting that I owe a medical bill from XXXX, they have this listed n my credit report as of XX/XX/XXXX with a balance of {$910.00}. They are trying to collect a debt that does not belong to me from XXXX XXXX XXXX Of Maryland. Someone got my number from this company somehow and told me that its from XXXX and I told this person that I have always had medical coverage.This company should not be reporting negative information on my credit reports for a account that does not belong to me from the year XXXX which is over seven years ago
Product: Debt collection

I mailed proper notice to XXXX XXXX of my intent to cancel a membership at XXXX  XXXX XXXX. I also emailed them of my intent. Despite these efforts, they have tried to deduct money from my bank account. Recently, Ive received a collection notice and a phone call about this disputed debt. This company has a terrible reputation regarding difficulties experienced by consumers trying to cancel gym memberships.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information from my consumer report. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I demand that the items be deleted to correct my consumer report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of theFederal Trade Commissions Identity Theft Affidavit. Please delete the items immediately.
Product: Debt collection

Transworld continues to hurt my credit by saying my private student loan is in active collections. This account, originally owned by XXXX XXXX XXXX and XXXX XXXX, was included on my XXXX XXXX  XXXX XXXX XXXX. The original lender was contacted regarding my XXXX  XXXX petition, and they never responded or took me to court for payment. The judge and court XXXX and closed my case. No other lender has done this. All the other accounts that were included in my petition have been closed and say " discharged in bankruptcy '' since XXXX. Transworld reports this account as new, and active, which is FALSE.