23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Altitude Community Law is attempting to collect a debt from past due HOA fees at my home that is owned by my Husband and Myself. The debt was taken to court and a judgement was put in place. I reached out to the company to set up a payment arrangement in regards to this debt. Meanwhile this company is sending mail and attempting service on a relative 's address. Even though they are completely aware of where we live since they are collection on HOA fee 's attached to our address. May I also note that we have never lived or associated with the address they are sending mail to. After I reached out for a payment arrangement, they stated it was approved but I have to fill out their paperwork and email it back. This paperwork includes any possible private information you can think of ( SSN, Address, Employment, Bank Accounts ) demanding it be sent through an unsecure portal. Making our information vulnerable to leaking information that can be fraudulently used. Since I did not feel comfortable with this, I mailed paperwork along with post dated checks for the payment plan. They then stated I never paid or sent paperwork so I called them. I spoke with XXXX XXXX ( Collections Specialist ) I asked if she received paperwork and she said no. I asked her to please stop sending paperwork to addresses she clearly knows is not ours and she stated they have never sent anything anywhere but our home address. I requested all the paperwork she sent and she stated I needed to go to the courthouse to retrieve as she has sent it more than 3 times. I asked her where did she send it and she mentioned only to our home address as that is the only address ever on file. 

I then emailed her a copy of the letter that has a different address than our home address and asked if she found my payments. She said she was going to forward to her attorney for review. 

I made it aware to my HOA and this law firm that they are knowingly and willingly participating in abusive collection practices by contacting and disclosing private information to third parties in an attempt to abuse, humiliated, embarrass and deceive their authority. Not to mention the deliberate lying to their actions. Sending process servers to harass my daughter and accuse her of lying. 

It wasn't only after I sent proof to them that they were doing this did they attempt to forward to an attorney and I still have not heard if they have my mail with private information and payments. 

Very concerning.
Product: Debt collection

In 2022 I received a letter from XXXX XXXX XXXX saying that I owe around {$11000.00} and must be paid within a set time. Initially I thought it is a scam letter and ignored it but I kept getting same letters. So I tried to contact them on the phone and informed that I have never applied for a loan and never received any loan amount. But I kept getting the debt due letters from XXXX. I have written couple of letters to XXXX XXXX, XXXX requesting for proof of my application, approval of loan, email sent, proof of check issued and to whose name, or proof of money deposited and to which bank. I never got any response. I filed a complaint to Federal Trade commission and received acknowledgment of complaint and was told that they have contacted the bank to send the necessary documents. I then received a mail with a form for police report of identity theft but since I never filed a police report I could not fill up the form. So far I have never received the proof that I requested. Yesterday I got a letter from Mandarich Law firm with intent to sue for non payment. I am an employee of USPS with basic salary and I feel I should not be responsible to pay such a large amount which I have never borrowed. I will appreciate if you could help me in this regard. I am attaching the letters I mailed to XXXX XXXX. XXXX company, and the mail I received from the Mandarich law firm. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a police report and an FTC report to show that I was a victim of identity theft but navy federal credit refuses to look into this matter and they keep reporting Negative information to the credit bureaus
Product: Money transfer, virtual currency, or money service

Cash App closed my account XXXX XXXX for no particular reason and held my money for months. When investigated reps said for gambling but I have never gambled XXXX XXXX XXXX. I asked for transactions and date that are considered gambling and was not given that information.
Product: Credit reporting 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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries.

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 ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent THREE letters now to TD Bank regarding an accout they are reporting on my credit report and they have sent me a letter back saying they can not continue with an investigation because I have have not provided my account number, name, address, and last 4 of social. This is NONSENSE I included all this information clearly in the attached THREE letters. This company has failed to properly preform an investigation as required by FACTA 312. I am demanding that this item be deleted immediately. Please see attached letters.
Product: Credit card

Hello, XXXX Citicard has been suspended multiple times for non payment. I have made regular monthly payments following the same process in a timely manner. However, payments are lost/not applied by Citibank randomly XXXX They suspend my card, resulting in negatively impacting my XXXX XXXX and ability to use the card. 
Every single time, I have called in, filled out the paperwork, and CitiBank is then able to trace the payment and retroactively apply it to my account. However they are unable to provide me with a permanent resolution to avoid such occurrences in the future. The entire process takes over XXXX weeks during which time the card stays suspended unless I make an additional payment over and above the minimum amount due. I do believe that this constitutes as fraud and harassment. 
The most recent phone call with a supervisor, XXXX made on XX/XX/year> at XXXX basically implied that they are not able to help me and this will continue. He was extremely rude and simply refused to understand that it is Citibank that is failing to apply my payments resulting in undue hardship on me.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to XXXX XXXX. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX  & financial stress which is impacting my ability to XXXX, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX, XXXX, XXXX, XXXX XXXX, and XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate information you are reporting to the Credit Reporting Agencies ( CRAs ) regarding my account. There are multiple discrepancies that constitute violations of the Fair Credit Reporting Act ( FCRA ). First, the open dates are inconsistent, with XXXX reporting the account as opened on XX/XX/XXXX, while XXXX reports it as opened on XX/XX/XXXX. Additionally, the account numbers differ, as XXXX lists it as XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The Date of Last Activity ( DLA ) is also inconsistent, with XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX, which is crucial for determining the timeline for removal under the FCRA. Furthermore, the payment history reported between the CRAs is inconsistent and inaccurate. These discrepancies are clear violations of the FCRA, which requires accurate and consistent reporting of consumer data. As a result, I am entitled to damages of {$1000.00} per violation. Please see the attached True Bill outlining these violations and remit payment to the address listed on the invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm XXXX XXXX XXXX I noticed Enhanced Recovery re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.
Product: Debt collection

Been trying to speak to credit bureaus to dispute XXXX XXXX   but they say they verify its mine. They can not verify its mine because its not. Now I get phone calls and bill letters to pay them XXXX or I go to a Court Trail near my Residence. I have reported this Company twice to your branch and I still have gotten no were. Please have this Company verify me or remove this XXXX from my credit reports. Thank you
Product: Credit reporting or other personal consumer reports

address that does not belong to me is on my credit report and shouldn't be, my current address is only XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I requested my federally authorized free annual credit report. I provided the required information online and was granted access, except to Experian. Experiean demanded that I send personal information through the very unsafe USPS, which I did. After being given all the requested information, Experian has now contacted me AGAIN, demanding the SAME information that was already sent. They have received a copy of my license, address, social security card, NONE of which I am required to mail in under federal law. They still refuse to furnish my my report. 

During this entire process they continue to offer me paid access to my credit file, which is illegal. They are required to provide my report by law and refuse to do so. I have already given the required information, and then again mailed in more information I was not required to give. This is illegal. I have filed complaints with the FTC, MY State Senator, The TX state attorney General, and Texas State Senators. 

I have already provided what is required and they continue to attempt to extort me for a paid credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had numerous cards saying I was pre approved and I tried a few and it denied me and put hard inquiries on my credit report, everytime I tried getting some where with credit karma I was told there was nothing they could do. I applied quite a bit for cards that I had ALREADY BEEN PRE-APPROVED on and I was still denied. So they advertised false information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX/ Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX , XXXX XXXX XXXX XXXX # XXXX., XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # UNKNOWN, 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: Credit reporting or other personal consumer reports

I typing this right now in disbelief how Experian, XXXX, and XXXX treating their consumers. I was using credit for some years now because I didn't want debt. Me learning understanding that American is built off credit, I wanted to start a business to get funding but found out I'm a victim of identity thief. 


I Mailed letters, file a FTC report and many CFPB reports stated what I need changed/Removed from my credit report. All late payments is wrong on my credit report and I want changed ( to paid as agreed ). Collections Accounts should not be on my credit report. I'm demanding a proof of verification that the info in my report is vaild. 

FTC REPORT NUMBER- XXXX if not vailed, I want it changed/removed to what the letters states for the dispute.
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. 

Account Name XXXX Account Number : XXXX Account Name XXXX XXXX XXXX  Account Number : XXXX Account Name XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 ) ( 1 ) 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.
Product: Checking or savings account

Between XX/XX/year> and XX/XX/year> the TD Bank in XXXX, NJ charged me an excess transfer fee of {$3.00} XXXX ( XXXX ) TIMES, for a total of {$120.00} of fees for simply moving money online from my daughters savings account to her ATM account. My daughter 's account is a student account linked to my checking account. I complained about the ridiculously high amount of fees and they refunded me {$30.00}. I was not satisfied with this response and said they should refund me the full {$120.00}. It wasn't that I was overdrawn. My balances were over {$100.00} so that wasn't the problem. I wasn't withdrawing money. I just moved it online from my daughters saving account to her ATM to be used when she needed it. They responded that they have added a new fee that if you transfer money out of a saving 's account more than 6 times in one month that they charge {$3.00} for each excess transfer. I responded that I did not agree to having these fees charged and that if they didn't stop I would have to change to another bank. I am waiting for their reply.
Product: Payday loan, title loan, personal loan, or advance loan

M & T Bank hasnt processed insurance claim check sent to them by Foremost Insurance to pay check issued to pay claim for XXXX XXXX destruction of camper. This is causing my account to appear to be past due which will result in finance charges and my account being listed with credit bureau. This will affect my perfect credit rating score. I cant understand why this {$25000.00} hasnt been applied to my account. It has been over 2 weeks since Foremost sent check.
Product: Debt collection

XX/XX/XXXX. I began the application process for XXXX  housing with XXXX XXXX ( new name is XXXX ) owned by XXXX XXXX XXXX. The application was for the XXXX school year since there was a promotional discount offered. 
I did not complete the application, nor did I sign a Housing Agreement, yet in XX/XX/XXXX they sent me a collection notice that I owed a full year of payment : {$5500.00} for not moving in. 
I have tried repeated attempts to resolve this with the company, yet they sent this to their collections department, then to a debt collection company, National Credit Systems. I contacted them to resolve this with no avail. In XXXX of XXXX, I was contacted by one of their lawyers, XXXX XXXX. I responded to him as well and directed him to contact a manager at the apartment company, XXXX XXXX, with whom I had already spoken and verified ( I have the conversation recorded on XX/XX/XXXX ) that they have no claim against me. He also volunteered the information that I was not the only person dealing with this type of situation. 
National Credit Systems has since reported this fraudulent debt to the credit reporting companies. As a result, I have been denied other apartment housing and I suspect that I have been denied several employment opportunities as well. 
Lastly, I reached out again in XXXX of XXXX to another manager, XXXX XXXX, to see if the company would do the right thing according to section XXXX of the Fair Credit Reporting Act and expunge this from my record. After some initial responses, he has stopped all communication with me.
Product: Credit reporting

XXXX XXXX XXXX, was allowed to access my credit report on behalf of XXXX XXXX without my permission and apply for a payday loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly a current balance of {$14000.00} on the XXXX XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) The vehicle was returned and sold at auction. The vehicle sold for more than the amount owed and consequently the balance reporting is incorrect and should be reporting {$0.00}. This false reporting is seriously harming my credit score and this line item needs to be updated to report accurate information and/or be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I have gone back and forth with both XXXX and Equifax credit reporting agencies. I have disputed and disputed, and they remove some things and then reinsert them again, making my score go down by over XXXX points. I do n't know what to do as the debts they are talking about are in most cases over 7 years old, and in the State of Nevada, credit card debt is only collectible for4 years. They are ruining my credit, and I ca n't get another card to pay off a high interest card with a no interest card. The new ones in question are from long ago charged off credit cards from XXXX. I am attaching a letter sent to them to inform the credit card companies of the charged off nature of the XXXX accounts. They are from XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. All of my accounts were compromised and exposed to data breach. I initially requested for the fraud accounts and inquiries on my credit reports to be removed and they were but some of them are still on there. Please delete the late payment record from this account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. This account was stolen and caused that late payment which I just recently discovered. This account involved must also be changed to XXXXXXXX XXXX  ', which is a revolving account, rather than XXXXXXXX XXXX XXXX XXXX If you can see also, I attached the screenshot of my account and to date and it reports 100 % paid on time. So please, delete the inaccurate information from my credit reports asap. I even already requested for this account to be closed because of identity theft. Please delete and remove it asap. I refuse to accept any inaccuracy on my credit reports. I don't understand why you got to reinsert it on credit report. I also need your help in deleting these fraud inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have attached my FTC report and IDs. Thank you for your support.
Product: Debt collection

I have a debt that was recently added to my credit for {$2900.00} from Lockhart & mo.. I've attempted to contact Lockhart and a woman named XXXX was clearly the head of answering phones. She was rude, nasty, yelling at me. She told me this is my debt and I need to pay it, stop running in circles because she's already talked to me before. I've never talked to this woman or anyone about a debt. I have a decent credit score, I keep up with my bills, I always pay on time. Because of this, Lockhart was able to get my XXXX credit card company of over 7 years to cancel my account. Which I need reinstated immediately. This woman XXXX says this debt happened in Arkansas, XXXX of XXXX I've lived in the state of Connecticut since XX/XX/2015. Nothing adds up here. I've called XXXX a million times for help and I either get no where with the robot system or my results always come back from my dispute as pending ... who do I have to contact to get this fixed right away.?
Product: Mortgage

XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.
Product: Debt collection

i found out through a public figure on social media that XXXX passed the FCRA law that protects my rights and privacy and that I can remove credit card debt, old bills charge-off accounts, and collection items. This person also stated that it's illegal for a collection agency to buy up my debt and come after me. During the pandemic, I've been unable to make payments and I am still trying to catch up on bills. This collection agency threatened to sue me. My debt is now higher than my income. 

These companies sold my account to collection agencies : XXXX XXXX XXXX XXXX XXXX ( sold to XXXX XXXX. Senior Account Representative @ The XXXX Law Firm Phone : ( XXXX ) XXXX Fax : XXXX ) XXXX XXXX XXXX XXXX XXXX  ( sold to XXXX XXXX XXXX )