23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So I rented an apartment 4 years ago, with XXXXXXXX XXXX XXXX But when I left apartment, the company which was running this apartments where change and new company took over this apartments, so this new company put wrong allegations and trying to charge wrong amount from me, since then I am taking to debt collector, but they are not trying to understand the problem. I was supposed to pay only {$700.00} but this new company said there was damages, but this damages was already there before with old company. So the new company didn't understand and trying to charge me {$2600.00}. the debt collectors are IQ Data international.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681. 

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, and XXXX XXXX # : XXXX, have 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 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 or other personal consumer reports

The bureau has done nothing to resolve any issue that I have presented to them at any time. Investigations have been longer than 30 days and no communication or resolve has been received. They violated FCRA laws 15USC1681 ( e ) ( b ) and have not ensured that my credit report shows accuracy at the maximum level. They further continue to violate FCRA 15USC1681b by reporting information that does not belong on my report. I feel completely violated and want remedy now.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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: Debt collection

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 

Notice of Dispute Transworld Systems Inc. is a third party debt collector, and they are illegally attempting to collect an alleged debt in the amount of {$310.00}.

Pursuant to 15 USC 1692g ( b ) I am demanding Transworld Systems Inc. provide the name and address of the original creditor, and cease collection of this alleged debt.

Pursuant to 15 USC 1692f ( 1 ) I am demanding Transworld Systems Inc. provide the authorized agreement between myself and Transworld Systems Inc. that created this alleged debt in the amount of {$310.00}.

Failure to provide any and all information is a violation of the FDCPA. Which will make Transworld Systems Inc. civilly liable for any actual damages, and violations of the FDCPA pursuant to 15 USC 1692k. 

Transworld Systems Inc. has 5 days to respond to this CFPB complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have not initiated any transaction with XXXX XXXX via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Best regards, XXXX XXXX cc : CFPB XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX md XXXX XXXX. The following personal information is incorrect Account Number :  Addresses : XXXX XXXX XXXX XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX nc XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter.
Product: Mortgage

The company claims to be Bank of America. The address is XXXX XXXX XXXX, XXXX, FL XXXX. I have a feeling they are a 'service company ' applying hidden fees!! I have asked 5 times in 14 months for an accounting of the money I pay each month. The errors in math are explained as 'special calculations ' for my type of loan? I allowed my personal bank XXXX XXXX XXXX to view the information and not even their Mortgage Bankers could figure out where or why my balance n pay off are not calculationg properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Discharged XXXX : Bankruptcy Reference Number XXXX and XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft in which it has resulted in multiple accounts of different varieties has been opened in my name. I have been reporting this information to Equifax, XXXX, XXXX on numerous occasions. They each have failed to investigate this matter properly. I sent in a XXXX letter requested that all items be removed and yet these items still remain on my credit report. All items have been reported to the FTC as well. I have sent in my ID SSN and also letters requesting to remove incorrect information off my correct. My rights are being violating by Equifax, XXXX, XXXX and Im in the process of seeking litigations. There are multiple inquires wrong names and address and fraudulent accounts located on the credit reports. I was also told that there is another account from another person with a similar name who's information was merged with my account. XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Product: Checking or savings account

I received a bank debit XXXX  card mailed to my prior address and forwarded to my new address. I did not apply for and I did not authorize anyone to apply for this card. Someone applied for this card without my permission or authority to do so. The name noted on the front of the card is XXXX XXXX. I currently have a card from the same bank and advised Cashapp that I did not order this card. This is the second card I have received like this. The Cashapp card is issued by XXXX XXXX
Product: Student loan

A debt collector reached out to my brother in law, who I 've NEVER listed on a loan application as a relative, etc. requesting my contact information ( which they already have ). They explained that they were trying to contact me, or my father, and indicated that they are attempting to collect student loan debt. My brother in law has NO business knowing my personal financial matters, and the debt collector has no business reaching out and harassing him, on behalf of my personal finances.
Product: Vehicle loan or lease

I had been making payments using Ally Autos auto pay system for about a year and a half. XX/XX/2020 it stopped working. I spoke to them and was told that the issue was resolved. XXXX my payment didnt deduct from my account and by time I realized it I was charged a late fee. I contacted them again and was told that my Auto Pay account was fixed and would start back up in XXXX. I was told that the late fees would be waved for XXXX. I am charged {$4.00} every time I make a payment by phone, so I am being penalized for their online service not working properly. XX/XX/2020 I checked my account and the payment for XXXX wasnt taken out and I owed {$46.00} in later fees. I asked how did I owe that much and was told it was for XXXX and XXXX. I have reached out every day from XX/XX/XXXX until XX/XX/2020 about these fees and have been told that they will be waved by the end of that day. To this date they still have not been waved. I have been promised that someone from their customer service department would be reaching out to me in one to two business days and it has now been almost 5 business days and no response. I have contacted them through XXXX, XXXX, and Allys own secure email site ; but have received no response regarding a solution to my issues. Attached is the message I receive every time I try to make an online payment.
Product: Vehicle loan or lease

In XX/XX/year> we closed on our home. Part of this we had to payoff debt which included this loan. 

I sent in a check and it arrived XX/XX/XXXX. I provided customer service and corporate with the tracking number as proof of the checks arrival. 

Huntington Bank 's gross negligence is causing immediate and severe damage to my credit and debt. I insist my account be corrected to show full payment and credit reports updated accordingly. Failure to do so will result in swift legal action
Product: Bank account or service

XXXX in XXXX, MD. XXXX sometimes use CareCredit to finance their procedures. CareCredit is owned by Synchrony bank. Over a year ago, XXXX. Last month, this XXXX filed a fraud claim ( worth {$8100.00} ). I was asked by CareCredit/Synchrony bank to provide documentation proving that the XXXX. The following week, I received a fax from Synchrony bank stating that I did not provide enough information and that I would lose the {$8100.00}. XXXX I tried to call CareCredit and Synchrony bank multiple times to see what I could do in order to resolve the problem so that I would not lose the money. Unfortunately, we were placed on hold, hung up on, and transferred everytime we called. I spoke to XXXX in the CareCredit fraud department and she could not help me. I asked to speak with the manager. XXXX told me his name is XXXX and that she would give him a message to call me, but I never heard from him. Finally, I did reach a manager, XXXX, who basically stated that the decision has been made and there is nothing I can do about it. This is very disheartening since XXXX, I XXXX and I will end up losing a lot of money. I feel like the faud victim now. Please help me find a solution to this problem. Thank you
Product: Credit reporting or other personal consumer reports

Via FTC Identity theft report, Columbia Debt Recovery was placed on notice that this was a fraudulent debt that they are reporting as being owed to them. How can I owe them a debt when I have never contracted to do business with them nor signed any agreement waiving any rights? They have not produced any documentation bearing my signature that I have agreed to open an account with them or conduct any business whatsoever. They certified to XXXX that this debt was valid and XXXX confused as to how anything was certified without XXXX ) a notarized affidavit and XXXX ) proof that an agreement with Columbia Debt Recovery bears my signature. If it was certified why hasnt this proof been uploaded as a response to this complaint? THIS IS FRAUD and I demand deletion immediately. Columbia Debt Recovery is purposely delaying correcting this information as required by law as though they are above the system in place to protect consumers. They even lied and stated that they had placed dispute language on the report which they have not as evidenced in the screenshots provided. They are merely attempting to prolong their duties under the law by delaying the deletion.
Product: Checking or savings account

I was a customer of Wells Fargo in XXXX  and they removed money from my account without my consent and allowed other vendors to put my account in the negative. These actions forced me to have to pay them back and then close my account, which I had to threaten them with legal action before they did. I had been a customer with them since they acquired XXXX XXXX
Product: Mortgage

USAA ( loan officer XXXX XXXX ) pre-approved me for a {$410000.00} mortgage loan in XXXX 2016. I searched for a home and found XXXX. In XXXX 2016, USAA approved me for a mortgage of {$160000.00}, but the home purchase fell through due to damage exposed in the home inspection. In XXXX, since the previous pre-qualification had expired, USAA again ( though this time, through a supervisor, XXXX XXXX XXXX pre-approved me for a mortgage of {$410000.00}. I was unable to find a house, and approximately 90 days later on XXXX XXXX, 2016 USAA ( through XXXX XXXX ) approved me for a mortgage of {$410000.00}. For each mortgage pre-approval ( and for the approved mortgage ), I disclosed that 100 % of my income for the past 6 years was earned abroad and that I have not yet filed XXXX tax returns on this income. I completed a full credit report and XXXX hour interview, which USAA recorded. After I made a contract on a home on XXXX XXXX, USAA suddenly declared that it would be unable to issue a mortgage for {$160000.00} since all of my income was earned abroad. This should not have been - and indeed was not - news to them. The previous pre-qualifications were based on my foreign-earned income. I was referred from XXXX customer service office to the next, from XXXX supervisor to the next. USAA offered to put my parents on the loan to help resolve the problem ( without clarifying that this would also put them on the title, until later ). USAA rarely returned my calls until finally, on XXXX XXXX I was referred to their " executive resolutions team. '' The agent told me to provide proof of filing XXXX tax returns, and I told him to " not cancel my application '' and that I would provide him proof in 2 days, as I had a CPA meeting on the XXXX. On XXXX XXXX, USAA overnighted a mortgage application for me to sign and return by XXXX XXXX, 2016. They sent the same package to my parents and both packages contained confidential information related to me that USAA was not permitted to disclose. What 's more, the application was riddled with errors and could not be signed in the state that it was sent. I emailed USAA on XXXX XXXX asking what to do with the application. USAA then informed me that I " no longer had any applications with USAA '', since the application had been cancelled on XXXX XXXX. In response to my inquiry, USAA explained that the application had been overnighted on the evening of the following day in error. I was referred to the CEO 's resolution team, and then to the business resolution team, and no one has managed to resolve this. Now, my closing date has been cancelled and I am looking for another lender. 
This experience has been a hardship for me and my family.
Product: Credit reporting or other personal consumer reports

My account with DEPT ED XXXX was never late! I have had exceptional payment history with DEPT ED XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 
This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
DEPT ED XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit card

In the beginning of XXXX I tried to purchase a XXXX from XXXX, which was XXXX dollars. So XXXX say yeah we don't accept chime credit cards. Even though the payment was pending and the money was already gone into pending status. So we called XXXX trying I called XXXX trying to cancel the purchase I made. XXXX said we never accept the Payment, call your bank. And chime said wait 5 business days. During the process they closed my account Due to me using profanity over the phone because chime Is vert unprofessional and untrustworthy. So I used profanity. They closed my account and said it's not I'm compliance and took the XXXX dollars. And mailed me a check for XXXX cents.
Product: Credit card

I had a hardship right after the Covid hysteria I had to move out of state, 1099-C was submitted and accepted by the IRS for Relief and cancellation of the Debt of the full amount, it had been ignored and my account was sent to collections with a set of derogatory remarks Ive tried to dispute it directly by sending them copies of the IRS form , they just sent another invoice ignoring my copy B It was sent from IRS, I disputed 5 times they came back verified and valid the company cant close my account for utilizing consumer laws I had made the payment and use of that card nearly 5 years. they didnt know they got sent the payment in full to the IRS ? I tried to send letters they just ignored me and closed my account so this is the last straw Ive been damaged and denied for everyday goods and services as a result of them not trying to uphold the consumer rights and acting like bullies
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX a debt was reported on my account in which I am not liable. I do not have a contract with Gatestone Contact CNTRE, they did not provide me with the original contract as requested.