23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My husband and I entered a contract with the property management company called " The XXXX '' ( incorporated as XXXX ) located in XXXX, WA that concluded on XXXX/XXXX/XXXX. Per the terms of our contract, the XXXX XXXX had 14 days after the leased property was returned to them to refund our deposit and present a statement of any charges withheld or due at that point. This can be confirmed by Section XXXX of our lease agreement ( 'Non-refundable fee and security deposit ' ) : " An accounting and refund of the Security Deposit or invoice for additional charges, if applicable shall be made within fourteen ( 14 ) days after the Tenant has vacated the premises. '' The XXXX XXXX did provide a partial refund of our security deposit, as well as an invoice for {$100.00} withheld on XXXX/XXXX/XXXX, within the dates set by the terms of our agreement. At that point, we had every reason to believe our business with them was finished. However, on XXXX/XXXX/XXXX -- 24 days after the end of our lease term and when the property had been surrendered back to them -- we received an invoice for a previously unmentioned charge for 'janitorial services ' for {$220.00} that contained no other explanation. 

Knowing this charge violated the terms of our contract ( as well as Washington State Law XXXX XXXX : " Within fourteen days after the termination of the rental agreement and vacation of the premises, ... the landlord shall give a full and specific statement of the basis for retaining any of the deposit together with the payment of any refund due the tenant under the terms and conditions of the rental agreement. " ), we did not send an official dispute via registered mail until XXXX/XXXX/XXXX, after the XXXX XXXX threatened to refer it to collections as a means of negatively impacting our credit rating for nonpayment. Since they are fully aware we have no responsibility to pay this debt, their threats denote a clear attempt at extortion. Thus we sent all our supporting documentation with our dispute notice, as well as a request that both the charges be dropped immediately and to not be contacted by the XXXX XXXX or their agents again. 

These requests were not honored though, and now we have received a collections notice dated XXXX/XXXX/XXXX from " Grimm Collections '' in XXXX, WA for a {$220.00} charge that the XXXX XXXX was never legally allowed to make in the first place. The only reason we have ever been given as to why no attempt to even inform us of a need for cleaning services until 24 days after the premises was vacated was because they 'overlooked ' it. This admits to negligence on their part, that when coupled with the tardiness of their claim, negates any legal right they may have otherwise had to charge such a fee regardless of whether it was valid from the start.
Product: Credit reporting or other personal consumer reports

Account number XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan .... XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX  account XXXX with these accounts I've been trying to get them off my credit report for the last couple of 3 years serious violation of my actual rights.. so I have sent certified letters to all the creditors and also I send picture documents to your place of to view that I have sent certified letters to all my creditors I would love for y'all to remove these accounts immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

So i've tried to dispute these things with the different credit agencies. To remove personal information that i do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 



These are clear violations of my federally protected consumer rights.
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. 

XXXX XXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPT OF EDXXXX XXXX DEPT OF EDXXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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

Genesis credit management needs to be put out of business immediately. Their staff is so disrespectful and enjoy yelling at people and talking down to them. It is absolutely disuting that they are allowed to still operate. They work with apartment companies to scam people out of money. I disputed the false claims brought on by my past apartment and of course... the credit company denied my dispute. Why would they accept it? they are scam artists and are only in this to ruin people and make FRAUDULENT money. DO NOT PAY your balance to these people if you believe its inaccurate. This company needs to be shut down.
Product: Credit reporting or other personal consumer reports

I initiated disputes with XXXX, XXXX, and Experian regarding inaccuracies in my credit report. In these disputes, I provided details of the accounts in question and highlighted the violations they were committing by reporting inaccurate information. Despite this, it has been more than 30 days since I raised these disputes, and none of the credit bureaus have responded. Below, I am attaching copies of all the letters I sent. 

This company has persistently neglected to validate the collection account, thereby continuing to violate the Fair Debt Collection Practices Act ( FDCPA ) Section 809b, as per the opinion of the Federal Trade Commission ( FTC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date Updated : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need the following account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the accounts, as they were already corrected from the other bureaus. You have 30 days to CORRECT these accounts listed below : XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$9700.00} XXXXLate/Open Late Date XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date opened XXXX XXXX, XXXX Balance $ XXXX-Late/Open Late Date XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX, XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance $ 0-Late/Closed Late Dates XX/XX/XXXX XXXX, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance $ XXXXLate/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT 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. Bankruptcy XXXX  XXXX Docket Identifier XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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: Payday loan, title loan, personal loan, or advance loan

I previously worked with upstate XXXX XXXX before. Took a XXXX dollars loan and I paid it off ahead of time everything was smooth and all was a good experience. 
For the second time they were being a bit difficult by asking me a bunch of documentation s. I did submitted all the documentation even e video with me holding the driver license. 
I called inn to understand this scrutiny but the person on the phone told a whole different story nothing about the papwrwork the online system was telling me. 
My husband told me they did the same to him for XXXX dollars advance few years ago. 
Id say this is a pure discrimination regarding our ages and has nothing to do with their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent inquiries on my XXXX  credit report and I've disputed them several times with the company and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent inquiries immediately, thank you. 

Hard Inquiry Date Cap1/Saks 5th Ave XX/XX/2021 Cap1/Saks 5th Ave XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021 Cap1/Neiman Mrcus  XX/XX/2021
Product: Student loan

I have a student loan with Nelnet. I have been paying the same amount, which is well over the amount due, for many months and the amount applied to principal and interest is different each month. I have a fixed interest rate. The company said it is because the interest accrues daily and sometimes I pay on the 15, and others on the 22. ( I always pay before the due date. ) They said the different due dates are the reason for the different interest/principal payments but some months it varies by hundreds of dollars and zero goes to principal. This is very different from my other loans with different providers. The people I have spoken to have to speak to their supervisors and never seem confident in the information they give me. Today, they said to pay the same day every month and eventually the payments to interest and principal would be consistent. 

I also asked if they could let me know what the payment terms would be if they took me off the extended repayment schedule and, after speaking to a supervisor, they said that taking me off that extended payment so I could pay off my loan sooner was not possible. 

I asked for an amortization schedule. She refuses to send it to me and said it was in the portal. I asked her to guide me to that information and she navigated me to a repayment schedule. This repayment schedule said it began in XX/XX/2020 but there is a double asterisk next to that date. I asked her what that meant and she said she did not know. 

I do not understand what is going on with this loan and they never give me any clear answers. The original loan amount was approx $ XXXX and principal is now $ XXXX. According to repayment schedule she showed me today I will have loans paid off in 17.5 years and with a total of approx $ XXXX paid. My loans were transferred to Nelnet by a former loan provider. I did not choose to go with this company, I do not understand why the principal is not decreasing at all when i pay {$500.00} a month, well over the amount due and no one can provide me with solid information. It seems like they are only interested in locking me to get more interest.
Product: Checking or savings account

In XXXX I opened a save deposit box with an amout of {$1500.00}, during the following years I continue to visit to the Deposit box making cash deposits for saving purpose. Never did i withdraw any funds from this box. My last deposit was about 3 years in the total of {$5000.00} giving the total balance in my deposit box of {$30000.00}. 
On XX/XX/XXXX I visit my regular bank were my deposit box was located and found the bank was closed with no notification. I contact Bank of America customer service XXXX line to find out how I could track where abouts of my deposit box. They explained to me that I would have to go to a branch in XXXX to get assitance. 
I finally was abe to make it to the branch being with out transportation. When I arrived, I was told they had to request for my deposit box which was in another state. They also gave me a notery and a notice showing me that they had broke my lock and open my Save deposit box with out my permission. 
After waiting a over a month. I received a call informing me they had received my missing items from my deposit box. 
When I returned to the branch to retrieve my items, all they gave me was 3 small envelopes and onXXXX large envelope with nothing in it, and they charged me a fee for this service which I don't understand why and was not explained to me, but i did see the fee on my bank statement. 
This has affected me, I have been depressed, stessed, and unable to sleep worried to what happen to my hard earn money. Worried about how a bank could let this happened. Me being my age I can't afford to start all over again. My husband is terminal ill and its difficult to financially support him and myself with only one income. 
think they did this because I am not able to properly read or communicated it english. 
Please help me.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings accounts. Capital One misrepresented the 360 Savings account as having one of the highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 performance Savings Account. This Deliberate Obsurity and lack of transparency violating Consumer Financial Protection Act and the Truth in Savings Act. I Seek redress for misleading practices and failure to fulfill their advertised promises.
Product: Debt collection

XXXX XXXX COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Product: Credit reporting or other personal consumer reports

I have disputed two accounts on my credit report. They refuse to remove them. I filed a complaint with the FTC and submitted to them. It has since been past the 4 business days required by law under 15 USC 1681c-2 and they have yet to block the information. I also want to make abundantly clear that this report of identity theft was not made in error by me, a consumer, as stated in 15 USC 168c- 2 ( c ) ( 1 ) ( A ). I am seeking an immediate response from XXXX XXXX XXXX in order to feel that this matter has been fulfilled to my satisfaction in accordance with federal law The below are in violation and the disputed accounts need to be removed from all XXXX agencies. 

XXXX Transunion XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED Equifax XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX - XXXX This correspondence is to inform you, There is information that is on my consumer report that is a result of Identity Theft. I did NOT provide written permission or instructions for the identified transactions to be reported on my consumer report.I am requesting that the reporting of this information be blocked and deleted. My request to block and delete this is not being made in error, nor is my request to block and delete being made on the material of misrepresentation of fact by me relevant to the request to block and delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXXXXXX 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 XXXXXX/XX/XXXX You are required to do what I am asking and advising, and block these transactions from being reported to my consumer report within 4 days ( 96 hrs ) from the date and time of receipt of this notice. I look forward to your prompt correction of my consumer report and your response. 

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

I was behind on my loan with Covington Credit. I wasn't able to make a payment from XXXX XXXX. The amount they reported on my credit report as being behind was {$460.00}. On XX/XX/2022 I logged on the XXXX  and saw that the complete remaining balance was {$690.00} plus the new online payment fee of {$2.00}, so I paid the whole amount. I waited four days and logged back on to make sure the balance was {$0.00} ony to see the account said I owed another {$60.00}. I called and was told the remaining {$60.00} was late fees so I logged back on and paid a total of {$62.00}. I waited a few days and called Covington again to make sure the account was paid and clear. I was advised it was and that I " might '' get a letter stating so but if I have the payment receipts I'm fine. I explained that I was needing my credit report updated that's why I asked for the letter. The lady repeated the same information. I did a dispute with XXXX for this loan and it did not get updated or cleared. They have not updated the information on this loan since the end of XX/XX/2022. When I was keeping my loan and just refinancig they were updatig quickly and regularly but now that it's paid off they aren't doing anything and it is hurting my credit.
Product: Debt collection

It all stems from hospital bills. The hospital accepted payments, then turned it over to collections within 30 days. I set up payments with a previous representative with Specialized Management company. The accounts WERE NEVER reported as Late on my credit report. A new person took over my accounts. I actually paid off two of the accounts and she reported them as late, even though they were being paid as agreed. The balances were decreasing every month and the agreed payments were being made. A call was made and she was VERY rude and refused to listen. Actually hung up. I then paid off two accounts and it took 90 days to remove from my credit report! 90 days! Then three more accounts showed up. Instantly reported as late, even though I tried to make a payment at time of services with XXXX XXXX. XXXX said they would bill me. Never received a bill until Specialized Management sent a very nasty letter. I called specialized and they threatened me with my credit report if it wasnt paid in full. Due to past issues with this person, I decided to check my derogatory marks on my credit report and lo and behold, it was a lie!! It had ALREADY been reported. 
All I would like is my report to change from Late to paid as agreed.
Product: Debt collection

REPEAT VIOLATIONS AS PRIOR HISTORY OF DECEPTIVE ACTS AND PRACTICES IN VIOLATION OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPB ) 12 U.S.C. 5531, 5536. AND FDCPA 15 U.S.C. 1692e FALSE AND MISLEADING REPRESENTATION IN CONNECTION WITH THE COLLECTION A DEBT. 

FALSE AFFIDAVITS, UNTRUE CLAIMS THAT WERE SWORN TOO. 

I HAVE BEEN DAMAGED FROM FABRICATED EVIDENCE CREATED TO FOOL THE JUSTICE SYSTEM I HAVE ATTACHED A SAMPLE OF THE FABRICATED MONTHLY STATEMENTS USING XXXX CREDIT CARD TEMPLATES TO MAKE XXXX ACCOUNT, THERE ARE MORE OF THE STATEMENTS WITH MIXED SECTIONS OF ORDER. THE SECOND ACCOUNT IS NOT IDENTIFIED HAS MISSING XXXX  YEAR HISTORY SAME MIXED UP SECTIONS. CONTAINS FABRICATED CHECKS ( NEVER USED ) AND XXXX POSTAL CLERKS CONFIRMED THAT ADVERTISEMENT ENVELOPES ADDED IN INFLATED STATEMENTS WITH MY ADDRESS WERE NEVER MAILED. 
I HAVE NEVER RECEIVED THE MONTHLY STATEMENTS AND THEY WERE NEVER SENT/MAILED TO ME. THEY WERE CREATED AFTER LAWSUIT STARTED. 
IT SHOULD BE NOTED THAT ALL OF THE FABRICATED EVIDENCE AND FALSE AFFIDAVITS ARE CREATED IN BANK OF AMERICA DEPARTMENT CALLED THE RESEARCH AND ADJUSTMENT ( COLLECTION DEPARTMENT ) THE EMPLOYEES ARE HIRED AS RESEARCH AND ADJUSTMENT REPRESENTATIVES, I HAVE ATTACHED THEIR JOB DESCRIPTIONS LEVELS XXXX  & XXXX, THE TITLE OF " OFFICER '' DOES NOT APPEAR IN JOB DESCRIPTION AS IS USED ON AFFIDAVITS, THEY DO THE SWEARING AND NOTARIZATION IN THAT DEPARTMENT MOST TAKE TURNS SIGNING AND NOTARIZING AS MOST I INQUIRED ABOUT EACH HAD NOTARY LICENSE. THEY MUST WORK DIRECTLY WITH ATTORNEYS TO GET THE EVIDENCE NEEDED IN COURTS. IT IS IN JOB DESCRIPTIONS.