23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had to break a lease early due to domestic XXXXXXXX issues. I provided the police reports and an official letter letting them know what was going on and that I was going to break the lease, but they never got back to me. I sent them a USPS letter, fax, and email but never got a response back. They placed a collections account on my credit report and never communicated anything to me, or even sent me anything regarding the " owed : amount. Per Arizona law, we allowed breaking the lease early without any penalty fees if there was a domestic XXXX issue ( which there was, but they still are attempting to collect over {$2400.00} for no reason. ) Once this complaint is dealt with, I am going to contact the Arizona attorney general and report XXXX XXXX Apartments for violating " A.R.S 33-1318 - Early termination by tenant ; domestic XXXX ; XXXX assault ; requirements ; lock replacement ; access refusal ; treble damages ; immunity ''. 

Thank you.
Product: Debt collection

never had this credit card. never paid on never used it. have been requesting info on this supposed debt but one bill collection company just passes it off to their affiliated bill collection companies. It goes on and on and on. If I forget to respond to one of these places I might be sued for something that is not my responsibility. who protect the little guy. you?
Product: Credit reporting, credit repair services, or other personal consumer reports

I when to pull out my credit report last year and I found out that I have three account from XXXX XXXX XXXX XXXX which those are not my debt and start sending letter to collection agency and never get any answer  back from them. 
I also contacted Equifax+XXXX XXXX+ XXXX and no answer, trying to resolve this matter but no help from those Credit reporting agency
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payment entries on my credit report XXXX XXXX Credit card associated with XXXX  due to violations stemming from a data breach. 
Under the Fair Credit Reporting Act, specifically Section 605 ( b ), I have the right to dispute any inaccuracies that may stem from a breach of my personal information. The late payments reported for are inaccurate, and I demand their immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX 's response dated XX/XX/XXXX, the company stated that they have verified the account by basically providing my personal information as verification. The company further claimed that because the account was opened online then they have no record of the signature. This is both invasive and frightening. The company should have had signature regardless of where the account was opened. Providing my personal information as proof that I was the one who opened the account is farcical as it is ridiculous. Identify thief happens everyday and if all the company needs to prove that it's a valid application is the person 's information is a ridiculous and dangerous assertion. The FDRA clearing states that the company MUST provide a copy of the application with my signature on it to  prove origin and ownership of the account otherwise the account MUST be removed from my credit report immediately. 

Furthermore the company chronicled the account being opened on XX/XX/XXXX and sold to XXXX XXXX on XX/XX/XXXX. Yet XXXX lists the account as being opened on XX/XX/XXXX even though that account had been in existence for almost two years prior. The fact that XXXX has posted erroneous information regarding the origins of this account means that this account MUST be deleted IMMEDIATELY from my credit report. 

It must also be noted that in the letter forwarded by the companies XXXX XXXX and XXXX deliberately withheld information regarding the amount that the account was sold to XXXX XXXX XXXX for. That information is important because if XXXX XXXX were paid an amount for the account. That amount should be subtracted from the amount that XXXX is claiming to be owed. The fact that XXXX is claiming the original amount owed but yet refused to provide proof of that amount is sufficient reason to question the balance being claimed and hence that inaccuracy is grounds for the account to be deleted from by credit report immediately. 

I remain committed to pursuing monetary compensation from all the companies involved with respect to the negligence shown in responding in an prompted manner, the blatant disregard for good faith due diligence and the continued stonewalling while my credit continues to suffer.
Product: Debt collection

XXXX/XXXX/XXXX a bill was submitted to the HSA by Sun XXXX XXXX for {$140.00}. The insurance paid {$67.00}. On XXXX/XXXX/XXXX balance of {$81.00} was paid out of the HSA and check cleared on XXXX/XXXX/XXXX. Since then we have sent proof of these clearing to sun city imaging yet they still sent it to collections. We shared proof it was paid with collections yet they continue to dun us.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) DEPT OF ED/XXXX  acct # XXXX.
Product: Debt collection

I received a bill for {$32.00} dated XXXX XX/XX/XXXX with account number XXXX it seems that the company is from XXXX with account number XXXX the question I ask is why is this bill coming to me now in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiry on my credit report. Please remove the following as these are suspicious : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX.-, XXXX , XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Debt collection

I was put into collections by XXXX in error. The collection company contacted me in regards to the {$100.00} debt. I explained that I currently have XXXX as a servicer, and current with my bill for years. How could I possibly be in collections, especially with a current account. I was told by the collection company to contact XXXX directly. This is where my situation turned from bad to worse. I have contacted XXXX on 3 separate occasions, and was transferred to the fraud department. Calls have been dropped, or I'm on hold for long periods of time, and the call is dropped. All I want is an explanation of this collections status placed on my credit about 4 months ago, and how to remove it from my credit report. A {$100.00} debt not mine is not a lot of money, but the fact that it was placed on my credit, which brought down my credit rating is wrong, and unjustified. This is affecting my financial situation. Please help me, with XXXX to remove this incorrect standing
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I'm submitting this complaint myself and THERE IS NO THIRD PARTY INVOLVED. IF TRANSUNION NEEDS AUTHORIZATION TO PROCEED, THEN I GRANT TRANSUNION MY AUTHORIZATION TO PROCEED WITH THIS COMPLAINT. I, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX 1970 XXXX XXXX XXXX
Product: Mortgage

Received documentation from Hawaii senators office concerning the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act provides relief for homeowners with government guarantee mortgages. VA amongst others, are eligible for loan forbearance for up to one year without fees, penalties, or additional interest. 

Called Loan Care and on their website, it states that VA home loan doesnt qualify for forbearance under the Coronavirus situation. It goes on the say that if we did qualify for the forbearance, the monthly amount times the number of months will become due at the end of the forbearance, this could add up to 20 to 30 thousand dollars. We would have to do a loan modification which mean we would have to re-qualify for the loan. Not able to provide a paystub for the last 90 days would dis-qualify for the loan and loose our house. 

At the time I called, there wasnt anyone live to talk to, to see what possible avenues were available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Transunion regarding their failure to respond to my request within the stipulated timeframe of 30 days, as required by the Fair Credit Reporting Act ( FCRA ). Despite my submission of an online request on XX/XX/2023, and the estimated completion date provided by Transunion as XX/XX/2023, I have yet to receive any response or resolution from the company. 

Below are the details of my request and relevant information for your reference : File Number : XXXX Date of Request : XX/XX/2023 Estimated Completion Date : XX/XX/2023 I am extremely disappointed with Transunion 's lack of prompt and efficient service. As a consumer, I have the right to timely and accurate information about my credit report, and Transunion 's failure to adhere to the statutory requirement of responding within 30 days is a clear violation of my rights under the FCRA. 

I have made multiple attempts to contact Transunion regarding the status of my request, but have not received any satisfactory response or explanation for the delay. It is frustrating to experience such a lack of professionalism and accountability from a credit reporting agency that is entrusted with handling sensitive consumer information. 

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action against Transunion for their non-compliance with the FCRA. I believe that their failure to respond within the designated timeframe not only reflects a disregard for consumer rights but also highlights a potential systemic issue within their organization. 

Enclosed with this letter is my initial request to Transunion. 

I trust that the Consumer Financial Protection Bureau will thoroughly investigate this matter and take the necessary steps to ensure that Transunion complies with its legal obligations under the FCRA. Additionally, I would appreciate being kept informed of any developments or actions taken in response to this complaint. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting or other personal consumer reports

I requested proof of inquiry and was told that don't have proof so I asked them to remove them and they said no
Product: Mortgage

My home is in foreclosure I have tried to sell the home but was unable even on a short sale. So I have decided to keep the home and rent it out. Found a renter he is in the home and has been since XX/XX/XXXX well actually XX/XX/XXXX because he had some issues with turning on the electric in his name. 
I have filled out the application for assistance to help me keep my home. I have sent in all info the application my 2 mos of paycheck stubs the rental agreement and also the receipt showing he paid the rent. 
But I am being told that Midland Mortgage is asking for two mos of bank statements. I don't receive bank statements number 1 and number 2. The person has only been in the house maybe 3weeks. How would I have two bank statements and # 3 why am I sending in the bank statement. That is my main question. I asked why and they said the receipt is not acceptable because it is handwritten and I have a month to month lease. The reason the lease is month to month is because the house is in foreclosure. I have also requested this info in writing. But I can not get that info in writing. I have sent this receipt in twice to Midland Mortgage and they have not told me in writing why my receipt is not acceptable. I had to call and say I have sent this receipt in twice what is the problem. 
To protect myself and my renter I can not by law say he can live in the house for a year knowing the house is in foreclosure..this is my first house first foreclosure. I want to do right by my renter and disclose all info. 
I just want to stop the foreclosure pay the mortgage and be forced to be a landlord.
Product: Credit card

Made a purchase for a service in advance and cancelled within the terms for a refund. Even though I recieved an email from the business stating I am owed a refund, and the emailed return policy states I could be refunded, but citi bank still sided with the business. The business now states I was " already refunded through dispute '' but I haven't recieved anything back on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see the attached FTC Report and remove the unauthorized inquiries from my credit report within 7 days of receiving this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XX/XX/2023
Product: Debt collection

This is not my debt. I filed XXXX due to a divorce and this debt was cleared with the filing of XXXX. I have never received any prior information on this account not even sure if its mine at all. This could have been opened by my XXXX XXXX, please look into this situation and get the facts from aspire credit card. Thank you
Product: Vehicle loan or lease

I financed a car with Wells Fargo in the past. 
I was subjected to some unfair financing and terms. 
I purchased the car around 2008. 

Thanks, XXXX XXXX XXXX
Product: Mortgage

We paid the mortgage loan off on XX/XX/year>, but didn't cancel the auto-pay of {$1200.00} at our bank before they got an additional payment on the account on XX/XX/year>. 

Since the home was paid off XX/XX/XXXX, we need them to refund that payment. 
on XX/XX/year> I called Shellpoint Mortgage Servicing at XXXX After waiting on hold for over an hour, I talked to an agent who said they are in the process of moving accounts to the new system. She couldn't find my account using my loan number, my SS # or the property address. She said I'd just have to wait for someone to figure out if there is an overpayment. Nothing could be done. I asked to speak to a manager. The manager told me the same thing but said if I wanted to escalate, I could email XXXX. I sent an email on XX/XX/year>. Tuesday afternoon when I had no response, I got on their website, https : //www.newrez.com/contact-us/, and made another request for someone to contact me about this overpayment. I called again, and after sitting on hold for over an hour, had to hang up and get back to work. I am opening a case to see if perhaps you are able to get their attention and instigate a response. 

I have copies ( and included them in my email request ) of the loan pay off and the bank auto pay that cleared on XX/XX/XXXX, after the balance was paid off XX/XX/XXXX. I'm happy to provide those.
Product: Credit reporting or other personal consumer reports

I am formally disputing several unauthorized and unverified hard inquiries that have appeared on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b, hard inquiries should only appear on my report if I have explicitly authorized them. However, I have identified multiple inquiries that I do not recognize or did not consent to.
Product: Checking or savings account

I request a full reimbursement for overdraft fees to my account over the last 24 months
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report and I saw some hard inquiries that did nor have PERMISSIBLE PURPOSE. I also attached evidence. 

Lists of unauthorized inquiries that dont have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XX/XX/2024 XXXX XX/XX/2024
Product: Debt collection

XXXX, I received a letter attempting to collect a debt on a credit card that I never opened. I ran my credit report and found that this XXXX XXXX card was opened in XXXX  and closed which I never did so I had no knowledge of this card or debt until today 's letter. I believe this card was opened fraudulently. I have put a freeze on my account through the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) and am going to write a dispute to the collector explaining the situation. I have disputed this card with XXXX and XXXX via online reporting but have not been able to dispute it with XXXX yet. The amount outstanding on the XXXX XXXX card is {$3500.00}. I will also file a local police report about this case in the coming week.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX XXXX  All three credit Bureaus reported my mortgage company XXXX XXXXXXXX XXXX XXXXt ) sale/transfer to a different mortgage ( XXXX XXXX XXXXXXXX XXXX ) XXXX 
This triggered a credit score drop of XXXX points. 
The sale/transfer of my mortgage loan was/ is beyond my control. 
Therefore, my credit score should have remained the same. 
A drop of my credit score by XXXX points from XXXX To XXXX could adversely affect my purchasing power. 
All three  Credit Bureaus do have dispute forms available but only for complaints against creditors. Not against themselves. 
What can I do to correct this problem?
Product: Debt collection

I got a car repoed about 3 years ago why am i still receiving mail saying that I owe from debt collectors.
Product: Mortgage

I bought a house in XXXXXXXX XXXX XXXXXXXX. Tax and Insurance payments are being made by me through escrow each month. In XXXXXXXX XXXX XXXXXXXX, I received a tax bill from the XXXX XXXX XXXXXXXX and realized that despite my paying into escrow, UWM had not made any tax payments on my behalf for the last two quarters of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX When I called UWM about this, they eventually disbursed 2 tax payments from my escrow account for the delinquent payments ( Disbursed on XX/XX/XXXX ). One payment was for {$860.00} and one was for {$1000.00}. I have no idea where these amounts came from despite me telling them a payment for {$910.00} was due on XX/XX/XXXX and {$910.00} due on XX/XX/XXXX. There was also now an interest payment of {$98.00} due because they payments were so late. There was another tax payment for {$1000.00} disbursed on XX/XX/XXXX for the payment that was due on XXXX this was the correct amount for that quarter. Another disbursement was made for {$760.00} on XX/XX/XXXX. I HAVE NO IDEA why this disbursement was made. This was not on any bill and should not have been taken out of my escrow account. I've called several times to have this reversed and it has not yet been done. Now my escrow is in the red because of these incorrect payments. I called the XXXX XXXX XXXXXXXX several times to make sure the payments were received and as of XX/XX/XXXX NOTHING has been received for these payments that were made XX/XX/XXXX, XX/XX/XXXX and XXXX. UWM called the XXXXXXXX XXXX XXXXXXXX and they were told the payments had NOT been received. The XXXX requested front and back copies of the " cashed '' payments so they could research. No check copies have been received as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus states my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 Section 602 A. States I have right tp 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: Mortgage

The property was sold on XX/XX/2023. They were paid the final closing amount and the property sell was recorded at the register of XXXX  office by attorney XXXX XXXX in XXXX, NC. XXXX XXXX continues to send me debt collection information. I have informed them the property was sold on XX/XX/2023 and they were paid in full. The sell of the property was recorded by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and select Portfolio was sent the closing payment. However, they still have not updated their records and I am now getting letters from XXXX XXXX XXXX, PA stating I owe them {$82000.00} for the mortgage of the property. Select Portfolio has been sent the final paperwork proving the sell of the property along with the final payment to pay off the mortgage XX/XX/2023. However, they are refusing to close out the mortgage debt and sending it to an attorney for additional fees and debt collection. I am completely fed up with them because once again they refuse to handle the account properly. Select Portfolio should lose their right to hold mortgage loans. They are absolutely horrible.
Product: Debt collection

I pulled my credit report and i seen this company has reported an account to my reports that I have no knowledge of- this is not my account at all!
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.Section 604 A Section 2 : it also States a consumer reporting agency can not furnish account without my written instructions. 

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. 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 items 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.