23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I received a copy of my credit report after being denied a line of credit. I noticed a collection account from NCB Management on my report that I was not aware of. I have never received any communication either by phone or mail regarding this account. Therefor, I sent this company a request for validation via certified mail on XX/XX/XXXX. USPS recorded that this certified letter request was received on XX/XX/XXXX. On XX/XX/XXXX, I received a letter from this company that did not fulfill my request of validating this debt that is on my credit report. The letter from NCB Management was also dated for XX/XX/XXXX however I did not receive it until XX/XX/XXXX. The letter stated that they conducted an investigation into my dispute but they were unable to substantiate my claims. This was not the request that I had made. I further looked into this debt collection company and learned that they are also not licensed to collect debt in my state, which is Maine.
Product: Credit reporting or other personal consumer reports

After looking over my credit report on XXXX. There were inquiries that I do not recognize and there is also personal information that is not mine.
Product: Debt collection

ProCollect was hired by XXXX XXXX XXXX in Florida to collect debt that I did not know I owed ( {$2900.00} ). The security deposit company XXXX has XXXX in, paid {$1000.00} ( XX/XX/XXXX ) of the total and has stated that now I owe them ( XXXX ) {$1000.00} and that I owe the difference to the rental property. 
I reviewed my emails with the leasing office and noticed that I did NOT sign a lease with them, meaning my lease is void. A clerical error by XXXX XXXX. Before leaving, I spoke with XXXX XXXX and she said she will forgive my lease and then email me a copy of how much I owe for moving out prior to the lease ending ( even though the end date of the lease was incorrect as well ). I never received the balance and next thing I know, ProCollect calls me to pay. When I told them that I didn't know I had a balance, the person told me it doesn't matter and that I will need to pay. She then proceeded to talk over me and then end the call once I protested back saying how can I be charge for something that I had no knowledge about. 

Prior to moving, I kept bringing the issue of my lease end date being incorrect and I was ignored by the managers at XXXX XXXX, even then I walked into the office to speak with them. XXXX kept confusing my unit for another unit, so I believe she might have wrote the wrong end date because of that confusion. It wasn't until a month before I left ( XX/XX/XXXX ) I realized that I didn't have a signed lease. The property managers couldn't produce a signed lease while I was there. 

This is the email I sent on XX/XX/XXXX to the then property manager XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Hi XXXX XXXXXXXX XXXX XXXXt, Thank you for providing my family housing. This is a formal XXXX day notice that we will be moved out of unit XXXX by XX/XX/XXXX. My lease is slated to end on XX/XX/XXXX per the email at the end of this thread. My wife and I will not be renewing our lease. Please let us know of any stipulations that will need to be addressed or fees to pay for breaking our lease XXXX  days earlier than the end date. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I was then informed that I needed to provide a XXXX  day notice. I spoke with XXXX in person and after she collected herself ( she was in disbelieve that we did not have a signed lease ) she said she would wave the XXXX  day requirement. IF there was any fees that I owed, they would notify me.I was never notified by email, verbally, nor by physical mail. I was sent to collections without even being contacted that I owed a specific amount. 

Now after I moved out, they magically have a signed lease that fits their narrative. I believe the property manager found my original signed lease for a different unit and doctored it onto the fake lease. I have emails to back up the lack of communication and evidence of what documentation I had available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested several times from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Act. # XXXX. No phone number listed on report, to verify the said debt listed on my credit file. I have also sent a copy of my state issued I.D and a copy of my Social Security Card to assure it is me who is requesting the information. In accordance to the FCRA 605B. TransUnion still will not block, verify, validate or remove this negative information. This has gone on for several months and they continue to use a system none as XXXX to parrot information from the original creditor. I have not received a original instrument of indebtness other than a bunch of invoices with no signature of mine. Yet XXXX  still is asking for more information and refuses to delete this information. I have been a victim of Identity Theft before and had to go through the same thing back in XX/XX/2014 and this is around the same time this debt was created.
Product: Debt collection

About 2017 I lost everything including my job. I was in the hospital for months. Due to my sickness, I was unable to work months after I got out of the hospital. These companies which I had no relationship start calling and harassing me. They sometimes would call and ask for me and would not make it known who they were.
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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

on XX/XX/2020 I went in to XXXX XXXX to have a FREE CONSULTATION, i was " helped '' by XXXX XXXX XXXX XXXX XXXX XXXX XXXX. after not liking the actions they wanted to take i decided not to follow through with any work being done or any more apointments. i did not give permission for my credit to be ran which in turn gave me a hard inquiry and even more so an OPENED ACCOUNT! it was brought to my knowledge by an email from my credit monitoring that an account was opened in my name!!! i called the office and spoke to a person named XXXX and he admitted that my credit shouldnt have been ran without my consent neither should an account have opened in my name if i was only going in for a free consultation ... now i am in the process of trying to have this removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to remove XXXX XXXX XXXX from my credit report for over a year. I totaled my car XX/XX/2021 and it was written off before XXXX XXXX bought my loan and added {$5300.00} to the original amount. XXXX XXXX continues to try to collect the debt from me for {$5300.00} and ithey keep reporting this going on 150 days. My original loan was for {$15000.00} and only after my lloan was sold did an extra XXXX was added. And I just saw the news article on your website that XXXX XXXX is being sued in NY because they are doing it to majority of their customers
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint recently, complaint # XXXX-XXXX, but inadvertently forgot to upload the proper documentation. Please see the attached. This complaint is to be reviewed with complaint # XXXX-XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX   XXXX. ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit card or prepaid card

Good Afternoon my name is XXXX XXXX. On XX/XX/2021 some one applied for an Amazon synchrony bank credit card. I now have a hard inquiry. I called synchrony bank several times but nothing has been done.
Product: Debt collection

I called Gatestone Collection agency on XXXX/XXXX/2015 at XXXX. This debt from XXXX is not my Debit. I have spoken with XXXX and they have no knowledge of this account. The person on the phone was not helpful at all. I have spoken to Catestone XXXX times in regards to this account. Her response today was it is not XXXX but digital life which I am not even sure what that is. I had told them the other day to stop calling me I know nothing about this account.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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/year>
Product: Checking or savings account

The issue relates to the complaint : XXXX I tried to log in into my online account today and the message I received that the account has been disabled for a security reasons. When I spent over 25 minutes getting the account unlocked including one time when the CSR 's informed me that the account has been unlocked. Unfortunately the explanation given was that it was " other security dept '' that overrode CSR decision therefore my online account access is still disabled. I have logged in numerous times before with the same ID and password and never had the issue such as this and it appears that account freezing is a retaliatory measure for filing a complaint with the CFPB. 
Questions : Why my online access was flagged to be disabled even when I entered a proper ID and password? 
Why the CSR has told me that the account was unlocked where in fact it was n't ( I did receive two email  messages confirming account lock out? 
What does it say for the culture at the bank that allows this type of retaliatory measure against a banking customer? 
When is my account going to be available for online banking? 

Thank you, XXXX XXXX
Product: Mortgage

In receipt of the latest correspondence from Wells Fargo Home Mortgage Return Mail Operations, dated XXXX XXXX, 2016. This is yet another attempt of calculated bullying designed by Wells Fargo Home Mortgage to begin the steps of credit ruin. The letter comes on the heels of my correspondence with XXXX XXXX, of the XXXX XXXX XXXX, NC Wells Fargo Branch. In which we sat down, discussed my concerns, made copies of my deposits and letters from Wells Fargo Home Mortgage. In an attempt to receive a definitive resolution, seeing that my point of contact XXXX XXXX ( XXXX ) XXXX, whom I contacted XXXX twice ), yesterday at XXXX and XXXX. In both instances I was unable to establish contact with XXXX XXXX. Additionally while at Wells Fargo XXXX XXXX XXXX, I made a deposit of {$1600.00}. All while XXXX XXXX phoned a Wells Fargo Home Mortgage representative directly while I sat listening. The letter sent to my home states that I requested mortgage assistance and that I must " Please Contact Us Right Away, Do n't Delay- Call Us Right Away! ". The tactics displayed by Wells Fargo Home Mortgage has now come to a point of unprecedented ridiculousness. I challenge Wells Fargo Home Mortgage to provide proof of myself requesting this assistance. Even through this back and forth of repeated letters and Wells Fargo Home Mortgage failing to request pertinent information, ie, receipts, deposits. The manage to attempt to flat out lie to gain the upper hand. Again PROVE that I requested this assistance, with either a phone call, email, written request, anything!!. This company is at the height of shame and sham, to falsify documents is AGAINST THE LAW!. This and other false documents will continue to be shared with CFPB and the CEO 's of Wells Fargo Home Mortgage, XXXX and all other agencies necessary.
Product: Mortgage

Twice now, after I send in my payment, on time and using the supplied envelope, the payment fails to be posted. And they put me through the ringer for their incompetence. 

The first time was in XX/XX/year>. Within weeks of them supposedly not receiving payment, I began being threatened with getting reported to the Credit Bureau. I had to cancel the first check I sent them, costing me {$35.00} dollars. I believe that check was eventually found and there was attempted to cash it but it came up as insufficient funds according to Newrez ( because has been canceled! ). I reissued another check with two months payment, and late fees were assessed which they said they would not do!! 

Also, none of my information was in their system when I tried to call about it so I could not access my account, not the telephone number they were using to sending me threatening texts, or even my social security number. I had to call every telephone number I could find to reach a live person who finally was able to insert information and put me in the system so I could access my account. Very frustrating and took days. 

Now the payment issue is happened again regarding the XX/XX/year> payment. I sent out 15 separate payments to 15 organizations and everyone received and cashed their check EXCEPT Newrez. They try to blame the Post Office, but everyone else always gets their money.

They don't even let you call to make a single payment, as they state your banking information will be captured and used to make future payments. They are forcing customers into automatic pay systems because they do not want to waste any money on making sure the standard check processing system is working efficiently. 

The company is restructuring which has caused upheaval, but customers should not have to suffer when their mortgage is bought out by another company. They did not act like Mortgage Company, just a Debt Collector as they are always sure to announce. Sad. I wish they never purchased my mortgage from XXXX with whom I had no problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed my credit rating had dropped from XXXX to XXXX and that I was issued an apple card through bank XXXX with a credit limit of {$10000.00} which I never applied for. It showed I had a late payment and I was only aware of this card when I saw the credit report. I called the bank and cancelled the card and they dropped the charges. I have never used this card, never issued a card, never received a bill for this charge, and the email account on file with the card is an email address I have not used in more that 3 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX  {$560.00} XXXX XXXX XXXX  {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX   XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX   XXXX  XXXX XXXX, GA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
PLEASE BLOCK AND REMOVE ONLY THE FRAUDULENT ACCOUNTS LISTED BELOW WITHIN 4 BUSINESS DAYS PER 605B OF THE FAIR CREDIT REPORTING ACT : Account Numbers : XXXX XXXX {$560.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$890.00} Inquiries : XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due. Please investigate this account & please update the account to a positive status of closed/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable proof XXXX XXXX XXXX XXXX
Product: Debt collection

Got a notice from XXXX XXXX XXXX XXXX debt collections for a debt balance of XXXX from Paypal , Inc . I did not have any part in opening this paypal account and promptly reported fraudulent activity to paypal and american coradius on XX/XX/year>. They are looking into the fraudulent account and will have a final decision in XXXX business days.
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 TransUnion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous account that needs to be investigated and corrected : XXXX XXXX XXXX : {$0.00}
Product: Mortgage

My complaint is they refuse to send me my escrow, they keep saying they have the check ready, but still haven't sent anything, I also overpaid account & now their asking for a new payment {$500.00} on my online account, when my mortgage is only {$320.00}, & I overpaid last month of XXXX, I told them to apply the xtra to principal, but they didn't do that either, I will end loosing my home, because they taking their time sending my escrow refund for homeowners insurance, they keep saying you should get it in a couple days, deadline is XX/XX/XXXX, it's been 2 weeks now & is now lying about special paper must be done to send monry
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I'm a victim of fraud for some reason I have XXXX hard inquiries In the last 12 months that were not done by me. I have reached out multiple time to these companies and never got.a.response back. For them to remove them.
Product: Debt collection

I WAS THE VICTIM OF IDENTITY THEFT FRAUD AND I HAVE DISPUTED THIS DEBT TO THE CREDIT BUREAUS AND THE COLLECTION AGENCY TO NO AVAIL ...
Product: Debt collection

Dear XXXX, I am writing to dispute an inaccurate entry on my Equifax credit report. There is an accounts both listed under the name " XXXX XXXX XXXX '' in the amount of {$480.00} and another in the amount {$520.00} that I do not recognize. I have never entered into any agreement with this company and have no knowledge of this purported debt. 
Therefore, I request that you immediately remove the XXXX XXXX XXXX account from my credit report. Please note that I am making this request pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). 
Specifically, I request the following : Complete removal of the XXXX XXXX XXXX account from my credit report. 
Verification from XXXX XXXX XXXX that they have no record of any agreement or debt associated with me. 
Please note that I am not providing any proof at this time under the doctrine of estoppel by silence established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. This allows me to presume that no proof of the alleged debt exists since XXXX XXXX XXXX has not provided any upon my request. 
I have enclosed a copy of my Equifax credit report highlighting the disputed account for your reference. I encourage you to thoroughly investigate this matter and take prompt action to resolve it. 
Please contact me at ( XXXX ) XXXX or XXXX if you require any further information. I look forward to your prompt response and resolution of this issue.