23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in an apartment in XXXX called XXXX XXXX which has since been named XXXX XXXX  which is owned by XXXX XXXX XXXX. Our lease ended on XX/XX/XXXX. In XXXX of XXXX, I received a phone call from Professional Debt Mediation claiming that I owed them XXXX. I requested proof of the debt and they are stating it is for 1 months rent for not giving 30 days notice prior to the end of the lease and money for excessive cleaning after move out. I do not owe this debt to them for the following reasons : I received an email from the apartment complex on XX/XX/XXXX explaining what our rent increase would be and it says " If you do not sign a Renewal Lease by this date, this letter will serve as your Notice of Non Renewal and you must vacate the premises by XX/XX/XXXX. '' We did not reply as they said no reply was our notice of non renewal. 

The apartment complex also provided a copy of our security deposit claim that was dated XX/XX/XXXX. Our lease explicitly states that the landlord must file a security deposit claim within 30 days of the expiration of the lease ( XX/XX/XXXX ) or the landlord forfeits the right to file a security deposit claim. Because of this, the apartment complex actually owes US {$500.00}. 

Also, they mailed the security deposit claim to the address that we had moved out of and our mail forward service had expired by that time. 

I provided documentation of the above proving that the debt was not valid, which XXXX XXXX at XXXX  refuses to acknowledge as proof and is saying they will be putting it on our credit if we do not pay immediately. They are stating that we can not longer dispute the debt and they are only following the instructions of their client and are putting it on our credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX, I sent a letter to XXXX XXXX may right to opt out. They are still reporting
Product: Credit card or prepaid card

I paid off the balance on XX/XX/22. The next billing cycle I got a bill stating I owed interest. I contacted them and they were going to remove the charge. I have just received another statement with late fees. When i called and spoke with someone i was told i owed the interest and late fees.
Product: Debt collection

My mortgage loan was used to file chapter XXXX on by an unauthorized 3rd party XXXX XXXX. She filed bankruptcy and lied listing my legal mortgage debt as her own to be able to keep the home she took from me. 

I always felt the court allowing this filing was wrong and defied the purpose of what bankruptcy is intended for. And that's only for the legal debtor to file and make arrangement on their own debt. Not some 3rd party. 

I met with a bankruptcy legal aid attorney recently who reviewed this person application and stated it indeed was bankruptcy fraud committed. this person listed in her XXXX  application that my legal mortgage debt was her own. And the court allowed her to make pay arrangements on my loan. Causing a conflict of interest to me which affected my livelyhood. While she was lying in a court of law my debt was hers. I was still legally obligated which stopped me from being able to qualify for a place. 

The attorney said even if she was on deed with an interest in property she still not the legal debtor and therefore can not file on another person debt. I asked her how did the court let this go through. The atty stated she may have lied to her attorney and judges don't question attorneys. 

The legal aid bankruptcy attorney verified fraud. XXXX. XXXX XXXX I also researched this matter just to be sure. Can a person only on deed list someone else debt as theirs and file XXXX  on it getting arranged pay plan. And the information was no and coincided with same information attorney gave me. 

So I contacted phh mortgage to investigate if this chapter XXXX filing was even valid because it appears it was bankruptcy fraud involved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent request to TransUnion, XXXX and XXXX that the Bankruptcy court does not report to credit bureau 's and that I would like to have it removed from my credit report. I received letters from them stating that they receive information directly from the courts, but upon receiving the information that they send to me, they get information from XXXX a credit reporting agency. I contacted XXXX in regards to this and they have deleted the bankruptcy from my file. I'm providing letter from XXXX to have the bureau 's remove this from my report/file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX reviewing Identity analysis report I found the following information as to why my credit bureaus reports are all over the board. Under XXXXXXXX XXXX web search XXXX XXXX, no knowledge of this person. States record created XX/XX/XXXX, with the date of birth of XX/XX/XXXX. It shows last XXXX social security number as XXXX, which is mine. From Texas zip code XXXX and last XXXX DL # XXXX. Says site ; XXXX, breach occurred in XXXXXXXX XXXX XXXXXXXX. ID XXXX. Phone number XXXX, update, date XXXX @ XXXX. This is the proof I have been seeking for 2 months to figure out why my credit score keeps plummeting. This helps explain why so many duplicate inquiries. You can see from the searches that someone is trying to manipulate my credit report for their good. The only explanation as to why this name would appear anywhere in my credit report is FRAUD SUPPORTED BY EXPERIAN, XXXX, XXXX AND FICO FOR THE BENEFIT OF INCREASING BIG BUSINESS INTERSTATE. There is no concern as to why a person out of the blue is shown up in my credit report information from Experian.
Product: Checking or savings account

My check was stolen in the mail. the party that stole the check altered it. I have filed a report with the bank, postal inspector, my local police department and the local police where the check was cashed. I am pursuing legal recourse on this matter. the check was altered for more than it was written for. I have been in contact with my bank several times to return my money. they are dragging their feet on this issue aand i need it resolve as of my money in the bank. They said it could take up to 30 days to receive my money which is absurd. The bank in question is Regions XXXX Ms . I really just want this bank to know that this is complete garbage and so other people know to boycott regions. It's one thing if I hadn't pursued legal action. I could understand a waiting period but since ive given them all the reports and they are still hesitate to give me my money back is not right ...
Product: Credit card or prepaid card

My Capital One Menards Big Card # : XXXX is lost/stolen and has {$3500.00} of fraudulent transactions/charges on my credit card account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the items that I am asking you to verify as accurate. XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm really frustrated because my credit report has wrong info like my name, address, phone number, and employment details. I've tried multiple times to get this fixed, but nothing has changed. This needs to be corrected immediately. I requested the credit bureaus ( Equifax, XXXX, and XXXX ) to correct the following inaccurate personal information on my credit report : Incorrect Address : Reported Address : All others are incorrect Correct Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX Incorrect Phone Number : Reported Phone Number : All others are incorrect Correct Phone Number : XXXX Incorrect Employment Information : Reported Employer : All others are incorrect Correct Employer : No current employer Other Personal Information : Incorrect : All others are incorrect Correct Name and Date of Birth : XXXX XXXX XXXX XXXX, DOB : XXXX Despite providing the credit bureaus with multiple dispute letters and supporting documents such as copies of my state ID, utility bill, social security card, and bank statement to verify my correct personal information, they have failed to correct these inaccuracies. These errors are negatively impacting my credit profile and causing significant inconvenience. I am seeking immediate correction of these inaccuracies and a confirmation of the changes made to my credit report. The credit bureaus have failed to correct inaccurate information and are violating provisions under the Fair Credit Reporting Act ( FCRA ). Such as : XXXX. Section 1681e ( b ) : Duty to Ensure Accuracy 2. Section 1681i ( a ) : Dispute Procedure 3. Section 1681i ( c ) : Notification of Deletion or Correction 4. Section 1681i ( d ) : Statement of Dispute 5. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) 6. Failure to Properly Reinvestigate Disputed Information ( 15 U.S.C. 1681i ( a ) ) 7. Failure to Correct or Delete Inaccurate Information ( 15 U.S.C. 1681i ( c ) ) 8. Failure to Include a Statement of Dispute ( 15 U.S.C. 1681i ( d ) ) The credit bureaus are currently in violation of the Fair Credit Reporting Act ( FCRA ) and I request that this matter be fixed immediately due to the above violations.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX located in XXXX has contacted me and my relatives giving me a case # of XXXX XXXX, says they are a mediator for Assured Financial Partners who has purchased a debt from XXXX XXXX XXXX. Told me to call XXXX XXXX XXXX to verify the debt and gave me a case # of XXXX - XXXX. XXXX XXXX XXXX is saying this will end up in civil courts and a wage garnishment may be filed in my county of XXXX XXXXXXXX XXXX. I tried to call XXXX XXXX XXXX but could not understand them & was not given an option to provide a case # to verify this supposed debt.
Product: Credit reporting or other personal consumer reports

Despite my previous requests, the fraudulent information on my credit file remains uncorrected. This ongoing failure to remove inaccurate data is a direct violation of the Fair Credit Reporting Act ( FCRA ) Section 605.

I have already provided the necessary supporting documents and am resubmitting them for your review. Your continued inaction leaves me no choice but to escalate this matter. If this issue is not resolved immediately, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). Additionally, my attorney is prepared to take legal action to enforce my rights under federal law. 
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 XXXXXX/XX/XXXX
Product: Debt collection

The credit reporting agency XXXX faced a global security breach, resulting in millions of consumers personal information being exposed. As a result of this, I am a victim of identity theft. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to bring this information forth to a judge in my area, to file suit against your company for reporting this fraudulent account to my XXXX, XXXX, and XXXX  credit reports. If you do not immediately remove these inaccurate and incomplete accounts in 1 business day, I will move forward to file a suit against all companies involved. I have never done business with your organization ; I have done my own research it is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. Any person who willfully fails to comply with any requirement imposed under the Consumer Credit Protection Act, is liable to that consumer in the amount of {$1000.00} any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater, such amount of punitive damages as the court may allow and in the case of any success action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

AssetCare your company is currently reporting a fraudulent account to my credit file in the amount of {$1400.00}. It is absurd that your company would put something like this on my credit file. I know for a fact that I have never done business with your company. I have attached my police report, as well as my legal affidavit from the Federal Trade Commission. If this account is not removed from my credit file in one business day, I will ask my lawyer to move forward with filing a suit against your company. I have attached my FTC FORM as well as Police report. This accounts should be removed from my account as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact the following bureaus XXXX and Experian regarding unauthorized inquiries on my credit bureaus. They have been negligent in aiding my getting this corrected on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted a copy of my consent, a copy where it shows the account is valid and accurate. They werent able to give me one simply because the account is closed and sold. Its still hurting my report and im unable to continue my studies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has a portal to upload proof of documentation for your disputes. The website does not allow you to actually load anything. It freezes, reloads, freezes again, and then says that the website has timed out. I believe that this is done so that low-income people are unable to follow through with legitimate disputes on their credit reports. Sending certified mail for some, is extremely expensive. This is an access to justice AND an ADA complaint.
Product: Checking or savings account

I opened a US Bank business checking account with the following promotional terms : " Earn {$500.00} when you open a new business checking account and complete qualifying activities. Open a new U.S. Bank Silver, Gold or Platinum Business Checking Account with the promo code XXXX. Deposit {$5000.00} in new money within 30 days of account opening and maintain for 60 days. Enroll in the U.S. Bank Mobile App or U.S. Bank Online Banking within 90 days of account opening. Complete XXXX qualifying transactions within 90 days of offer enrollment ( Debit card purchases, Merchant deposits, ACH credits, Wires credits/debits, Mobile Check Deposit or Bill Pay ). '' I met all these requirements by depositing a total of {$5000.00} ( including an initial {$100.00} opening deposit ) within the 30 day period as well as completing the transactions. 

However, US Bank is not honoring the bonus, because it is claiming that my initial opening deposit of {$100.00} does not count towards the {$5000.00} in " new money. '' Nowhere in the bonus terms does it say anything about an initial deposit not being " new money '' and thus not qualifying. This is thus very confusing and unfair wording and I'm sure caused not only me but many others to miss out on this bonus. 

I am requesting US Bank honor the bonus as this requirement was not at all clear in the bonus wording.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Hello, I am filing this complaint to dispute the debt notice I received from Rausch Sturm, LLP regarding the creditor XXXX XXXX. I was notified recently that I owed XXXX XXXX money for a debt that I was told in XX/XX/2023 that was credited in full. I am requesting that Rausch Sturm stop any collection attempts and proceed to speak with their creditor. I am not responsible for any debt associated with XXXX Bank regarding my XXXX XXXX  card that the balance was to be updated and credited for. Per XXXX Bank customer care the debt was to be settled in XX/XX/2023 reflecting a {$0.00} balance on the account. 


Thank you, XXXX XXXX
Product: Vehicle loan or lease

late payments are incorrect on my report this car is at a XXXX balance inaccurate reporting and thats against the law
Product: Credit reporting, credit repair services, or other personal consumer reports

. I am very disturbed and upset the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60 days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX  Account Number : XXXXXXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting or other personal consumer reports

I recently received a copy of my XXXX XXXX consumer report and I noticed some late payments/inaccurate information posted on my consumer report. 
XXXX XXXX  XXXX Balance {$470000.00} XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$860.00} XXXX XXXX Balance {$510.00} XXXX  XXXX Balance {$250.00} XXXX  XXXX XXXX Balance {$470.00} XXXX XXXX Balance {$330.00} XXXX  XXXX XXXX Balance {$680.00} XXXX XXXX Balance {$150.00} XXXX XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted one application for a car loan at XXXX XXXX. Without my knowledge, XXXX XXXX made 3 additional requests to different organizations, which I did not ask them to do, but they did it. Since then, I have discovered three additional unauthorized credit requests. To which I did not give permission. Now I have XXXX hard inquiries ( from XX/XX/year> ) in my credit report but i did only XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by TransUnion that a New Mexico State tax lien filed against me ( I am a Texas resident ) and it was included in my credit report. I sent TransUnion documentation about the new federal law which prevents tax liens and civil judgements from being used on credit reports. I obtained a copy of the tax lien and it did not contain my full name, SSN, DOB, or correct address. I attempted to obtain my report fromTransUnion to see if the lien appeared, and was told that since I had an open dispute I could not get the report. This was after I received a letter from TransUnion stating the issue had been resolved. Now I have a letter from TransUnion stating that I can purchase a copy of my report for {$9.00}. Something is not right here.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint 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.

By the provisions of the Fair Credit Reporting Act. I demand that these item be investigated and removed from my credit report. It is my understanding that you will recheck these items with creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Section 1681i ( a ), you must complete this reinvestigation within 30 days of reciept of this complaint.

Please send me an updated copy of my credit report. according to the act, there shall be no charge for this updated report. i also request that you send notices of corrections to anyone who recieved my credit report in the past six months.

I Am a Natural Person, I am a living human being, I Have rights under 15 USC 1681. 

XXXX Is Gorvern By The USC 1681. And They Violated My Rights Numerous of times. I Also Demand the ( Accounts Type Below Listed Be Removed, Because According to 15 USC 1681 : I have the right to privacy and did not give consent/written permission to furnish any of these accounts. With images.
Product: Credit reporting or other personal consumer reports

Last XX/XX/XXXX somebody started trying to apply for credit cards with my social security number. They have applied for countless credit cards with my information and opened up a account with XXXX XXXX fraudulently which tool XXXX  months to resolve. I learned about the when applying for an apartment. I would like the hard inquiries made by this criminal removed from my credit reports since I never applied for a XXXX XXXX or XXXX  XXXX credit cards.
Product: Debt collection

I opened an account with Capital One Bank. 
The account was charged off, and a company called XXXX XXXX XXXX claims to have purchased the debt. 
I subsequently paid back Capital one Bank Directly for this debt. I have attached the proofs of payment. 
XXXX XXXX refuses to remove the tradeline from my credit report or update it as paid to capital one in full. 
I have sent portfolio recovery two separate written letters asking for this to be rectified.