23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was being XXXX, and as a active military member I gave the lease office 30 days notice. I paid the last months rent and got a XXXX out balance and was told I was good to go. I returned a year later to see I was still being charged rent and was never notified about it. I never got the change to dispute it with the leasing building prior to it being sent to collection. The company sold the building and have not been about to track down the original owners. I feel that this debt is unjust and has really hurt my credit to a gross oversight.
Product: Debt collection

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased windows using my Capital One card back on XX/XX/21, the charge on the card was processed on XX/XX/21. The amount was {$3000.00}. The company is XXXX XXXX and now facing multiple law suits because people are not getting their order or refund. On the window contract delivery should have taken place 16 weeks after the purchase. Each month the company would say the order was delayed so I never disputed the charge right away because I thought I'd get my windows. Now over a year later I have realized my windows will probably never come. I contacted Capital One and was told I can dispute the charge since I never got the product delivered. The customer service rep told me that they will reach out to the company and if they can not prove they delivered /installed the windows then I will get my money back and they credited my card the amount paid for the windows. I was never told I'd have to fill out a form regarding this and the form is due back in a certain amount of time. So while I was waiting to hear back on the merchant 's response, Capital One had sent a form to my account electronically that I did not know was there since at that point I had no balance on the card so I didn't need to access the account to make monthly payments. Then I find out through a paper letter that I missed the deadline. I called Capital One explaining the situation. They said I could reopen the dispute so I filled out the form and sent it in right away. One day later I get a response saying the dispute is denied since I didn't file within 60 days of the purchase ( as I stated previously, I never initially disputed the charge since the company kept saying the windows were just delayed ). I called Capital One and then was told it really was because I didn't initially fill out the form in time so they can't dispute the charge with the merchant since they'd would be breaking their policy by letting me fill out the form after it was due then giving the merchant a loophole to say they don't have to pay. 

As you can see this is a huge mess. I can't get anywhere with the window company. Since I thought the charge was credited I purchased new windows using the same credit card. Now I have the new charge and the old charge that they reversed. I have sent a certified letter to the window company requesting a refund, no reply. I call and leave messages but nobody calls back. I desperately need to have this charge reversed or at least credited while the situation is investigated so I am not paying interest on the money for a product I never got. Please help me, thanks in advance.
Product: Money transfer, virtual currency, or money service

CFPB ID XXXX-XXXX  I do not agree with the actions taken by the PHH Mortgage company to resolve my previous complaint number XXXX-XXXX. They stated in a letter sent to me on XX/XX/2021 that they would issue a Check of {$600.00} by over night delivery for the replacement of lost stock certificates. They gave me a tracking number for the check. I called XXXX  to find out about the tracking number and was told that XXXX never received that package to forward it to me. When I called the PHH Agent and told them about not receiving the check I was informed that the PHH research department would contact me. Well I got a letter from the PHH research department requesting that I provide them with information about the check, and to send them a copy of the check. Common sense in the part of the PHH research department is surely missing. I just finished telling anyone who would listen, at PHH Mortgage, that I havent received their check for {$600.00}. Please help PHH understand what this entire situation is all about. Simple solution is to nullify any check they thought they had sent and issue a new check for {$600.00}.
Product: Credit card or prepaid card

I paid and mailed my Cap 1 Mastercard bill of {$76.00} on or about XX/XX/XXXX. I used check XXXX ( check copy attached ). I got an email on XXXX that my payment was late. An online check revealed that CP 1 had charged me a {$25.00} late fee and {$21.00} in interest for a total of {$46.00}. I tried calling that day but the voice recording said their offices were closed ( note : I live in Hawaii so there is a time zone difference ). I called CP1 on XX/XX/XXXX and rep. XXXX told me that they had only gotten the check today. I asked if they could waive all fees and interest and XXXX   told me they could only waive the late fee of {$25.00}.

I paid the bill on time and there is no indication that it was lost in the mail and for all I know the check could have been on a pile or misplaced at CP1. I have never been late before and it does not seem fair to have to pay {$21.00} interest on a balance due of {$76.00}, Capital One should reverse all charges ( {$46.00} ) as they did receive the payment, which was mailed on time. Additionally, I am a customer in good standing and never late.
Product: Checking or savings account

I have had {$300.00} dollars worth of income defrauded from my checking account, and after the bank 's " investigation, '' it was deemed that I made these charges, when I in no way, shape nor form authorized them nor participated in them. 

As a result of this seizure of my funds, I am facing homelessness AGAIN. 

I had a person staying with me for a few weeks, named XXXX XXXX XXXX XXXX XXXX, who took my wallet, while I was asleep and initiated numerous financial transactions all over town. I did not give him the card nor my PIN, and no authorization was given to him. 

I am requesting that this amount plus damages be awarded to me and be placed back into my account. There were cameras at these ATMs and this bank knows XXXX well that I was not the one who withdrew this money from my account. Please assist.
Product: Credit reporting or other personal consumer reports

This is my multiple endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$350.00} ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX. Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX.
Product: Debt collection

There is a collections report on my credit for a XXXX that was open back in XX/XX/XXXX of XXXX. I for one was not in the country at the time and second. I didnt need this because I already have a phone through XXXX that I open back in XXXX and I called XXXX and I asked him to see if they could find the account for XXXX that says that I owe them and they said there was nothing there, the only account that I have is the one that I currently have on me I can give you my account number for the XXXX that I have and its good standings. The other one that says I owe them {$1000.00}. Im not sure where that came from Im assuming somebody got a hold of my Social Security number and opened it and just never paid it off or something, but I saw it on my credit report as in collections and I need removed because thats not fair to me because that is not something that I opened.
Product: Credit reporting or other personal consumer reports

I recently checked my credit and noticed there are a LOT of injuries that I did not authorize and have no knowledge of. I reached out to the credit bureaus who told me to reach out the creditor themselves. I called but they were not willing to help with removing them.
Product: Credit reporting or other personal consumer reports

The account was incorrectly added to my report. I disputed it with XXXX several times to get it removed from my account. I asked for verification of the account which they did not provide on at least three occasions
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a XXXX XXXX credit card, account number XXXX in XX/XX/XXXX. I have an erroneous 30 day late payment on my 3 credit bureaus from XX/XX/XXXX. 
I would like the late payment removed but prefer the account to be removed.XXXX XXXX has since been sold to or is administered by XXXX XXXX XXXX.ALL CHARGES WERE FRAUDULENT ... YES, ALL CHARGES WERE EXCESSIVE.I WAS INDUCED BY XXXX XXXX TO APPLY FOR CREDIT FOR A DEEP DISCOUNT ON MERCHANDISE. 
THE DISCOUNTS WERE ONLY PARTIALLY CREDITED. 
XXXX XXXX HAS A PATTERN AND PRACTICE, EVEN TODAY OF FALSE ADVERTISING, ... .THE DISCOUNTS OF 10,20, 25, AND 35 PER CENT ARE NEVER CREDITED.THEY FALSELY ADVERTISE AND DO NOT THOROUGHLY AND COMPLETELY REVEAL THE BRANDS EXCLUDED FROM THE ADVERTISED DISCOUNT UNTIL YOU ARRIVE AT THE PAYMENT COUNTER..THEY WILL GIVE THE DISCOUNT ONLY ON THE CHEAP XXXX JUNK AND ON NONE OF THE NAME BRANDS.XXXX XXXX IS IN THE RETAILING FRAUD BUSINESS.I LIKE THE STORE BUT I HAVE NEVER BEEN CHARGED FAIRLY FOR THE UNDISCLOSED EXCLUSIONS FOR THE SALE COME-ONS.IF THE CFPB INVESTIGATES THEY WILL BE ABLE TO PROSECUTE FOR THEY PRACTICE MY ALLEGATIONS AND VIOLATE WITH THEIR FALSE ADVERTISING TODAY.THEY ARE BOLD AND BLATANT CRIMINALS AND UNAFRAID TO INDUCE ANYONE INTO APPLYING FOR CREDIT FOR THE FALSE PROMISE OF DISCOUNTED MERCHANDISE.THEIR STORE WINDOWS AND MAIL ADVERTISING DO NOT OBEY THE LAW REGARDING ADVERTISED DISCOUNTS AND EXCLUSIONS IN CALIFORNIA ... .SO IN EFFECT ALL OF MY CREDIT CHARGES CONTAINED SOME LEVEL OF FRAUD OR THEFT BY XXXX..THEY NEED TO BE SUED BY A SMART CLASS ACTION ATTORNEY AND THE CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX keeps adding balances and subtracting balances from my accounts because the amounts being reported are incorrect. I have requested written documentation verifying my signature on loan documents to no avail. This is adversely affecting my credit score. XXXX has REMOVED the information from my accounts because of XXXX XXXX inability to provide proper documenatation, however, the accounts are still showing inaccurate on XXXX and Experian.
Product: Money transfer, virtual currency, or money service

I invested money in Cryptocurrencies via Coinbase. After a couple of months, I made a profit and started the process to withdraw funds, I made a SEPA payment to link my bank account to Counbase to withdraw, it has been a few weeks since the SEPA payment and the only response I get is, we will get back to you in 2-3 working days. I have around 600 in the account so its important j get it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I obtained a copy of my consumer credit report from XXXX, XXXX and Experian on XX/XX/2023. While going through my credit report I've noticed unauthorized inquiries that wasn't initiated by me. I even sent certified mail letter to each credit reporting agency with return receipt to delete the inquiries, but they have failed investigate to remove the information 's that is being furnished. Here 's the tracking number for the letter I've sent to XXXX [ XXXX ]. The certified mail tracking number that I sent to Experian is [ XXXX ], however they didn't remove the false inquiries. The XXXX tracking number is [ XXXX ], they have also failed to investigate and delete the inquiries. Below I have attached the letters that were sent to each credit reporting agency alone with the Certified mail receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not complying with their own policies in a timely manner. I mailed a letter with the date of XX/XX/2021 outlining all incorrect information regarding several accounts on my credit report. Then I followed up with another letter to the credit bureaus that has the date XX/XX/2021. Theres still no final resolution or response regarding the incorrect information that is on my credit report from the credit bureaus. Also another letter was marked XX/XX/2021 to remove inaccurate credit information and I havent received any response regarding the letter marked XX/XX/2021. I see multiple FCRA violations and misleading false information thats being reported from several accounts. Also XXXX and Equifax is sharing false information that is being reported on my credit report. This information is false and also a violation of my character and my credit.
Product: Debt collection

I am writing to dispute a charge that has been incorrectly added to my account from XXXXXXXX XXXX which recently underwent a name change or change in ownership. All rent was paid in full, and I left the apartment in excellent condition. No money was owed at the time I vacated the property. 

Upon returning the apartment keys, I specifically asked the office staff if they would like to conduct a walkthrough inspection of the unit. They declined my request, and at no point did they indicate any additional fees or charges would be assessed. It was only after I moved out that I was notified of this alleged charge, which had never been disclosed or mentioned prior to my departure. This raises concerns about the validity of this charge and why it was not addressed while I was available to discuss it. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting verification of this debt, including a full explanation of the charge, the date it was incurred, and any documentation supporting its validity. If this charge is related to the condition of the apartment, I request a detailed breakdown of the claimed damages and clarification on what is considered normal wear and tear versus chargeable damage. Since I left the apartment in great condition, I contest any claim suggesting that I am responsible for repairs or cleaning beyond normal wear from regular use. 
As outlined under 15 U.S.C. 1692g of the FDCPA, I am formally disputing this debt and request that all collection efforts cease until this debt is validated with adequate proof. Failure to provide sufficient verification or justification for this charge will leave me with no choice but to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action if necessary. 

I look forward to your prompt response and a swift resolution to this issue.
Product: Credit reporting or other personal consumer reports

I HAVE CHALLEGED INACCURATE ITEMS MULTIPLE TIMES AND MULTIPLE TIMES SOLUTION HASNT BEEN RESOLVED PLEASE DELETE THE FROM CREDIT REPORT DUE TO INACCURATE INFORMATION. IF INFORMATION IS COMING FROM CREDIT FUNISHER IT IS NOT CORRECT ACROSS THE BUREAUS. PLEASE DELETE!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inaccurate information that has been reported on my credit reports by XXXX XXXX. According to my credit reports, the account number XXXX was reported as a revolving account by XXXX and Equifax, while XXXX reported it as a credit card account. Moreover, XXXX reported a {$0.00} monthly payment, while XXXX and Equifax did not disclose it. XXXX and Equifax also reported a balance of {$0.00}, while XXXX did not. 

Based on the details provided, XXXX XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) - Requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information in the consumer 's credit file.

Section 623 ( a ) ( 1 ) ( A ) - Requires furnishers of information to consumer reporting agencies to provide accurate and complete information about the consumer 's account.

Section 623 ( a ) ( 2 ) - Requires furnishers of information to correct and update information about the consumer 's account when they are notified of errors.

Section 623 ( a ) ( 5 ) - Requires furnishers of information to report the date of last activity on the account accurately.

Section 623 ( a ) ( 7 ) - Requires furnishers of information to report the balance on the account accurately.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 612 ( a ) ( 7 ) requires consumer reporting agencies to disclose all information in a consumer 's file, including the payment history and any dispute comments. XXXX XXXX failed to disclose the {$0.00} monthly payment to XXXX and Equifax. 

This inaccurate reporting has had a significant negative impact on my life. It has made it difficult for me to obtain credit or secure loans at reasonable rates, even though I have been financially responsible and timely with my payments. I have been denied credit for a mortgage, car loan, and other essential needs because of the false information on my credit report. This has caused me a great deal of stress and anxiety, and it is unfair that I am being punished for errors that are not my fault. 

Therefore, I am requesting that XXXX  XXXX immediately remove the unverified collection accounts from my credit reports, in compliance with the FCRA and FACTA. I also urge the CFPB to enforce legal action against XXXX XXXX to ensure that they are held accountable for their violations and that this issue is not repeated for other consumers. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 I have money sitting on my XXXX XXXX which I am trying to cash out to y PNC account and PNC has blocked it. I have no other way to get the money off the XXXX XXXX and I have sent messages to PNC but it is still blocking me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Delete hard inquires : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX