23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Over the past year i have received multiple phones calls and letters from southern management systems. They reference a move out fee for an apartment I rented during college over 3 years ago. This particular move out/ cleaning fee was optionally paid during the beginning of my lease, namely the " express checkout fee '' option. I had paid this fee upon move in and thus they are not entitled to it again upon checkout. I have told them this over the phone multiple times to only receive a response of " mail us a copy of your lease proving that it has been paid ''. I certainly do not keep a copy of my lease of a college apartment from 3 years ago and after calling the apartment company they did not have a copy on file as they have changed electronic systems between this time period. I assume that during the change over it did not transfer that I had paid this " express checkout fee ''. After several more fairly aggressive conversations with representatives of southern management systems, where i am simply trying to explain the situation and get information about their claims, I made a statement that if it was necessary to take this to court I would be more than willing to. At which point the person I was speaking with stated that all further communication would have to be through mailed letters with their PO box . During this entire ordeal they never provided any evidence that the debt was legitimate, refused to communicate openly, and have threatened me with credit damage. If I do contact them by written letter I will be providing an attached invoice for my time they have wasted.
Product: Credit reporting or other personal consumer reports

Ive contacted the company several times through text, letters and cfpb complaints. I have requested evidence of this late payment being made per the fcra and fdca. No evidence of the late payment ever being made nor any evidence of me being noticed of a late payment being reported to my credit report 21 days beforehand. I want this late payment removed from my credit report and my payment history update as paid as agreed never late. My account number XXXX the late payment reporting is XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXXXXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting. 
XXXX - XX/XX/2021 - This inquiry was not authorized - The following inquiry was not authorized and should not be reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4100.00}, {$22000.00}, {$5300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$4100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a credit limit of {$5300.00} -This is not my account.
Product: Debt collection

Notice for Proof of Claim Account : I C SYSTEM INC # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Dartmouth College v. Woodward 4 Wheat 518 : XXXX XXXX XXXX, XXXX XXXX  XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT INCLUDE AN ACTIVE PAYMENT HISTORY. This inaccurate information falsely manipulates the statute of limitations. This account should be investigated properly and deleted for the negligence and violation of my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

After I opened the account in XXXX, I relocated to XXXX where they DO NOT have a payment in this state. I relayed my concerns and difficulty to the main office but they were not able to help me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous attempt to address the presence of late open account in my credit file. Despite our prior correspondence and my persistent efforts, it seems that the late open account have not yet been corrected. I kindly request that you escalate this matter and undertake all necessary steps to correct the late open account from my credit file. Transparent communication regarding the progress made and the actions being taken to address this issue would be greatly appreciated. I understand that rectifying such errors may require time and effort, but it is essential that we work together to expedite the removal process. Your cooperation and assistance in this regard are crucial to achieving a satisfactory resolution. The accounts should be corrected as soon as posssible : XXXX XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

I have home mortgage through Southstate Bank in XX/XX/XXXX. My initial mortgage amount XXXX. The XXXX year my mortgage increased to XXXX. The third year I'm receiving mortgage bills for XXXX. I called initially on XX/XX/XXXX to question. I was told it was the property tax. Contacted the XXXX XXXX assessor dept to inquire. They did not have me as this being my primary residence. Submitted the forms to correct. I was told the difference is between XXXX XXXX XXXX XXXX XXXX. Called Southstate Bank on XX/XX/XXXX for explanation on how a XXXX XXXX difference on a home purchased for XXXX can result in a XXXX dollar increase on my monthly mortgage and this is creating a financial hardship on maintaining my mortgage. The answer I received is they underpaid the initial tax and is adding the tax for XXXX years into my mortgage payment. Explained that XXXX is beyond my monthly budget. Was told they would contact the tax assessor for a correction, but I'm still liable for the increased payment. Asked if the tax amount was incorrect on my initial mortgage and was based on income. How can I be expected to pay more than double. Says they will research. I've paid the increased mortgage for the past XXXX months and can not maintain that amount.
Product: Debt collection

I ordered some coins from XXXX in the amount of {$670.00}. I never received the coins so my bank issued a chargeback. Now XXXX XXXX XXXX is trying to collect money for a product I never received. Its pretty simple to prove I never received the package. It was shipped with a signature required for delivery. There is no signature because I never received the coins!!! XXXX XXXX XXXX said to notify them within 30 days if I dispute the validity of this debt. So this is my dispute, with the CFPB as my witness. I do not owe this money.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX # XXXX Has violated my rights. 

I looked at my Experian and XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

On XX/XX/2021, I went to a Bank of America Branch to wire money to an Auction I bought an item from.The amount involved is XXXX XXXX XXXX and XXXX XXXX Dollars ( {$25000.00} ). The Auctioneer gave me detailed instruction on the transfer because it involved a Beneficiary Bank and an Intermediary Bank. The Associate at the store did everything right and I signed off before the transfer. However, when it got to the wire department, they sent the money to a different intermediary bank.I waited a day after ( XX/XX/2021 ) the transfer to see if it had posted. I called the beneficiary, Auctioneer, who told me he hadn't.I then called Bank of America again and they told me to wait. Because I needed the wire to post within a day, I paid for overnight wire fee. On day 4 after the wire had not posted, I arranged a 3-way call with a Representative from the beneficiary financial institution, myself and someone from Bank of Amerca 's wire department. It was during this 3-way call that it was revealed the money had been sent to XXXX XXXX, as the intermediary financial institution. XXXX XXXX  was never part of the transaction so it was a surprise to both myself and the rep from the beneficiary bank. So I decided to place a recall of the wire right away.. This was on XX/XX/2021. Since then, Bank of America has given me the run a round giving me so many excuses for not giving me my money back, from 'We have sent the request, to the other bank has acknowledged it but it's up to them when they return the money. In the mean time, I had to borrow to complete the payment for the item I purchased. I have tried at every call to let them know the financial distress I'm in because of the delay in getting my money back. Every time, I get told the same thing, that it's up to the other Bank when I get my money back. This is causing me a lot of distress.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( 1 ) ( A ) and XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$7900.00}
Product: Credit reporting or other personal consumer reports

I had someone that who I didn't I didn't talk to in months. She used my information to get something online at best buy on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am a victim of fraud and place credit alerts on all three bureaus I have had a judgment placed for a car I did not buy but still took the punishment and did a bankruptcy to clear it. Here we are 5 years later and instead of improving my credit went to worse but I dont understand how they get through my alerts if XXXX cant even answer the questions. I am a victim of data breach thru experian and had a supposed help for fraud and still nothing I have not had any inquiries for credit since my bankruptcy except for a car loan thru XXXX financial and that is it. I try to contact the credit bureaus and form a complaint but the negative still remains and inquiries still remain how can I have paid off 4 vehicles and my credit is less than before my bankruptcy?
Product: Debt collection

I am lifting the Cease and Desist order. Provide me the all documentation on this alleged account including the Sale Assignment ( how to submit it to me is in the letter attachment ). Mary Jane M Elliot is collecting on behalf of XXXX XXXX for an account I have no knowledge of. I have never had an XXXX account at XXXX XXXX XXXX, XXXX MI XXXX not even in XXXX as they representative XXXX XXXX stated. They stated the account was open in XXXX and charged off in XXXX which is impossible because my account was not in use at that time. I contacted XXXX they has never had an account for me with that address nor is there a past due old balance. I was not living on XXXX in XXXX its impossible for that to be my account provide me with strict proof. Check Attachment. Failure to provide it within 10 days will lead me to filing a police report and FTC report on Mary Jane employees who are involved in this account along with XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is NOT A DUPLICATE COMPLAINT but a complaint because I do not receive explanations of refusal or denials for my complaints and requests from XXXX XXXX, Transunion, and XXXX. Nothing. No letters of explanations, no phone calls, no reasoning, no positions ; nothing. I do receive letters from the Credit Reporting Agencies stating that they have forwarded to XXXX XXXX who claim that adhere to the Fair Credit Reporting Act ( FCRA ), by reviewing the accuracy and completeness of any disputed item. But they do not do this and simply rely upon XXXX XXXX who explains nothing. They do not explain reason why they did fraud investigation after charging off the account, then reducing the amount due, and leaving me responsible for a sum I could not afford to pay. Most if not all of my complaints and requests are either deleted by simply labeling the requests as duplicate, or stating facts, but never any explanations of why. THE PRIVILEGE OF RESPONDING IS TAKEN AWAY FROM ME WHEN THEY LABEL AS DUPLICATE. I sent sheriffs reports, IRS fraud affidavit, information on the felon who did this but XXXX XXXX refuses to explain and the credit reporting agencies feel they fulfill their obligation by pointing at another and sending form letters.
Product: Debt collection

Reviewed my credit and realized there is a collection listed under name of XXXX XXXX XXXX. I have no knowledge of this account. This company never provided any information to validate this debt. I never received any legitimate proof before this negative account was placed on my credit reports.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that all accounts and inquiries resulting from the breach be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
The following accounts should be blocked and deleted : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please promptly block and delete these accounts and inquiries from my credit report as they were made due to unauthorized access resulting from the data breach. Kindly provide written confirmation once the accounts and inquiries have been removed, along with an updated copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The purpose of the letter attached is to dispute the Bank of America credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the status of the loan ( ID : XXXX ) that I got from Affirm. 

On XX/XX/XXXX I disputed the loan to Affirm since I did not receive the purchased item from the merchant that I used the Affirm loan for. In this case I was hoping to use the resources that Affirm had on their website to resolve the issue On XX/XX/XXXX Affirm closed the dispute in favor of the merchant, and immediately made the loan past due. Up to this point, I did not receive the product that I paid for, and the merchant refused to refund, or to replace the item. From that point, the XXXX of XXXX Affirm immediately reported to the credit bureau that the loan was 30 days past due, despite freezing the account for 55 days and not allowing for a payment. 
Website : https : /XXXX.affirm.com/s/XXXX From website : ( After reviewing the evidence, we'll notify you of a decision within 15 calendar days ( it could be up to 90 calendar days at some merchants if you used a virtual card for the transaction ). 
While your purchase is in dispute, you're not allowed to make payments on your loan. )