23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2018 A letter sent to me from XXXX XXXX XXXX a collection agency.

regarding breach of lease agreement in the amount of XXXX I was a cosigner for my daughter on a lease for a rental. She had paid all her rent owed every month. When she left we cleaned the space and a couple weeks later the landlord sent a letter of damages due minus the security deposit. He sent it with several invoices from companies to perform work of said damages. these were only estimates not paid work that was done. The charges were from everything from gardener picking up dog feces to a charge for the entire property being pressure washed. Approx 3000 square feet. her rental space was an attached two bedroom granny flat to the primary home.

and other charges for repairs for his property that have nothing to do with the rental space. When I called the collection agency they informed me it was filed by a third party and that I needed to reach out to the person listed as the creditor. Which is the landlord, I called him several times and he has not returned my phone calls. I have sent a certified letter to both the creditor and collections agency that I strongly dispute this action. How can a landlord turn a renter into collection for made up charges for repairs to his property that he has not even paid for himself and these charges are false ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of troubling and on going ID THEFT. I have had a fraud account that was removed from my credit report and Experian has in the past removed it and now they are re-reporting it. I have sent in police reports as well as other supporting documents.   XXXX   XXXX   WITH A BALANCE OF  XXXX  THIS IS A FRAUD ACCOUNT AND NEEDS TO BE REMOVED. I HAVE SPOKEN WITH  XXXX  AND WAS TOLD IT WAS EXPERIANS RESPONIABLY TO REMOVE THIS
Product: Credit reporting or other personal consumer reports

These difficult queries don't belong to me they should be deleted please help me thank you very much. 
XXXX XXXX XXXX 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 or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account XXXX : XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to inform you that on XX/XX/XXXX, I contacted Equifax regarding the incorrect information on my credit report. Despite my initial contact, I have not received any response from Equifax to date. I would like to report the following inaccurate information on my credit report and request the necessary corrections : Account Name : XXXX  Date Opened : XX/XX/XXXX Balance : {$1300.00} This account does not belong to me, and I request its immediate removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a  XXXX   XXXX  account on my credit report since  XXXX   XXXX . I have asked for verification from  XXXX   XXXX  of this negative account that they have reported to credit bureaus,  XXXX ,  XXXX , and Equifax. I sent out a letter on  XXXX   XXXX ,  XXXX .  XXXX   XXXX  signed for the letter on  XXXX   XXXX ,  XXXX . I gave the company 30 days to respond with more information on this account. I did not receive a letter until  XXXX   XXXX ,  XXXX . The company is not only reporting inaccurate data but has also broken the FDCPA. I have all documents and dates of the communication between  XXXX   XXXX  and myself. The company has continued to break the law. I have tried communicating with them and they refuse to talk with me. I have sent multiple letters asking for validation on the account. The company is also refusing to send a letter stating that if i do pay this debt they can not guarantee that it will reflect as paid on my credit report. When i asked to speak with a supervisor for this matter, i was told they did not have any on staff.  XXXX   XXXX  has also sent the account to a collection company and when you ask who has ownership of the account, they both point fingers. The company holding the account says they do not report to the credit reporting agencies and when you ask  XXXX  to send a letter asking to update to the credit bureaus once paid, they state that they can not do that.
Product: Checking or savings account

On XXXX XXXX XXXX we filed claim number XXXX with Wells Fargo Bank NA disputing unauthorized transactions made between XXXX XXXX XXXX  and XX/XX/ totaling {$1400.00}. 

Wells Fargo denied the claim. We disputed the denial and they again denied the request for reimbursement. 

The charges are from restaurants and food delivery services in XXXX XXXX XXXX  We reside in XXXX
Product: Money transfer, virtual currency, or money service

I made a wire transfer of {$2000.00} us dollars on XX/XX/XXXX at XXXX XXXX PT. The company policy about wire transfers clearly states that wire transfers made before XXXX XXXX PT will be credited same day, as today XX/XX/XXXX my money has not been credited on my account, i tried to reach the customer support but they were kind of rude and their answers were vague and not clear ( they do n't know a time frame to be resolved or if it 's going to be solved ).
Product: Credit card

Bank of America sent an email telling me to unfreeze my credit so they could issue a credit card. Also someone tried to open a Bank of America online account. Also XXXX XXXX XXXX sent me a letter telling me my application for a loan was denied since i have my credit frozen. I did not make and application. It was sent by XXXX XXXX XXXX on line for financing.
Product: Credit reporting or other personal consumer reports

This information needs to be removed immediately because it's fraudulent and inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent letters to XXXX, XXXX, XXXX, and also the company ( AD ASTRA RECOVERY SERVICE ) thats reporting inaccurate information to my account. Ive sent these letters XX/XX/2020 asking them to verify the account according to FCRA on my report which doesnt belong to me and they have completely ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list accounts below has violated my Federally Protected Rights to privacy and confidentiality under 15 USC 1681. # XXXX # XXXX # XXXX # XXXX. 15 USC 1681A. States that I have the right to privacy.. 15 USC 1681 section 604 A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1691. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of conviction of crimes which antedates the report by more than 7 years. 15 USC 1681b permissible purpose of consumer reports, The Law Clearly States : subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
Product: Money transfer, virtual currency, or money service

They said I have to wait 180 days to Get my money!!!
Product: Debt collection

company is in clear violation of the law under 15 U.S. Code 1692c - Communication in connection with debt collection. The law clearly states that : IN GENERAL ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. This agency is in violation of 15 U.S. Code 1692c.
Product: Debt collection

My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT a request for verification or validation of debt. This is a NOTICE & DEMAND to EQUIFAX that the listed institutions ATTACHED in the notice have not conformed and are currently reporting in non-compliance with the following XXXX XXXX XXXX XXXX. I never received the required Privacy Notices from these corporations that EQUIFAX is reporting on my consumer report. By publishing these non-compliant account ( XXXX ) on my credit profile and distributing them to XXXX parties you are INTENTIONALLY DAMAGING my reputation, are infringing on my unalienable rights to privacy and damaging my credit worthiness. 

Also, I did not give any " credit bureau '' corporation permission to report any late payments and negative items to my report. EQUIFAX is a third party corporation and I did not give EQUIFAX permission or authority to use or communicate my information with any third parties under USC 1692c ( a ). EQUIFAX assembled a consumer report without my authority. This is identity theft.
Product: Consumer Loan

I took out this loan 15 mos ago. At first it seemed like a good deal at the time. Then I found out after I had already signed to the terms that they had duplicated my student loans more than once when they were calculating my DTI. My loan was consolidated as XXXX loan at the time and it was in deferment so when they duplicated it they added it several times as a XXXX. I 'm not sur if this was to drive up the interest rate or what. Also they reported mostly interest to the front of the loan, so paying it off was going to take longer than it would a regular loan. Lastly I paid off the loan on the XXXX of XXXX. I was told that they were going to report it paid to the credit bureau on the first and mail me back my original contact, however they have not and I have already spent money on a credit report with my mortgage company, just to have it show inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is double reporting the same debt on my credit file for XXXX XXXX. As per my understanding this is a violation of the FCRA to double report the same debt on my credit file. This needs to be fixed immediately.
Product: Debt collection

Someone from a home in XXXX XXXX XXXX XXXX, GA has stolen my identity to open an account with XXXX XXXX XXXX which has gone to collections under my name. 

Their phone numbers are XXXX & XXXX. The amount is {$2800.00} owed to Sunrise Credit Services. I have filed a police report and would like them to clear these collections from my name.
Product: Credit card

I was in a debt repayment program with a set amount that I paid each month to the credit card company. The final payment was an over payment. When I saw that I had a two dollar credit, I wrote and asked that I receive a refund check for this amount. I sent XXXX letters, as I thought that the first did not reach them. About three weeks later I did receive a check. 
I went to my bank and cashed the {$2.00} check, so you can imagine my surprise when I received a copy of the check from my bank with a stop payment order. I was also accessed a {$12.00} fee for the stop payment on my account. 
I have attempted to contact American Express. I even went on XXXX to try and get this resolved. I just keep having to try and explain it over and over .... 
If the money owed had been on my side, they would not have hesitated to demand that I pay up immediately. 
When I tried to call them, I was switched to a different extension, and after about XXXX XXXX minutes the line went dead. I 'm tired of going through this and re explaining everything to American Express. I 'm tired of having to go back in the long line to get someone to talk to. 

I want a refund of the original credit along with reimbursement of the fee that my account was charged. I do n't think a {$2.00} check will break the bank for AmEx, but I am aggravated that not only do I not get money owed me, but have been accesses an additional fee as well - for their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Account Number XXXX in the amount of {$400.00} 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 states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

XX/XX/XXXX I was notified of my bank account being shut down within the letter it says date of deposit XX/XX/XXXX {$5700.00} was deposited date available for that amount was XX/XX/XXXX it was a whole put on the check this is a check that I did not know about. And this was my business account that this happened to
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking, and the information listed below, which appears on my credit report, is the result of that trafficking. I am requesting that you block this information from my credit report under Section 605C of the Fair Credit Reporting Act. 
Accounts to be Blocked : XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Closed High Balance : {$1100.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$500.00} Remarks : Account Previously in Dispute - Now Resolved XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, Delinquent High Balance : {$22000.00} Remarks : Past Due XXXX Days Past Due XXXX. XXXX XXXX Account Number : XXXX Status : Charge Off High Balance : {$11000.00} Remarks : Unpaid Balance Reported as Loss XXXX. XXXX XXXX XXXX Account Number : XXXX Status : Open, 30 Days Past Due High Balance : {$2600.00} Remarks : Account 30 Days Past Due XXXX. Extra Account Number : XXXX Status : Closed, 90 Days Past Due High Balance : {$440.00} Remarks : Account Closed at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX Status : Closed High Balance : {$600.00} Remarks : Closed or Paid Account/Zero Balance XXXX. XXXX Account Number : XXXX Status : Closed High Balance : {$720.00} Remarks : Closed or Paid Account/Zero Balance
Product: Virtual currency

My husband opened an account with Coinbase, an online trading tool for XXXX, in 2014. He passed away in 2014 and, to date, despite having provided all the information requested by Coinbase, I have been unable to access his account and sell the XXXX. There is no phone number for customer service and all my email requests for assistance have been ignored.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), secti  on 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section.
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negativ  e information to the credit reporting agencies in connection with the aforementioned account  s may constitute the reporting of false information, causing damage to my reputation and future credit worthiness.
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue.
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a time-frame for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney Generals office. The items that appear on my credit report as : 1. ACCOUNT NAME   :  XXXX   XXXX   XXXX  #  XXXX  ACC BAL : {$100.00} This account has never produced a Proof of Claim nor has it responded in the 30 days since notification, error please delete.    2.  ACCOUNT NAME :  XXXX   XXXX   XXXX  #   XXXX  ,  XXXX ,  XXXX   XXXX   XXXX , {$28.00} This account is a duplicate never showed proof of claim error please delete.   3. ACCOUNT NAME :  XXXX  #  XXXX   ACC BAL  {$100.00} This account was Discharged in bankruptcy was never updated properly error please delete.
Product: Debt collection

I respectfully request that you conduct a thorough investigation, as by the Fair Credit Reporting Act ( FCRA ). I would like to request that you please send me a template letter in response to this request. I am in the process of planning a legal case, So I need specific answers to specific questions asked of you in this letter. I am very interested to learn how your XXXX ( XXXX ) arrived at this conclusion. I would like to see a complete list of all documents and correspondence between the credit bureau, existing creditor, and original creditor. Please include all names and contact information of employees that you spoke to as part of your investigation. These accounts listed below as collections /charge off / Late pays/ charge offs on my credit report, but I have never received a 1099c for these accounts. Can you please provide me with a XXXX to accurately reflect them being charged off for tax purposes. XXXX XXXX CODE XXXX XXXX XXXX Code XXXX XXXX Code XXXX ( b )
Product: Credit reporting or other personal consumer reports

According to credit reporting act 15 USC 1681 section 602a states theres a need to make sure that consumer reporting agencies demonstrate their grave responsibilities with impartiality fairness and respect for consumer right to privacy. XXXX, Equifax, and XXXX are consumer reporting agencies, and I am the consumer. I have the right by law to make sure my private information is not shared, which is backed by 15 USC 1681, Therefore, it states its the policy of congress that each financial institution has an affirmative and continual obligation to report the privacy of Its consumers and to protect the security and the confidentiality of those consumers non-public personal information, ( furnisher of information to credit agencies. ) Which is a financial institution under that title.

15 USC 1681 section 604a section 2 states that in general subject to subsection ( c ), any consumer report agency may furnish a consumer report under the following circumstances and no other : according with written instructions of the consumer to which it relates. ( Furnisher of information to credit agencies ) The financial institutions and the consumer reporting agencies XXXX, Equifax, and XXXX XXXX does not have my consent to furnish this information and they surely never had my written consent. All and any consent to XXXX, Equifax, and XXXX, ( furnish of Information to credit agencies ) whether it be written, verbal, non-verbal, implied or otherwise is revoked. 
15 USC 6802 ( b ) ( c ) states that, A financial institution does not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer may exercise that nondisclosure option, Furnisher of information to credit agencies ) Never inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681c ( a ) ( 5 ) states, Except as authorized under subsection ( b ), no consumer reporting agencies 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.

Therefore, these accounts are adverse items they are reporting again without my permission, which is against the law according to 15 USC code 1682 s-2 ( A ) ( 1 ) A states a person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.15 U.S Code 1681c states, consumer reporting agency shall maintain reasonable procedures designed to avoid violation of Section 1681c of this title and the limit the furnishing of consumer reports to the purpose listed under Section 1681b of this title, XXXX, Equifax, and XXXX are not maintaining reasonable procedures. Also 12 CFR states, a consumer may exercise the right to opt-out at any time.
Product: Debt collection

I am writing to formally dispute the accuracy of an account reported on my credit report. Pursuant to 15 USC1681 of the Fair Credit Reporting Act FCRA I request that you investigate and verify the accuracy and legitimacy of the following account.
Product: Credit card or prepaid card

BBVA changed the way my minimum payment was to be calculated by adding a disclosure to a bill that I never saw, so i wasnt able to opt out of the change, resulting in a {$25.00} per month increase of my min. payment due. I am on fixed income, can not maintain the higher pmnt. 
Called and spoke with male, who couldnt help and transfered me to a supervisor who refused to help me ( Supervisor : XXXX empl # XXXX ) The co obviously minimally disclosed change so they can get more $ $ every month on high risk debtors they feel may eventually stop paying them. They have my email and my phone for texts if they wanted to make sure I understood my option to opt out of the increase. I feel the disclosure was insufficient and I should be opted back to my originsl agreement with them. 
My complaint reference # with BBVA is # XXXX