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

I am filling a complaint against Equifax because they violated section s.1629e ( 8 ) of the debt collection practices act. Which clearly states that any information know to be false, can not be reported to any credit bureau, I request that you immediately delete this information from my credit reports. A credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

I sent a dispute letter demanding verifiable proof to an unverified account on my credit report on XX/XX/19 and the letter arrived on XX/XX/19 according the tracking from USPS. The 30 days passed and I did not receive any response from Equifax. First violation of the FCRA s.1629e ( 8 ). 

I sent a 30 day non response letter enclosing a copy of the original letter that I mailed to the company via certified mail requesting they verify the alleged debt the company claims I owe. The non response letter was sent on XX/XX/19 and arrived on 10/3/19.The 30 days passed and I did not receive any response from Equifax. Second violation of the FCRA s.1629e ( 8 ). 

All letters were sent with a copy of my identification documents as well as notarized form proving my identity. 


The company failed to respond to this validation request. A credit bureau is required to respond and complete the investigation within 30 days. They did do not respond within this time frame or respond at in my case so they must remove the negative listing disputed. If they do not, they are in violation of the FCRA
Product: Debt collection

I submitted a complaint already and the company responded by telling me Im wrong and that the apartment was left beyond reasonable repair. I have emails from when we moved into the apartment stating the apartment was not clean at all and that the blinds were already broken. Ive already explained the carpet situation, they needed to be replaced because of damage done by the apartment maintenance people, they were already replacing the carpets and painting because they were renovating all apartments. We did not do any damage to that apartment and left it just like we found it. The trash they claim was left there was one bag that the office itself told us was okay to leave up there as the apartment trash bins were overflowing. And as for contacting the apartment, I have made many attempts to reach them and have the manager phone number. She never answers the phone and never calls me back even though Ive left several upon several messages. My roommate and I moved into the apartments at XXXX XXXX  XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.
Product: Debt collection

I sent a letter to XXXX on XXXX from my credit report to send me the information that i signed an agreement with the company Portfolio recovery and they didn't send anything to me but an email saying Before Dispute Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address identification number PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor XXXX XXXX Account number XXXX .... 
Type Debt Buyer Terms XXXX  Months On record until XX/XX/XXXX Recent balance {$430.00} as of XX/XX/XXXX Credit limit or original amount {$430.00} High balance XXXX XXXX Monthly payment {$0.00} Date opened XX/XX/XXXX Date of status XX/XX/XXXX Responsibility Individual Status Collection account. {$430.00} past due as of XX/XX/XXXX. 

After Dispute Account name PORTFOLIO RECOVERY ASSOCIATES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Address identification number XXXX Original creditor XXXX XXXX Account number XXXX .... 
Type Debt Buyer Terms XXXX Months On record until XX/XX/XXXX Recent balance {$430.00} as of XX/XX/XXXX Credit limit or original amount {$430.00} High balance Not reported Monthly payment Not reported Date opened XX/XX/XXXX Date of status XX/XX/XXXX Responsibility Individual Status Collection account. {$430.00} past due as of XX/XX/XXXX. 
Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 
Reinvestigation information This item was updated from our processing of your dispute in XX/XX/XXXX i never signed anything with this company on this acct. I would like this acct to be removed.
Product: Payday loan, title loan, or personal loan

Had taken out a payday loan/installment loan on the Check N Go location on XXXX XXXX XXXX location in XXXX IL. I had to ended up filing Bankruptcy on the loan some years after ( payments were made on the loan ) due to loss of job and change of income and relocation and excessive debt. I contacted the XXXX hotline to inquire if any payday loans had been taken out without my persmisson and system stated/representative informed me that the loan was not closed out under my bankruptcy protection. I have the creditor listed under my Chapter XXXX bankruptcy which was filed and discharged back in 2015. I recently went into the location of lender and was informed that they were not able to give me any paperwork stating that the loan was taken out or anything showing the balance in which I had taken the loan out. I needed something from the location of the store so I could have something to show that I had indeed had the loan and that it needed to be closed out. I called the customer service number in which I was given and was informed that I do not believe was a valid department for the lender. I need to make sure that the account is closed out or given something that shows the account number so I have it updated that it was closed/marked under my bankruptcy. When I asked the store associate for information. The associate informed me that they were not able to give me any information and to call customer service.
Product: Credit card or prepaid card

I have been a long standing customer with Synchrony Financial and have several accounts with them. I have tried to contact them over over the past month to see if they would could help out lower my rates with the pandemic and did get assistance for my CareCredit  account that I have used for health care costs however, 2 of my accounts were randomly closed for reasons of my credit score being low when I have always been in good standing, made my payments on time and even had substantial credit available. One of the accounts is for Rooms To GO that I hadn't used for several years that up until XXXX of 2020 had a {$0.00} balance and purchased new furniture. Some of the furniture had to be returned and made a different choice which they had yet to reconcile the balance which says I have a negative balance. Now they closed the account saying I'm a risky customer when one they need to reconcile and afterwards would have significant credit available and always made my payments on time and greater than the minimum balance. The other account is a CarCenter One account with nearly {$1000.00} available in credit, always made payments on time. I tried to get my rates lowered and they stated I had the lowest rates and now the closed the accounts, saying the only way to reopen is to apply for new acccounts which would negatively affect my credit which is the same reason they closed the accounts, stating too many inquiries and too many balances. I feel this was unfair treatment of a longtime customer that has always made payments on time, asked for help during this timeframe of being in a pandemic, account not even been reconciled correctly to display the correct credit available while having more than enough credit available and now shutting them down. Now I'm afraid they will close the CareCredit Account which is something that I need desperately in case of an emergency for healthcare needs for these very same reasons which has not been close to the high balance and I've alway been in good standing. I plead that they do NOT close that account.
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a collection letter was sent to me by Portfolio Recovery add a derogatory mark on my credit report per XXXX XXXX. Upon Further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was No written form of Communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and says its mines. According to the FCRA, Portfolio Recovery has violated my rights as a consumer and I'm requesting legal action to remove this account legally
Product: Credit reporting, credit repair services, or other personal consumer reports

Violation of my rights and they refuse to honor the law that has be set. XXXX XXXX XXXX XXXX has denied my request 4 times and Transunion is Failing to comply 15 USC 1681 section 602 A States I have a right to privacy 15 USC 1681 Section 604 A Section2 it also states consumer reporting agency can not furnish account without written instructions 15 USC 1681 section 603 ( 3 E ) I demand this account be remove immediately its be to long
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, personal loan, or advance loan

My lender ( Goodleap ) was making advanced payments to my contractor ( XXXX XXXX ) prior to work being completed, permits taken, inspections passing and XXXX issued. My lender also did not do their due diligence PRIOR to paying contractor. When I received the news that XXXX XXXX went out of business without finishing the whole project I asked Goodleap to cancel my contract as it was just starting and the project was not finished. They refused and told me I would have to find another solar company for maintenance of my panels. Goodleap is threatening to put a lien on my house if I dont make our monthly payments. There were many violations that XXXX XXXX violated and was obvious to Goodleap. I emailed Goodleap informing them that the panels were not producing and that XXXX XXXX still had to take down an XXXX tree that the canopy covers our whole roof ( without the tree coming down the panels are useless ) and they ignored me. I also have requested the following documents to be sent to me A copy of the complete file -The agreement between Goodleap and XXXX XXXX -Documents from Goodleap confirming each milestone installation ( s ) were met with XXXX XXXX ( photos, receipts, permits, inspections etc ) prior to releasing payment. 
-Documents authorizing Goodleap to release payments, on consumer 's behalf, to XXXX XXXX XXXX 
-Documents authorizing Goodleap to accept payments, on consumer 's behalf to and from XXXX XXXX XXXX 
-Documents from either the State or Federal Government crediting Goodleap for any solar incentives. 
and any documentation giving Goodleap permission to pay XXXX XXXX in advance without my consent. 
Ive been calling and emailing them but they are not trying to help in any way. They payed XXXX XXXX right at the beginning without even asking if everything was done. This is a scam and they know it. Goodleap has done this same scam with other solar companies that went out of business too. 
I originally asked Goodleap for the {$5000.00} XXXX XXXX had added to the loan for the tree cutting ( that they didnt specified in the contract because XXXX XXXX said that they had a contract with a tree company so they would take care of that, but they didn't ) and they refused. Now I dont want anything to do with Goodleap . They are a scam.
Product: Debt collection

On XX/XX/2023 I submitted a complaint through the cfpb website portal. Asking Spring Oaks Capital LLC to send me the original contract aggreement documents showing that I owe any debts to their company. And their company did not comply because I haven't received the documentation that I requested from them at all. But their collection agency is still reporting this unverified false information to XXXX credit reporting agency. Now they are violating my consumer rights under the Fair Credit Reproting Act and according to the Fair Debt Collection Practices Act. And I demand this account be deleted from my XXXX credit report immediately for their non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXX XXXX in the amount {$260.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar ( dba.MR COOPER ) added an escrow account to my mortgage payment and reported it 30 days late in XX/XX/XXXX. They acknowledged this was done in error and failed to correct my credit to positive status for over 7 months. They also reported my account 30 days past due for XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX, even while accepting my payments and providing written documentation that the negative reporting was their error. They also provided written documentation that the account was never late and should have been updated with the credit agencies. As of XX/XX/XXXX, my credit score is still under 650 because of the late payments reported over the last 7 months and I have documentation of 11 attempts to correct this via email, mail and phone calls. I have also hired a lawyer to work on my behalf. I have suffered severe financial loss due to these errors and the length of time that my credit score has been damaged. There is no explanation for the 7 months of delays is correcting the errors in my credit reporting and I would like the CFPB to investigate this case and hold Nationstar responsible for it's gross negligence. I hope this case will be used as an example of how mortgage services can destroy innocent victims credit and cause innumerable levels of stress and financial damage. There needs to be better credit correction oversight of mortgage services in the future to prevent this from happening again.
Product: Debt collection

In XX/XX/XXXX, I purchased a car ( XXXX XXXX XXXX ) with a trade-in of my XXXX XXXX. In XX/XX/XXXX, bills seemed to pill up, as I was not getting a raise for 3 years now, so I had to do what was best for me and my family. I explained to Ally my difficulties. In XX/XX/XXXX I explained to Ally that I could make a payment on XX/XX/XXXX, they agreed to it, but after I made my payment, Ally repossessed my vehicle on XX/XX/XXXX. After a few months, Ally contacted me with the balance due, which I thought was high. A month or two later, XXXX contacted me regarding the Ally account, we made a settlement for {$8000.00}. I made a payment, then maybe 2-3 months later, XXXX XXXX XXXX called, stating they had the Ally account. I first took them to be scammers, based off what they were saying and their manner of speaking, but I found out they were working for Ally. We made a settlement for {$6600.00}, I made bi-weekly payments in the amount of {$150.00}. I received a notice for court, but I did n't understand why, because I was already making payments. The notice stated that my case with Ally had been dismissed and closed. This is when the payments stopped. I noticed Ally on my credit report in XX/XX/XXXX. I have been contacting them since to have it removed. It shows Ally balance due $ 12000+. Attached you will see all I have gone through in trying to pay off this debt and have it removed from my credit report, immediately. Ally 's collection attorney 's have lied to me, forged my signature, and Ally is a huge part of this. XXXX XXXX XXXX requested my paystubs and bank statements ( 2 of each ), my monthly budget, and a statement stating why I would like to settle ( {$2000.00} ). I did this twice this month, already. The first time for {$500.00} and the second time {$2000.00}, neither time has Ally contacted me with an answer. I searched the Better Business Bureau and found similar issues with Ally Financial as well as XXXX XXXX XXXX. I also searched your consumer search and found that Ally was sued for discrimination against XXXX XXXX, XXXX, and XXXX XXXX for overcharging on auto loans, as I believe I was in the beginning to have traded an SUV to get a XXXX XXXX. I was never sent a settlement package in that particular case on discrimination. I would like to have this debt deleted on my credit report. This has been a huge burden on me. I have been chasing Ally, XXXX XXXX XXXX as well as XXXX XXXX XXXX in order to make payment and resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing in order to complain about the incorrect information that is reporting in my credit report. I am talking about this item : XXXXXXXX XXXX XXXX XXXX I have never had this account, I don't recognize it. I did not check my credit report because I had everything excellent but recently when I took a look I realized that this is complete error. I ask you to make investigation and remove this item from my report. 

Thank you in advance!
Product: Credit reporting, credit repair services, or other personal consumer reports

ACH transactions from an account at XXXX XXXX ( {$900.00} on XX/XX/XXXX, {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to XXXX   account number ending in XXXX listed on the EWS report. 

XXXX 's records do not indicate that I have ever had a relationship with XXXX per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by Early Warning summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].