23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My father is an elderly XXXX XXXX XXXX man who moved out of his apartment due to his partner 's XXXX XXXX When he moved out he delivered his last rent check by hand to the front desk. He thought he was done with the apartment. 

Months later, we discovered on our credit report that we have an outstanding balance with our old apartment building. Well, we never got any notices about this. How would we know to pay this? 

It was apparently sent to collections, who also did not notify us. They claim they did not know our current address and sent the notices to the same address for the apartment we had just moved out of! Obviously that is not going to work and we would not have received that notice. Our credit report clearly shows our current address and they also could have called us, but nobody called or contacted us. 

Thus we never received fair notice that we could pay or dispute the debt. The debt is apparently for all sorts of move-out charges we were not made aware of ( and would have been happy to pay ). 

This should never have been sent to collections. We called the collections agency to explain this but they refused to assist and keep insisting that they provided sufficient required notice. They also lied to us and told us it would be illegal to remove the information from the credit report in error and that our only option was to pay it.
Product: Debt collection

Received email below stating I owe this company. I have no knowledge of this company. I have not signed anything with this company and have made arrangements with National Debt Consolidation to pay the original debtor. This company does not have my full name on email or address or anything to validate. 


Reach out about your payment plan options! 
Spring Oaks Capital LLC XXXX, we have a variety of payment options available for you Now that your account originated by XXXXXXXX XXXX is owned by Spring Oaks Capital SPV , LLC, we have a number of payment options available for you. Below is one of those proposed plans. 
BALANCE AS OF TODAY {$5800.00} 22 MONTHLY PAYMENTS OF {$260.00} /month! 
Pay Full Balance Button OR See Payment Plan Our team is prepared to help you find the solution that best fits your needs. If you prefer to pay over time and spread your balance over a number of months, we can help make that happen. If youd rather pay in one lump sum, but cant do it today, we can help with that too! Our plans dont expire and are available when you are ready. 

We're available by phone or chat during normal business hours, or you can find the right flexible payment option for yourself on our online portal at any time. 
ACCOUNT INFORMATION Reference No. : XXXX
Product: Mortgage

During the pandemic, Wells Fargo marketed to me that I could take a forbearance, which I did. They also made it seem that the 3 months of payments missed would be added to the end of my 30 year mortgage. This did not happen. They held my account in a " Forebearance '' status for last 20 months. I paid the 3 months missed during forbearance today, XX/XX/2022. 
It is impossible to speak with anyone other than an entry level phone operator who knows nothing. I played the game of on-and-on for the last 20 months simply trying to get the bottom of this. 
I never missed any of my payments, immediately resuming my normal payment schedule of paying every 2 weeks.

I also wanted my mother, XXXX XXXX, taken off the loan as a co-signer. That was part of the last 20 months of being run around. 
Wells Fargo is horrible with keeping in contact and being truthful and forthright.
Product: Checking or savings account

My phone was stolen on XX/XX/2021. The person that stole my phone transferred {$4800.00} from my Cash app account into another account under the name XXXX. I reported my phone stolen through XXXX XXXX, which is my phone carrier. I also filed a police report giving them all the information needed, including the person who stole my phone and money. I contacted Cash app and told them what happened and that I did not authorize those transactions. They responded by telling me that the money was transferred from a known device and they have no evidence that it was done fraudulently. I have tried to contact them numerous times and no one will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My BMW financial account was paid off after several deferred payments during covid. After following all the terms, BMW financial placed ... a 30 and 60 day late payment on my credit report that included ONLY late fees. I was in contact with them monthly making payments and was NEVER informed. I was in a covid relief program. During such a stressful time I was rewarded for making set payments with 30 and 60 day late on my credit file. Again, the balance was only late fees which included fees during covid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in XXXX {$62.00} for a credit repair services, then they gave me half off because I gave them a referral. Since XXXX, they did not do anything, they went ahead Send letters to only collectors on the XXXX XXXX credit report. That was early in XXXX XX/XX/XXXX or XX/XX/XXXX, I told him to withdraw the money by XXXX XXXX and that would be my due date there after. They sent letters to only the creditors on one credit reporting agency, XXXX XXXX, making it so this process would be about four months, instead of them Doing what they said they would do as soon as I paid my services, they would file an investigation with all three major reporting bureaus XXXX, XXXX, and XXXX. They only pulled one report, which is XXXX XXXX and they went off of that. They never bothered to file a consumer dispute on my behalf with XXXX, XXXX. They acted in bad faith making it so I would have to use their services for four months or so. Thats XXXX  I request all the money that was paid returned back to the same account that they charged. That would be XXXX plus XXXX. They should be ashamed of themselves charging {$130.00} a month to do nothing
Product: Credit reporting or other personal consumer reports

I was recently notified about a hard inquiry on my consumer report and after looking into the matter I noticed several hard inquiries from different companies. The hard inquiries listed are unauthorized. Please remove them. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident Verify XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had moved out to oversea since XX/XX/2015 and I stayed in CA for a short period of time but while I was in CA, someone ( guessing my room mate ) stole my information and opened bunch of credit cards and XXXX  my credits.Even though I am not coming back, I would like to still dispute those accounts which are not mine. 

Capital one /Saks Acct # XXXX Capital one USA Acct # XXXX Capital one Acct # XXXX
Product: Debt collection

I received a letter in the mail from Rolfe and Lobello PA insinuating that I had a debt from XXXX XXXX. In the letter the law firm insinuated prosecution. I later received a phone call from an agent from the same firm stating the same tactics. I advised her that Im not familiar with XXXX XXXX. The rep changed the original creditors name to XXXX XXXX. Again I stated I am unsure about the debt. The agent stated she would send this to her attorneys. I was intimidated and the letter was a threat. I am not familiar with this account or even the creditor at this point seeing as the firm has changed the name twice for the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Report # XXXX XX/XX/2018 Personal Information : Experian has all these names in which I never used for any type towards credit or Employment. Experian has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as showing 2 times Experian needs to provide me  documented proof from state ID Passport Drivers Lic showing that these names been used by me. I also want proof documented by Experian to these names link to credit or credit cards car loan or home Mortgage anything fin in those names documented. It makes no sense that Experian creates names or address or information that is not right or does not or can be confirmed.
Product: Mortgage

I have a mortgage through the VA and Amerihome mortgage is my lender. My broker informed me that my insurance that is to be paid by my lender via an escrow account was not paid. Amerihome will not cooperate in making the payment, claims they already have made the payment and they hang up on me every time I call. I have exhausted my efforts and have already had to pay progressive directly myself in order to prevent a lapse in coverage.
Product: Student loan

The Federal Courts gave Navient till XX/XX/2024 to forgive direct Federal FFEL loans for listed schools under Sweet vs. Cardona. The loans were found by the Federal court to have been predator and fraudulent. Navient has not removed the loans from my credit reporting and I am being damaged every day with corresponding credit reports that still show the loans on my reports. Navient is violating the federal court order by not administering the loan forgiveness as ordered by the Federal court.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXX Opened : XX/XX/year> Balance Owed : {$0.00} Late/Open XXXX XXXX XXXXXXXX Opened : XX/XX/year> Balance Owed : {$0.00} Late/Open XXXX XXXX XXXXXXXXDate Opened : XX/XX/year> Balance Owed : {$9.00} Late/Open
Product: Credit reporting, credit repair services, or other personal consumer reports

I need help understanding how experian and XXXX  and XXXX  just allow anyone to place a collection account under the credit score model in my name after this same creditor has been removed from my account several times, i need the law that allows these companies to do so
Product: Debt collection

On or around XXXX XXXX XXXX and XX/XX/ I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to National Credit Adjusters , LLC. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. National Credit Adjusters , LLC has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I have emailed XXXX XXXX back in XX/XX/XXXX a written request Via email to fix a False reporting. 
My loan XXXX was paid off in XX/XX/XXXX This company reported me late on my mortgage payment of XX/XX/XXXX In XXXX of XXXX I have made a written request via email as instructed by the customer service I called at XXXX. I have received acknowledgment via email that they are working on it. 
XX/XX/XXXX, they acknowledged the mistake. 
It is XX/XX/XXXX and this has still not been fixed, this false reporting has had a determinatal effect on getting loans! please help
Product: Debt collection

NAVIENT STUDENT LOAN DEBT. AS A STUDENT AT XXXX XXXX IN  XXXX FLORIDA. I DID NOT KNOW THAT A PRIVATE LOAN SHOULD NEVER BE AN OPTION, IF YOU COULD QUALIFY FOR A SUBSIDIZED OR NON-SUBSIZEDI LOAN. THEY REALY WERE UNINFORMATIVE OF THE RAMIFICATIONS THIS TYPE OF LOAN COULD PRESENT TO ME. THAT FORBEARANCE WAS REALLY NOT A HUGE OPTION WITH THESE TYPE OF LOANS. 

EVEN AS RECENT AT FRIDAY XX/XX/2019 EVEN THOUGH I HAVE TOLD THEM I DO NOT HAVE THE FUNDS TO PAY THAT HAVE INSISTED IN AN UNAFFORDABLE PAYMENT TO COME FROM ME.
Product: Credit reporting or other personal consumer reports

What happened? 

I am filing this complaint because a XXXX XXXX account, dated XX/XX/year>, is being inaccurately reported as a charge-off or collection on my credit reports by all three major credit bureaus ( XXXX, Experian, and XXXX ) . This account was never late, I never missed a payment, and it was paid off 100 % the entire time. The incorrect reporting suggests that the account was in collections and then paid off, which is inaccurate and has negatively impacted my credit score and overall credit report. 

Relevant USC Codes : 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports - Specifies the circumstances under which a consumer reporting agency may furnish a consumer report, including the requirement that such reports must be furnished for permissible purposes and with the consumer 's explicit consent. 

2. 15 U.S. Code 1681m - Requirements on users of consumer reports- Mandates that users of consumer reports, such as XXXX, must provide notice to the consumer when an adverse action is taken based on information in the report. This includes providing specific reasons for the adverse action and the right to obtain a free copy of the report used. 

3. 15 U.S. Code 1681e - Compliance procedures- Requires that consumer reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - Outlines the procedures for disputing inaccurate information on a credit report. This includes the requirement for consumer reporting agencies to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information. 

5. 15 U.S. Code 1611- Civil liability for willful noncompliance - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages sustained by the consumer or statutory damages.
Product: Debt collection

XX/XX/2023 {$1000.00} I have contacted Medical data systems inc in asked could they verify this info below within 15 days. About this collection on my consumer report. 
1 ) An explanation of what this alleged account is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that give you right to collect in my state.

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 i Contacted Transunion,XX/XX/XXXX And XX/XX/XXXX about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a a violation.
Product: Debt collection

This complaint is filed to report XXXX XXXX XXXX XXXX for violations of federal consumer protection laws. XXXX is attempting to collect a purported debt for a product ( tickets purchased through XXXX ) that was never delivered. Despite multiple disputes and clear evidence of non-delivery, XXXX has refused to eliminate this fraudulent debt. 

Background On XX/XX/year>, I purchased tickets through XXXX using XXXX. The tickets were never delivered, and XXXX failed to refund my purchase despite verbal assurances. I disputed the charges with both XXXX and XXXX, but neither party issued the owed refund. My financial institution resolved the dispute in my favor, yet XXXX continues collection efforts for the unpaid balance. 

Violations XXXX conduct violates the following : Fair Debt Collection Practices Act ( FDCPA ) ( XXXX XXXX XXXX et seq. ) : Attempts to collect this invalid debt constitute harassment and misrepresentation. 

Unfair, Deceptive, or Abusive Acts or Practices ( XXXX ) : XXXX refusal to eliminate the fraudulent debt and continued collection efforts qualify as unfair and deceptive practices.
Product: Checking or savings account

Due to Risk and online fraud.I was told to go into a banking center.I went into a banking center.I spoke with a Financial Center Manager and Asst Vice President XXXX XXXX XXXX..I went into the Bank of America located XXXX XXXX XXXX, MD XXXX XXXX.He was very unprofessional He throught it was a joke and his customer service was poor.I grew upset and called him a clown and told him I will see him in court.I was told by the risk dept to go into a banking center.So they could call risk dept verify who I am and open up the account.I would like my account reopen asap.It causing me emotional and mental distress ... .Why wasn't I able to open to open an account.I did everything they told me to do.I was still denied equal access to the bank opportunities.I want my account opened back up.Why was the account open ... .I want my account opened back up.Mr.XXXX XXXX XXXX need to be reprimanded for not be professional and not having the awesome customer service.I would like to know why didn't he do his job.Why didn't he make the necessary calls to Bank of America Risk Closure dept to let them.I was at the banking center and want to open up an account ... They told me All I had to do was go inside a banking center verify myself and the account would be reopened. 

If my accounts are not reopened.I will file a Federal Class Action Lawsuit for XXXX XXXX dollars in Federal Court US District Court .The lawsuit will be against Mr. XXXX XXXX XXXX Financial Center Manager and Asst Vice President and Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law. I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have outstanding loans through Navient that i didnt even sign up for. Navient offered me a lower payment rate but then i recieved a letter stating that they reveresed the decision but didnt say why
Product: Credit card or prepaid card

So Chase issued me a credit card, before receiving the card, account was closed alreadt by the bank. I dont understand why they would issue me a credit card if my im not eligible on having it. They should have known before issuing me a credit card if i'm qualified, not after opening it. My credit score got  affected because of my account closed. I tried talking to chase about reopening it but nothing happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have sent multiple attempts to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXXXXXX