23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/year>, I ended my lease with apartment complex XXXX XXXX in XXXX, Nebraska, and moved out. On XX/XX/XXXX, I contacted the apartment complex manager to request the final bill. The manager informed me that they would send the bill once all invoices had been processed. 

On XX/XX/year>, I unexpectedly received a letter from Resident Advocate, a collection agency based in Florida, demanding payment for a debt allegedly owed to the apartment complex. This occurred before I had received any final bill or statement from the apartment complex. 

On XX/XX/year>, I finally received the final bill from the apartment complex. 

I believe this situation violates the Fair Debt Collection Practices Act ( FDCPA ) and Nebraska state laws for the following reasons : 1. The debt was sent to collections before I was provided with a final bill, despite the apartment complex telling me they were still processing invoices.

2. I was not given proper notice or opportunity to dispute the debt before it was sent to collections.

3. The rapid escalation to a collection agency ( within approximately two weeks of move-out ) seems to violate fair debt collection practices.

4. The apartment complex misrepresented the status of the debt by sending it to collections before finalizing the amount owed.

5. I am unsure if the Florida-based collection agency is licensed to operate in Nebraska.

These actions have caused me undue stress and potential harm to my credit rating. I would like the following resolutions : 1. The apartment complex to immediately recall the debt from the collection agency.

2. Both the apartment complex and the collection agency to provide written confirmation that this debt has been removed from collections.

3. Assurance that no negative information related to this incident has been reported to credit bureaus, and if it has, for it to be immediately removed.

4. Both entities to provide written assurance of compliance with all relevant debt collection laws in the future.

5. Compensation for any violations of the FDCPA or state laws, if applicable. 

Contact information for companies involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Resident Advocate XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, FL XXXX Website : XXXXXXXX XXXXXXXX I have attempted to resolve this issue directly with the apartment complex and the collection agency but have not received a satisfactory response. I have documentation of all communications and am willing to provide copies of the collection letter and final bill if requested.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against TRANSUNION for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX. XXXX  XXXX XXXX - ACCOUNT NUMBERXXXX DateOpened:XXXX Date Report : XX/XX/2024. 

15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter.

Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXXXXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXX Original Creditor 06 XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00} XXXXXXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed : {$910.00} XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Chase bank had a special offer to sign up for their Freedom XXXX credit card and I can then obtain interest free balance transfer to pay off my XXXX card. 

I accepted this offer received the said card and applied for a balance transfer of {$14000.00}. 

Unfortunately for some unknow reason after one week the balance transfer was unsuccessful so funds were refunded in full back to my XXXX card. 

I called up Chase who repeated this transaction and again it was rejected so funds were returned. 

Finally the issue was escalated and a senior banker personally handled the transaction on XX/XX/XXXX 

Since this date XXXX never received the funds and I have never received a refund and I am now incurring fees from Chase for the unsuccessful balance transfer and now late fees of approx {$600.00} from XXXX. 

I should not my XXXX card is issued in XXXX XXXX but on all three occasions Chase claimed this was a non issue and all should be fine however now XXXX cant really use either card and am being charged for both with increasing fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account Dept of EdXXXX was opened on XX/XX/2011 and is already paid off and I recently asked for this to be removed but I did not receive any response.
Product: Credit reporting or other personal consumer reports

I wrote each credit reporting agency about unauthorized inquiries on my credit reports and was ignored, all 3 credit reporting agencies are in direct violation of the law! Here are a list of the inquiries that should be deleted Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. 
You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my TransUnion, XXXX and XXXX XXXX reports without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. 
A person shall not use or obtain a consumer report for any purpose unless ; The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 
The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized and fraudulent account that appears on my credit report. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete. Using an EOSCAR SYSYEM IS FAULTY AND SHOULD NOT BE CONSIDERED A THOROUGH INVESTIGATION AND I AM AWARE THIS IS WHATS HAPPENING! Credit bureaus are obviously failing to investigate when Im providing documentation of my true identity and false names are still being reported which is NOT my name. The addresses and names for each credit bureau should match. 
I have identified the following account on my credit report that I did not authorize or provide written consent for and have no knowledge of : Accounts : Sunrise Credit Services : XXXX
Product: Money transfer, virtual currency, or money service

I received notification on XX/XX/XXXX that my account was not eligible for reactivation due to concerns about my activity. However, I believe that this decision was made unfairly and without proper consideration of the circumstances. 

I am writing to express my disappointment and frustration at the decision to permanently deactivate my Venmo account. Despite patiently waiting for several years, I have been unable to access my account due to concerns about my activity that I believe to be false. 

I have read and carefully followed all the terms of service and have never engaged in any activity that would jeopardize the safety or security of the Venmo community. Therefore, I believe that my account was deactivated unjustly, and I can prove that I never broke any terms of service. 

I have been a loyal and responsible Venmo user for many years, and I have never engaged in any activity that would jeopardize the safety or security of the Venmo community. I have always followed the terms of service and have never violated any rules or regulations. Therefore, I am deeply confused and concerned about the reasons behind my account deactivation. 

I respectfully request that you review my account again and provide me with a clear explanation of the concerns that led to my account being permanently deactivated. I also request that you reconsider your decision and reactivate my account, as I believe that this action was taken unjustly and without sufficient evidence. 

I most recently spoke with XXXX XXXX on XX/XX/XXXX, but unfortunately, she was unwilling to assist me with reopening my account. 

I am deeply disappointed with the lack of support and assistance I have received from Venmo 's customer service team. I have waited patiently for five years after being wrongfully terminated, and I believe that reopening my account is a reasonable request. 

As I mentioned in my previous complaint, I have been a responsible and loyal Venmo user for many years. I have never violated any terms of service or engaged in any activity that would jeopardize the safety of the Venmo community. Therefore, I believe that my account was deactivated unjustly and without proper consideration of the circumstances. 

I respectfully request that you review my account once again and reconsider your decision to permanently deactivate it. I am willing to provide any additional information or documentation that may be necessary to resolve this matter.
Product: Checking or savings account

I have three issues : 1 ) I have asked multiple times for BOA to provide me with " a copy of any document that we relied upon during our investigation and/or processing of your request. '' wrt to a rejected payment from XXXX XXXX / XXXX Mortgage in early XXXX. Instead, BOA keeps sending me my correspondence with them requesting the same. This however doesn't indicate how they know the payment was rejected. 

2 ) As part of that request, correspondence was sent to a 3 year old address ( on XXXX XXXX XXXX. Bank of America says they have no record of that address in my account. They have been unable and unwilling to furnish me with documentation they relied on to get that address, instead they keep sending me copies of my correspondence requesting such. 

XXXX ) I need Bank of America to research why correspondence is still being sent to an address that they indicate they have no record of. I also need to know what needs to be done differently the next time I change my address to prevent this in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has violated my rights 15 U.S.C 1681 section 602 A. State 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.
Product: Mortgage

On XX/XX/XXXX, I paid a {$500.00} appraisal fee for the refinance. 
On XX/XX/XXXX, we closed the loan and paid an additional {$500.00} appraisal fee at closing. 
On XX/XX/XXXX, I alerted the lender ( Amerisave ) to the mistake and double charge. XXXX XXXX of Amerisave responded that day acknowledging the mistake and stating she initiated the refund process. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again and a supervisor ( XXXX XXXX ) said he would process it. 
On XX/XX/XXXX, I emailed again to follow up with no response from Amerisave. 
On XX/XX/XXXX, I emailed again to follow up and notified the lender that my next attempt at resolution would be to file a complaint with CFPB. That day, XXXX XXXX responded that the refund was submitted. He promised it would get processed. XXXX XXXX responded that it was submitted to accounting via check. I asked for a timeline of how much longer could be expected and received no response. 

To this date, XX/XX/XXXX, I have received no further response and no check for {$500.00} or accrued interest on the {$500.00}.
Product: Credit reporting

This was paid in full in 2009 and they are reporting that it 's active and open on Eqifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted Everything I am supposed to submit 3 times. XXXX  has taken care of everything but Equifax has not.
Product: Mortgage

Good Morning This involves Bank of the West. They reported to the credit agencies a 30 day late on my HELOC account XXXX took out a monthly payment with ACH from my XXXX account for over 2 years. I made every payment on time, and was never late. The missed payment occurred for the XX/XX/2022 payment. I found out about it when I got a notice of a change in my XXXX score. I called XXXX, they said they changed my account number, and notified me by mail. I told them I never got the letter. They basically said, too bad. I also said they were taking the monthly payment from XXXX for two years and why did it stop? They said they never took money out each month ( Please see attachment ) I called XXXX and they advised me that ACH means that XXXX  was definitely taking the money out each month. I called XXXX and they said they weren't, and that as previously stated they sent me a letter with the account number change ( one letter total ). They wrecked my perfect credit ( see attachment ), I was denied a credit card ( see attachment ), they have been terrible over the phone, and have caused me countless hours of phone calls and follow-up calls. 
Please Advise Thank you XXXX XXXX
Product: Student loan

I have been going back and forth with Wells Fargo regarding reporting on my student loan, they agreed to remove two late payments from my CBR 's as they were mailing statements to an incorrect address that was provided to them by someone other than me. I have since updated the address on file and phone number with them. As they allowed changes to my account to be made by someone other than the primary account holder which caused statements to be mailed to the incorrect address I believe all the late marks should be removed from my CBR 's as the co-borrower was making payments, and I had no way of knowing if payments had been made. I have since received online access to my account and have been making payments. Attached is proof showing they removed two lates from my CBR, there are XXXX other late marks on my CBR that should be removed by the logic used to remove the XXXX and XXXX lates from 2016. These lates were not removed in goodwill they were removed as Wells Fargo error.
Product: Student loan

I received the loan from XXXX/Navient on XX/XX/2012. I began making payments almost immediately and tried to maintain a consistent re-payment of $ XXXX. It has been 5 years now and my loan is still in the high $ XXXX {$6000.00}. I have called Navient several times to try and figure out why it does n't seem like I 'm making a dent in my loan at all with all the payments I 've been making. Sometimes even paying more than the required amount. 
I have contacted Navient on numerous occasions to inform them of my financial hardships, attempting to lower my interest rate as well as my monthly payment amounts. All I was directed towards was forbearance ( pushing the payment due date back a month or two ). This was not my main goal, as I am and have been trying to pay this loan off for quite some time now. They always ask me if I 'd like to sign up for ANOTHER loan even when I call to get my current one resolved. I do n't get the sense they are eager to help me repay the loan or even work with me in getting it taken care of. It seems like any payment I make almost increases my loan versus decreasing it. I am running out of options.
Product: Credit card or prepaid card

Penalized for paying off XX/XX/XXXX activity on XX/XX/XXXX! 

I have a XXXX card from XXXX XXXX which uses XXXX XXXX for credit card processing. When my monthly checking acct statement arrived on XX/XX/XXXX, I paid my XXXX bill in full. I was hit with a {$25.00} Late Fee and {$8.00} interest for paying TOO EARLY for XXXX. And, the card was frozen. This is 3rd time this has happened. Launch can not or will not get XXXX to desist and refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX  's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XX/XX/XXXX - UNAUTHORIZED INQUIRY XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have created a consolidation of credit reporting agencies through XXXX and noticed that my address is wrong. I have tried to contact the credit reporting agencies for resolution of a bad address. XXXX  and XXXX  were very responsive and I was able to verify that my address with them in one phone call. However, with Experian I have run into nothing but roadblocks. Because 2 of the 3 reporting agencies were correct I concluded that Experian had to be the one with wrong address for me. I live in Virginia and the address listed is from Georgia. I tried to create a complaint online and and when I pressed continue, I got an " OOPS, we're sorry! '' And an " Call us toll-free at XXXX '' I tried calling and all I got was Freeze press 1 and Fraud press 2. I did not want to freeze so I pressed fraud and it said to press 1 to freeze. Frustrating!!! All I want to do is to talk to someone to check my address!! 

XXXX XXXX
Product: Credit card or prepaid card

Started in XXXX/XX/XX/XXXX with a charge for a service plan I did not agree to. Called Best Buy credit services and they said they would rescind the charge. they never rectified the issue. In XX/XX/XXXX I received a statement with a balance of XXXX. I spoke with a representative on XXXX who stated it would be cancelled. Confirmation # XXXX. Acct was never cancelled. I received a letter XXXX stating my account would be credited in the amount of XXXX and again on XXXX. I have made numerous calls with no resolution. I have explained the charge was fraudulent and I did not consent to this charge. I receive a statement every month and the latest is dated XXXX with a balance ofXXXX.