23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am a XXXX person, since a car accident in XXXX. 

In XXXX, XXXX, I lived in an apartment at XXXX XXXX in XXXX. NE, for XXXX days. I was never allowed to see inside the apartment before moving in, and had to wait some time after paying my deposit to move in. When I did move in, I discovered that environmental toxins in that apartment made me very sick. I immediately contacted the agent who had rented the apartment to me. She assured me that moving out was fine, and that I would owe nothing more than the month for which I had already paid, because she had a waiting list of people whod be happy to get that apartment. Because I had never moved in fully, I left everything at least as clean as when I moved in. 

I have since been diagnosed with XXXX XXXX, a neurological condition that has, among other symptoms, high sensitivities to chemicals. This explains the physiological and inescapable reason why I couldnt live in this apartment, which was right next to the buildings laundry room, and therefore filled with the chemistry of others laundry detergents, dryer sheets, etc. Ive known for much longer than my diagnosis has confirmed that I was chemically sensitive. And had I been able to actually see this apartment prior to move-in, I would not have moved in. 

Months later, I discover that the management company for XXXX XXXX has decided to tack on an {$850.00} move-out fee, something which I was assured upon move-out that I did not owe. Sadly I didnt get it in writing, but I was told by the rental agent that she had contacted her supervisor, and they were waiving the fee for me because of my illness, and because they could fill the apartment immediately. 

The first notice I had that I owed anything was from a collection company. I learned that XXXX XXXX has sent notice of this fee to the mailbox associated with the apartment where I had spent only XXXX days, and had never received any mail! Of course, I had neverand still have neverseen the letter, nor any documentation of this fee. Ive made phone calls to the management company, and they assert that because they decided after the fact that I owe this, I have no recourse. I have, of course, disputed this fee with XXXX, but it continues to appear on my credit report, and to affect my credit score. 

I understand that this is a rather common predatory practice by apartment management companies, and I just want this item removed from my credit report. Thank you so much for whatever you can do to remedy this situation.
Product: Prepaid card

Bank of America won't issue a replacement card and refuses to release my unemployment money! It's been XXXX months and Bank of America refuses to remove the block on my XXXX benefits card. I have almost $ XXXX on that card and am unable to pay bills, groceries and any necessities! I have been asking family and friends for help because of this form of abuse and have contacted the attorneys in XXXX XXXX who filed a class action lawsuit against BofA during COVID-19. My dog is XXXX ill and I can't pay for an emergency vet visit thanks to Bank of America placing a hold on my card! This is unacceptable and I promise that all XXXX will break loose, if he does NOT recover because I can not get him the help he so desperately needs! I am asking again for the uptenth time for my funds to be released and an expedited card to be sent out to my mailing address. I am going through XXXX XXXXXXXX and XXXXy, major financial distress and XXXX due to being unable to make my utility payments in time and buy food for me and my dogs. Bank of America has completely destroyed my credit score since I have been using my credit card to pay bills and have exceeded the limit already. Please help!! Time sensitive!
Product: Credit reporting or other personal consumer reports

A student loan from Mohela is showing up on my credit report. I have never taken out a student loan. Ive tried multiple times to contact Mohela, but cant get through to an actual human being. Every time I attempt to dispute this loan through XXXX they send me an email saying that I dropped the dispute, even though I didnt drop it. Im extremely frustrated that it feels like my hands are tied in this matter. Mohela should make it easier to contact them on matters like this. My credit is going to end up being destroyed and I will end up being forced to pay back a loan that I didnt take out. Nobody should have to go through this.
Product: Debt collection

XXXX  your supposed to identify this in report as a medical debt which i dont see anywhere so you have to remove according to fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$23000.00} ; XXXX XXXX XXXX XXXX XXXX : {$6600.00} ; XXXX XXXX XXXX XXXX : {$5000.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

To whom it May Concern : I am writing to request that following items be immediately investigated. 
If inaccurate, these items must be removed off my credit report. According to the Fair Credit Reporting Act, i expect you to complete this verification in the regulation time of 30-45 days. 
**Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ** Employments information _XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Address : ( XXXX XXXX report ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX _XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX **Employment information : ( XXXX XXXX report ) _XXXX XXXX XXXX Hard inquiries : _XXXX XXXX XXXX XXXX  I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XX/XX/year> XXXX - XXXX XX/XX/year> XXXX XX/XX/year>
Product: Checking or savings account

I received an offer from Commerce Bank in XX/XX/2022 ( Promo code XXXX ) to open a checking account with minimum of {$2500.00}, use card 10 times, auto deposit set up and receive {$700.00} bonus on XX/XX/2022. 
I opened my account in XX/XX/2022 with {$5000.00}. I set up auto pay, used the card and met all of the fine print requirements. However, on XX/XX/2022, I did not receive my {$700.00} bonus as promised. I contacted the XXXX XXXX branch and was told that there was a glitch due to the holiday weekend ( XXXX of XXXX ) but that my bonus would be deposited in the next 5-7 days. Those 7 days came and went, still no bonus received. I again contacted XXXX XXXX branch supervisor and he said it would be deposited in 3-5 days to be patient. Those days came and went, still no deposit. Last week I went in person to the XXXX location and spoke to XXXX, she assured me that there was a form she needed to fill out and that I would receive my money with 7 days. She gave me the confirmation page that she submitted the form and her business card to make sure I had a direct contact since I had so many issues getting ahold of anyone previously. However, those 3 days later, I receive a voicemail from XXXX saying that she needed proof I was on Commerce mailing list and needed a picture or original flyer sent to me. I sent her a picture of the offer with the promo code via email and then she said she needed the original document with my name on it to prove it was sent to me and then refused to respond to any further emails. I again went down to the XXXX branch today and this time spoke to XXXX, she stated that unfortunately without the original flyer ( which was sent to me 6 months ago ) that the decision has been made and I will not be receiving the {$700.00} bonus. I feel that if the original flyer is required then it should be requested at time the account is open, not 6 months later, after the bank has held my money for the entire time. If only the people on the mailing list are eligible for this promotion, then perhaps the account should not have been allowed to be opened with that promo code to begin with. If i'm not on the mailing list, why did I receive the mailer? and why didnt the other 5 employees see that I wasnt on the mailing list and why did they tell me that I would be receiving the bonus is 3-5, or 5-7 days etc?
Product: Credit reporting, credit repair services, or other personal consumer reports

A false collection from XXXX XXXX XXXX XXXX appeared on my credit reports on XX/XX/XXXX affecting my score during my home buying process. I never received notice from the debt collector and the final judgment was made in court stating I owe {$890.00} to XXXX XXXX XXXX in XX/XX/XXXX without me being responsible for fees and lawyers. This was after I was in my new home. I was not able to contest because they sent it to my old address and I paid my rent to the lady XXXX XXXX who took my money and said I didnt pay my last month rent. I found this out and called and a woman picked up the phone and said she doesnt work there. The property was cleared out and cleaned and I was out XX/XX/XXXX into my new place. The reason I moved is because they would not fix the plumbing so I call home code enforcement to come out and they did bare minimum to pass inspection and the plumbing was bad so after inspection XXXX started to come up in the tub and that is not sanitary. They refused to fix it so I let the lady know that on XX/XX/XXXX that I will not renew my lease and I will be out by XXXX. XXXX came I received a call from XXXX XXXX she said that their machine was down and she is collecting her tenants payments in cash to meet her by XXXX because she is on the way to another tenants home. I paid and she gave me a receipt. My debt was sold to a collector XXXX XXXX and its reporting I owe {$5200.00} to the rental company. I disputed this and provided court documents to the credit bureaus and it came back accurate which it is not by the legal documents I have. The credit bureaus is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX acct # XXXX, DEPT of EDXXXX acct # XXXX, 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

In aquiring my credit report from XXXX, I see several inquires that are not mine, I did not inquire from these companies. I am seeking help to remove them from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with the company and i was never late! I have had exceptional payment history with this company 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 MONTHS REPORTING LATE 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 XXXX 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.

This company 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: Money transfers

Requested subpoenaed records from Bank of America on Intestate Account of decedent for XXXX County Georgia Probate hearing. BOA did not send records to the requestor, instead sent records to XXXX County Probate, they in turn redacted and presented records to requestor that were erroneous and not full record. BOA as an institution should have records on all wire transfer of funds an XXXX Account. Instead records have been suppressed, not presented under court subpoena and has allowed the Court Administrator 's interest and defrauding of the BOA XXXX Account of decedent
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XX/XX/2020. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.
Product: Credit reporting or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING AND INQUIRIES I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

( XXXX XXXX ), ( XXXX ), ( XX/XX/XXXX ) Contents of Complaint : 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX Account number ( XXXX ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding Experians mishandling of my prior disputes and their failure to comply with the requirements of the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ). The CFPB 's recent lawsuit highlights systemic issues with Experians handling of consumer disputes, which are directly relevant to my experience. 
I previously disputed the following information on my Experian credit report : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Issue : Error in Amount and Alleged Debt Status Despite submitting evidence to support my dispute, Experian failed to conduct a proper investigation. Specifically : 1. Sham Investigations : Experian failed to convey the full details and supporting documentation of my dispute to the data furnisher. Instead, they appear to have accepted the furnishers response without question, even though it contradicted the evidence I provided.

2. Failure to Provide Investigation Results : The response I received from Experian was vague, confusing, and did not provide specific details of their investigation or evidence supporting their decision. 
3. Potential Improper Reinsertion of Inaccurate Information : I am concerned that Experian may have improperly reinserted information I previously disputed and believed to be corrected.

Experians actions appear to violate the following : FCRA 1681i ( a ) : Failure to conduct reasonable investigations of disputed information.

FCRA 1681i ( 5 ) ( B ) : Improper reinsertion of previously deleted information without proper notice. 
CFPA Prohibitions : Engaging in unfair acts or practices by failing to ensure accurate investigations and providing misleading or ambiguous responses to consumers. 


1. Reinvestigate the Disputed Information : Conduct a proper and thorough investigation of the disputed account and provide detailed results of your findings.

2. Remove Inaccurate or Unverifiable Information : If Experian or the furnisher can not verify the disputed account with evidence, delete it from my credit report immediately.

3. Provide Investigation Details : Share all documentation you used to verify the disputed account, including records from the data furnisher.

4. Ensure Compliance with the Law : Prevent improper reinsertion of any previously disputed or deleted information.

If Experian can not provide adequate documentation or results of a legitimate investigation, I will escalate this matter further by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and considering legal action under the FCRA and CFPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ford Motor Credit  is deliberately evading my complaints. I have provided them with my information directly and through each of the major credit reporting agencies. I included copies of my credit reports when complaining to them directly. Each time they verified their reporting without demanding more information.  <P/> I then complained through this forum, and they responded with the outright misrepresentation that they could not address my complaint because they were unable to identify me. This time they insisted I provide my social security and my account number and did not address the merits of my dispute.   You responded by closing my complaint, thus allowing them to evade any review at all by you. This is an outrage! How impotent can the Bureau be???  <P/> The CFPB is useless if the company may blatantly lie and say they ca n't identify the consumer and that 's all that needs to happen for you to close and them to dispose of the dispute. Even if you ignore all the information I 've provided the company directly, through you I provided my name, address, email and date of birth, which is more than adequate for a 3rd grader to figure out who I am.  <P/> Lastly, I do n't know the " account number ''. My original complaint is that I do not know what this is about! If they can not tell me and match me up with a valid account number, their legal obligation is simply to remove the tradeline reporting it. Shame on them for giving me the run around and shame on you for not fulfilling your purpose and even trying to stop it
Product: Credit card or prepaid card

On the morning of XXXX XXXX, I called Bank of America 's EDD accounts department ( XXXX ) XXXX to activate the card that I received at my mailing address on XX/XX/XXXX, and I was informed by the bank representative that there was an account opened on XX/XX/XXXX, with my Social Security Number. She was unable to disclose any further information to me, but she informed me to report the Identity Theft to EDD directly and follow their guidance from that point. I visited the EDD office in downtown XXXX XXXX, CA the morning of XX/XX/XXXX and with assistance of the local staff and the EDD phone staff we were able to succeed changing the method of payment from the Bank of America XXXX card to checks issued and mailed to my current mailing address. There was no record of an Unemployment Insurance account with my Social Security Number during the time of XX/XX/XXXX, so the phone staff member directed me file a fraud report with XXXX. At XXXX XXXX  on XX/XX/XXXX, I filed a XXXX XXXX XXXX online. Also, I have reported the matter to the XXXX, per instructions on XXXX  and the FTC website. I have contacted the XXXX XXXX XXXX XXXX XXXX regarding the matter and will promptly conduct an online report, per direction of Deputy on duty that I spoke with today, XXXX XXXX   XX/XX/XXXX. I have informed my case manager with XXXX, of the information and will discuss further at my first opportunity to communicate with him. I have also informed the XXXX, as a Specialist has been assigned to assist me in Identity Theft Restoration as a result of XXXX Data Breach and direction of attorney overseeing the project for vicitms of the data breach..
Product: Debt collection

I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.