23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX of XXXX my hot water heater had broke and I requested a work order to repair or replace the hot water heater. After XXXX weeks of submitting multiple work orders and calling the leasing office, they finally had a third party contractor come to replace the hot water heater. While replacing the hot water heater, they caused a flood in the apartment which had flooded the second bedroom and had spread into the living room. We had to provide our own box fan to help dry out the flooding and no immediate action was taken to remedy the flooding by XXXX XXXX XXXX staff. XXXX weeks later they decided to rip out the carpet in the XXXX bedroom and the vinyl flooring from the living room to see if it would dry out. Floor was not drying out due to it being the middle of XXXX at this point so they decided to spray a bleach solution on the exposed flooring to stop any spread of mold. Apartment smelled like bleach for a solid XXXX weeks after the fact. Since I had renters insurance through XXXX XXXX XXXX I reached out to them in order to make a claim. XXXX XXXX XXXX sent me a form to fill out for the insurance and I sent it back to them and received no follow up on the claim. Now being XXXX of XXXX, we still had exposed flooring and mold present on the bare flooring. After attempting to communicate with the XXXX XXXX XXXX and management staff multiple times, there was not a resolution in sight to get our flooring cleaned and fixed. Due to being an unhealthy and safe environment my roommate and I submitted a 30 day notice to vacate the apartment complex. Once we submitted the notice, we started to get harassed by the leasing office saying we cant break our lease early and that we now owe them {$4200.00} and whatever interest and late fees we would incur since we were leaving early but still REFUSED to fix the apartment. I presented them with the Idaho renters code and the section of the lease saying we can vacate due to an unsafe and unhealthy environment were the leasing manager told me in person they would take care of the costs and we would not have to worry about it and we would received our security deposit of {$450.00} back. So I figured there would be no legal or financial issues since in my head it was deemed " resolved '' but when I went to apply for a mortgage on XX/XX/XXXX to purchase a home in my home town of XXXX, 2 days after having a mortgage inquiry on my credit report, XXXX XXXX sent the {$4200.00} balance to collections with the company Columbia Debt Recovery LLC DBA Genesis and has no incurred interest making the new balance of {$4300.00}. I have not had contact with XXXX XXXX since we had submitted our 30 day notice to vacate early and we never given any information on receiving our deposit back and now have a huge collection on my credit report by a predatory collection agency. While writing this complaint I have now conveniently received an email from the collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Open {$3300.00} Account Details Last Reported XXXX XXXX XXXX Collection Agency MIDLAND FUNDING LLC Original Creditor XXXX  XXXX XXXX Status Open Opened Date XXXX XXXX XXXX Closed Date -- Responsibility Individual Balance {$3300.00} High Balance {$3300.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (  XXXX ) XXXX Since you currently have an open dispute request, you ca n't dispute any other errors through XXXX XXXX at this time. If you found new errors to dispute with XXXX, please wait for your prior dispute request to be processed or contact XXXX directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX
Product: Credit card or prepaid card

XXXX, 2023 Marshalls XXXX XXXX company card, I did report, and I never used that card amount XXXX dollars, they start sending me bill. 
If some one used my card how come they put my information to cashier? 
Marshall customer service representative took my call and he said I am transferring my account to different account and you dont have to pay nothing, but I asked him to close my account he said ok, he did, but now they start sending me bill with late fees. Please help me.
Product: Debt collection

My social security XXXX check is being garnished due to XXXX declaring me ineligible for assisistance after declaring eligible in hurricane XXXX in XXXX. Performant recovery now owns the debt and when asked for statue of limitations it decline not to give any info but instead if there is a statue tell them and they would forward it to the collecting source that was in XX/XX/XXXX. I asked to validate the debt but they also declined and said they were collecting on a debt assigned to them through the fiscal bureau services due to a debt owed to homeland security in the amount of XXXX. 
On XXXX of XXXX a different agency owned the debt but when sent in my financial list to dispute the debt and to waive amounts due to hardship. My debt was placed with XXXX in XX/XX/XXXX then garnished and has been and has not stopped or given any indication when it will or why it has started I am on social security XXXX I can not afford to keep being garnished for the entirety of my life. For a debt XXXX claim I was eligible for.. I sent in documents then they changed their mind and still 15 years later saying I owe. I never received any letters except from the cpa when I sent in my financial statement and when responded my debt was then placed with XXXX XX/XX/XXXX XXXX months later.On XX/XX/XXXX of XXXX my stimulus check was offset by the Department of Treasury filed through the irs through the recovery rebate program. I am already being garnished why was my stimulus taken as well? This has been an ongoing XXXX for me. Who can I speak with to reverse this garnishment and refund all my monies paid through garnishment, tax offsets and now stimulus/recovery rebate credit. What are my options who can help?
Product: Credit card or prepaid card

US Bank National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX USBank XXXX XXXXt Visa XXXX Statement included a {$95.00} -- annual fee in my XXXX statement I called the Credit Card Support and requested a reversal of the {$95.00} fee. A US Bank Supervisor called me on XX/XX/28, who directed me to apply for a different USBank Visa credit card that did not include an annual fee and the {$95.00} annual fee would be reversed and applied as a credit to my new card. 

I cancelled my XXXX XXXX Visa card and applied for a Cash + US Bank Visa card. US Bank is now refusing to credit my new Credit Card the {$95.00} -- annual fee. I would never have canceled the better card with the fee if I had not been told that the {$95.00} would be credited to my new Cash + Visa USBank card. Lessen learned is that a consumer can not count on the validity of support provided by USBank Visa Credit Card Supervisors. I will be cancelling my new Cash+ US Bank Visa card in the next couple of days.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently started building credit. I HAVE NEVER been LATE on any of my accounts. I submitted a dispute because I seen a fraudulent account on my report that I have never opened on there, and it has a late payment. XXXX XXXX bank XXXX has a 30 day late payment on my report that I NEVER applied for. Every time I submit a dispute transunion sends me a response stating that they received my request but they didn't think it was properly authorized so they didn't take no action. THIS MY FOURTH TIME TRYING TO DISPUTE AND THEY NEVER DO ANYTHING, IM SO TIRED OF THIS!!! WHY EVERYTIME I TRY TO MAIL A DISPUTE TRANSUNION SENDS ME AUTOMATED LETTER WITH THE SAME INFO ON THERE.At this point I feel like my rights as a consumer are being violated.
Product: Debt collection

thanks to genetics, XXXX XXXX XXXX XXXX XXXX XXXX. a friend hated seeing me in pain signed me up for XXXX XXXX and he co signed. i wasn't aware until i was called to XXXXXXXX XXXX where i signed papers to be a client and for appointment. I had XXXX XXXX XXXXd and got a temporary set of XXXX ( new XXXX  didnt know what he was doing made the temp set 2 sizes to big. got fitted for permanent set and was so excited to get them. i got all dressed up and wore make up filled with excitement to actually smile with XXXX that wasnt rotten! i get to XXXXXXXX XXXXl and was told that the XXXX XXXX was pulled and canceled due to the friend not telling his wife about co signing, and when she found out she canceled. im going on 3 years with XXXX XXXX in my mouth and cant get my teeth due to XXXX XXXX pulling funds with only {$1700.00} left to pay. so in order to get my XXXX i would have to come up with XXXX myself and im poor living paycheck to paycheck and cant afford it. now XXXX XXXX has sent the other balenced that was paid ( even though i gave friend money to pay on balance and it wasnt ) and is charging me over XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear : Transunion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX   XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation
Product: Debt collection

Credence Resource Management furnished information to XXXX and XXXX without validation. There were 2 items on XXXX for a total of {$1500.00} and one on XXXX for {$390.00}. I sent a request for validation on XX/XX/2021, but I never got a response. 30 days have passed and by law, they have defaulted. These accounts are violations of FDCPAs 15 USC 1692g. They should be removed immediately.
Product: Credit card

On XX/XX/year>, My car was broken into boxes and personal items were stolen. I went to pay my credit card and notice there was fraudulent charges posted and or pending. I immediately called the card provider and disputed the charges. They gave me a credit while they investigate. They informed me the investigation showed I was in the area when I was not. The charges were made in Florida. I was in XXXX XXXX DC at the time of purchases. I showed them I had to order other cards that were stolen as well as a new ID. I sent them emails I also sent them pictures of my busted car window. The issue was not resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information and documentation requested from Select Portfolio Servicing ( SPS ) has been refused : 1 ) Provide XXXX  accounting for this loan beginning from loan origination. Do not send payment and transaction history. Provide documentation on when the loan originated in XXXX How did it originate? Who provided the initial funds and how? 
2 ) Is SPS a debt collector? if yes, identify yourself as such. 
3 ) Does SPS have a contract with said mortgage holders, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
4 ) If such a written contract exists then provide the contract with original wet signature. 
5 ) On XX/XX/XXXX, there was an assignment of mortgage to XXXX XXXX XXXX XXXX XXXX : said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX were never notified. Said mortgage holders, XXXX XXXX XXXX and XXXX XXXX XXXX does not have a written contract with SPS and has never assigned power of attorney to SPS to act on their behalf. Said mortgage holders has never assigned power of attorney to XXXX XXXX XXXX XXXX XXXX or any of their subsidiaries, derivatives, trusts or any other entities or associated persons. 
-Why was the assignment made? 
-Who authorized the assignment? 
6 ) This mortgage contract with SPS has been in dispute for over a year, why is SPS still reporting derogatory information to the credit agencies? This is causing damages. 
7 ) Who authorized SPS to send any information to the credit agencies? As a consumer, said mortgage holders never authorized it.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX Inquiries XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

During Covid we were offered Forbearance by our PHH Mortgage over the phone we accepted at the end of our forbearance plan we called and tried to make payments we were told they would no longer accept payments from us until we resolved the forbearance plan we told them that we were able to resume payments they said they will only apply them to the monies owed for forebearance plan we said we were waiting to hear if they were going to allow us to put the forebearance amount on the end of the loan or adjust our mortgage amount to pay it back as we were told when we took the plan. We told them we were very concerned if we let them apply them to the forbearance monies then we would go into default on out current payments they said we can put you on forebearance again???? We said no we want to have our case looked at so we can find out if they are going to allow end of loan or adjust monthly payments on monies owed for forebearance as that is what we were told ... then they had us apply for a decision on that which they never told us we would have to be approved for when they offered this plan. we have had many conversations on scheduled phone calls with our Relationship Manager who we were assigned we have submitted ALL requested documents and we have confirmed that our file was complete and going to the underwriters and they had 30 days to get back to us and we scheduled another call from 30 days from that date when he called us back he said I don't know why they are not giving you an answer please give us 7 more days and I will get supervisor involved scheduled another call and my husband came home from work early and our relationship manager never called or his supervisor as he promised a employee unknown to us called and stated our Relationship manager was busy on another call, we asked to speak to our relationship manager supervisor and the employee said he did not know who he is. We are terrified we are going to lose our home we have complied with everything and still don't have a answer as to what is happening with our home. We have documented all phone calls and names, dates, and times of people we have spoken to through this whole situation. PLEASE HELP US
Product: Debt collection

In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX XXXX XXXXt, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a XXXX XXXX account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name Resurgent, I get in contact with ReSurgent and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.
Product: Credit card

Synchrony Bank which does financing for Amazon XXXX. 
Charged approx {$990.00} dollars XX/XX/year> with 6 month deferred interest. Overpayments made after were applied to the deferred interest as opposed to the non promotional balance. XX/XX/year> shows owing aprox XXXX on promotional and now have to pay {$650.00} on non promotional or pay interest. I asked why the overpayments were not applied to non promotional. There is no way to break out where you pay when making payment. I requested that the overpayments be corrected and applied to the non promotional and was declined with the following response. 
Thank you for your recent inquiry regarding your Amazon Store Card account, and the opportunity to be of service to you. 
Federal Regulations require that we apply amount in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest until the payment is exhausted. There is an exception to this rule for deferred interest promotion. In the last XXXX billing cycles before expiration for any deferred interest promotion, any amount paid in excess of the required minimum payment amount must be allocated to the expiring deferred interest promotion. 
Unfortunately, we are unable to accommodate your request as, XXXX We are only able to reallocate payments to and from deferred interest promotions. We will only reallocate a payment if the request is made within 60 days after the transaction date of your payment as shown on your statement. Payments can not be reallocated from an expiring deferred interest promotion. Payments can not be reallocated as it is less than or equal to the minimum payment due. Payments you requested to be reallocated has not been received