23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I've noticed unfamiliar items on my credit report, indicating potential identity theft, as I did not authorize these accounts. I've addressed this concern previously, and I'm now requesting prompt removal of these accounts from my report. Their presence is causing considerable stress as they do not accurately reflect my financial history or management. Dealing with this situation has been challenging. If resolution isn't achieved, I am prepared to pursue legal action to safeguard my rights and seek a resolution. These erroneous entries pose a significant obstacle, impeding my ability to achieve important financial objectives such as homeownership and providing for my family. I trust that we can resolve this issue expeditiously.
Product: Debt collection

The CBE Group is continuing to harass me with another letter claiming I owe a debt to XXXX that was paid in XXXX. The amount was leftover balance from a previous account that was closed by XXXX when I made some account changes. I have been a longtime customer and XXXX simply issued me a new account number. Despite sending them a copy of the paid invoice and a letter fated XXXX XXXX, 2015 warning them not to pursue this matter, I have received another letter ( copy attached ) attempting to collect a phantom debt.I want this company censured and fined. I would like to be personally compensated for the maximum amount due to CBE 's negligence and possible damage to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE ARE ACCOUNTS THAT IS NOT MINE APPEARING ON MY REPORT.. I HAVE FILED SEVERAL COMPLAINTS ON YOUR BUREAU FOR DEADLINE VIOLATIONS WITH THE CFPB ( CONSUMER FINANCIAL PROTECTION BUREAU ). 

I HAVE RECEIVED AN INVESTIGATIVE RESULSTS REPORT FROM XXXX XXXX, WHERE THEY HAVE PROMPTLY DELETED XXXX  XXXX, # XXXX WHICH IS XXXX XXXX, # XXXX, REFER TO ATTACHED DOCUMENT. 

IN MY DISPUTE LETTER FILED THROUGH THE CFPB, ID COMPLAINT # XXXX-XXXX I CLEARLY DISPUTED THE BELOW ACCOUNTS, BUT TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORT OTHER THAN THE XX/XX/XXXX EQUIFAX DELAY TACTIC LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Product: Credit card

I was being fraudulently charged for a gym membership that I had cancelled over 1-year ago. Throughout this year of additional charges, I had called Chase 6 different times to explain that I needed them to block the fraudulent gym membership charges from going through on my credit card. Chase failed to block these charges. As a result, I reported this to the CFPB. When Chase found out I had reported them to the CFPB for failing to protect me as a consumer, they raised the interest rates on my credit cards as retaliation. I just got a notice this week saying my interest rates went up. Chase provided no legitimate reason for raising my interest rates ; the company did this solely to punish me for reporting their previous behavior.
Product: Debt collection

This information is incorrect, fraud, please delete this information. 
ra rogers inc coll consultants.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Ocwen is our second mortgage provided and we are able to payoff the loan. Our payoff quote included : Satisfaction Fee = {$28.00} Payoff Fee = XXXX It appears that this information is not included in the Payoff Requirements and Conditions. 

How greedy is this lender.
Product: Credit card

I Have a Best Buy Citi Card. Mistake i know, Problem is the fees and interest on a charge that was not mine have racked up 2x the total cost of this fraud. And i remanded my self to pay the minimum to keep my credit in tact. Now after a whole 18 months ive been locked out of my account and the XXXX XXXX dollars ive already paid to this card has not gone to the principle of something like XXXX XXXX dollars. Yet they refused to give me any evidence of the claim and rectify the card issue. Someone used the number out of state to order some items when i didnt have the card in use. 

Ok so now 18 months later best buy after i brought up this issue has locked me out of the account online. Which is the only way to access the account i dont get mail for and the dont contact me about. They disconnected my auto pay and left it to default with the only way for me to may a payment is over the phone. Funny enough they demanded today i pay a fee with that payment for them to give me back my online access. So i kindly declined, I was smart enough to record the conversation after they attempted to slightly steer me to a different customer service dept which apparently none of their phones are working. Or maybe i just made them uncomfortable that i know my rights. They can not change rules for one person and make it seem malicious or vindictive as im the one trying to pay the bill thats been non current for 3 days. Not from my own actions. So i called back numerous times told them i wanted to pay online as ive done since the issue 18 months ago and finally this last time was rudely hung up on and told to " Figure it out ''. I Just cant believe this is how CITI and Best Buy operate, I knew of there Scams on repairs in house and warranties but i dont even do business with them anymore im just paying the minimum on a card ive technically not even used in almost 2 years.
Product: Credit reporting or other personal consumer reports

A full payment for errors in file was requested but never received.
Product: Debt collection

XXXX XXXX XXXX an account that was removed from my Equifax credit file was reinserted on XX/XX/18 for the amount of {$130.00} without proper notification required by law. What confuses me is the original creditor is XXXX Hospital now XXXX XXXX XXXX is reporting this same said debt. Also, another company by the name of XXXX is reporting this same debt. I have never done business with this company nor have I ever had any contractual obligations with said company or business
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, XXXX and Experian 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from XXXX nor Experian. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2009 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX Balance : {$24000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have ask XXXX, XXXX, EXPERIAN to look into these accounts that was opened in my name without my consent this has set my life on whole when i never sign for any of these account they need to be remove
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXX XXXX account # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A section 2. States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666 B : a creditor may not treat a payment or a credit card account under a open end consumer credit plan as late for any purpose.
Product: Debt or credit management

T he apartment complex is trying to charge me for alleged violations related to damage to an elevator, claiming that the movers I hired caused the issue. However, the apartment complex did not require or request a certificate of compliance from the moving company or from other residents moving in or out. Such a certificate could have ensured accountability and addressed potential elevator issues. 

Additionally, the apartment complex did not provide me with adequate time to file a claim with the insurance policy I had on file with them. Furthermore, there was no certificate posted indicating that the elevator in the building was certified in compliance with Iowa state regulations. I have numerous emails documenting ongoing complaints about the elevator frequently breaking down. On one occasion, a person was trapped in the elevator, requiring firefighters to respond and free them. Despite Iowa law requiring elevators to have emergency contact buttons for police, fire, or medical assistance, this elevator lacked such safety features. 

Now, 30 days later, the apartment complex is attempting to hold me responsible for the elevator damage and include it in the debt they claim I owe. They are also alleging there was blood on the floors, which is falsethere was no blood on the floors when I vacated. 

When I left the apartment, I followed their instructions to leave the keys inside, leaving the unit unsecured for over a day. This created an opportunity for anyone to access the apartment, especially given the buildings ongoing security issues, including unauthorized guests, homelessness concerns, and XXXXrelated activity. These factors raise serious questions about the legitimacy of their claims and the handling of this situation. 

I also tried to dispute these charges prior to the flux sending me off to collections and they refused to work with me in good faith and lacked sending me any photos.
Product: Debt collection

My home had been insure under XXXXXXXX XXXX for 5 years and previous home for 20 years. It was rented. I called to change the policy from renter occupied to owner occupied. The girl that answered treated me as a new client and began to ask questions that had already been done prior and was on file. When asked what year my septic system was installed she said I answered incorrectly and therefore they would no longer provide insurance again ever. I was told since my current policy was paid it would continue but since it was illegal to issue a renters policy with an owner occupied house it would not be renewed. They sold my name, number and adress and I was constantly bonbarded with insurance brokers every hour and every day. I called and demanded a cease and desist! I kept getting calls and letters from them asking for payment of a policy I did not authorize and they said it would be illegal for them to issue. There after I began receiving ing text messages. I replied with stop, with purchase agreement and legal ownership of debt ownership by debt validation request. 15 USC 1692c,, FDCPA, FTC violations. and blocked the number but still receive text messages.
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit it's my understanding that Bureaus investigate this account for me to ensure accuracy. Here is the XXXX account XXXX i am asking you to verify as accurate
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE FRAUDULENT ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I am having issues with inaccurate addresses on my credit file. I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Credit Act, you are required to comply. The following addresses are not mine please remove/delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX , XXXX, OH XXXX-XXXX XXXX XXXX CT, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX
Product: Debt collection

There was a point where I lost my wallet. My wallet had a lot of valuable and personal information in it. I started to notice accounts that were negative reflect in my credit report that I had no idea and that do not belong to me. Since I have lost my wallet, I have also been in my personal information and data Were involved in various data breaches with XXXX and TransUnion. I am not aware of this debt nor where it came from. The debt is listed below ( XXXX XXXX XXXX XXXX XXXX XXXX ) Amount {$3800.00} Date assigned XX/XX/year> This debt is a result of identity theft. Please provide any and all and all proof that this is XXXX XXXX accurate beyond a shadow of doubt. I need receipts and signatures and full statements because I am not aware of this debt
Product: Debt collection

I ended cable services with XXXX and returned there equipment. When the collection agency called me I was informed that the charges were for non returned equipment. I returned the equipment to the XXXX store in XXXX Ca. I was told that they would investigate and return the call with an update. The next thing I received was a ding on my credit report.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 Balance : {$0.00} COLLECTION XXXX Balance : {$480.00} COLLECTION XXXX Balance : {$620.00} XXXX XXXX Balance : {$870.00} XXXX  XX/XX/XXXX XXXX CARD XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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  I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have a mortgage with ServiceMac LLC, transferred from XXXX Home Mortgage   several months ago. I sent in my XX/XX/2020 payment in the amount, or more than the amount, that I believed was billed. ServiceMac contends that I did not make full payment. I can not prove what my XXXX statement read, because I shred statements after payment has been scheduled through my bank. ServiceMac did receive the payment, that I scheduled, on XX/XX/2020. ServiceMac did not however apply the payment against any portion of my mortgage. ServiceMac contends that since it was not full payment, or more, that they can hold partial payment as unapplied until full payment is received. I would think that ServiceMac should still be required to apply whatever payment received against the mortgage loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act collections account with XXXX with account # 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 602 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 accordance with the Fair Credit Reporting act XXXX Account # 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 XX/XX/XXXX Bankruptcy I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet and all personal information was stolen in 2018. On my first time obtaing a credit monitoring app recently, i have seen numerous inquries/accounts and collections on my credit report that i did not put on there. my identity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent in multiple complaints and have notified this company multiple times about my identity theft and somebody opening up accounts under my name. XXXX and XXXX  have already removed these accounts from my report. i received a notification from your company stating that these accounts do belong to me.? obliviously the accounts are going to have my information on them since they were opened under my name. Who ever hacked my personal information/identity used my information to obtain these accounts. please remove these as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX
Product: Debt collection

I received a letter from Receivable Management Group Inc. about a bill from XXXX XXXX XXXX for a XXXX for my daughter in XXXX or XXXX who was XXXX and for whom I am the insurance provider and owner of the XXXX XXXX XXXX XXXX XXXX ) account that I used to pay the bill. The letter stated that as of XX/XX/XXXX I owed {$30.00} and indicated that between XX/XX/XXXX and XX/XX/XXXX that I paid {$18.00}. 

However, my XXXX statement shows that on XX/XX/XXXX I paid the bill of {$34.00} to XXXX XXXX. 

I have received no subsequent billing from XXXX. 

I request ( honestly, I kind of demand ) that this be resolved by XXXX and Receivable Management Group Inc. in a way that completely removes any record causing any negative impact on mine, my wife 's, or my daughters credit ratings.
Product: Prepaid card

I received a letter in my mailbox from netSpend out of XXXX, Texas it is a Prepaid MasterCard that you can load your full or percentage of your paycheck to. This company even provides you with a Routing number XXXX and an account number XXXX through XXXX, ( this is not my information it is theirs ) I believe they are in XXXX XXXX, South Dakota. The thing about this prepaid card is in order to set it up you have to enter the XXXX digit card number and then the # key. Then they ask you for your SOCIAL SECURITY NO. and DOB. You can not speak to anyone at this company until you do those following steps. What makes this situation weird is I am unemployed and as random as this card is there are over XXXX complaints on line from people who have given this information on line and have lost their paychecks and have bills that are past due. 
I actually put in a fake SS no and a fake DOB to see what would happen and I was able to give the card a XXXX digit pin. What makes this bad is after I spoke with this company over the phone I got an email where someone had changed the pin number. This company is in the business of scamming people out of their paychecks by making them use their financial institution to deposit their money. Many people are not aware that this tactic is illegal. The mention on the letter that they do not accept printed checks, they do not accept deposits via wire transfers, if you do they will return the check to you or destroy it. Only the person on the card can make the direct deposit. The note directly under the card says " I indicated that I had an interest in the card and that is why they sent it to me ''. I have never heard of this company nor did I intentionally or unintentionally ask for this card- so that is a lie. Once a customer signs up for this card giving them their social security number the company now has access to your credit and all of your other banking and credit reports. They take money from your account, add stop payments to other bills to other companies and put stop payments out on you.
Product: Mortgage

I found a late payment on my credit report for XXXX 2015 for Nationstar Mortgage, even though XXXX was not there back a few months ago. 
I called Nationstar and they told me that they took part of my payment ( about XXXX ) and applied it elsewhere, so then there was not a full payment for the mortgage. They never told me they were doing this, or notified me, and they kept the full payment of approximately XXXX, which was credited from my bank account. 
XXXX XXXX told me to fax her the proof directly of my payment two weeks ago, which I did. I have not gotten a response so I faxed another letter yesterday, still no response. 
I called today and talked to XXXX in customer service who said that she saw nothing in my file. She tried to get ahold of XXXX but no luck. Now she told me I have to re-send everything to their research department and that she can not help me. 
They have a different department for every issue and no XXXX talks to anyone else so it is like starting over with an issue every time you call. 
Nationstar did something similar when I first opened my loan. I sent a cashier 's check for a large amount of money for my escrow account, and they applied it all to my mortgage, then tried to charge me interest. It took me over 3 months to get the situation rectified.