23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The landlord, XXXX XXXX XXXXXXXX XXXX, committed multiple violations of XXXX  tenant law under XXXX XXXX ( A ), XXXX ( D ) and XXXX ( C ) including breaches of their duty to mitigate damages and to provide an itemized list of damages within 30 days of a written request. Under the law, not only is XXXX not entitled to anything, but as the tenant I am entitled to twice the wrongfully withheld amount. 

I was present at the move out inspection in which I was explicitly told there were NO damages. Then, after move out, they have attempted to collect almost {$1000.00} in unspecified damages with photos of the apartment prior to being cleaned. This is a blatant violation of the law. It has been many months and there is still no itemized list. 

The wrongful charges were formally disputed in writing with XXXX on XX/XX/XXXX and confirmation of receipt was received by email that same day. I reached out again, in writing, on XX/XX/XXXX which was confirmed received on XX/XX/XXXX. On XX/XX/XXXX I received a message that the property had been contacted but no response had been received from them, already more than 30 days after my request for an itemized list of alleged damages. I reached out again on XX/XX/XXXX which was confirmed as received on XX/XX/XXXX. I was told a full response would be sent in XXXX business days but it wasnt. I did not hear from them until hearing from a collections company instead, Genesis, on XX/XX/XXXX. 

I sent a dispute of the debt to Genesis as well on XX/XX/XXXX which was confirmed as received that same day. I was contacted again by Genesis on XX/XX/XXXX with the same insufficient documents that I had seen in the Crestone portal. I sent them a second dispute, similar to the first, with the relevant law and decided to report them for their attempts to collect an illegal and unowed debt. Debt collectors can not place a negative record on a persons credit without justification or attempt to collect unjustified debts formally disputed with the source. This should never have been forwarded to a debt collector in the first place and is an urgent issue that must be resolved appropriately.
Product: Credit reporting or other personal consumer reports

These hard inquiries are unauthorized and they are not related to any transaction by me. I want these hard inquiries removed. 

XXXXXXXX XXXX XXXX XXXXXX/XX/23 XXXX XXXX XX/XX/23
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please repair the following accounts completely from my Credit Reports : Accounts : XXXX XXXX EFS XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}.
Product: Credit reporting or other personal consumer reports

I will upload a PDF of this in case the formatting gets removed : I pulled my Experian Consumer Report and noticed a whole bunch of things I do not want on there, which I had never consented to them having or sharing. I mailed them a very detailed letter requesting they prove they had the right to receive and share my information. I clarified that even if I HAD accidentally consented, I hereby revoke that consent and I listed all the things they must remove. 

I extended Experian 30 days to provide proof of my contract with them as well as proof they have provided clear and conspicuous notice. I also extended them 30 days to remove the particular things I wanted removed, requesting they send me an updated report. 

I made it clear I will hold them accountable for {$1000.00} per violation. 

I also made it clear that, as Im currently traveling, they must respond via email. And therefore, if they mail their updated report and/or proof of contract or consent INSTEAD of emailing it to me as well, it shall be considered as though they have not responded at all. 

I have not received any email. I am not aware of any mail sent to the mailing address they have on file. And, as I can see from todays Experian report, there are still XXXX  data points which they have yet to remove. 

For the record, I will attach my letter to Experian in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$6200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, XXXX XXXX, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX I with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6200.00} -This is not my account.
Product: Mortgage

Completed a Deed-in-lieu in XX/XX/XXXX with Pennymac loan services. XX/XX/XXXX Pennymac reported a late payment on my credit report for non-payment after release of lien was issue in XX/XX/XXXX and XXXX completed in XX/XX/XXXX.
Product: Debt collection

I have no knowledge of this debt. There was no invoice sent to me. 
This company has reported this on my credit report. 
I called XXXX XXXX but I was not connected to anyone. 
The bill is in he amount of XXXX. 
I am requesting validation of this bill.
Product: Mortgage

We have been working on a mortgage with Greenlight Loans since XXXX XXXX. This is a XXXX family 30 year fixed conventional mortgage. We have good credit, were pre approved ( with a promise to close within 30 days ), and can satisfy debt-to-income requirements. The house was appraised and we received conditional approval within 15 days. The condition responses were returned the next day and there has been no forward movement since then. We did have a hiccup with the seller not having the pool ready for the appraiser, but that was completed and the appraiser report was sent to Greenlight on XXXX XXXX. Every time I follow up to see what the status is, the closing coordinator indicates something is being cleared in underwriting and we " should close next week ''. I have been hearing this every week for four weeks now. I always have to ask for a status, they are not proactive in updating me at all - I believe the file is sitting on someone 's desk until prompted to work on it. They had not asked me for XXXX additional piece of information, just keep delaying the final steps. Then last Thursday, they have a list of information they need for underwriting, which I completely understand they need to update their file. It was simple stuff and was returned within XXXX minutes. But, how could the closing coordinator be promising to close when the XXXX file was not even complete or up to date? Today, their response is " being cleared by underwriting for funding and this will be done in about an hour '' - that was XXXX hours ago. The sale of our house is closing Friday and we are going to be homeless if we do n't get this closed. Further, this is not just affecting my family. The sellers and our realtors are all impacted. I honestly believe that the closing coordinator does not know what she is doing and has no training or guidance. I also do n't think anyone at the company cares. My husband filed a complaint on their website and I have also called their Consumer Affairs Department with no response.
Product: Debt collection

XX/XX/XXXX, bill was not paid it says. Amount due as of XX/XX/XXXX XXXX dollars. Company name XXXXXXXX XXXX XXXXXXXX. They sent a bill to collections in my name.
Product: Credit reporting or other personal consumer reports

I have XXXX late payments reporting that shouldn't be reporting according to 15 USC 1681 A ( 2 ) ( I ) which stats the term consumer report DOES NOT INCLUDE ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; MY TRANSACTIONS are my payment history therefore the accounts shouldn't be reporting late on my credit report.
Product: Debt collection

I found a collections account on my credit report that I dont believe is mine or was from well over 10 years ago. I was never contacted by the collections company before they added this to my credit report - no letters or any information was sent to me
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

This is a charge off debt that has been removed from my account more than once and they are changing companies and adding it again. 
The day the debt was accumulated is incorrect it is not 2024. I have never seen a contract, between Wakefield or XXXX I also have never seen a 1099c.

They are inaccurate in the information they are putting on my account in dates and I have no idea of who they are, having no cintract with them at anytime. They are harassing me by charging companies and resubmiting a debt that is not owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last month to the credit reporting agencies regarding an account on my credit report. They are reporting that I was late, but I was never late. I have asked for validation and was never sent any historical data. I am asking for XXXX, Equifax, and XXXX to fix this inaccurate information they are reporting to the credit reporting agencies. Their error is causing me extreme distress. The data furnished is different between all 3 bureaus and this is a violation of the FCRA because all data furnished should be the same. They are reporting that I was 120 days late in XXXX while the other is reporting XXXX. How is this accurate? You are also reporting 120 days, but nowhere in the payment history is it recorded that I was late 30 days which is the first violation. If I was late, you think a company will skip over 30, 60, 90 days and just report 120 days? I am liable for compensation for false reporting, but at this time I am only asking for the late payment to be rescinded. I do expect a response within 15 days since it has been well over 30 days since my letter to this company. Please see the inconsistent credit report. I will attach my credit report to show the inconsistency.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

I pay my bill in full and on time. Yet Macys continues to send statements after my bill is paid looking for {$2.00} in interest charges. I called in XX/XX/XXXX thinking it was a mistake. They tried to fast talk me about interest and they removed fee. But they did the same thing in XX/XX/XXXX. When the bill is paid in full there should be no interest. I suspect Macys is just ripping people off. Many people will just pay that small amount because of the hassle but I wont. Its just wrong. Im cutting up my Macys charge. Please make them stop. 
Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I disputed an inaccurate account with Transunion the account which is XXXX XXXX XXXX # XXXX. Transunion investigated and it came back verified. In XXXX I sent in a certified letter to Transunion for a Method OF Verification. This is my right to see and look over and see who verified the account with the credit bureau and the creditor. I have enclosed a copy of the letter that was sent to Transunion via mail certified and the mail receipt that they received the letter, The letter dated XX/XX/2018 sent on XX/XX/2018 Transunion received the letter ( METHOD OF VERFICATION ) on XX/XX/2018,,, i have copies of the delivery receipts On XX/XX/2018 i was notified that Transunion completed their investigation with the account XXXX XXXX XXXX XXXX, they failed to send me what I requested, how they investigate it and complete the investigation and failed to send me the Methods of verification that I request, I am a consumer and I have rights to request the method verification.. Transunion have violated my rights and need to remove the account from my credit, I am filing a small claims for the non-compliance and violation of the FCRA. This is not right, I have sent letters also asking for the original contract and they failed to send the proof that I am entitled to ... delete the account from my file. A debt is not valid unless there is an original contract signed by me the consumer and I have rights to see the original signed contract and to see there method of verification, if they did a 100 % verification then I should have been allowed to see the names and address and phone number of the people that verified the account with the company. Transunion violated laws and my rights and refused to send me what I Requested. Per the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your company. Transunion received the certified  METHOD OF VERFICATION Letter from me. They still refused to send me what I am entitled too ... this is not right,,, delete it please off my credit file,, is not right to violate my rights to what I am entitled to,,, I have enclosed the copy of the letter and the certified letter mail receipt and the delivery notification,, I Should have got the METHOD OF VERFICATION. I was entitled to see that information so they refused to send it. You are not asked to delete the account or I am entitled to damages from this company for the non-compliance I am taking this to court if not removed a.s.a.p. I AM ALSO PROVIDING PROOF FROM XXXX THAT THEY WAS IN THE SAME VIOLATION OF MY RIGHTS AND LAWS AND FCRA, XXXX  REMOVED A ACCOUNT FROM MY FILE DUE TO THEM NOT SENDING MY METHOD OF VERFICATION AND TRANSUNION IS IN VIOLATION ALSO. I HAVE ENCLOSED A COPY OF XXXX RESONSE TO MY COMPLAINT WITH THE CFPB ON THEIR NON COMPLIANCE FOR METHOD OF VERFICATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX On this paid-off account, I never had a late payment. If you want to correct the false information you've given about my account, please provide me with proof of a transaction proving I've ever been late. Please remove these purported late payments from my credit record in accordance with USC 15 1666B if you are unable to provide this.1681s-2 says is you have reason to belive this info is false you must remove it
Product: Credit card or prepaid card

I made a money transfer from my pay roll EFS card to my American Express Bluebird card as I have previously done. I made and transfer of {$11.00} on Thursday that posted on XX/XX/18. On XX/XX/18 I made a transfer of {$570.00} that should have posted on XX/XX/18 but it did not. It still has not as of XX/XX/18. American Express tells me that do not see the transaction but assures me it will be posted to the account once the technical error is corrected in there system. It went from will be deposited in 24 hours to 12 hours to I am still waiting. According to reps I am another the only one. I  have found many complaint posts and the call wait time is always over 10 minutes.
Product: Credit reporting or other personal consumer reports

I have been receiving adversarial responses to my complaint by Equifax and as a result Equifax is making unverified rulings and findings to a multiple of my disputes in violation of 15USC 1681i and 15USC 1681s-2. Equifax has not demonstrated in these regards that they are will to conform to the law as required under FCRA. Equifax actions herein so far as shown that they are failing to verify the accuracy of my disputed reports by executing reasonable procedures and examinations of sufficient evidence. I still have disputes pending and Equifax is so far showing it is not willing to obey the law herein.
Product: Bank account or service

Opened checking account with Wells Fargo. Noticed {$20.00} charge on the account. Inquiry showed that they sent me checks, which I did n't order. When I complained about that they refused to refund the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried to dispute this and they have advised it was closing but it has not closed as of yet.
Product: Payday loan, title loan, or personal loan

Loan payed by chapter XXXX my case is finished and closed loan was included!!! my balance is XXXX it appears XXXX I dont recognize!! I call my lawyer they say it should be removed!! Because is paid!!
Product: Mortgage

I am in an active loan modification review with my lender Quicken Loans and have a trustee sale scheduled for tomorrow, XXXX XXXX, 2016 at XXXX. I spoke with Quicken Loans and was informed that they will not be postponing my sale. I believe this is a form of dual tracking and completely illegal and are unsure why they are choosing not to assist me in this matter. I am now forced to hire counsel and help protect myself.
Product: Credit reporting or other personal consumer reports

Credit was ran for car loan several times, I did try to dispute it and nothing has happen with this. My credit has been destroyed I may not have XXXX but what I do have I work hard for. I would like for this information to be removed from my credit so that I can keep the score that I do have. I would like the inquires removed off my report.
Product: Debt collection

Creditor is reporting accounts that are invalid and unverified. XXXX   and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : Account Name NATIONAL CREDIT SYST Account Number : Account # XXXX Date : XX/XX/2017 Amount : {$7800.00}
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. 

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  This 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: Debt collection

After being denied a mortgage loan, I found out that EOS CCA ( collection agency ) was reporting on my credit report that I owed them {$620.00} for an unpaid cell phone account with XXXX XXXX XXXX XXXX. This is definitely a case of mistaken identity. To prove it I mailed EOS CCA a certified letter requesting validation of the debt. They failed to validate the debt, by simply sending another bill as validation. Also, the bill had an address on it that did not belong to me. I called XXXX/XXXX/16 to see if the account was going to be remove from my credit report, but was given the run around by a Manager name XXXX.