23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied for an apartment at a complex called XXXX XXXX '' in XXXX. I paid a {$400.00} security deposit upon application using my credit card. I did not rent from The XXXX and asked for my security deposit to be refunded. The complex said it takes XXXX weeks to receive the deposit back. After XXXX weeks, they had not refunded my money. I called my credit card company and disputed the {$400.00} charge. My credit card company gave me a {$400.00} credit to my account as a curtesy while they did an investigation. A few days later, the XXXX refunded my {$400.00} deposit by mailing me a check. I called my credit card and cancelled the dispute The credit card company put the {$400.00} curtesy credit back into my account. I paid the {$400.00} charge with the check The XXXX sent me for {$400.00}. 
I XXXX XXXX XXXX, The XXXX turned me over to collections for the {$400.00} stating that I was refunded twice. My bank confirmed that {$400.00} was NOT refunded to The XXXX. 

The collection agency refuses to prove me proof that I owe {$400.00}. They refuse to provide proper documentation outlining why The XXXX states I owe {$400.00}. The collection agency said that I can not dispute the amount as I was told by them that " I owe it ''. The agent was very rude and hung up on me.
Product: Credit reporting or other personal consumer reports

I recently reviwed a copy of my credit report and noticed fraudulent accounts, these accounts are hurting my ability to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Equifax XXXX XXXX XXXX XXXX GA XXXX To Whom It May Concern : I received a copy of my credit report and found the following inaccurate items which are reporting in error : [ account_name, account_number, dispute_instruction ] Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter. 15 U.S.C Section 604 A section 2 : It also states a consumer reporting agency can not furnish a a ccount without my written instructions. 

Remove These Accounts : XXXX Account Number XXXXXXXX XXXX XXXX Account Number XXXX REMOVE THESE INQUIRIES : XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

Transunion Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 XXXXL XXXX XXXX XXXX XXXX XXXXXXXX Experian Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX, AZ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Employer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX UNIT XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

The following Accounts : Account name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/2017 Status : Closed. {$12.00}, XXXX written off.
Product: Checking or savings account

When I opened my checking account with Capital One 360 I was enrolled in a promotion " Open a new Capital One 360 checking account by XXXX XXXX, 2017 and receive two direct deposits of {$250.00} or more within 60 days of accepting the terms. You must also use the reference code XXXX. '' I entered the promotional code and completed the requirements of the promotion as required and never received the {$400.00} bonus stated in the terms.
Product: Credit reporting or other personal consumer reports

I sent out a second letter to XXXX asking for my inaccurate accounts to be removed due to identity theft. It been since XX/XX/year> that I filed my claim and no action was taken. I need XXXX to resolve my issue immediately. Thanks.
Product: Debt collection

I was hacked on multiple occasions In XX/XX/XXXX my phone was turned off & I was advised this was an internal issue In XXXX & XXXX I was hacked again & money taken from my account. The first time a dispute was filed & account repaired. In XXXX I was advised I would be held responsible for fraudulent activity, in both instance of Fruad. 

I did not request or receive the merchandise the company was immediately made aware. Multiple fraud inquiries improperly handled & without proof or validity Please reference Fraud Inquiry request and assigned XXXX XXXX Inquiry request and assigned XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I was placed on review from my job, because of how items were reporting on my credit report, I reached out to the 3 credit bureaus. XXXX, Equifax and XXXX to inform them about them about the lack of accuracy, completeness and verifiable nature on my credit report. In XXXX they told me to send a copy of my social, proof of address and identification, I did as they request and nothing was done. I made complaints and they stated everything was verified, because of their lack of corporation I was fired today from my place of employment, last month XX/XX/2022, I was placed on leave without pay because this was not rectified. My credit score has dropped from XXXX across all 3 bureaus to the XXXX 's. I have fallen behind on bills and is having a hard time paying my mortgage. The FCRA states that the 3 bureaus are suppose to report Accurate information I have proof to show that they are not reporting accurate, I have multiple spellings of my name and 3 different address, I have account that are different on all 3 bureaus. I accounts showing with account numbers that are not mine different remarks and balances. Also when I ask about how they verified the information, I never get an answer. The leave of absence was already a burden not the loss of employment before the XXXX holidays have effected my family tremendously. I have migraines, thinking about where my next meal might come from, if I'm going to lose my house, my wife has threaten to leave me and I have to clue how to explain the difficulties of not having a XXXX to my XXXX year old. I also attached the green return receipt from the correspondence I mailed to the bureaus also a copy of the proof of ID, proof of address and SS card all marked out.
Product: Mortgage

XXXX XXXX XXXX sent my file to Specialized Loan Service without notifying me prior to around XX/XX/2011. I have been disputing this transfer ever since. I was also in the process of a modification with a XXXX who has a contract to work with XXXX to assist with modifications and to prevent my home from going into foreclosure. SpecialiZed Loan Service has not worked with me to remain in my home. I have attempted on occasions to make the payments I could afford which was on a previous statement from SLS who I never contracted with while requesting my loan remain with the original bank who claims Im a valued customer. I also called at XXXX to verify my loan number. She refused to confirm the number I gave her and never sent an email with this information as she stated. Both parties have been blaming the collection on the investor who has in turn referred me back to the most recent servicer.
Product: Mortgage

Clients applied for a loan modification XX/XX/XXXX and were advised XX/XX/XXXX that they had been denied assistance. They then received a notice of intent to foreclose XX/XX/XXXX included in that letter was a loan modification agreement dated XX/XX/XXXX. The hearing was set for XX/XX/XXXX. The letter they received had a HAMP Tier II loan modification with payments starting XX/XX/XXXX. When they received the paperwork they contacted the lender and the lender advised them to send the loan mod back in and they would honor it. However, when they did get it turned back in the lender said it was too late and denied them the assistance. We immediately applied again XX/XX/XXXX and XX/XX/XXXX trying to get the loan modification. The lender then stated that they could not get another loan modification for 24 months from the XX/XX/XXXX loan modification even though they were never made aware of the agreement until XX/XX/XXXX.They are asking that the lender honor the loan modification that was supposedly offered to them XX/XX/XXXX. They are asking for proof of receipt of the loan modification paperwork as well. They received the paperwork XX/XX/XXXX ; however, the letter was dated XXXX. When they contacted the bankruptcy dept XX/XX/XXXX they were advised to go ahead and send over the paperwork and they would honor the loan modification. Once they did this the lender said it was too late. We resubmitted the loan modification package XX/XX/XXXX and they were turned down again stating they had had exceeded the maximum number of loan mods allowed by investor.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have 2 fraudulent inquires on my credit report from Bank of America. i contacted me identity protection service for both inquiries and had them disputed directly with Bank of America and both were verified as fraudulent. I requested that I receive documentation for both inquiries stating that they were fraudulent. I have not received any documentation for either inquiry. The date for the first inquiry was XX/XX/XXXX and the second inquiry was XX/XX/XXXX. I requested that both of these be removed off my credit report. It has been over 90 days and both fraudulent inquiries are still showing on my credit report. I am requesting that they both be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I have previously disputed this item with Equifax, XXXX, and XXXX which all came back saying verified and accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureaus for that matter ; therefore the original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. {$1600.00} ) and the information must be deleted immediately. ''
Product: Credit reporting or other personal consumer reports

Chase has not been reporting accurate payment totals since the opening date of both of my accounts. There are months missing with no data reported and multiple months that are reporting lower payment totals than the actual amount I have paid on the accounts. 

I am formally requesting Chase to conduct a review of my accounts with total payments made since the opening date of both credit card accounts to update all major credit bureaus with accurate payment data ASAP. 

Thank you
Product: Debt collection

XXXX collection account for ability recovery services I don't know this company Its a debt owed on my child 's behalf not for my own recognition. I'm not the one who was seen that day my child was. He's got title XXXX XXXX he's XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a letter with a Collection account reporting an Open account with is illegal per the FCRA.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2018 XXXX  received a dispute letter from me asking them to provide accuracy of a public record ( bankruptcy ) and if they could`nt verify to please remove immediately see attached letter.After the completed investigation from XXXX it was told in a letter that a third party vendor Lexis Nexis had verified the bankruptcy see letter attached marked ( A ) i find this impossible because i put a security freeze on Lexis Nexis this is clearly a privacy violation for both agencies. I need to how is this verification  legal since the courthouse on record doesn`t release said information.
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVE some of the incorrect items in my file that caused by inaccurate credit information but I still have ITEMS left that needed to be removed. Despite submitting an FTC report, these items remain unresolved. I previously contacted the companies listed below, requesting the removal of these unauthorized inquiries from their records and all credit reporting agencies. They assured me of their compliance, and each company received a certified letter indicating the inquiries were unauthorized. I demand the immediate deletion of the unauthorized inquiries and erroneous information listed below. This letter addresses several unauthorized hard credit inquiries and erroneous information on my credit report, with THREE ( 3 ) inquiries still present. Enclosed is my new FTC report, number XXXX, for your reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- -- -- -- -- Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX Under the Fair Credit Reporting Act Section 605B ( a ), you are required to remove items opened without my knowledge, consent, or authority within four business days, given ( 1 ) appropriate proof of my identity; ( 2 ) a copy of an identity theft report ; ( 3 ) identification of such information by me; and ( 4 ) a statement from me that the information is not related to any transaction by me. This letter serves as a formal notice that if these inquiries are not removed from my report, I will proceed with legal action. My attorney is aware of my intentions and is prepared to hold you accountable for noncompliance. Please remove the inquiries resulting from erroneous credit reporting. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

A STUDENT LOAN IS REPORTING ON MY CREDIT REPORT THAT I DONT OWN AND ITS FRAUD.
Product: Money transfer, virtual currency, or money service

They closed my account any wont let my get my {$25.00} out
Product: Debt collection

ENOVA and subsidiaries filed a suit without merit or notifying me. Also, it was filed and state where I do not reside, work or do business in. Also, it was harassment against me at a house I do not reside at currently due to water damage per a leak which lead to mold remediation and ongoing repairs. ENOVA illegally left sensitive documents where a worker at the house saw sensitive information. Also, It was illegally and incorrectly left for a company that is not at this address. There is no company at this address. Also, Another company reached out to me informing me of the lawsuit. We were in the process of discussing dismissing this claim against me with regards to communication with ENOVA and XXXX XXXX XXXX XXXX So I was blindsided by the lawsuit while getting resolution via CFPB, XXXX, and Attorney General Office in Chicago. I was informed of the lawsuit by a company called XXXX XXXX, XXXX. This matter is being mediated with XXXX, CFPB and Office of Attorney Office in Chicago. This company and subsidiaries and parent companies are predators and anti-Black American. We will fight this unjust claim as this company continue to humiliate, defame and slander me.
Product: Credit reporting or other personal consumer reports

I was a victim of the Equifax data breach. I contacted all 3 ( XXXX, Equifax, and XXXX ) credit bureaus via certified mail that there were incorrect addresses on my report and that they should be removed immediately. The address are still on my credit report. They are fraudulent and should have been removed over 90 days ago.
Product: Student loan

Navient is refusing to resond to inquiries about the Holder Rule as it pertains to my Loan Agreement and they are refusing to properly investigate the Notice of school misconduct as it pertains to the Terms and Conditions of my loan agreement and the Holder Rule Notice guidelines found on the XXXX website. I have clarified through Email / Phone / CFPB complaints and internal messaging with Navient 's website what I am asking for. 

The School Misconduct Form is an unacceptable substitution because it doesn't adhere to the Holder Rule Notice in my Loan Agreement. The office of the customer advocate and the person that I assume is responding to these complaints told me that " it was something different '' when I asked if this was inline with the Holder Rule. 


I WANT NAVIENT TO HONOR THE HOLDER RULE DISCLOSURE NOTICE THAT IS TO BE TREATED AS A TERM AND CONDITION OF MY LOAN. 

XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 
XXXX ASKING ABOUT THE HOLDER RULE IN MY TERMS AND CONDITIONS. 

I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE. 
I AM EXERCISING MY CONTRACTUAL RIGHTS UNDER THE HOLDER RULE.