23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone used my information to try and rent two apartments in my name last year one was at the XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NJ XXXX for the amount of {$240.00}, and the other one is the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NJ for the amount of {$220.00}, the name of the collection agency is Columbia Debt Recovery XXXX XXXX  XXXX XXXX XXXX XXXX XXXX WA XXXX and these collections were placed on my credit report withouth my knowledge until I got an alert from one of my credit monitoring companies and it sits there and is accruing interest every month. 


I have never tried to rent any apartment in NJ I own a home a home in XXXX Georgia
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. 

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 Equifax 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 XX/XX/2021 XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Product: Debt collection

I was in an apartment named XXXX and I left that apartment in XX/XX/year>. This final balance was {$270.00}. My insurance jetty paid that amount to XXXX and i paid {$270.00} my insurance company. Now, There is a debt on my name since XX/XX/year> for {$270.00}. I tried to dispute many time and provide documents too but it is not removed yet. This debt is giving my mental and physical distress. It is also affecting my credibility and credit score. Currently, I need to lease apartment with my wife and XXXX small kids but this debt is not removed yet from my account. Rental apartment is connected with 3rd party agent XXXX then XXXX  is taking information from XXXX  and XXXX  is collecting data from national credit system. I discussed with national credit system and raised the dispute with all proof but it will take 30 days to resolve. To avoid rental issue, I paid them twice to remove it from credit bureau so i can get apartment. They are investigating it from last one year. They are doing or collecting all proof from me but not involving XXXX and resolving the issue. I am in tremendous mental pressure while dealing this issue even after paying this balance long time back. I want to complain about this XXXX XXXX I am going through because of this misinterpretation of debt.
Product: Credit reporting or other personal consumer reports

This account was settled per the settlement agreement attached yet American Express did not report it to the credit bureaus that the account was settled. 

Also, this was a corporate account and should not even be on my personal credit report. 


Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or approve these accounts, and I have no knowledge of their origin. Under USC 1681g, I am formally requesting their removal within XXXX  days. I have included relevant documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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.

I need this information below. If you can not provide this information please delete these accounts from my credit report.

1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of The Original Merchant ) 3. The Payment History and Itemized Billing Associated With These Accounts 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) 1. Account Name : 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
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX XXXX AND EQUIFAX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Debt collection

i faxed information to this coimpany as well this account is a result of identity theft and is still being reported and collected on ... acct # begining with XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Account number XXXX The account you are reporting is identified as an installment loan which is factually incorrect. The true account type for this account is Credit Sale Agreement. I have the right to an accurate credit file and discrepancies like this is unacceptable. Please remove this account from my credit file immediately
Product: Credit card

Robinhood XXXX XXXX Credit Card offer me a card I believe in the month of XXXX with an annual fee of {$50.00}. On XX/XX/year>, just a month after, I was charged the mentioned annual fee. I contacted the company this month because I realized that on top of the annual fee, I was charged a late fee. I told them that I do not signed up to be charged for an annual fee that is in course and that is a deceiving practice that the company is doing. I requested to cancel any membership and account that I have with them I was told that they will be charging me the late fee if I do not pay the balance of {$110.00}, which includes, {$50.00} annual fee, XXXX late fee of {$25.00}, XXXX late fee {$40.00}, XXXX interest charge of {$0.00} and XXXX interest charge of {$1.00}. 
I explained to the representative that why should I pay for an annual fee that is still in course, and late fees for a card I have never used. His response was that even though the account has been closed, I am still responsible for the balance. 

I urge CFPB or any other agency responsible for enforcing transparency and accountability on companies with such a deceptive policy and practices to ensure to comply with fairness to consumers.
Product: Money transfer, virtual currency, or money service

Paypal advertises a XXXX transfer limit on cryptocurrencies to external wallets. In practice, they are limiting this amount by an unknown and arbitrary number unless customers elect to pay them extra money to convert their cryptocurrency into USD. This amount decreased with each transfer attempt so without knowing the limit a customer can not accurately guess what it is. Called about this issue and customer service suggested I wait 3 days for the system to reset to attempt again with no guarantee of success of transfer or pay Paypal to convert the cryptocurrency to USD. This is false advertising and unlawfully restricting customers from their funds en masse.
Product: Debt collection

HS Financial Group has violated Section 392.307 of The Texas Finance Code and Section 1066.26 of The Code of Federal Regulations by attempting to collect on Time-Barred Debt. Ive received correspondences from Halsted Financial Services and XXXX XXXX XXXX XXXX both collecting on the same debt at the same time which is impractical. Neither debt collector disclosed that both accounts were Timed Barred Debt. Failure to disclose a Time-Barred Debt is a direct violation under Section 392.307 ( c ) ( e ) of The Texas Finance Code. I have filed an additional complaint with The Office of The Attorney General to further disclose HS Financial Group business practice. 

Account # XXXX Account # XXXX
Product: Prepaid card

i registered the gift card and am unable to use it.after several calls got a live person and they told me that it was registered to someone else.eventhough i can access the account and change the pin number.this is XXXX percent a scam
Product: Credit reporting, credit repair services, or other personal consumer reports

Just filing a report stating that i have placed a secuity feezd with all 3 credit burers as someone have my social security number. I am not sure if this stems from 5 yearsvago when icwas robbed and they took my social and tried to open a XXXX account/service in my name or if it was the dark web where my social has been exposed as stated by vredit wise from XXXX XXXXXXXX credit csrd. Experian also stated it was exposed in a sata breach with XXXX in XX/XX/2021. As a not i do not and have no ever had an account eith XXXX.
Product: Debt collection

They call from many phone numbers. XXXX XXXX sometimes its a women 's voice automated, sometimes a man 's. Commenity Bank. They call a few times a day 7 days a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying multiple and countless times to correct my Credit Report by having the disputed accounts corrected and fixed and or completely removing the disputed accounts from my Credit file, but my requests have been constantly ignored. I am now submitting this CFPB complaint to warn the Credit Bureaus that in the event they do not comply with my requests and do not correct or remove the disputed accounts from my Credit File, I will be filing a lawsuit. Under the provisions of the Fair Credit Reporting Act, I am expecting that the Credit Bureaus will have the disputed accounts fixed and or removed from my Credit File. I am expecting that the Credit Bureaus will conduct another investigation and ensure that the disputed accounts are reporting accurately as required by law. If it is easier to deal with a lawsuit than correcting my Credit Report, so be it. I will be needing the correction of the following accounts completely from my Credit file : XXXX XXXX  XXXX XXXX XXXX Owed : {$63000.00} XXXX  XXXX Balance Owed : {$23000.00} XXXX  XXXX Balance Owed : {$19000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance XXXX : {$2400.00} XXXX  XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a letter from XXXX XXXX stating that my business APR had been raised due to falling personal credit score. Upon my investigation, I learned that only my Transunion score had fallen, and the other XXXX had actually gone up. But not only did my TU score fall, it fell over XXXX pts! I have never been late on a payment, nor do I have outstanding debt. I checked my TU credit report and found general personal information was incorrect, but found no underlying reason for the great drop in my score. I attempted to open a dispute, and was told by TU that my account has been suspended. I attempted to reach out by phone, and the voice recording hung up on me. I have reattempted to file a dispute and each time, either the page will not proceed or the page tells me that my account is suspended. I am being given no outlet for resolution, or to even discover why my score has fallen worse than an individual filing bankruptcy!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/year> MIDLAND CREDIT MANAGEM XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI, XXXX RE : Cease and Desist Collection Activities Account Number : XXXX XXXX Dear MIDLAND CREDIT MANAGEM, This letter is formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), that you must immediately cease all collection efforts regarding the alleged debt referenced above. I am exercising my right to request that you stop all contact with me regarding this matter. 

This request applies to all forms of communication, including but not limited to phone calls, letters, emails, and any other means of communication. Furthermore, I request that you do not contact my family, friends, neighbors, or workplace regarding this alleged debt. 

Please note the following : If you believe this debt is valid, provide written verification of the debt within 30 days as required by law. 
If you have already provided such documentation, I still demand that you refrain from further contact unless it is to notify me of the following : That your efforts to collect the debt are being terminated. 
That you may pursue specific legal remedies. 
That legal action will be taken against me. 
Be advised that failure to comply with this request may result in further action, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and/or my state Attorney Generals Office. 

Please confirm in writing that you have received this request and that all collection activities have ceased. Any further contact outside of the exceptions noted above will be considered harassment and a violation of my rights under the FDCPA. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2018, I received a credit denial letter in the mail from Chase after I had been approved for the mortgage loan and in Escrow for a home. At escrow closing, I heard nothing from Chase or my loan adviser, XXXX XXXX, who became increasingly difficult to get hold of during this time. We needed to file for an extension so the underwriters could start doing what they should have already been doing. Finally, when the credit denial came in the mail, I asked that my {$500.00} good faith funds be returned to me, as it states in the mortgage contract should happen. I have been calling and emailing my loan adviser, XXXX XXXX, her supervisor and Chase customer service since the credit denial was issued, and I have been given the run-around for over 6 months being told different things. If I wasn't completely ignored, then I was being told Chase would send me the check within 10 days or that they still needed my address ( I have given it to them 3 times as requested ), or that they are waiting for an approval or have to refile for it.
Product: Credit reporting or other personal consumer reports

Company started reporting on my credit profile. I sent validation and verification letter with in 30 days of them reporting. Have not received anything or a reply.
Product: Debt collection

this account is not mine and they keep reporting it as a collection account on my credit report
Product: Student loan

On XX/XX/year> I resubmitted by fax a request for deferment prior to my XXXX student loan payment being due. There was no response to my first online request for deferment. 
I met all the criteria for this deferment and yet there is nothing in my online account with Mohela that even acknowledged that I applied for a deferment. 

In my paperwork that was faxed to this company, I did request for a response. I did not get any. I also let Mohela know that I had to fax my deferment request since the first one was not acknowledged and also because there was no place on there website where I filled out their form to upload the required documentation. I have all my paperwork including my fax confirmation from the XXXX XXXX XXXX in XXXX, Texas where the fax was sent from. 

My payments where not deferred, although I met all the requirements and submitted to their fax number documents including my SNAP benefits documentation from the Texas Department XXXX XXXX and XXXX XXXX, and my latest tax return with my XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexus refuses to give me my credit report, or place a security freeze on my credit report. Even though I have requested it multiple times and provided proof of identity. My number XXXX, and my email is XXXX for contact.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX Bankruptcy Case Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : 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
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the recent update to my credit report, which I have thoroughly reviewed. Despite receiving an updated copy, I was surprised to discover persistent error and inaccuracy. This situation is particularly troubling for me, as I am currently facing challenges in securing a new line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, these unauthorized inquiries listed below continue to report on my credit report in violation of federal law. These inquiries must be deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these inquiries, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. 
Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

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

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX Wrong Name And Addresses. 

XXXX. XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX. XXXX XXXX XXXX AV XXXX, WA XXXX XXXX. XXXX XXXX XXXX XXXX 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 an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-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.