23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was a tenant at XXXX XXXX XXXX  for approximately four ( 4 ) years from on or around XX/XX/XXXX to XX/XX/XXXX. Sometime before that, disagreements between myself and the Management Company -- XXXX XXXX -- resulted in that Management Company deciding not to renew my lease and -- given that I wanted to leave anyway due to severe environmental problems/ AIRBORNE MOLD -- that I had became aware of -- I decided to leave the property without contesting the matter. Simply put, the " breakup was somewhat amicable '' and I left without any major disagreement between myself and XXXX XXXX XXXX. The morning that I was leaving, I gave said company my forwarding address and the keys to the apartment. The Property Manager told me she would have my security deposit sent to my new address. Since that time I have not seen any security deposit come to me. Management decided not to inspect the apartment despite having the time to do so, and I decided not to require management to inspect the apartment. My reason for this action is because management had been to my apartment on numerous occasions with various persons some purporting to be " inspectors and engineers '' -- and had seen the problems with the MOLD infestation inside the apartment. Now I have been sent a Collection Company letter where this management company is " attempting to collect a debt from me ''. There is no reason to be sending me a Collection Letter -- dated XX/XX/XXXX -- when I vacated the apartment on XX/XX/XXXX. At the time that I vacated the apartment, there was absolutely no damage to the apartment other than that done by the MOLD. 

The only possible reason that XXXX XXXX XXXX / XXXX XXXX could be seeking to pursue such action after more than two ( 2 ) months of me leaving is to " create a defense '' or at least " some smoke-screen '' to defend themselves in case I should pursue legal action for the airborne mold that I inhaled while a tenant at this housing complex. At this point in time, I wish to preserve my right in case it is determined that the mold caused damage as I had to seek medical attention from a XXXX  while a tenant at this housing complex. 

At this point I wish to demand that XXXX XXXX XXXX XXXX XXXX CEASE AND DECIST from any action such as sending me collection company letters or ANY form of legal action, action that is resulting from frivolous attempts to obtain some sort of protection as I informed this management company that since they had prior knowledge of this environment hazard, they should have informed me of it so I could decide whether I wanted to live there or not. There is no other reason for this or any other action by XXXX XXXX XXXX XXXX XXXX XXXX to sending me ANY form of legal letters or collection letters. Oh, and until now, I have not received my security deposit which was promised to me more than three ( 3 ) months ago.
Product: Credit reporting or other personal consumer reports

The account that was charged off is being inaccurately reported on my credit report. After multiple tries to dispute there were no changes made to the accuracy of the information. I settled the account on XX/XX/2024. The information being reported is stating I owe a balance. The original Lender has sent me a letter stating the account was settled and there is no balance owed. I provided that information to the credit reporting companies and the information is still inaccurate. That is a violation of my rights under the FCRA.
Product: Checking or savings account

I opened a new business banking account with XXXX. Part of the account creation was providing both proof of my business and proof of identity. As soon as I got my first payment for work completed, found froze my account and wouldn't let me access my funds, citing suspicious activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT AUTHORIZE THOSE INQUIRIES ON MY CREDIT REPORT. PLEASE HAVE THEM REMOVED OFF MY FILE.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX XXXX XXXXXXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment was made within the 15-day grace period : The payment due in XX/XX/XXXX was made on time, which falls within the 15-day grace period offered by the creditor. The payment should not have been reported as 30 days late. 
Clerical error by XXXX XXXX XXXX payment was processed on time, but due to a clerical error by the creditor, it was incorrectly reported as late. This was a system error that falsely flagged the account as past due. 
Evidence Provided : I have attached bank statements and confirmation emails showing that the payment was made and processed on time, demonstrating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
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 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

We currently have a Loan Forebearance with Rushmore Mortgage which was established via the Loss Mitigation Department through XXXX Mortgage and they are constantly harassing us on a monthly basis by continually sending a Loss Mitigation Packet! We have already been approved for Loss Mitigation and I have also spoken to the PoC in XX/XX/XXXX regarding our Forebearance which she finally acknowledged goes through XX/XX/XXXX. Therefore, we should not constantly receive a Loss Mitigation Packet Every Month! We should only receive the statement of account regarding monthly balance owed to ensure we have the same accounting/reconciliation of account. We also should not be receiving Notices Placed on our Front Door from Rushmore Mortgage Servicing, since we are currently in a Valid And Approved Loan Forebearance Agreement! Pleases stop harrassing us as if we have done nothing to remedy our Mortgage Account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX In accordance to FCRA ( 1970 ) 15 U.S.C.1681 and CFPB. My latest credit inquIries are showing excessive amount of inquiries that I did not authorize.

15 U.S.C. 1681 section 602 A States I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report number XXXX Date Generated XX/XX/2023 by Experian. After reviewing my credit report, I found two inaccurate address on my account that do not belong to me. I have informed Experian twice of the mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wrong records on my credit report. 
Things keep appearing and Im not aware of them.
Product: Consumer Loan

I leased a vehicle through Ally Financial. Immediately upon leasing the vehicle I turned on the auto pay feature through Ally 's website to play the bill in full every month, Subsequent to that, the sales tax increased, increasing the amount due on the bill. However, Ally never informed me of the increase nor changed the amount the automatic payment feature offered by their website paid. So now, a year and a half later when I am getting ready to turn the vehicle in, I am finally informed that their is a past due balance. Ally will not give me any information on any penalties or interest charge to me due to this error in how there system is set up nor will they provide an answer on if this has impacted my credit scores.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your immediate assistance in investigating this matter to ensure my rights are protected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates : about XXXX XXXX. 
Amounts : {$440.00} Actions : 1. On XX/XX/XXXX. I placed an order of {$790.00} on-line of Bestbuy with Bestbuy Citibank Credit Card. 
2. I returned some products in the order, the value {$440.00}, to the Bestbuy Store in XXXX, WI right after I received them. 
3. On XX/XX/XXXX, I got the credit card bill statement but I found {$440.00} is still on the bill. I paid off the bill which I kept the rest of the order, and I contacted CITIBANK and Bestbuy to communicate with the wrong bill. 
4. Citibank said it knew nothing about it. Bestbuy admited it had received the returning products but the refund was supending. I spent almost three hours in communicating with Citibank and Bestbuy. They didn't give me any solution. I was disconnected on the phone eventually. 
5. By the above experience, I realized it is really hard for me to get connection to them. So I have to wait for the next bill and I guess they will sovle the problem soon. 
6. In XXXX, I got a call from Citibank and I was told I had a bill past due. I realized it is still the problem from the refund because I have never used the Bestbuy Citibank Credit Card since the beginning of XXXX. I talked to the service and told her what had happened. She said she could see my complaint for them in XXXX. Then, the phone was interrupted again. 
7. In XXXX, I found in my credit report there is a " delinquent '' of {$61.00}. I knew it came from the event above. Then I called Citibank Credit Card service and also talked to Bestbuy customer service. I was told by Bestbuy : 1 ) Service center had contacted the store in XXXX and it was verified the products were returned in XXXX of XXXX ; 2 ) However, the store didn't refund money back to the on-line shopping department. To be honest, I was confused with what I was told. Then, the service representative told me she can suspend that transaction and I have to wait. By now, no one solves this problem. At the end of XXXX, I have to pay {$150.00} of the minimum for the credit card bill in order to get rid of my bad record. I want them to return money back and give me some compensation. Meanwhile, they can fix my credit score. 
8. I want to complain for what they have done and how they made my credit score into " delinquent ''.
Product: Credit reporting or other personal consumer reports

I have disputed information several times and each time my credit report gets updated with meets FCRA requirements, consumer disagrees Its not a disagreement if it is illegal. 

15 U.S.C 1681-Congressional findings and statement of purpose a. ) Accuracy and farness of credit reporting -Congress makes the following findings : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 

Privacy act of 1974 ( XXXX XXXX XXXX ) safeguards against unwarranted invasions of privacy by establishing a code of " fair information practices '' under 5 U.S.C 522a, anyone who knowingly and willingly requests or obtains any record concerning an individual from an agency under false pretense shall be guilty. 
failure to comply with any provision of this Section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual ; the individual XXXX bring a civil action against the agency and the district courts of the united states shall have jurisdiction in the matters under this provisions of this subsection. 

XXXX U.SC. XXXX with respect to disclosures of personal information a financial institution XXXX not, directly, or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information-unless a financial institution clearly and conspicuously discloses to the consumer in writing or via electronic form or other form permitted by the regulations prescribed under this subsection XXXX of this title. 

according to the IRS a charge off is considered a certificate of indebtedness, which means it is income it must be removed. 

The law also states it is illegal to report transaction history. All hard, soft and promotional inquiries must be removed. 

failure to delete the disputed will result in a report to FTC for identity theft and legal action
Product: Debt collection

I am a victim of identity of fraud and or identity theft.This account was opened and made by someone else pretending to be me. I did not authorize or used or benefited from the opening of this account that I'm disputing it needs to be removed immediately and updated on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea what this is for. This account shows opened in XXXX but it has never appeared on any previous reports until this XXXX How can this be accurate information? No date of last active no date of last payment, but it showed disputed which shows proof they received my letter. 
There was a letter sent to both the bureau XXXX XXXX XXXX XXXX and to Wakefield & Assoc.
Product: Money transfer, virtual currency, or money service

We closed on the sale of our house on XX/XX/XXXX. The funds were to be wired to my Ally Bank savings account. The transfer was rejected due to the account being in my name and funds transferred in both my and my wifes name. They rejected the transfer on XX/XX/XXXX. We expected/assumed that the funds would be back in the title company account in XXXX hours. On XX/XX/XXXX, I called the title company to see if the funds were present. I was directed to Ally Bank as they would have record of the rejection and tracking number to trace the funds transfer. I called Ally Bank on XX/XX/XXXX, XX/XX/XXXX and XXXX as the funds had not been returned. Each time I spoke to a representative and to a supervisor about getting some record or the transfer and specifically a federal transfer number. In XX/XX/XXXX, I was told that they had no record and would have to reach out to title company bank. On XX/XX/XXXX I spoke to a supervisor and representative. This time is was given the federal tracking number for the incoming wire, but no the outgoing. The supervisor told me that there was no way to track or record the outgoing wire. They recommended a service inquiry. On XXXX, I spoke to a representative who gave my a XXXX digit number that incorporated some of the proper digits, but was too long. When I called later in the day to speak to a supervisor, she told me that there was no way to verify or track out going wires and that there would be no outgoing federal tracking number. I asked multiple times to speak to a banker or someone with more knowledge, or even a conduit so that the banks could communicate with each other. I was again told that the service telephone was the only way, but that it would be the same process.
Product: Credit reporting

Macy 's is illegally re-aging an account lasted used in XX/XX/XXXX on my credit report and reporting to all reporting agency that the account is late. They are also reporting falsified payments to bring account up-to-date. They also used an falsified date of my lpusage being in XX/XX/XXXX when I have proof last usage occurred in XX/XX/XXXX. Also, the account was bought by XXXX and has been legally deleted with them.
Product: Student loan

I have had a loan with XXXX XXXX - Navient since XX/XX/XXXX. There were times in there was in a low paying job I was never offered income based repayment they just kept stacking up charges on me. 

I looked on XX/XX/XXXX I have already paid over half the principal on one of the accouts, but still owe more than half of the principle on that account do n't understand why still owe more than half when I have already paid more than half. I have had this account for over 13 years now and was told to get forgiveness. I would have to take out another loan and stay over again and pay for 10 more years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice multiple inquiries from unknown sources on my credit report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX Balance : {$1000.00} & XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX XXXX were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my XXXX contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Product: Credit card

To Whom It May Concern, I am filing a formal complaint regarding fraudulent charges made by a travel agency called XXXX XXXX  and my bank, Wells Fargo, has refused to refund me despite the clear evidence and my repeated attempts to resolve the matter. 

On XX/XX/year>, I spoke with an agent named XXXXXXXX XXXX XXXX XXXX ( phone number : XXXX ) who sold me XXXXXXXX XXXX XXXX from the XXXX XXXX XXXXXXXX for my parents. I paid {$5300.00}, which included {$830.00} for travel protection insurance. I was refunded {$3700.00} from XXXX on XX/XX/year> ( they kept {$1500.00} of the original {$5300.00} purchase price ). 

The policy explicitly stated : Change for Any Reason : Change your flight anytime before departure, no questions asked. 100 % of original ticket cost covered. 

XXXX XXXX XXXX : {$0.00} agency fees for any changes, cancellations, or refunds. 

On XX/XX/year>, the same agent sold me another ticket for my husband for {$3600.00}, which also included {$560.00} for ticket protection. I was refunded {$2600.00} from XXXX XXXX on XX/XX/year> for that ticket. ( they kept {$950.00} of the original {$3600.00} purchase price ) On XX/XX/year>, I contacted XXXX  to cancel the XXXX flights due to extremely hazardous air pollution in XXXX, which posed serious health risks to my family, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX I requested to reroute the tickets to XXXX, but instead of honoring the travel protection policy or offering credit, I was charged again for new tickets. I paid additional money without any refund or credit for the original bookings. 

These cancellations were due to a natural disaster ( hazardous pollution ) completely beyond my control. I believe XXXX XXXX  misrepresented their services and acted fraudulently. 

I disputed the charges with my credit card issuers : XXXXXXXX XXXX refunded me for the charges made on their card. 

Wells Fargo refunded the money to me on XX/XX/XXXX ( a total of {$2500.00} owed to me between both charges ), however upon investigation, they reversed that refund on XX/XX/XXXX and have refused to return the money to me, despite the same documentation and explanation. 

I am requesting that the CFPB intervene to help me secure a refund from Wells Fargo, just as XXXX has already done. 

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

These are not my accounts. Not sure who's they are. Please remove them.
Product: Debt collection

XXXX XXXX XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$830.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting

I have never gone by the name XXXX XXXX XXXX.