23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I signed a lease with XXXX on XX/XX/year> for a XXXX apartment. The apartment was infested with bugs. I complained to XXXX XXXX immediately. XXXX moved me to a XXXX bedroom. 

Maintenance men, entered my apartment without knocking or without my knowing that they were coming XXXX times. I emailed about the issue to no avail. I was XXXX on XXXX of the occasions. Also, I have a teenage daughter and decided to move my daughter with her father until I moved from the apartment due to the strange men constantly entering my apartment regularly. 

Upon moving into the two-bedroom apartment on XX/XX/year>, I noticed that the doorknob and lock on the security door located right outside of my apartment were broken. I submitted a maintenance request to have the doors lock repaired immediately ( as I would be living there alone as a single woman with my teenage daughter ). 

Maintenance came to fix the lock and doorknob ; however, Maintenance did not properly fix the issue. Someone broke into the door at least XXXX times from the time I moved into apartment on XX/XX/year> to XX/XX/year> when I moved out. The security door was never fixed properly and was in disrepair even up until the time that I moved. I submitted multiple work orders for the security door repair. 


There were piles of dog XXXX everywhere in the surrounding areas of my apartment. I stepped in dog XXXX in my expensive XXXX boots. My XXXX daughter could not practice her volleyball, and my golden doodle ( dog ) got sick from other dog 's XXXX. I did email management to no avail. 

I do not feel that I should have to pay the early termination fee. I had bought a vacant lot located at XXXX XXXX XXXX, Wyoming, MI XXXX, it was my intention to stay at the apartment in XXXX while I got a home built on the vacant lot. However, I ended up buying a home somewhere else and moved earlier than expected due to the conditions of the apartment community. I was never late on my rent. I paid the rent ahead and I would not have moved before XXXX months if the conditions were safe and habitable. 

I disputed the early termination fee by contacting XXXXXXXX XXXX I filed a complaint with the XXXX XXXX XXXX ( XXXX never responded ). I also filed a complaint with the Attorney General 's office to no avail due to XXXX not responding. XXXX sent the balance to a collection agency immediately, they refused to compromise even though they have proof from pictures and emails about the conditions. 

Please assist me with any information available to remove the early termination fees due to the living conditions. I have attached pictures, emails, screenshot of maintence requests, email to XXXXXXXX XXXX  - disputing the early lease termination fees and the complaints to XXXX and the Attorney General 's office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested that the incorrect information be removed from my credit report. They return letters to me stating the information has been verified but they show me know verification. The items are untrue and need to be removed from my credit report. This is resulting in poor credit and these items are not mine!
Product: Credit reporting or other personal consumer reports

Re : Request for Removal of Account Information Ally Financial Account Number : XXXX Dear XXXX I am writing to formally request the removal of a derogatory entry on my credit report related to an account with Ally Financial. This request is based on the recent judgment in the class action lawsuit against Ally Financial, which mandates the removal of derogatory information from consumers ' credit reports due to unfair practices and predatory lending. 

The relevant case is In re : Ally Financial Inc. Dealer Interest Rate Overcharges Litigation. The judgment issued in this case requires that any negative credit information associated with Ally Financial be removed from consumers ' credit reports as a result of the improper practices identified in the lawsuit. 

The details of the account are as follows : Creditor : Ally Financial Account Number : XXXX Original Account Status : Collection/Chargeoff Date Reported : XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute and request the removal of inaccurate or outdated information from my credit report. The removal of this account is in accordance with the courts ruling, which has deemed such information invalid due to the predatory nature of the lending practices involved. 

In light of the judgment and the provisions under the FCRA, I request that you promptly remove this account from my credit report. Please confirm in writing once this action has been completed. Additionally, I would appreciate a copy of my updated credit report reflecting these changes. 

Should you need any further information or documentation, please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX has harassed me since XXXX and has effected my credit score. This is a fraudulent account and charges generated by a XXXX XXXX employee. I no not have a XXXX XXXX account. The device purchased was paid for and the items were returned as shown in the attachment.
Product: Credit card or prepaid card

I checked my statement today with Synchrony Bank regarding my credit card through Mattress Firm. I noticed my credit limit was lowered from {$1000.00} to {$560.00} ( not sure how this amount was derived ). I have always met my minimum payment or paid more than the minimum on time since establishing credit with this company. The two major implications by lowering my available credit is : 1. By lowering my credit limit, my credit utilization for this account appear that I am utilizing 100 % instead of 50 % which negatively impacts my credit score.

2. By selecting a credit limit if {$560.00} ( amount seems odd as it is not standard ) once the company applies the forbear-ed interest that was part of a promotional offering brings my account balance over the new credit limit so the company can then charge fees for going over.

I could see the rationale of lowering someone's credit limit if they were not holding up their obligations through making on time payments of the minimum or more, but this is not the case. It appears the credit limit was lowered intentionally by negatively affecting my credit score and future applied fees. 

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

Bank of America, Your company has been falsely reportin g   XXXX    acco unts that are due to identity theft. A mortgage loan, home line of equity, and a personal credit card through your bank. I had started to dispute these items once i saw them on my credit report after obtaining credit after turning  XXXX  years old. As of   XX/XX/17 ,  Bank of America, has resolved my disputes against these claims of identity theft and has cleared them off my   XXXX   and   XXXX   report. These accounts are under a different name, with my  SSN,  opened years before I had turned  XXXX . BOA seems to have noticed the inaccuracies since they were deleted off  XXXX  CRA 's, but  XXXX  is still reporting. I disputed  the Line of Equity a nd Mortgage that remain on my  XXXX  credit file on   X/XX/17     only to be contacted by  BOA saying the accounts are accurate. When I call BOA the fraud line representative advises there are no accounts anymore with my SSN in the system. Which is why he advise I dispute, and the accounts should come off since they are not in the BOA system anymore. However, after I disputed again they 're verified somehow and being reported still as fradulent and whenever I dispute the claim comes back as " remains '' on report. I have sent in my police report, SSN, CA drivers license, and proof of identity. It seems BOA acknowledges that these accounts are not mine but will not remove them from reporting to  XXXX  only.  XXXX  advised me they have not received any updated reporting status to delete these accounts, and BOA is still reporting as OPEN.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report the following credit inquiries, which I did not initiate or authorize, despite my repeated attempts to bring this to their attention : -- XXXX, XX/XX/XXXX -- XXXX XXXX, XX/XX/XXXX -- XXXX  XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX -- XXXX, XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing all year round and trying to let the credit reports know that certain good accounts are closed due to fraudulent and that I did not closed any accounts that have good standing history, but it doesnt work in my favor. For example, my XXXX account that I used to work for XXXX  back in 1991, most valuable client member, one of my account number that is closed by thief and not by me, but the results are not to my favor, because its doesnt make sense that all of my good accounts are closed in the same year by me. Therefore, the investigation team is not really doing a good job. The second issue that I kept disputing is the wellsfargo  Home Mortgage over and over, but they rather go with the Wellsfargo Bank reporting instead of my disputing fraud reports, even the accounts number isnt accurate from whats my account number is. I kept getting the results back saying their investigation results are accurate and I dont know how they getting accurate information from? I am not being negative about the compliant, I am just trying to be honest from what I know with hard documentations and its my credit report so, I am trying my best to explain. I still have dispute to do, however, I am delay, because now I am homeless and I dont have a decent place and tools for my Identity Theft Victim Recovery process as I am about halfway through. I was asking to write a 100 words to explain and with documents attached to proof and I am just about to get there, however, I dont have any financial help yet. 
As far as Wells Fargo Home Mortgage is the same letters that I kept receiving every month are that they need more time to investigate and the second letter is that they keep saying that their investigation, they do not find any fraud loan from my concerns. The third letter is they keep giving changing to different accounts numbers and start to change to the accounts that I have no knowledge or idea what they are saying.
Product: Debt collection

National Credit System XXXX XXXX XXXX XXXX, GA XXXX has been sending me collection notices in the amount of ( {$10000.00} ) the collection has been reported as past due ( XX/XX/2018). I do not know this company. I have never done any business with this company. This company does not have a binding contract with my signature on it from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE REQUEST. THE COMPANY HAS 4 BUSINESS DAYS BY LAW TO REMOVE IDENTITY THEFT AND IT HAS BEEN WELL OVER THAT TIME.

Please read and respond. You are required to remove this instance of identity theft from the consumer report or provide the written acknowledgment and authorization provided by the consumer stating that they are opting into credit reporting at the time of signing up to this account. This authorization must have been clear and provided inconspicuously to the consumer. If you are unable to provide this acknowledgment and authorization by the consumer, or if it was not clear and conspicuous at the time of signing, then you must remove this account from their report. It has been over the four days given by law.

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transaction to be reported on my consumer report. I did not give Bank of America specific written permission or the right to share my personal, private financial information that the consumer reporting agencies have on record, and Bank of America did not provide me with clear and conspicuous written disclosure that specifically gave me my rights and options for opting out of credit reporting. Therefore my rights are being violated, my privacy is being violated. I am demanding that you follow the law and that you block and remove the account identified as being identity theft and that it be removed from my consumer reports immediately.

I am demanding that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transaction is not information related to any transaction by me as the consumer : BANK OF AMERICA | ACCOUNT # XXXX You are required to do what I am asking and block this transaction from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
Product: Debt collection

CEASE AND DESIST To Whom it May Concern ; This is in reference to the Consumer Report sent by your Company via mail dated While checking the above report, it came to my notice that your Company has furnished an account on my report. 
According to 15 USC 1692a ( 2 ), the term " Communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation " Any medium '' includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by the Company will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 
Pursuant to my rights as per 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. 
This includes but not limited to telephone calls, mails, social media, or any Consumer Reporting Agency. 
Any further contact by your Agent or Company, except a communication confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Product: Payday loan, title loan, or personal loan

I am a customer with Lender Loans at XXXX XXXX XXXX in XXXX SC. I fell behind in payments before and they sent my account to the magistrate office and tried to take me to court. But I had to beg my back for a XXXX loan to pay them so they could stop the charges on my. So on XX/XX/XXXX I had to be rushed to hospital for XXXX XXXX due to a XXXX XXXX I had and had to be admitted in for a few days and out of work for a minute. I sent this company a letter explaining my situation to them and ask them kindly to give me a break on the phone calls and the letters sent to me. Cause I am on bed rest and doctors want me to be stress free. And they have not stopped. I ended up putting them in call block to get them to stop on my end. After I don't scrap up XXXX to put towards the loan and stop the charges look like they would close my account. I am a single parent with a serious health issues and trying to live for my kids without debt killing me. I need help with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I there are still accounts were erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX Balance : {$74.00} XXXX  XXXX  XXXX Balance : {$16000.00} XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

I charged airline tickets to my card in the amount of {$6000.00}. I then closed the card. The airline issued a refund on the card. I called to get a check from the credit card company since my account was paid in full and had a positive balance. They told me that a check was issued. This check never arrived. I called again a month later, they said another check was issued. This also never came. I called after another month and they asked to speak to a supervisor ( XXXX ). They claimed a check would be sent in XXXX days. Approximately XXXX  months have passed and I have yet to receive a check.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX ) XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE WROTE THIS COMPANY SEVERAL TIMES ASKING THEM TO ADDRESS THESE ISSUES ON MY CREDIT REPORT. I FEEL AS IF IM BEING TAKING ADVANTAGE OF, I WROTE THEM MONTHS AGI AND STILL HAVE YET TO HEAR I REPLY I ASSURE TO THEM THAT THEY ARE IN VIOLATION OF 15 u.s code 3 1681a DEFINITION ; RULES OF CONSTRUCTION ( 3 ) RESTRICTIONS ON SHARING OF MEDICAL INFORMATION. EXCEPT FOR INFORMATION OR ANY COMMUNICATION OF INFORMATION DISCLOSED AS PROVIDED IN SECTION 1681B G ( 3 ) of this title, the exclusions in paragraph 2 shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is. ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( I ) Medical Information 1. Means information or data whether oral or recorded in any form or medium created by or derived from a health care provider or the consumer that relates to ( A ) the past, the present or future physical, mental or behavior health or condition of an individual ; ( B ) the provision of health care to an individual or ( C ) the payment for the provision of health care to an individual. ( 2 ) DOES NOT INCLUDE THE AGE OR GENDER OF A CONSUMER DEMOGRAPHIC INFORMATION INCLUDING A CONSUMER RESIDENCE ADDRESS OR EMAIL ADDRESS OR ANY OTHER INFORMATION ABOUT A CONSUMER THAT DOES NOT RELATE TO THE PHYSICAL MENTAL OR BEHAVIOR HEALTH OR CONDITION OF A CONSUMER INCLUDING THE EXISTENCE OR VALUE OF ANY INSURANCE POLICY, REMOVE THESE ACCOUNTS IMMEDIATELY.YOU HAVE VIOLATED MY RIGHTS AS A CONSUMER REMOVE THESE ACCOUNTS IMMEDIATELY
Product: Debt collection

They called my parents house and told my dad that I had debt and I needed to pay it if I didnt they would come to my work with a warrant for my arrest
Product: Debt collection

I demand under FCRA and FCDPA LAWS, VERIFICATION OF VALIDATION OF PAYMENT HISTORY DOCUMENTATION AND DATES & NOTORIZED DOCUMENTS OF RIGHTFUL OWNERSHIP OF XXXX XXXX XXXX OF ALLEGED ACCOUNT.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681, also known as the Fair Credit Reporting Act ( FCRA ), governs the access to consumer credit report records and how Credit Reporting Agencies ( CRAs ) collect and sell personal information. The FCRA 's purpose is to ensure that CRAs collect and use information in a fair and equitable way that protects consumers ' privacy and promotes accuracy. The FCRA includes several findings and requirements, including : Congressional findings The FCRA states that the banking system relies on accurate and fair credit reporting, and that inaccurate or unfair reporting can harm the banking system and public confidence. 
Subchapter requirements The FCRA requires CRAs to use information properly and ensure it's relevant. It also includes compliance procedures, such as requiring CRAs to follow reasonable procedures to ensure the accuracy of their reports, and to allow users of consumer reports to disclose the report 's contents to the consumer. 
I dispute and want this off my credit report.
Product: Credit reporting or other personal consumer reports

There are a few requests that i never requested and when I reached out no one got back to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I paid down payment using cash but was listed as credit Violations : USC 1605 ( A ) ( C )
Product: Debt collection

In XXXX XXXX I rcvd my first letter from XXXX XXXX XXXX Requesting Payment of Sams Club XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of two states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for Sam 's Club on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with XXXX for the last year on a previous debt which they also failed to validate as requested.