23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXXI was a XXXX  at college and wanted to move off campus for the XX/XX/XXXXyear. I found these apartments and me and a group of friends went to tour the apartment. The tour guide offered us interest papers to sign to hold our place but in no clear terms did she mention we were signing over our right to that apartment complex. Because I was an early age of XXXX I had no proof of income and no credit so I needed a guarantor to be qualified to move in. My guarantor declined my request which resulted in me not moving in. A couple of months later I get a collections call saying I owe the apartments complex almost XXXX XXXX dollars. I was never notified of this, I was never offered room keys, and as far as I knew my application was never suppose to be processed because it was incomplete due to my missing guarantors signature. I have had to suffer for the last 3 years because of this. I was homeless for about a month because an apartment complex I never lived in. This is not right, then to make things worse, Ive come to find out my room that I had planned to move in was subleased out during the semester, so how can two people lease out the same 1 bed room apartment. This has blocked me from getting my first car in my name, I can not get support from banks, I also have trouble finding my own place to live in my name because of this. I literally have to depend on others now because to everyone else I'm not dependable because of an apartment complex who wanted to get over on a uninformed college student. I have been dealing with this for 3 years and I still have 4 more years of torture to go, so at this point all I'm asking for is help on how to get out of this quicksand situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

***Note**** This is my second complaint in this manner and this is completely unacceptable. It too XXXX all of 56 days to determine they can not proceed with this complaint due to a 3rd party unauthorized. I called CFPB first to figure out who is the 3rd party unauthorized and was advised to notify XXXX. 

It turns out that file a CFPB complaint is not accepted in XXXX, as CFPB is an unauthorized complaint. Which I knew was wrong as CFPB regulates XXXX. Then it get better, I'm not allow to submit a dispute over to XXXX  only the creditor can remove the information from the credit file. The letter that I have been forwarding over for over a year is invalid and needs to be sent directly from Chase. According to the FCRA, I can dispute any inaccurate information on my credit file and the credit reporting agency will need 30 days to investigate the dispute. What is happening, the credit reporting agency is not disputing any information. What they are doing is waiting until the last minute either to send a letter stating more information like a drivers license and 2 copies of your billing address or wait until the last day to say the dispute has been verfied. When you put things together to verfiy with the creditor, it turns out the credit reporting agency is not even submitted or investigating the inaccurate information on the credit file. 


I have a credit reporting monitoring service that alerted me that someone attempted to obtain credit in my name. Upon contacting Chase to cancel the card and any charges, they immediately conducting an investigation. On XX/XX/XXXX I received a letter stating that they have sent a letter to XXXX and XXXX to remove the inquiry dated XX/XX/XXXX. As of XX/XX/XXXX the inquiry has still remained on the credit file after sending numerous disputes to XXXX and XXXX with them stating the inquiry will remain on the credit file. It just goes to show they are not reviewing the disputes that you submit, because it is clear as day with a letter from Chase to remove the inquiry from the credit file. I know the same stroy line, you didn't receive the letter or documents, but your quick to mark items as frivoulous to avoid reviewing the dispute accurately. According to the FTC, you have to review all disputes within 30 days upon receipt, your gimmick that is widely used is to submit an updated bill or drivers license in order to review the dispute. It gets old, all 3 companies need a traning in Ethics 101.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was 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. 
XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

PHH mortgage was Ocwen in XX/XX/XXXX. My mortgage was at the end of its 15 year term so I refinanced with them to get my ex husbands name off, another 15 years and to get caught up with back payments. I got approved in XX/XX/XXXX and they sent me {$70.00} back because I overpaid. Then immediately after they turned into phh mortgage. Thats where the real nightmare began. I couldnt reach anyone after multiple attempts to call them. The customer service people I talked with wouldnt tell me how to get online to pay because they said I was in bankruptcy. That was in correct. They put my name back to XXXX  and sent my ex husband demanding letters as well when he is no longer on the mortgage. In XX/XX/XXXX they sent me a letter saying if I didnt pay {$4700.00} and something before the XXXX my house would be up for auction. We paid the money. Not even three weeks later my house is up for auction! They said i owed {$4300.00} from XX/XX/XXXX ( false I paid it in XX/XX/XXXX ) and ocwen would have never refinced me or sent me  back money because I over paid! And they said they put my house up for auction because I didnt make the XX/XX/XXXX payment. Wrong again! I filed with nh banking commission and they said they closed the case because they straightened out my name and bankruptcy however the major issue is where is my {$9000.00} and why is my house up for auction??!!
Product: Debt collection

On XX/XX/2020, I file a complaint with the Consumer Financial Protection Bureau ( Complaint Number XXXX ) concerning my closed credit card account with Capital One Bank. On XX/XX/2020, XXXX XXXX notified me that Capital One filed a negative report with XXXX and has reported me to a collections agency. Today 's date, I filed a dispute with XXXX. 

Rather than trying to resolve my dispute, Capital One has taken adverse action against my credit rating in retaliation for the complaint I filed with the Consumer Financial Protection Bureau on XX/XX/2020.
Product: Money transfer, virtual currency, or money service

I have a Cash App account and opened a family account for my minor child. For some reason my childs account was deactivated and they were not able to access their {$85.00}. When contacting support they were told that I ( the account holder ) needed to contact them. I contacted them on XXXX and was told that I had to send in proof of residency. I uploaded that information on XXXX  and then I was told that my case was escalated to the appropriate team. They said that I would be emailed with an update. Since then I have contacted them numerous times ( XXXX XXXX XXXX XXXX XXXX XXXX and just get told the same thing, that I need to be patient and that my case has been escalated to the appropriate team. That I would be contacted in 10 days but as you can see it has been well over the 10 days and is fast approaching 30 days with no contact or update.
Product: Credit reporting or other personal consumer reports

Ok something has to be done. After this complaint XXXX going to XXXX. I have gotten several messages from Experian saying they didnt know what my disputes were about. Than later I get results back from my dispute. They were from Experian I guess because I didnt dispute any addresses I thought they were the two medical disputes that I have been waiting on and should be back. I noticed it also said I made 2 disputes today. I knew I didnt and took a look. They were the XXXX XXXX XXXX that I been waiting on. Experian made up an address dispute and re did my collection disputes starting it over. For one I would say this is highly illegal and want an investigation done into this and see who has done it because I didnt dispute dispute any address weeks ago that was the collections Im waiting and have complaints about here and XXXX  federal laws have been broken along with my rights. Now this Im assuming are XXXX acts. I would like to know what did they put in the disputes today. This should not be aloud to happen. The messages I got back today I knew they are willing to go far but this is insanity.please dont delete these documents look at both XXXXXXXX XXXX XXXX dispute dates. They are saying I disputed them today. No no. I was waiting on them to come back anytime I did not disputes what so ever today. Now look at the XXXX disputes that did come back today. XXXX different address disputes that I didnt do. Please whom ever did this must be arrested this is highly illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a collection showed up on my credit report from XXXX XXXX and upon asking for the original contract a week prior and being unable to provide my wet signature stating I am indebted to XXXX XXXX they were unable to send me sufficient documentation and unable to validate the debt. Its been disputed but XXXX had no authority to sell my information to a third party ( XXXX XXXX ) and my right to privacy has been violated under 15 U.S. Code 1681 604a also the account numbers provided by are different between XXXX and Transunion
Product: Credit reporting, credit repair services, or other personal consumer reports

I do n't have any judgement in XXXX, XXXX in the amount of {$3300.00} as stated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached and FTC report with a collection and inquiries that were not authorized by myself and have nothing to do with me. All Transunion has been doing is stalling and its a violation of the FCRA
Product: Credit reporting or other personal consumer reports

I have been in communication with XXXX XXXX for several weeks now, about the balance of my account reporting inaccurately on my credit reports in all XXXX credit bureaus, XXXX, Equifax, and XXXX, and how it has been negatively impacting my ability to qualify for credit and being detrimental to my quality of life. 

They have refused to communicate effectively with me by phone or by email, and have been trying to put the responsibility off on the credit reporting agencies rather than accurately changing their reporting data. 

Their contact information is as follows. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX I have closed my accounts with them, and I am asking that their account does not report to my credit report on any of the XXXX bureaus and be removed immediately, please! 

Thank you!
Product: Vehicle loan or lease

During the purchase of my daughters vehicle XX/XX/XXXX we purchased an extended warranty for {$1500.00}. We believed that the warranty would protect her for an additional XXXX miles over the manufacturer warranty of XXXX or until 84 months which ever occurred first. Upon reviewing the documents in more detail we realized there must be an error on the paperwork as the vehicle would only be covered to XXXX miles giving us only XXXX additional miles over the original manufacturer warranty. We never used the warranty not even once. The vehicle is now according to the paperwork out of warranty. We feel that there had to be an error as it would have been an extraordinary large sum of money to pay {$1500.00} to only gain XXXX miles of coverage. As a point of reference I purchased an extended warranty on my XXXX XXXX  on a separate policy when I was at close to XXXX miles and gained XXXX miles of coverage on that plan. It does not make sense that we would not have gained coverage on the XXXX XXXX to XXXX miles or 84 months. I called the dealership and spoke with XXXX in finance, He stated there was nothing he could do at this point as the vehicle warranty is expired. He apologized for any past misrepresentations and stated that they are more transparent with their clients now. I feel like we were definitely taken advantage of if this was in fact intentional and not a mistake. We signed so many documents during the sale and the officer doing the paperwork was  very convincing. We trusted him. We are very disappointed at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notification of a collection from XXXX alerts. The notification indicated that I had a collections account from Medical Data Systems for {$200.00} dollars for a hospital visit covered by insurance for my daughter. 

The account and I had not received notice of a existing balance with Medical Data Systems. 

The account was paid as agreed and is still listed on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

to whom may help, I have attempted to fix this problem without a positive result. I tried to do the right thing and payoff my charged off debts. I was told they were going to be deleted but it did not happen. Please help, this is stopping me from getting proper housing for my family due to payment history. Please see attached. 
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have 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

I have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( Bankruptcy and ( 2 ) Untitled Medical Collections ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature.Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : ''
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions.- -Except as provided in paragraph the term " consumer report '' does not include- any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : 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. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX  XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

This company, McNeil & Meyers Receivables Management Group LLC of XXXX LA alleges I owe a company {$2000.00} for some service that was never rendered to me. They were representing a creditor who I have worked with in the past but due to them not actually performing their obligations to me, stopped paying. The collection company refuses to prove how they actually acquired this debt or how they came up with the number owed. 

Today on XX/XX/2023, I wrote to the company and their managing partner XXXX XXXX as above explaining that I do not owe anything to the creditor they are servicing on until they actually get the documentation proving that I am the signatory on the debt and a clear accounting of the debt. They refuse to give me anything as they said " we are merely a servicer '' which is vague. 

In the last email, the person who I was communicating with, I offered a settlement of {$100.00} even though I owe XXXX to the creditor to get them off my back and they refuse to discuss anything other than they will continue to report erroneous information to the credit bureaus and deliberately harm my reputation. They continue to behave like a child over this matter and I want to speak to a competent functioning adult who will treat me with respect.
Product: Credit reporting or other personal consumer reports

Im reporting these accounts on my credit report with XXXX. 
I have disputed this account numerous of times and EXPERIAN has refused to remove the INACCURATE information from my credit report. I have valid proof that have violated my consumer rights. I have attached 2 pages of the disputes a showing INACCURATE from EXPERIAN. If the information has been deemed found to be INACCURATE by LAW, It has to DELETED from consumers report. Per 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
I exercise my RIGHTS to have these Items DELETED IMMEDIATELY. If you dont DELETE SAID ACCOUNTS in 5 business days. You will be in violation of law according to 15 U.S. Code 1681n - Civil liability for willful noncompliance. 
( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a state " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am again revoking any permissions given verbal, nonverbal, written, unwritten, implied or otherwise.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of certain accounts and inquiries from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to prevent further misuse of my personal information. 
Accounts to Be Blocked and Deleted : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX/XXXX  - XXXX - XX/XX/XXXX - {$00.00} Inquiries to Be Blocked and Deleted : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Debt collection

Debt is from Cash Call and is sold to XXXX XXXX XXXX XXXX The information they are providing does n't match anything that I 've done. Date of loan is XXXX XXXX XXXX and amount is {$5000.00}. They are trying to collect {$15000.00} and has garnish my pay. I 've ask many questions, they can not answer and told me all that matters is there 's a judgement against me. All the information provided by this company does n't match including my pay stub, cable bill. I 've never bought or got service from XXXX, the pay stub said I worked for a company that I didnt. I called the companies and verified everything.
Product: Consumer Loan

I borrowed {$600.00} from XXXX XXXX and repaid almost {$800.00} in prinicipal interest and fees. They are now claiming that I owe an additional $ XXXX+ in fees and I believe it is unfair practices and predatory to require these additional monies.
Product: Debt collection

Please Clean My Name Credit and for XXXX XXXX, XXXX XXXX, XXXX XXXX My phone number is XXXX XXXX my email XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX documents XXXX XXXX XXXX and XXXX Thanks