23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented an apartment and lived there for approximately 5 years. When I moved out in XXXX of 2014, I did a walk through with the Manager, XXXX, at XXXX XXXX XXXX. She said everything looked great and I didnt owe anything. Now, six years later, Im applying for a mortgage and a debt from the apartment says I owe {$2000.00} for pet damages. I never had a pet. I called the apartment office and they said all of the records were taken by the previous management company. They gave me the name of XXXX XXXX who apparently ran the complex while I was there. The said the records were all left at the apartment. Finally, I called the collection agency and they told me to pay the debt and they would remove it from my records. I told him that I still had no written copy of why I owed money. I spoke with XXXX XXXX at National Credit Systems , Inc . He sent me a copy of an apartment move out checklist dated two and a half months after I moved out and not signed by me or the apartment manager. It says I owe {$2000.00} for pet damages. I never had a pet and my lease shows that. In addition, I have a witness who lived there at the time that said after we moved out, apartment employees lived there with pets. I have truly tried to resolve this.
Product: Debt collection

On XX/XX/2022 I wrote Bridge Lending Solutions to request that they stop collection efforts unless to inform me that a specific action is to take place. Instead, they have sent repeated emails, called numerous times, and each message is the same : " We have an important business matter ... '' Now, even after I sent a Revocation of Authority to Contact Third Parties they are calling a friend of mine and harassing her. Her name is XXXX XXXX and she was contacted by Bridge Lending Solutions around XXXX XXXX  PST on XX/XX/2022. Specifically, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. They left her a voicemail and called her twice back to back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Per complaint id : XXXX Cross Country Mortgage is responsible for paying the property tax bill on my account. I contribute money to an escrow account with them for this purpose. It was discovered on XX/XX/XXXX that Cross Country Mortgage was delinquent on paying a tax bill that was due on XX/XX/XXXX. As of today, XX/XX/XXXX, they still have not paid the tax bill which is now past 90 days. I have contacted Cross Country Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX. Despite all assurances they would pay the bill and the associated late fees, they still have not. Additionally, I sold the property on XX/XX/XXXX and closed the account. They are currently holding my escrow money ( approximately {$8500.00} ) and can not confirm whether or not they will pay the tax bill. They state again that it will be several days to process anything and can not give me a direct line of someone that can follow through. 

Update : XX/XX/XXXX I finally received the escrow money from Cross Country Mortgage and paid the taxes. However, I was promised reimbursement for the fines and my requests are being ignored. I followed up with the necessary evidence per the letter I received. The letter stated " submit proof of payment to our offices to request the reimbursement of any penalty fees paid. '' I submitted the proof of payment on XX/XX/XXXX and a detailed e-mail. I received no response from XXXX Mortgage. I called them today ( XX/XX/XXXX ) and they are now stating they need a signed letter from myself requesting the funds. This was never stated in any written or verbal communications with them. This is now delaying the process even further. I have submitted the signed letter today, but am told it will take at least another 15 days to resolve. This is on top of the 13 days I have already waited after submitting what was originally requested as the necessary documentation. 

I am opening another complaint in hopes that CFPB can help to resolve this issue.
Product: Student loan

On XX/XX/XXXX received a letter stating my payments were postponed. Letter attached On XX/XX/XXXX they request income verification. Letter attached XXXX they sent a notice of " income driven repayment annual notice '' showing {$25.00} as my monthly payment. Letter attached On XX/XX/XXXX they sent another notice of " income driven repayment annual notice '' showing {$54.00} as my monthly payment. Letter attached. 

I am not sure what is happening and it is impossible to talk to these guys. Very misleading and confusing information and now I have an overdue amount.
Product: Credit reporting or other personal consumer reports

I want reported accounts removed XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX {$440.00} The XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$370.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$130.00} I want late payments removed for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX public records listed on me credit report with Equifax. I have requested that information be verified that it belongs to me. After multiple reply from Equifax indicating that they have verified the information. Which turns out to be not correct at all. I contacted the courts that reported the information. The information is not correct as well as I was told by court that it is against there policy to verify any accounts by phone or mail. The only way to verify account is go to court records in person. Equifax has not done this and should not be reporting the information because I have asked for proof of ownership. and required by law they need to provide. They have not verified the information in any way. No rep of equifax has been to courts. This should be removed from my credit file ASAP. They are breaking the law and things need to change.
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries I've recently checked my credit report and noticed some inaccurate accounts reporting.
Product: Credit reporting

Experian is reporting   XXXX   XXXX   XXXX   XXXX   Acct #  XXXX  from     XXXX   on my credit. This is account is  XXXX   XXXX   XXXX  and I am no longer liable for this account. This account is too old to be on my report and should be remove immediately. I have sent  three  written requests to Experian which have been ignored.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant XXXX to my financial reputation and XXXX. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Credit reporting or other personal consumer reports

These accounts are charged off and i have yet to receive a XXXX from these accounts so i can report them to the XXXX. I did not give any type of consent to report these accounts 15 USC 1681b ( 2 )
Product: Credit reporting or other personal consumer reports

Companys are misusing my credit report without my consent I believe they r stealing my information and selling to others I need theses items dispute and remove totally off my credit report under false information without any proof provided by me thats was unauthorized by me Like inquirys and any debt collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Due to the overwhelming number of cars flooded during Hurricane Ida, XXXX was not able to get the part for my vehicle for a flood repair under insurance for several months. From XX/XX/XXXX, XXXX XXXX was covering the charges for the rental. On the rental contract from XX/XX/XXXX, XXXX XXXX, 2022, I provided the following to Capital One : 1 ) The communication from XXXX that the rental would be covered by them, 2 ) The receipt showing that XXXX was the Bill-to party and not me, 3 ) The same receipt showing that the bill was also being paid by insurance. Instead of billing XXXX XXXX for any balances, XXXX billed my Capital One credit card. I responded to a request to show that the charge was not mine with proof that this balance was already billed to and paid for by XXXX XXXX and XXXX and that my credit card appeared nowhere on the receipt. Capital One denied my claim and closed it. Claim # XXXX Capital One asserts I didn't send them what they asked for and I absolutely did. See attached.
Product: Mortgage

I currently have a Mortgage with Truist Bank, formerly Sun Trust bank, towards which I have made extra Principal payments. The bank does not correctly apply my Principal payments but instead treats them a standard payment, dividing it between Principle, interest and escrow. When I have identified these problems they say the machine can't pickup that the payment form is marked as a Principal payment so it applies the payment as a normal monthly payment regardless of the amount. I've asked to them correct these errors multiple times and to send a listing of my payments so I can see if they applied the payments correctly. The information format they send is a garbled mess and has entries of certain amounts being swapped from they internal accounts supposedly to my account but not for the amounts I've paid. I've asked for a simpler format that shows each of my payments and how it was distributed, but they refuse to do so. 

I sent in a payment in XXXX that was not correctly applied. I told them about it and they said they would correct it. When I got the XXXX statement, it did not show the correction because the XXXX statement, prepared XX/XX/2022, was before they received my XXXX principle payment. They told me because of the preparation date I would see the adjusted principal payment on the XXXX statement, prepare on XX/XX/2022. The XXXX statement does not show a single Principal payment but shows part of the payment as a negative Payment Adjustment in the Principal category and a second entry described as Unapplied Funds credited to a Fees/Other category. This statement does not show me the full amount of my payment being applied to Principal. Therefore, I have no way of knowing if the Principal payment was credited properly or went into their coffers as interest and escrow or fees. 

Your help to rectify this situation would be greatly appreciated. And advice of any actions I might take would also be helpful.
Product: Mortgage

my modification was not handled correctly and I have made a complaint however  XXXX   XXXX   XXXX  FROM  CITI MORTGAGE EXECUTIVE DIV ISION DID NOT ADDRESS ANY OF MY DISPUTES THIS IS THE 2nd complaint to case #  XXXX  i w ill attach my requestes of the process of the modification and the guidelines of each clause I have asked numerous times and response to the police reports in which my foreclosure was made public by  citi mortgage hiring of 2 real  estate / appraisel companys also how  XXXX   XXXX   came about the decision that I was not treated however he never answers the direct question please read the attac hed files
Product: Credit reporting or other personal consumer reports

XXXX  XXXX # XXXX XXXX XXXX XXXX On XX/XX/XXXX I asked you to investigate the inaccuracies on this account. You did not fix the inaccuracies in that investigation. So, on XX/XX/XXXX I asked you to re-investigate this account and fix the inaccuracies. After your re-investigation, you still failed to fix the inaccuracies on this account. After your re-investigation this account still shows charged off every month from XX/XX/XXXX until XX/XX/XXXX. An account can only be charged off one time, not 16 times. This is highly injurious to my credit, it undermines the faith in the credit reporting system, and against the FCRA statutes. I am demanding a deletion of this account. Failure to comply with this demand within the specified timeframe will leave me no choice but to pursue legal remedies, which may include filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking damages through litigation. I look forward to your prompt response and resolution of this matter. Please confirm receipt of this letter and provide a written response outlining the steps you are taking to address this issue.
Product: Debt collection

I am writing to bring to your attention a concerning matter regarding my credit file. I have noticed a collection entry from your agency, which has caught my attention as I was not previously informed about this alleged debt collection. Furthermore, I have serious doubts about the accuracy and validity of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of this debt. Thus, I kindly request that you provide me with the required validation information and take appropriate actions to properly address this issue.
Product: Debt collection

I am receiving threatening phone calls from a, Vocation Specialist, XXXX XXXX that was intended for my ex-sister-in-law, with whom I haven't spoken to in a long time, on XX/XX/XXXX, XXXX and XXXX. My voicemail clearly states my name and it isn't remotely close to my ex sister-in-law 's, we don't even have the same last name. I find it very disturbing that this company has my phone number and is calling me over and over knowing that I am not who they are trying to reach. I called the phone number that was left on my voicemail and it is for a company called KP Asset Consulting and I spoke to XXXX XXXX and she informed me that I was in my ex-sister-in-law 's folder as a potential family member or someone who might know her. I asked XXXX how she got my phone number since I know my ex-sister-in-law didn't give it to them and she stated she didn't know because her company only handles the paperwork. XXXX informed me that she would take my name off my ex-sister-in-law 's file and would inform whoever is in power that XXXX XXXX, whom I found out from XXXX is with a company called XXXX XXXX XXXX, was making threatening phone calls. I also informed her that XXXX XXXX calling me was illegal and that they could be sued and she again reiterated that they only handle the paperwork on her end and I asked her if that was the case why was their number given out instead of XXXX XXXX 's and she said it was because Vocation Specialist can't give out their personal information. I find it very interesting that they can call me regarding what should be a private issue between my ex-sister-in-law and them but they can't give our their private numbers. These companies have put me in a awkward position because I had to call me ex-sister-in-law about something that she probably finds embarrassing and which is frankly none of my business.
Product: Debt collection

I don't recall having a contractual relationship with NATIONAL CREDIT SYSTEM Account Number : XXXX.
Product: Mortgage

I just cant understand this company has to come eith differents regulations now they said according to Respa they think people never will try to investigated like me I will send you a break-down of chargers that you told them to apply to client like me
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of identity theft directly linked to the XXXX data breach, which compromised my personal information and has severely impacted my credit standing. My credit report now reflects multiple fraudulent accounts and unauthorized hard inquiries, leading to a significant decrease in my XXXX credit scores. 
Enclosed with this letter is documentation from XXXX confirming that my information was compromised in the breach. I formally request the immediate removal of these fraudulent accounts and hard inquiries from my XXXX and XXXX credit reports. XXXX has already removed these items, and I expect similar action from XXXX and XXXX. To substantiate my claim, I am including an FTC Identity Theft Affidavit and other relevant identification documents. Under Section 605B of the FCRA, I am entitled to have all fraudulent information related to identity theft blocked from my credit reports. The fraudulent accounts include As a result, I am formally requesting, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), that all fraudulent accounts and hard inquiries be immediately removed from my XXXX and XXXX credit reports. In addition, I am disputing the following fraudulent rental and real estate accounts also, which were created in my name without authorization : To substantiate my claim, I have included the following : An FTC Identity Theft Affidavit Copy of my government-issued ID Proof of address ( e.g., utility bill ) Fraudulent Accounts on My Credit Report Personal Credit Card Account Bank : Ally Credit Card /XXXX Opened : XX/XX/XXXX Personal Credit Card Account Bank : XXXX XXXXXXXX XXXX XXXX Opened : XX/XX/XXXX Personal Credit Card Account Bank : XXXX XXXX XXXX XXXX Opened:XXXX Personal Credit Card Account Bank : XXXX XXXXXXXX XXXX Opened : XX/XX/XXXX Personal Credit Account Bank : XXXX XXXX XXXX Installment Account Bank : XXXX XXXX XXXX Opened : XX/XX/XXXX Installment Account Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Mortgage Bank XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Public Records To Be Removed XXXX XXXX XXXX XXXX Date Filed or XXXX : XX/XX/XXXX Court : XXXX XXXX XXXX Status : Dismissed Assests XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX XXXXXXXX Status : XXXX XXXX XXXX XXXXXXXX XXXX Date Filed : XX/XX/XXXX Court : Bankruptcy Court Status Dismissed Inquiry to be removed Bank Name : XXXX Inquiry Date : XX/XX/XXXX These fraudulent accounts and related inquiries have resulted in unauthorized collection actions, which violate my rights under the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

I applied for a XXXX XXXX ( XXXX ) on XX/XX/23. As I had frozen my credit reports with XXXX XXXX, XXXX and XXXX through Lifelock the application was denied as I had to lift the freezes. I was successful with XXXX XXXX on - line and by phone with XXXX but not Experian. I repeatedly attempted to contact Experian via phone, on - line and then finally obtained direction to contact them by mail- which I did on XX/XX/23. As of this writing I have heard nothing from them and still my credit report remains frozen. I received numerous letters from XXXX  re status but Experian remains the problem. There is no person to talk to, no way to get past the problem and I need my credit unfrozen. If there was a need for a major purchase what would I do? 
May I add that I have a credit score over XXXX.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were hard inquiries that do not have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that don't have no purpose to belong on my credit report. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

On XX/XX/2021 Without authorization and or permission Capital One credit services withdrew {$0.00} from a XXXX XXXX account. On XX/XX/2021 {$480.00} was withdrawn, and on XX/XX/2021 another {$1.00}. All without authorization and or permission. During the month of XX/XX/2021, repeated attempts to withdraw more monies were made by Capital One Credit card services. Resulting in my card being suspended for fraudulent activity. I waited before contacting the company to see if a reversal of the monies would be returned to my account since I didn't give authorization for the withdrawal of monies from my account. The card company has since closed the previous card, issued a new card, and launched an investigation.
Product: Debt collection

After I have spoken to them, or my father has spoken to then because the also call his phone about the debt, they still call at least 5 times a day. Even when payments have been made. Even when I personally have discussed payment options with them. No matter what I receive at least 5 phone calls a day, including weekends. If I ignored a particular number, they will call from several different ones and use the alternative numbers to call me 5 times a day. 

They call my father and demand he pay more than he can or threaten other case action when he does n't give the response the want. Some agents are very nasty.