23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In Arizona, under the Arizona Residential Landlord and Tenant Act ( ARLTA ), landlords are required to make reasonable efforts to mitigate damages if a tenant breaks their lease early. This means you must attempt to re-rent the property as quickly as possible and can not simply charge the tenant for the full remaining lease term if the property is re-leased.

Landlord 's Duty to Mitigate Damages The landlord is required to re-rent the property in a reasonable timeframe.

If the landlord successfully re-leases the property, they can not charge the former tenant for rent beyond the date the new tenant takes possession.

Overcharging Tenants If the landlord charged for the full months ' rent despite re-leasing the property immediately, this likely violates their duty to mitigate damages.

The tenant could dispute these charges by, consider this correspondence a formal request by your providing : 1. Documentation : o To provide proof of re-leasing efforts and the exact date the new tenant began paying rent.

2. Negotiating : o Present evidence of the re-leasing.

3. Collections : o This account was sold to a collection in an unreasonable amount of time therefore, it is our belief you are out of compliance with Arizona Tenant laws.

Legal Basis The relevant law is A.R.S. 33-1370, which outlines a landlords obligation to mitigate damages. Key provisions include : Landlords can not collect double rent for the same period.

Tenants are only liable for rent up to the date the property is re-leased or through the remainder of the lease term if it remains unleased.

It is my premise that when we vacated the property at XXXX XXXX XXXX the current administration violated Arizona Law. Therefore, the landlord quickly reacted and entered the premises in an untimely manner. The management team decided to initiate action to maximize and sell the debt without a single attempt at contact. This is factual based on the untimely manner of events from vacating to collections. There is no reasonable amount of time that could have instilled the event.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove my hard inquires as your customer Service was very rude and not professional and would not help me to remove the inquiries XXXX 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 tried correcting the incorrect information of my name address and accounts and inquires but the CRA just wont fix the problem
Product: Credit reporting or other personal consumer reports

Texas State Law. I am writing to demand the immediate removal of child support information from my credit report, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s1 - Information on overdue child support obligations. Section 2 of this statute mandates that no adverse information concerning overdue child support obligations may be included in a consumer report if it antedates the report by more than seven years. The inclusion of such information on my credit report is a clear violation of this provision. 
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate data that has passed the seven-year statute of limitations. The Consumer Financial Protection Bureau ( CFPB ) has filed a class action lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove both cases from my credit report as XXXX and XXXX have already done. 
OFFICE OF THE ATTY GEN CASE # XXXX OFFICE OF THE ATTY GEN CASE # XXXX As Experians inactions violates federal law and my rights as a consumer.
Product: Debt collection

IC Systems Inc is has placed an illegal collection on my credit report in violation of 15 USC 1692e, 1692j, and 1692f.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING, LLC ACCOUNT # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 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 an account without my written instructions.

A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Unless the creditor has adopted it reasonable procedures designed to ensure that each periodic statement including information required by ( Section 1637 ( b ) ) Is mail or delivered to the consumer not later than 21 days before payment due date. There are certain clear and conspicuous disclosures that this creditor was supposed to provide me with 21 days prior to my statement due date that I didn't receive which is a violation of 15 US code 1666b.

Also 18 US code 8 states that the obligation of this day is already paid for by the United States.

12 CFR PART 1026.11 ( a ) CREDIT BALANCES. when a credit balance in excess of one dollar is created on a credit account ( through transmittal of funds to a creditor and access of the total balance due on an account, the rebates of unearned finances charges, or insurance premiums, or through amounts, otherwise two or held for the benefits of the consumer ), the creditor shall : XXXX Credit the amount of the credit balance to the consumers account. 
XXXX. Refund any part of the remaining credit balance within seven business days from receipt of a return request from the consumer. 
XXXX make a good faith effort to refund to the consumer by cash, check or money order or credit to a deposit account of the consumer. Any part of the credit balance remaining in the account for more than six months no further action is required if the consumer current location is not known to the creditor and can not be trace through the consumers last known address or telephone number. 

This creditor is in violation of 15 US code 1692 J for furnishing certain deceptive forms creating a false belief into consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to allegedly owes such creditor, when in fact such person is not so participating. Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under ( Section 1692 K ) For failure to comply with a provision of this subchapter.
Product: Student loan

I, the Original Creditor, Natural Person and also Consumer XXXX XXXX, am filing this factual complaint against student loan corperation Great Lakes Educational Loan Services , inc. All information is true, and the debt collector great lake servives is in the clear violations of : U.S.C, FTC , FDCPA and HJR 192 laws. 
The following violations are cited and briefly explained. 
Detailed information is provided in the Affidavit of Truth that will be attach to a copy of this complaint. 

15 usc 1692 e ( 2 ) misrepresentation as they assume to potential consumers on there website that they provide adqiute help to those consumers assume servives through them. 
15 usc 1692 e ( a ), ( b ), ( 4 ), ( 10 ) deceptive practice to collect debts as great lake services don't make clear of there legal status as a third party cooperation/entity 15 usc 1692 ( a, e ) legal status 15 usc 1605 violation of finance charges violations of HRJ 192 : all debts are paid for they are also in violation of 15 USC 1681 no written consent 15 usc 1692 d harassment/oppression 15usc 1692 d ( 1 ) harmed my reputation with future potential creditors 15 usc 1692 ( f ) unfair practice to collect a debt 15 usc 1692 f ( a ) no present right of claim through enforceable security interest 15 usc 1692 g validation of debts 15usc1692 g ( 2 ) original debtor information not disclosed
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Social Security Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for Removal of Fraudulent Late Payment Due to Identity Theft, Charge off Please Remove Late Payment Collection Accounts Below XXXX XXXX  Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX assigned XX/XX/XXXXXXXX XXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Account owner Individual Account Original Creditor XXXX XXXX XXXX XXXX XX/XX/XXXX Date assigned XX/XX/XXXX XXXX XXXX XXXX Age of Account 1 year 1 month Dear, XXXX, XXXX, Experian I am writing to formally dispute a late payment that has been inaccurately reported on my credit file due to identity theft. The late payment in question is associated with the account. 

I did not authorize the use of my personal information for this account, and I have taken steps to report this identity theft to the necessary authorities. Enclosed, you will find a copy of my police report, FTC Identity Theft Report, and any other documentation to support my claim of identity theft. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting the immediate deletion of this fraudulent late payment from my credit report. This late payment has negatively impacted my credit, and I trust that your investigation will confirm that this was not a transaction I made or authorized. According to 15USC CODE 1681 15 U.S. Code 1666 ( b ) 15 U.S. Code 1637 ( a ). 

Please confirm in writing that this item has been removed from my credit report. Should you require any further information, feel free to contact me at the phone number or email provided above. 

Thank you for your time and prompt attention to this matter. 

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

I HAVE WRONG ADRESSES THAT NEED TO BE CORRECTED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and explained that I have NEVER applied for anything using my credit report. I have explained numerous times that the accounts for XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, does not belong to me. These are not my accounts and I have not received anything from these companies. I have been a victim of identity theft and these accounts were opened as a result of fraud!!!!!!! The inquries from XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Please remove this information because I have not applied for these accounts and I have not received anything from these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing, Inc. ( SPS ) XX/XX/2017 = Due to financial setbacks, notified Select Portfolio Servicing , Inc. ( SPS ) we would be unable to cover payments by XX/XX/XXXX/XX/XX/2017 and initiated a Request for Mortgage Assistance with them. SPS recommended and *approved* us for a short sale based on our situation. Furthermore, SPS agreed *not* to report us to credit agencies as past due as long as we were in an active short sale process, which we were. 

XX/XX/2017 = SPS reported 30 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 60 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = SPS reported 90 days overdue to XXXX, XXXX, and XXXX XXXX ( we were still in the short sale process ) XX/XX/2017 = Short sale completed, SPS reported 120 days or no data to XXXX, XXXX, and XXXX XXXX ( we closed the short sale process and sold the property ) XX/XX/2017 = Account formally closed As a result of SPS reneging on their written agreement with us not to report us while we were in the process of a short sale, our credit ratings have taken a hit. We were assured by SPS this would not happen. 


They were negligent, did not return phone calls, or emails. They made us fill out the same stack of paperwork repeatedly. We ended up with a different person every time and had to start over each time with the new people assigned to us.
Product: Vehicle loan or lease

In late XXXX or early XXXX XXXX My husband went to XXXX XXXX to get an oil change on his XXXX XXXX. After a few hours, he called to tell me the salesman we have always used there, XXXX XXXX, introduced him to a fully loaded XXXX XXXX XXXX. At this time my husband had recently completed XXXX. When I got to the dealership I was reluctant to agree to this jointly. I privately talked to the salesman and told him I was worried about signing jointly in case XXXX 's health did not continue to improve. Noteworthy - we were there several hours due to my trepidation and in that time my daughter called to ask if her fiance was eligible to use my father 's XXXX XXXX discount. I was told by XXXX XXXX that he was not. I was also told that if my husband wanted this car I would have to be on the lease because I was the family member for the XXXX XXXX or the discount would not apply. I also have a lease on a XXXX for my own use. In short, I felt pressured to sign. My husband XXXX on XXXX XXXX, XXXX due to XXXX XXXX XXXX and I 'm being told I 'm locked into this lease for a car I do n't like or want. l recently found out I was NOT required to be on the lease per the terms of the XXXX XXXX. My daughter 's fiance also lost out on a large discount because of this misinformation. This has caused a terrible financial burden, as my husband XXXX without an estate or any XXXX insurance. I feel that the dealership had a fiduciary responsibility to give me accurate information or find someone who could. When I found out in XXXX XXXX that I did not have to sign this lease XXXX XXXX went to his supervisor who verified verbally and publicly in the showroom that I was not responsible to sign that lease in order to receive the discount. At this point I am barely making ends meet as I continue to pay for 2 leases registration and insurance and drive only 1 car. I hope you can help me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Subject : Dispute of Unauthorized Hard Inquiries on My Credit Report I am writing to formally dispute unauthorized hard inquiries on my credit report. Upon reviewing my credit report, I noticed multiple hard inquiries from car dealerships that I did not authorize. 

The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to the Fair Credit Reporting Act ( FCRA ), hard inquiries require my explicit consent. I did not authorize these inquiries, and they are negatively impacting my credit score. I request that these unauthorized inquiries be removed from my credit report immediately. 

Please investigate this matter and provide me with the results of your investigation in writing. If these inquiries were conducted without my authorization, I expect them to be deleted from my credit file. Enclosed are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 

Thank you for your prompt attention to this matter. Please confirm receipt of my dispute and notify me of the resolution at your earliest convenience. 

Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Subject : Fraudulent Inquiry Dispute Dear Sir/Madam Inquiry Name : XXXX XXXX XXXX Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : EXPERIAN XXXX CRED Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Sincerely, XXXX XXXX
Product: Checking or savings account

I made a dispute on XX/XX/2022 for the amount of {XXXX} somebody by the name of... sent them self money today date XX/XX/2022 somebody by the name of... sent them self XXXX they changed my password in was log in else where! I just recently changed my email in change my password but I didnt do any of these transactions in I want my money back!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # 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 I have inquiries that I didn't authorized also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

sent in request to XXXX  to validate debt and remove inaccuracies off reports
Product: Money transfer, virtual currency, or money service

There are a few transactions within my CashApp that went into the wrong bank account. This was not my bank account, or added by me. 
XXXXXXXX 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 had a mortgage with XXXX XXXXXXXX XXXX that was late and I used a federal home loan modification program to refinance with M & T bank. I have never been late with the M & T bank mortgage. My XXXX  report shows that I have been on time but XXXX  and XXXX  show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2017, the new law states that no public records, civil judgements or tax liens will report on your credit report. I have contacted each credit bureau regarding the new law XXXX removed the public records however Equifax   and XXXX  still will not remove the public records from their file.
Product: Credit reporting

In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : XXXX, Equifax, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : XXXX, Equifax, and XXXX to remove or delete the negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remains + 'icon ' Remains CALIBER HOME LOANS, IN Account XXXX This loan was settled we sold the house at a short sale and the lender agreed to list as pain in full.. it was already removed from my equifax and my XXXX XXXX .. this need to be removed ASAP.
Product: Credit card

The Army Air Force Exchange is in accurate penalties that I do not owe. I have been threatened by taking my XXXX away. This action will cause me to become homeless as a veteran an financial hardship. I request actions be stopped