23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX in XXXXXXXX XXXX I rented from for a year and a half. I was working 45 min north in a XXXXXXXX XXXX XXXX XXXX XXXXt and wanted to move closer to my job. I gave 60 day written notice to terminate the current lease and paid rent in full. When I went to the office to sign the renew the lease 6 months prior I was told by an office employee that if ever wanting to break the lease I'd have to initial in one place on the lease that said something about property damages which I was confused about but was thinking I knew I would leave it undamaged so initialed anyway. Upon black mold exposure and a massive water leak from the apartment above me and post recovery from covid, I decided since the property manager was aware of these issues but refused to help move me into another apartment on the property that I would go ahead and move out. A year after being in my new apartment I check my lifelock and randomly a collection from ideal collection services in XXXX, XXXX  XXXX  up on my account. I immediately call their office and try to dispute the charges unbeknownst to my knowledge, no notification via email/mail of an attempt to collect a debt, a copy of my lease and sent all my money order receipts to the collection company of which I paid my rent in gainesville with XXXX The response I got was a lease with inaccurate dates and rental amounts. I called the water company a separate company to see if there was any way I had a unknown bill, entered my account number and was told I had a XXXX dollar balance, which by the way I'm told that it was my responsibility to pay a water bill when I no longer lived at the residence which was part of the XXXX dollars that I was reported for. They will not accept payments or a settlement, I'm afraid that my credit and ability to rent or own will be affected for a long period of time if I do pay it and they refuse to delete it off my credit report. I'm a XXXX XXXX, deal with life and death and feel as if it's only fair to be treated like a human being with good intent who would like to have the freedom to one day own a home if desired. This is really holding me back as I've been aggressive about paying off debt.
Product: Student loan

I was enrolled inXX/XX/XXXX for there XXXXXX/XX/XXXX. I was one class away and the school closed. I had all the grades I needed to complete the program and I feel as if I shouldnt have to pay this back when I was attending school when I needed to complete this class. I get charged for some loans and I wasnt the ones that closed the doors or left the school. I was actually attending.
Product: Prepaid card

A company has refunded my money in the amount of XXXX. They have provided documentation that they have refunded the money to my account. Netspend is saying they have n't received the money and told me they would n't make a decision on my claim until XXXX XXXX, 2015.
Product: Debt collection

A mortgage company reported derogatory information to the credit reporting bureau for a mortgage that doesn't exist. It is for a house that I am unaware of ever existing. 

I don't own a house. The house I did own I sold over three years ago,  was financed by XXXX, and was paid in full at time of the sale. It was old after I remarried, about 3.5 years ago. 

This Nationstar/Mr Cooper mortgage company claims I am {$7200.00} behind, and my payments are {$2400.00} on a home mortgage that does not exist. 

According to my XXXX  report, there were payments made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. We are a middle class couple, and my husband is near retirement. We haven't been making mortgage payments on anything except my husband 's house. He is the bread winner, I am stay at home due to XXXX. We don't even know where this " supposed '' house IS! 

He called ( recorded the call, which is legal in Texas ), and spoke to an XXXX XXXX, who wouldn't do anything about it without my Social Security number, which my husband refused to give him. Then Mr. XXXX transferred the call to his " esculation department '' who never answered the phone.
Product: Checking or savings account

Because of a report of fraud committed against me thru XXXX transaction and then having some money been sent to me by family members thru XXXX to help pay for my fathers XXXX treatment after the fraud complaint the bank closed my account and treated me like if I was the criminal
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with EQUIFAX regarding inaccurate credit report. I filed bankruptcy 10 years ago and this should not be on my credit report according to Fair Credit Reporting Act. EQUIFAX did an investigation, but did not resolve this issue.
Product: Debt collection

There are XXXX ficticious medical bill charges on my credit reports that were illegally placed there by a company called Commonwealth Financial in an attempt to extort money from me by damaging my credit. This is in violation of FCRA laws XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$53.00} By placing XXXX separate charges on my account, they are deliberately attempting to damage my credit further than if they 'd placed a single charge. I have contacted Commonwealth and they were unable to provide any proof that these charges are real and valid. 

I asked the representative that I spoke to at Commonwealth if these were the hospital emergency room visits that my wife and I made after being hit by a drunk driver ( all medical bills were paid by XXXX XXXX XXXX XXXX XXXX ). Strangely enough, she told me that these were not emergency room visits, but rather 'physician bills '. 

In actuality, XXXX ' ( sometimes listed as XXXX XXXX XXXX XXXX XXXX ) is a fake agency and Commonwealth is known for illegally reporting these fake charges on random credit reports. They always list the charges at least twice, in an attempt to create 'panic ' in the victim and get them to pay faster. 

If the charges are successfully disputed off, Commonwealth will start placing random amounts as many as eight times on a credit report to exact 'revenge '. 

Case number : XXXX is an incident that happened to my wife, where Commonwealth had placed XXXX fake charges on her report. 

XXXX XXXX of Commonwealth Financial acknowledged that the charges were indeed fake and has promised a deletion update to my credit report, however this has not been done. She claimed to offer a deletion only to close the last case. I have not received a valid bill, I have not received an explanation and the charges are still on my account. 

I attempted to call Commonwealth Financial Systems again and I discovered that they blocked my telephone number : XXXX. How in the world are they attempting to collect debts or resolve erroneous information if they block the telephone numbers of people trying to call them? That seems a little suspicious. 

What Commonwealth Financial is doing is illegal and I would like to follow up to ensure that they are prosecuted. Meanwhile, I am pursuing a civil case against Commonwealth Financial as well.
Product: Credit reporting or other personal consumer reports

Equifax 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 or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, 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 Equifax has neither corrected nor removed disputed items despite the evidence l provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifaxs inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

Hi, I have received a notice for debt collection and I have been trying to reach th debt collector and called many times during business hours and I get an automated response that all callers are busy and call is discounted after giving the option to go online for payment option. 

I need to talk to someone at the debt collection agency to understand the debt and options to pay as I am not able to pay the amount that is listed.
Product: Credit card or prepaid card

Date of Transaction : XX/XX/2023 Total charge : {$280.00} Refund requested : {$280.00} Refund received : {$100.00} credit at XXXX Outstanding refund amount : {$180.00} Hotel that I booked with through XXXX : XXXX XXXX XXXXXXXX XXXX days before my check in, I saw multiple 1 star reviews posted stating that no one was at the check in desk when guests arrived and people waited XXXX min-over an hour for someone to show up and check them in. There were also multiple reviews stating that the family suite ( which I had reserved ) was not two separate bedrooms with a shared bath as advertised, but instead a tiny room with two double beds and bathroom with no door on it.

The hotel had no option to send them a message, and only a phone number was provided on my reservation confirmation and booking as the only way to contact them. I called the number repeatedly over XXXX  days and when someone finally answered, it was not XXXX XXXX XXXX, and the person said they repeatedly got calls looking for XXXX XXXX XXXX, but the hotel was providing an incorrect number. At that point, I called XXXX and asked them to cancel the reservation and provide a refund- they tried to contact the hotel, and also had the same experience of having the wrong number phone and no way to contact the hotel. The night before I was supposed to check in, this was still not resolved, and did not feel safe taking my family there, so I booked another hotel and stayed there. 2 hours before my original check in time, I finally received communication via email from XXXX XXXX XXXX with a different phone number than had been on all previous communications and on my booking confirmation page. At that point, I was already staying at the other hotel. 

I have contacted XXXX XXXX times since then, waited on hold/spoken to customer service reps for a total of XXXX hours, and they refuse to refund me the full amount because the hotel wont refund them. They have given me a {$100.00} coupon only at XXXX. This in unacceptable. They need to remove this hotel from their site and refund me the full amount. 

I then tried to dispute the transaction with my credit card company ( Chase ) and they told me that they were unable to even file a dispute because I didn't try to cancel within the cancellation policy. I wasn't made aware of these issues until a week before my stay ( I didn't try to call the hotel until then ), and the cancellation policy was 30 days in advance, so this should be irrelevant to the dispute. 

I'm attaching my email confirmation and a print out of my XXXX booking confirmation, both which show the fake phone number they provide.
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for negative accounts. I have tried numerous times to have this situation resolved with no resolutions. 

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

On XXXX/XXXX/2021 I sent a letter and FTC report regarding unauthorized information on my credit report. To this day, I have not received a response to unauthorized information. I feel like my disputes have been completely disregarded and ignored. Section 611 ( a ) it states that failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report and it has been more than 30 days so they should be deleted promptly. I demand these unauthorized inquires be deleted immediately or I will file for litigation due to the XXXX XXXX XXXX XXXX XXXX XXXX. My information was impacted by the XXXX databreach and may have been exposed to the wrong person
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus failed to respond to my request to validate the negative information that they are illegally reporting to my credit report. I disputed the accounts and asked for them to be removed as they are in direct violation of 15 USC 1681s2 ( 7 ) ( E ) says that nothing under the FCRA requires a financial institution to furnish negative information. these violations are a directly affecting my ability to gain housing and employment. I am demanding that the following accounts. The following dates showing XX/XX/2017 by XXXX XXXX during this period I was incarcerated and disputed this as identity theft. 
Ally Financial is howling incorrect information. And the State of Michigan Child Support has never proven the DNA of the children and should not be reporting to my credit.
Product: Debt collection

in  XXXX  or  XXXX  I went to   XXXX   XXXX   for a  XXXX  friday cell phone sale. I purchased a phone in   XXXX   XXXX   (  XXXX  account ) I was told there was a 14 day return policy which has always been the case for cellphone users. Within the  XXXX  I attempted to use the phone but the service was so horrible most of the time I could n't. Within the 14 days i returned the phone to   XXXX   XXXX   and the representative stated to account was clear. Later i get a collection noticed saying i owe  XXXX  dollars for something i no longer own and returned to the store. I Spoke with the collection agency and  XXXX  directly and explained I returned the merchandise and was told i did n't owe anything. I also returned to   XXXX   XXXX   picked up a copy of the return receipt, forwarded it to both companies and was still told I owe the debt some an item that barely worked and returned. The collection company is called  XXXX   XXXX   XXXX . Date opened is  XXXX   XXXX ,  XXXX
Product: Consumer Loan

My wife and I had a lease w/ Hyundai Motor company. After the lease was at term, we turned the vehicle into the dealership we purchased it from. Shortly after, the dealership contacted us and said that they had decided to purchase the vehicle for the amount left owing and we should not be due any further charges. We then received a bill XXXX XXXX for {$400.00} for disposal of the vehicle. I called and asked their Lease End dept. to ask what the charge was for and they said its just part of the contract and if I did n't pay it, they would charge it off and put it on my credit report. Im going to pay the bill but I think Hyundai is charging customers for something they are not incurring any costs for. How many other XXXX customers are being charged for the same thing? I would like for someone to look into this because i dont think its fair and I would like my money back without my credit being affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On, XX/XX/XXXX, I discovered a account on my credit report that had two late payments, I was never late on payments on the following account named XXXX, On XX/XX/XXXX, I submitted the Letter to remove lates to the credit bureaus, the late payment under XXXX with the date of XX/XX/XXXX, and XX/XX/XXXX for XXXX and Experian, needs to be update since I was never late on the account, so I need that information to be update
Product: Credit card or prepaid card

Barclays had an offer on the XXXX card : open the card, spend {$1000.00} in the first 3 months and pay the annual fee, and then get XXXX XXXX miles. I was approved for the card on XX/XX/2020, spent over {$1000.00} in the first 2 months, and paid the annual fee ( before it was due ) .Barclays shut down my card and did not give me the XXXX points. I understand issuers can shut a card for no reason, but they still owe me the XXXX miles. 

I have attached the statement showing my spend, as well as Barclays confirming I will be receiving the bonus.
Product: Credit card or prepaid card

I received a letter in the mail from Comenity Capital Bank thanking me the XXXX XXXX XXXX XXXX  card application on XX/XX/2022. They wanted me to lift the security freeze so they could process the application. I did not apply for this credit card or any other line of credit. When I called Comenity Bank, they asked me to provide my name, date of birth and social security number. I refused. When they transferred me to their fraud department, they asked for verification. I gave them a number found on the letter which was their reference number and my address. The agent, named XXXX, insisted that I provide my DOB and social security number to proceed when I refused he told me to contact the credit bureaus. My credit is frozen on XXXX, XXXX and XXXX. I was not aware that there was a XXXX Consumer Assistance and XXXX XXXX XXXXXXXX XXXX Assistance XXXX 

I need to find out what additional steps do I need to make sure to protect my identity and credit. Your assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Visa  Account # XXXX XXXX XXXX XXXX exp XX/XX/XXXX cvc XXXX THey reported a 30 day late when I was not. They offered a COVID-19 plan due to circumstances where you don't have to pay for 2 months. 

THey did NOT lower the interest rate which I also requested. It is a high APR. 
I still am making payments. I had to reapply for the Covid-19 plan again because they reported a late for the 2 months I did not have a pmt as part of the agreement. 

I would like the late for XXXX and XXXX removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, I am looking into my credit and I see addresses that are not mine possibly belong to a family member or another person. I was married so my last name has changed from XXXX to XXXX. Please make note or update the correct information. My currently and only address is XXXX XXXX XXXXXXXX XXXX XXXX OH XXXX. PLEASE DELETE REMOVE THE FOLLOWING ADDRESSES : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX  XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

LVNV Funding LLC C/ O Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX SC XXXX RE : Debit Validation Request- To whom it may concern : Collection Agency Representative I am writing to request validation of the debt you are attempting to collect from me.I have recently pulled my credit report and noticed tha there is a collection listing from your agency.

I have never been notified of this collection action of that I owe this debt.

This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money.from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activiy and remove it all together.

Pursuant to to the Fair Debit Collection Practices Act ( FDCPA ), 15 U. S. C. 1692, I am requesting that you provide me with the following information to validate this debt.

Please attach copies of the following documents : Agreement that you have authority to collect on this alleged debt.

Agreement that bears signature of the allege debtor with promises to pay the original creditor.

Complete payment history on this account to prove that the amount you wish to collect is correct.

Sincerely,
Product: Credit card or prepaid card

I have had a Khols card for years now. Always paid on time. My payment was very high so I could not get control of it. They kept raising my limit and I didn't realize it had gotten so high. They did not let me know they raised it. By the time I realized it was so high the payment was out of control. Then my ex husband left the state and stopped paying his child support/alimony and my employment cut my overtime I had for years. I have lost a significant amount of income in XX/XX/XXXX. I called Khols to ask them if I can just pay my past due. They said no and reported me as late even though I was not even a month late yet which impacted my credit score. None of my other credit cards did this but Khols. I thought I had to be 30 days late to be reported. Anyway, the payment jumped to over a hundred dollars in the worst month ever. I lost about 30 percent of my income last month. 
I called all my credit cards and had them closed and I was put into a payment plan where I can pay them off with no interest. I just want to try and keep my credit score intact as I am a single mother and need my score to rent, medical, etc. Khols was the only company that would not work with me. They were very aggressive all the times I called them. They said there is nothing they can do, that I either pay it or they will ruin my credit report. I told them I could not. They call me all day. All night. I get calls at my job from them. My phone rumbles all day long from Khols. They have many different numbers they call from. I finally called them today and asked them why they won't help me pay them. I just want to pay my bill! They said the only thing they can do is charge me {$66.00} a month for two years. I told them I could pay half of that. I told them I could pay XXXX a month and maybe things would get better down the line and I could pay more. They got really nasty and said there is nothing they can do. I asked them wouldn't they rather have some money than none. They said no. I am at my wit 's end. I don't understand why I can't pay off what I owe but just in smaller amounts for now. Please help. I am not trying to dodge my bill and I have learned my lesson no to depend on overtime or child support but I can't seem to climb out of this hold and can't not pay my rent or electric or buy food for my kids to pay IKhols.