23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sometime in XX/XX/XXXX, I was planning to move to XXXX to resume my new job as a XXXX ( XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. I was looking for an apartment ( I had lived in XXXX, XXXX from XX/XX/XXXX when I moved into the country ). I had in the course of my search, went to XXXX XXXX XXXX XXXX, XXXX  where I was shown some apartments. I later applied online for an apartment and my application was successful and I paid the deposit required. I moved from my apartment at XXXX XXXX XXXX, XXXX XXXX in XXXX, XXXX ( where I had lived for XXXX years ) on XX/XX/XXXX to XXXX to take possession of the apartment I had applied and paid for ( the deposit ) at XXXX XXXX XXXX. On my getting to the apartment office, on XX/XX/XXXX to take possession, I WAS MADE TO PAY FOR THE 1ST MONTH XXXX DOLLARS AND MADE TO SIGN THE LEASE BEFORE I WAS SHOWN THE APARTMENT, I immediately rejected it because it was n't what I had seen when I came to visit and what I had paid for, the lady told me to come back on Monday, XX/XX/XXXX to see her boss. I went back on Monday XX/XX/XXXXbut they were unable to provide the one I wanted, so I told them, I WILL NOT BE GOING AHEAD WITH THE LEASE since they do not have what I was promised, they refused, saying I had signed the lease and if I wo n't be going ahead, I had to pay about XXXX DOLLARS plus as cancellation fee and 3 months rents ). I told them I WILL NOT BE DOING THAT considering the fact that they did not fulfill their own end of the bargain. I then went searching and I found my current apartment, applied and got approved same day ( the monthly rent by the way is even way higher than what I would have been paying at XXXX ). XX/XX/XXXX XXXX went ahead to draw XXXX dollars from my XXXX XXXX XXXX account, after I had told them otherwise, I called them and mailed them as well, reiterating my stance that I DO NOT OWE THEM ANYTHING and that they even have to refund my deposit and the money already drawn from my account, I NEVER TOOK POSSESSION OF THIS APARTMENT, I NEVER HAD THE KEYS TO THE APARTMEN, The only time I stepped my foot into the apartment was when I went with one of the staff on the day I had referred to earlier. I reported them to my bank and a dispute was opened, ( see attached 1 ), dispute which was resolved in my favor and my cash was returned to me. After a few months, I started receiving mails from FAIR COLLECTIONS AND OUTSOURCING claiming I was owing XXXX XXXX XXXX, first it was XXXX, then later XXXX dollars, I called them multiple times and sent a mail to them as well ( see attached 2 ) stating my own side of the story, but they went ahead and reported this illegal act to the 3 Credit Bureau. This had adversely affected my Credit Report. I NEVER OWED THIS AMONUT, SINCE XXXX XXXX XXXX NEVER FULFILLED THEIR OWN END OF THE BARGAIN, why would I be made to pay for this. XXXX XXXX XXXX, if not that they are trying to bullying me into paying this should have taken this case to the Courts, where such issues are addressed.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing. 
Below is a summary of the data in which I am challenging :
Product: Mortgage

On XX/XX/XXXX and XX/XX/XXXX I called Freedom Mortgage regarding forced homeowners insurance placed by them on our mortgaged condo. In both instances, after hours of telephone contact, I was notified that our building insurance documents had been received by Freedom Mortgage and that the forced insurance payment made on our behalf would be fully refunded to our escrow account.Our last statement dated XXXX  showed an increase of {$490.00} to our monthly note payment due to the payment of forced homeowners insurance. I waited to see if a corrected statement showing the original, correct, note payment due would be sent to us. None was received and since the note is due on XX/XX/XXXX I called today to verify that payment at the original fixed note amount would be accepted as timely full payment of the note. Customer service stated that the note was increased due to a lapse in our insurance coverage and purchased insurance. After about an hour of discussion a supervisor told us that the company notes showed that our provided insurance was in place for the full period and that the forced insurance premium will be refunded in full, but they are waiting on an escrow run requested in early XXXX that has not been completed due to a backlog in escrow processing. He said the correct original note payment will not be accepted until the escrow run is complete possibly in late XXXX. He said that if we make payment by XX/XX/XXXX the late payment will not be reported as delinquent and we will not have a late fee. If they have not been able to make the correction by then we will have to pay the increased mortgage amount to be considered current in our payments.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

WAKEFIELD AND ASSOCI XXXX  Balance {$500.00} ; WAKEFIELD AND ASSOCI XXXX  Balance {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I scheduled a student loan payment to American Education Services on the XX/XX/XXXX for a draft date of XX/XX/2019. This payment would have covered my XX/XX/XXXX due date. My student loan is due on the 1st of each month and I should not have received a negative reporting until the XX/XX/XXXX. AES reported a 30 day late payment for the month of XX/XX/XXXX. I have reached out to AES to resolve this on the XX/XX/XXXX to inquire and spoke to a manager. He advised that I should not get a negative credit reporting and he would initiate an internal dispute. To date there has been no resolution and my credit has been impacted tremendously. AES payment confirmation states the payment date is the day that the payment will be applied.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of alleged debt, nor therefore any such debt, in fact therefore exists. I asked this company to dispute this unauthorized information off my credit report. Ive asked for verification that its my debt and they cant provide proof because it is not mine. I am a victim of identity theft. Ive filed police reports and sent my proof in and this is still on my credit unauthorized. It has to be removed by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted each service that's furnishing inaccurate information that's being shared on my consumer report. I made them aware that I did not authorize nor consent to the following inquiries, names, addresses, employer and phone numbers being furnished on my consumer report. I demand that the inaccurate information to be removed and update in a timely fashion.
Product: Credit reporting or other personal consumer reports

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 USR 1681. account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy. 15 U.S.C 1681 section 604 A section2. 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 reporting containing any of the following items of information Any other adverse item of information, other then records of convictions of crimes which antedates the report by more than XXXX years, 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I made two payments on my Walmart and one of the payments were returned in error from my bank. By returning the payment Walmart Synchrony Bank closed my store credit card account. I called my bank and received a letter from them stating the return was in the banks error and not mine. which I have attached to this complaint. Synchrony Bank Being so big it is extremely difficult to navigate through the representatives in order to to get this resoled correctly. I always seem to get the wrong information or the representatives doesn't seem to know what I am speaking about. So I have to make a complaint. I just want my account reopened and I will make the {$280.00} payment in cash to bring the account current.
Product: Debt collection

Continuous phone calls all day from a collection agency. When I answer they hang up. When I call the number back they say I owe money to XXXX insurance which I do not. They are incorrectly reporting on my credit report and it's causing a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX placed eight accounts from XXXX XXXX XXXX on my credit report without ever contacting me to verify the bills. They used really old contact information and the wrong policy number. I called them ( XXXX ) and told her about the mistakes to which she replied ( XXXX ) that contacting me was a " courtesy '' and she was under no obligation to contact me prior to putting the accounts on my credit report. Hence, I was never contacted. Then, in a letter from the provider sent me dated XX/XX/XXXX, all charges where XXXX  out. Still, the collection items appear on my credit report ( XXXX XXXX and XXXX. ) In addition, Capio Partners placed three old collection items on my credit reports from yet another XXXX XXXX, XXXX XXXX. These bills dated back to XXXX and XXXX. Again they had incorrect contact info and policy info. I called their Patient Advocacy number, XXXX on XX/XX/XXXX and was told= verbally that they would remove the bills from the credit bureaus. They, too, still appear on my credit report. 

In XXXX, the same thing happened with another XXXX XXXX in XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Once again, they used the wrong policy number and contact information. I filed a lawsuit because they destroy my credit and just reaches a settlement with all parties involved. Once again these new incorrect items are on my credit reports and my credit has taken another hit. 

I believe that there is something wrong with how XXXX  XXXX  are conducting their billing and collection efforts. Three separate XXXX XXXX, all billing when I was inpatient, all had the wrong policy and collection information. What makes this especially suspicious is that since I was inpatient, all providers should have gotten billing information from the information given at the time of admission. During my three hospitalization ALL OTHER PROVIDERS got the correct information that was sent to the insurance company. Because I am XXXX XXXX, at least 90 % of the bills would have been paid in full because I almost always reached my out of pocket maximum in the first quarter of the year. 
Please let me know what needs to be done to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Bureau is continually violating my rights as a consumer as well as violation the law by illegally reporting an account that I have disputed with evidence that belongs to someone else, has an address attached to someone else and ACTUALLY REPORTING THAT PERSONS NAME on MY CREDIT PROFILE under personal information. Additionally, because Experian refused to remove this account and it was causing me great detriment, I attempted to resolve the account, and Experian reported it paid 47 % at {$1500.00} from XXXX XXXX, 2021. Now, they have changed it to 0 % paid and changed the originals amount due from {$2900.00} to {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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

I have noticed hard inquiries dated for auto loans and credit cards that I have applied for and were denied. As a result, these inquiries are inaccurately impacting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), I can dispute any inaccurate or unauthorized information on my credit report. Please investigate this matter and provide documentation proving that I authorized these inquiries. If no such proof exists, I ask that these hard inquiries be removed from my credit file promptly.
Product: Vehicle loan or lease

My XXXX  XXXX charger got repossessed I was making payments n the amount wasnt goin down I call about it no one fix it n after I missed payments do to my amount wasnt goin down then they told me I had to pay the hold amount for the loan which was XXXX XXXX thats insane after my car got repo they said I can pay XXXX to get my car back n caught up to my miss payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Phone : XXXX ( XXXX ) XXXX Date : XX/XX/year> Dispute Department Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Late Payment Entry on My Credit Report Dear Experian Dispute Department : I am writing to formally dispute a late payment entry that appears on my credit report. According to 15 U.S.C. 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ), certain adverse information, including late payment entries, must be removed from a consumers credit report after a specific period of time. 

The late payment in question may be outdated or inaccurately reported. Therefore, I am requesting that you investigate and, if necessary, remove this entry from my credit report.

Under 15 U.S.C. 1681c ( a ), consumer reporting agencies are prohibited from reporting certain types of adverse information after the following timeframes : Late payments and other delinquencies must be removed after 7 years from the date of the original delinquency. 
Other adverse information, such as collections or charge-offs, must also be removed after 7 years. 
The presence of this late payment on my credit report is damaging to my creditworthiness. If it can not be verified or if it exceeds the permissible reporting period, I request that it be promptly removed. 

Please investigate this matter and provide a written confirmation once the investigation has been completed and the necessary corrections have been made. 

Thank you for your prompt attention to this matter. Please do not hesitate to contact me if you require any additional information. 

Sincerely, XXXX XXXX XXXX XXXX 15 U.S.C. 1681c ( a ) Requirements Relating to Information Contained in Consumer Reports This section of the Fair Credit Reporting Act ( FCRA ) outlines time limitations on how long certain negative information can appear on a consumer 's credit report : Late payments and other delinquencies must be removed from the credit report after 7 years from the date of the original delinquency. 
Bankruptcy cases under XXXX  XXXX must be removed after 10 years from the date of filing. 
XXXX  XXXX bankruptcies must be removed after 7 years from the date of discharge. 
This law ensures that outdated and damaging information does not remain on a consumers credit report indefinitely, protecting consumers from undue harm to their creditworthiness.
Product: Credit card or prepaid card

I filed bankruptcy and capital one was added to my bankruptcy i contacted them numerous times to have the card reported as bankruptcy but they keep updating it on my credit report as charged off. I need to have this debt validated showing i owe them and it was not included in bankruptcy
Product: Checking or savings account

I went to the bank and got a report of my deposits so I could do my taxes. The deposits unfortunately do not match my records. Many of my employment checks do not have history on my account. 
They have never been recorded! 
The XXXX is also saying I have no record of these payments so they are holding up my claim so I believe the banks reporting is causing a hold up on my unemployment funds. 

What ever the XXXX and Wells Fargo bank are doing it seems they are doing it together. 

Attached is an accounting of all the checks I have. This is major fraud. 

Ive only had my Two accounts with Wells Fargo since 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Got A Alert That - Thanks For Taking The Time To Apply For A XXXX XXXX Credit Card And I Got Surprised I Didnt Apply Any Credit Card So How Come I Am Getting eMail. I Called XXXX XXXX Application Fraud Team And Spoke To Supervisor Ms. XXXX XXXX ID XXXX Location - Florida On XXXX..At XXXX And She Promise Me She Is Sending eMail To All 3 Credit Agencies To Delete It From My Record But Till Date XX/XX/XXXX. It Didnt Get Deleted or Removed From My XXXX And Equifax.. 

I Waited For 30 Days And Called And Speak To So Many Manager / Supervisor At XXXX XXXX Application Fraud Team They Said We Already Informed Electronically To The Credit Agencies And Sent By Mail As Your Application ID : XXXX And The Letter Sent On XX/XX/XXXX To All Credit Agencies.. They Will Do It Whenever They Want.. 

So I Am Requesting You Please Help Me To Fix This Issue Because Of XXXX XXXX Fraud Inquiry Is Effecting My Crediancials With Other Credit Lenders And My Life And My Family Life..
Product: Credit reporting or other personal consumer reports

In the recent Credit File Disclosure provided by Transunion, there are several reporting practices that explicitly violate the consumers federally protected rights. You stated that the consumer has been on your files since XX/XX/2008. Please provide a copy of the application submitted for consumer information to be recorded in your files. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 CFR 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. 
Furthermore, Transunion is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. On the credit file disclosure, you state consumer has given written authorization for various entities to access the credit file. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting. 
TOTAL LIST OF THE FOLLOWING : Regular Inquiries, Account Review Inquiries, Inquiry Analysis, Third Party Supplemental Information , Club and Subscription Activity, Collection Accounts. 
Included is a copy of the Credit File Disclosure provided with violations being highlighted. 
For the record consumer states they have not given any written, verbal, or non-verbal consent to the following reporting. Consumer is requesting the file be updated immediately. Consumer is requesting compensation for violations. The invoice has been enclosed with this letter. 
The FCRA, in 15 U.S.C. Sec. 1681n ( a ) ( 1 ) ( A ), allows a consumer to recover any actual damages sustained by the consumer as a result of the [ violation ] or damages of not less than {$100.00} and not more than {$1000.00}. 
Consumer states for the record they have instructed Transunion to limit prescreened offers of credit and insurance, via XXXX, but now request them to STOP all offers, completely. 
Please be aware, Consumer has the right to seek damages for injury by suing within a state or federal court. 
Please place a Security Freeze on the file, immediately.
Product: Checking or savings account

XXXX Electronic check payment to CA DMV ( XXXX ). DMV provided receipt which included 'Payment : Successful '. Transaction listed per online checking account. However, on XXXX DMV sent Demand For Payment letter referencing check decline and imposition of penalty for late registration payment. Penalty amount imposed was {$220.00}, which was paid by money order ( which came to XXXX ). A letter was then drafted and sent by certified mail to B of A in XXXX, Fl. Bank was advised of problem and asked why no alert/notice was sent re decline. The local branch in XXXX CA was advised of letter and requested to sort out problem. Meanwhile, XXXX provided a two sentence response to two page letter. Response acknowledged that there were sufficient funds in account, but that funds were not withdrawn to pay DMV. No reason was given for non-withdrawal of funds to pay DMV and XXXX CA branch could not provide any explanation nor yet offer any direction to customer to find resolution. 
Customer had to pay DMV an additional XXXX dollars through no fault of their own.