23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I mailed a first-class dispute letter to The Best Service Company on XX/XX/2020. I did not get a response. I mailed a certified mail receipt requested letter on XX/XX/2020, and I also did not get a response. I mailed the letters to the address that is listed on my credit reports. 

I am an unaccompanied XXXX youth that is participating in a XXXX XXXX XXXX effort named XXXX XXXX. XXXX XXXX provides unaccompanied XXXX  youth with a housing subsidy, workforce training, and job opportunities as well as financial education and coaching. I had a very challenging time obtaining housing due to my credit and The Best Service Company was a big reason for that impact. 

I do not feel it is fair that I and my financial coach have tried two times to contact The Best Service Company and they have not responded. I called to confirm their address and they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following accounts they are violations of 15usc 1681 602a. I have a right to privacy. 15 usc sec 604a section 2. Furnishing transactions without my written consent. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these settled charge off accounts are still reporting inaccurate on my experian & XXXX & XXXX these XXXX XXXX XXXXXXXX account # XXXX # XXXX and this XXXX XXXX XXXX account # XXXX
Product: Credit reporting or other personal consumer reports

This is the 4th time, I am writing to dispute several hard inquiries that appear on my Equifax credit report. These inquiries are unverified, and I did not authorize any of them. As such, I request that they be removed from my credit report immediately, in accordance with my rights under the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a cash app debit card in the mail on XX/XX/14 but I do not have a cash app account so know it is fraud. I called what I believe is their customer service but many sites say they do not have customer service # so not sure if the # and callback I received is another part of scam. The # is XXXX. The only info I gave them was my email, they did email me mins later and asked for a lot more info to investigate the fraud but that could be part of scam as well so I am just not responding. I just wanted account closed. I did shred card. The email is from XXXX but afraid more of the scam.
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 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 XXXXXXXX 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. 

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: Mortgage

I had a mortae through XXXX bank. On XX/XX/XXXX my mortgage was transferred to XXXX. I made a mortgage payment in the amount of {$1100.00} on XX/XX/XXXX with funds be removed from my checking account on XX/XX/XXXX. This payment was for my XX/XX/XXXX payment. When I went to make my XX/XX/XXXX payment with myloancare.com, they said I still owed them for XX/XX/XXXX payment. I called XXXX, which took an hour to get to a person. I was told I needed to contact XXXX bank and ask them to reimburse my payment to me so that I could pay it to XXXX. I called XXXX bank and was told that the funds had been transferred to XXXX and they could not reimburse me. I asked if XXXX could contact myloancare.com to sort this out and I was told by XXXX that I need to call XXXX and take care of it myself. On XX/XX/XXXX, I called back to XXXX, waited another hour to speak to a person. I ended up speaking with XXXX at XXXX who informed me that they could not see my previous ticket and I would need to start the process over and submit a new request. I did ask to be transferred to a supervisor. I spoke with XXXX, who told me I would need to submit a new request. When asked if there was a simpler way to contact them, I was told no, I have to go through their hour long phone tree each time. I submitted a new request with all requested information. I have now submitted requests 4 other requests to resolve this issue and apply my {$1100.00} payment to my mortgage. It is now saying my payment is past due, but it has been paid. I have gotten 2 responses from them asking me for a transmittal form which I don't know what that is and neither does my bank where I have my checking account. I have submitted 2 more requests with what XXXX XXXX XXXX XXXX and myself believe to be a transmittal form with no response from myloancare. I am so frustrated and scared. I do not have the extra money for this, I do not want to lose my house. Please help me. 

I have attached all document I have sent to myloancare to prove I made this payment to XXXX.
Product: Debt collection

Back in 2018 i moved out my very first apartment in XX/XX/2018 my lease was ending in XXXX and the rent was XXXX when i was leaving it was agreed upon with the manager at that time that if i turned in my keys XX/XX/XXXX by like XXXX or XXXX then they wont consider it a breach since my lease was almost over. we live in a military town! one of the biggest so if you dont move when you can you will not be able to due to over population. i didnt want to stay due to countless of times my rent was never " received '' and we paid by money order in person. which never made sense to me. and sometimes i had to pay double rent just cause they say theres no record. i wasnt the only tenant with this problem and they was upping our rent as well so a few of us moved around the same time to another neighborhood. it got to a point i was getting behind other bills and sometimes had to suffer with no lights or phone due to it and i was a new mother. my daughter wasnt even one yet. i was young and it was my first ever place so i took there word! never knew about getting stuff in writing for documentation at the time but now i do. I was never informed about fees and of course i never got my deposit back which was expected! just last XXXX, i got a notification from credit karma about a new debt collection. at first it never said anything except the debt collection agency. it took months to even figure out what it was. i contacted them to let them know and they said " they doubt anybody would tell me that '' they are now under new management and also controlled by a computer! And now its states i owe about XXXX to them which dont even make sense! they just said a clean up fee which wouldnt even be that much and my rent was only XXXX as well. recently i been trying to move to relocate for work and my lease is almost up and i cant even do that cause of this. the disputing multiple times wont even work and im running out of time. i live too far from my job and not getting any resolution on this
Product: Mortgage

requested credit report from XXXX on XXXX/XXXX/15 found that chase was reporting negatively on my report as of XXXX/XXXX/15. i am attaching a copy of documentation reflecting timely payments
Product: Mortgage

1. Fay Servicing has no any signed agreement with us. 
2. Loan originator XXXX XXXX was supplied with hazard insurance before the closing XX/XX/2020. 
3. During the next 3 months this loan was transferred 3 times to the different companies. 4. Insurance was on place and nobody had any questions.

5. Fay Servicing tried to sell extra service with no ground.

6. Multiple disturbance by letters and harassment over the phone.

7. No availability to pay online.

8. Payment is taken over the phone and unsecured.

9. No COVID-19 available info, just sending to nowhere.

10. Totally unfair and deceptive practice to sell something more and expensive.

11. No responses for 3-4 times insurance policy sent and phone calls.
Product: Credit card or prepaid card

On XX/XX/XXXX i went to XXXX. XXXX in XXXX XXXX for service of my XXXX XXXX XXXX XXXX  originally leased from XXXX. XXXX. 
Brake  and Oil service is performed same day and p aid {$500.00} as agreed. 
After returning home to XXXX XXXX ( 120 miles each way!!! ) Warning Light come up ' INCORRECT OIL LEVEL-STOP THE VEHICLE " I called XXXX immediately to report problem. I was inform that is probably computer glitch and is going to go away. It DID NOT. Problem persisted and after calling XXXX. XXXX NUMEROUS times with No luck and leaving messages to service Manager XXXX XXXX with few apologetic text messages back I called XXXX XXXX in XXXX XXXX and, after I was advised Not XXXXo drive the car, I book first available appointment on XX/XX/XXXX. 
Overfill of Oil was diagnosed and Oil service performed by XXXX XXXX Again. 
Since Covid -19 situation and luck of technician in XXXX XXXX of SD my car was in a service for 15 days!!! 
CAR THAT I'M PAYING {$1600.00} A MONTH LEASE to Very same XXXX. XXXX. 

After that I contacted XXXX. XXXX more than XXXX times via phone, text and Email but even after XXXX XXXX from XXXX XXXX XXXX XXXX contacted them and CONFIRM that Oil service performed XX/XX/XXXX by XXXX. XXXX was INCORRECT and need to be performed Again - XXXX DID NOT OFFER ANY RESOLUTION. 
After Disputing Portion of the Charges related with Oil change ( {$250.00} ) with Chase, CHASE Bank sided with XXXX. XXXX and declined my dispute even thou I PROVIDE MANY PROOFS and WITNESS that service was NOT provided.
Product: Debt collection

On or about XXXX XXXX, 2015 I received a call and I believe that they identified themselves as debt collectors. They did not say who they were attempting to collect the debt from and asked me to provide an address or my Social Security Number. I found this quite disturbing and improper. I asked them who they were attempting to collect the debt from and they did not have an answer for that. I said that the phone number has been mine for a few years so you might be looking for someone else. I asked what company she was from and she stated Van Ru Credit Corporation. I see that it is likely that there are multiple complaints against this company on the internet ; my negative assumption is that they are as corrupt as the rest of the State of Illinois that they reside in. It would be greatly appreciated if you could find out if they are cold calling for phishing purposes or other fraudulent schemes. Thank you very much.
Product: Debt collection

Receivables Performance XXXX Is reporting on my credit report and I never received a notice from them. I only saw it on my credit report recently and immediately contacted them. This debt should have never even went to collections, it was sent in error. 

I am aware of my rights and I do know that collections companies have to send you a 30 day right to dispute to give you the opportunity to dispute it or take care of it and I was not notified. Because this recently showed up without notification it has affected my financing causing me to possibly lose my house. I have contacted my attorney and am prepared to take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in constant dispute with the credit bureaus for almost a year now and have yet to get have the inaccurate accounts on my credit report removed. I recently sent in a letter on XX/XX/2022, once again asking them to verify these accounts and have yet to receive a response back. I feel like I am being taken advantage of and have been throughout this whole situation. I've been getting ignored for months on top of months and it is leaving me no other choice but to take these matters to court if the issue doesn't get resolved. Thank you for helping me with this matter.
Product: Debt collection

I saw Colombia Debt recovery {$4700.00} reporting on my credit report. I asked them to verify the debt. They have not responded. Its not mine and should not be on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an identity theft report with FTC as someone has stolen my information. I did not request any credit and have frozen my credit with XXXX. My credit report states the inquiry was made on or around XX/XX/XXXX for a travel/entertainment card. 

The requirement of the Bank to respond to credit bureau disputes is outlined by the Revision of the Fair Credit Reporting Act Section 312, effective XX/XX/XXXX. Under the provisions of FACTA/FCRA, upon receipt of a credit bureau report dispute from a client, the Bank must immediately place a dispute code on its subscribing credit bureau reports.
Product: Debt collection

This company sent a collection letter to an address that is not mine and has never been mine to a distant family members address that I have zero association with. I have zero unpaid bills so this is fraud but was given zero help when I called and not given a way to dispute it. I have a perfect credit score and this is fraud. I need this to be resolved before they are able to harm my credit.
Product: Money transfer, virtual currency, or money service

So Venmo took my money/ froze my account today. For no reason didnt receive an email which is my right and the law, if my money is going to be withheld! I never had issues before until recently. Its like when people are receiving money then they want to take it! 

I drove two hours yesterday with Barely no gas and no money, to do a friend a favor on XXXX by painting her kids face for a party. She gave me some money. And I transferred to my other account, but decided to keep it in my original Venmo account to use the debit card for gas to make it home today I go to use my card and its declined. So im like ok my card must be locked. Go to unlock and try again. DECLINED.. so I say ok let me transfer to my bank and use my bank debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a customer who is legally protected by the federal government, the consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report. 
In accordance with the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ), the Consumer is requesting validation from you ( FDCPA ).
Product: Checking or savings account

Chase bank has returned to an old practice of temporarily overdrafting people 's accounts in order to charge multiple {$34.00} fees and then processing deposits. This practice had been addressed by government oversight authorities and the practice had been corrected, but now with a new administration, they have gone back to their old ways of shafting customers to pad their bottom lines. Even worse, they now deliberately put customers on hold for extended periods of time to avoid speaking with them regarding their complaints. To make matters worse, they left me on hold for 40 minutes and then transferred me over to their system to give feedback on a new person named XXXX who had absolutely nothing to do with the situation. While chase thought they were going to guilt me into giving this representative a good score, I gave all negative feedback for someone who shouldn't have received it. But a point has to be made and is Chase supervisors are fine with throwing line staff under the bus for their egregious behavior, then look to the line staff to expose managements orders and misdeeds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided TransUnion will all requested documents for my identity theft case and unlike the other 2 credit bureaus they continue to refuse to remove fraudulent information from my credit report. File number XXXX. I have provided an FTC identity theft report, a police report and all identity verification documents that are required. XXXX and XXXX complied with the requests but XXXXU is refusing to do so. 
TransUnion is in violation of the Fair Credit Reporting Act in continuing to not remove fraudulent accounts and inquiries from my report. They are basically saying I am a liar when i have been the victim. You are harming my ability to obtain any new credit. 
As clearly shown by the legislative history of the FCRA identity theft revisions, of which section 605B is the key provision, the purpose was to avoid any involvement of the furnisher or CRA in investigating the issue of asserted identity theft. 
If the consumer is willing to make a sworn statement before law enforcement, which carries criminal penalties for knowingly false statements, then that assertion itself is adequate to block the information from the consumer 's credit report. 
Conducting an investigation of the furnisher 's reporting is not part of the identity theft blocking process, and is not basis for denying the block under section 605B. Their action appears to thus be willful noncompliance with the statute, subjecting them to punitive damages and court/legal fess, per FCRA 616. 
I will be seeking these damages against TransUnion if this fraudulent information is not removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXt the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A. 

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 

Account # Vendor Amount XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Called on XX/XX/XXXX to request information called on XX/XX/XXXX to inquire about where the information was sent both the representative and the supervisor were terribly rude not wanting to help get the debt verified or removed. The debt was added to my credit report I've never had business with this creditor
Product: Payday loan, title loan, or personal loan

Was told that loans where approved gave account and routing number for money to be transferred but never received. Other loans Zi never applied for as well.
Product: Debt collection

My mortgage company send employees to my front door to deliver past due notices and notices to contact servicer. I already speak to them via telephone and respond via mail from servicer. I 've never heard of mortgage companies being allowed to come to your front door almost weekly to hand deliver notes to call servicer or past due notices. Especially when I am currently going through modification process.
Product: Credit reporting or other personal consumer reports

Recently i looked a copy of my credit report and noticed several inaccuracies on my account, this account is hurting my ability to obtain credit, it is my understanding that you will investigate these items for me to ensure accuracy.

here is the item i am asking you to verify as accurate Account name : XXXX  XXXX XXXX number account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX, DEPT OF EDUCATIONXXXX, XXXX XXXX XXXX   They gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX GA XXXX My name is XXXX XXXX XXXX My phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was 0, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX company, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.