23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived at XXXX XXXX XXXX and was never late on my rent. I am a nurse and at the time was a XXXX instructor for a private school. XXXX XXXX ( which was declared a national disaster ) hit and XXXX was asked to evacuate, which I did. The school I worked for at the time got destroyed by the hurricane and I called XXXX ( the apartment manager ) and explained I did not have a job to come back to. I also asked her to go check my apartment and see if there was damage from the storm. This was a very old hotel that they turned into apartments. She stated there was water damage that resulted from coming in the windows but stated " it was not that bad ''. We discussed my problem and what I should do. Mind you I only had 1-2 months left in my lease. I would never just leave a lease. She stated she had found a women that wanted to take over my lease and reassured me not to worry. I searched for an apartment in XXXX and they sent a form to XXXX to complete to verify I owed nothing. She sent the letter and I moved into my new place. The manager is a very unprofessional person and lied to me and the women moving in. The women changed her mind at the last minute and XXXX was stuck so she has now come up with a bill AFTER she signed and sent a form stating I owed nothing. She is wrong and I would like this removed from my credit ASAP. I have sent pictures of the molded apt and the letter of a XXXX balance multiple times to the credit bureau XXXX and they will not remove it or help me in anyway. Please help d/t this is now affecting me to rent anywhere. This is crazy and makes no sense. I have a letter signed stating I owe nothing. How can she be allowed to do this to me? I have enclosed a release of rental agreement the XXXX apartment in XXXX made me get from XXXX XXXX XXXX stating that I was a good tenet and I did not owe any money to XXXX XXXX XXXX apartments which as you can see was clearly dated after I moved out. I would not have been able to rent another apartment without XXXX sending this. Please notice the move out date of XX/XX/17 and notice the date that XXXX signed and completed this document XX/XX/17 from XXXX stating that I owed no fees whatsoever for any kind or of any violations. She is now coming back saying I owe. Did she falsify a rental agreement or a bill? I sent her an email asking for this after I moved out which is dated XX/XX/17 to my new apartment complex. Please review this and help me finally resolve this.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a new vehicle through my XXXX company with a lease through XXXX XXXX via XXXX XXXX. After 3 months of owning the vehicle, the vehicle started having electrical problems with the dash and video components going blue or cutting off completely. We had the vehicle serviced and reviewed over a 5 month period continuing to make payments. After a XXXX Corporate Technician was flown in to review the vehicle problems, he was able to duplicate the problem and said the vehicle is not able to be repaired because the vehicle could not withstand a software update. Therefore, XXXX XXXX sends me a letter stating they are reviewing my vehicle for the Lemon Law in the state of Alabama. After receiving the letter and the vehicle is not able to be repaired and could be a hazard based on the electrical issue, I stopped making payments to XXXX XXXX  because the vehicle is unsafe and not operating in a manner I am comfortable to put my family in. Because I stopped making payments, XXXX XXXX  starting calling me and asking for an explanation why I was not making payments. Each week over a 6 week period they would call at least once or twice a week asking for payment and I would tell them the problem and they would tell me okay but someone else is going to call soon to ask again for payment and an explanation. Each time I would give the explanation and have the person calling to review the notes and they would say the same thing. This week Of XX/XX/XXXX, I received a XXXX Update on my credit score stating my score had dropped due to an outstanding payment over 30 days with XXXX XXXX. I feel as if XXXX XXXX and Corporation are being unfair about me making payments on a car that is unsafe to drive and can not be repaired. I feel as if they bullied me into trying to make me make payments on a vehicle they can not repair and could be a hazard to my family driving it. I will upload all files for review.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered the erroneous accounts. The 3 credit bureaus must verify these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be deleted from erroneous reporting in my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a dunning letter from a XXXX part debt collector on a debt that I do not recognize. I attempted to get validation of debt from them by sending XXXX letters to them. I never received a satisfactory response. I then sent them an estoppel letter. ( see attached ). 

I just discovered that this debt collector has now filed a lawsuit and are posing as attorney 's representing the credit card company. It is my belief that they are nothing but interlopers that purchased this alleged debt for pennies on the dollar and are now attempting to collect the entire amount. 

I was not properly served to appear in court and never received notice of this action and have learned of this by an attorney that sent me a letter in the mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPEATEDLY CONTACTED THE FOLLOWING COMPANIES ... 
XXXX XXXX XXXX XXXX AND XXXX XXXX ALONG WITH THE CREDIT BUREAUS TO HAVE THESE ACCOUNTS REMOVED FROM MY CREDIT REPORT OR TO HAVE DOCUMENTATION WITH MY SIGNATURE SENT TO ME SO I CAN REVIEW THESE ACCOUNT EACH COMPANY HAS REFUSED TO SENT ME ANYTHING.
Product: Credit reporting

After sending two letters opening investigations to the credit bureaus for XXXX reporting a charge off and open balance to a debt that they XXXX me for in 2014, I am escalating this issue to be rectified by CFPB holding XXXX and the credit bureaus accountable for their actions. They are illegally hurting my financial wellbeing by still reporting an open balance which is affecting any ability to acquire financing.
Product: Vehicle loan or lease

On XX/XX/2022 I went on Drive time website for a free pre-approval on a car loan. I filled out the information they ask for a social security number to verify who I was I gave it to them but this pre-approval was without a credit check on XX/XX/XXXX I received an alert on my credit stating that they ran my credit I never gave them permission to do this and when I called and asked about it they said if I gave them my social security number then that's why they ran the credit but where the information was it specifically says this is not for a credit check this is verification of your identity now I have had my credit hit and they don't want to do anything about it it was fraudulently ran and I don't know what to do now
Product: Checking or savings account

THIS IS A CONSISTENT PROBLEM THAT I 'M CONTINUING TO HAVE. ON XXXX AND XXXX, MY BANK ACCOUNT WAS DEBITED IN THE AMOUNT OF XXXX BY A COMPANY CALLED XXXX. I NEVER RECIEVED THE MERCHANDISED I PURCHASED AND I FILED A DISPUTE WITH MY BANK FOR THE CHARGES. AND I WAS CREDITED BACK THE XXXX ON XXXX. I RECIEVED A LETTER FROM NY BANK STATING THAT ON XXXX, THE XXXX WILL BE DEBITED BACK FROM MY ACCOUNT AND THE CREDIT WILL BE REVERSED. THIS IS UNACCEPTABLE AND I WANT AN INVESTIGATION INTO THE MATTER. I SHOULD NOT BE PENALIZED FOR MERCHANDISE I NEVER RECIEVED. THIS IS VERY DISTURBING AND I 'VE HAD PEOBLEMS WITH BANK OF AMERICA BEFORE REGARDING ISSUES LIKE THIS BEFORE.
Product: Credit reporting or other personal consumer reports

Company incorrectly reported account 30 days past due in XX/XX/2023. My account was in forbearance. I submitted a request for correction along with proof my account was in forbearance, and the little snakes are claiming it was past due. Another agent I spoke with said it didn't matter, once they make a report they won't correct it, even though my account wasn't past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On DATE | sent a request to CAPITAL ONE BANK USA NA to validate the account that was was opened on XX/XX/2022, with a balance of {$5900.00}. To this day CAPITAL ONE BANK USA NA has failed to answer my request as they are required by Federal law and Im very concern because I believe this account was never late.
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I'm being garnish for a phone in my name that I didn't purchase.
Product: Credit reporting, credit repair services, 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Checking or savings account

I completed an offer and opened a checking account and made a direct payroll deposit of XXXX. I have messaged the company twice on their app and have not gotten my {$300.00} bonus as promised. In addition to the attached chat screenshots, I called the numer given and spoke with " XXXX '' today and he informed me that he couldn't guarantee that the money would be deposited and that they had cassified the payroll deposit wrong and the ticket was still open. He submitted another ticket today. I have met the requirements for the promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to this company several times on both XX/XX/ and XXXX  to try and resolve incorrect information on their part reflected on credit reporting. On XXXX  I was transferred several times to several different people that fumbled over answers and put me on hold only to be told to log in to the portal online and read the information stated there. When I told the representative that I was reading what was online and that it did. not reflect a repayment plan previously made, I was informed again that I just needed to read what was online ( which was unhelpful, to say the least. ) On XX/XX/ I called this company yet again to revive PDF documents of these agreements so that I could handle the issue myself. I spoke to several different people over the day who said that they sent the documents. After giving two different emails and speaking to/being transferred to several different people over the course of a morning I FINALLY received one document. The other document has still not been sent to me. This company is clearly withholding information that will ultimately prove that they are incorrect on things which is unprofessional.
Product: Debt collection

At the end XXXX of XXXX, I transferred my cellphone service away from XXXX XXXX to a different carrier. I paid my current XXXX bill at that time and stopped service with them. In XXXX I received a bill for services for the month of XXXX, during which time I no longer had XXXX as a carrier. I disputed this with them at the time. They ignored my dispute ( even though the original bill showed NO wireless minutes, NO data minutes, and no other services provided of any kind ) and sent this to collections. 

I have repeatedly fought with a string of collection agencies over this fraudulently originated alleged debt and have had to periodically write letters to them to have them remove this from my credit report. They have all responded by removing the collection from my report and ceasing actions against me. But not Jefferson Capital Systems , LLC of XXXX XXXX XXXX XXXX, XXXX MN XXXX. 

Jefferson Capital used the illegal practice of re-ageing this collection ( which XXXX originated in XXXX ). They represented it to the credit reporting agencies as a new collection in XXXX of XXXX. I sent them a letter in XXXX of XXXX requesting they rectify this. They sent me a letter claiming that even though the statue of limitations was up, they still had a right to report it to the credit reporting agencies, and ignored the fact that a ) the initial charge was fraudulent and b ) it originated in XXXX of XXXX and not in XX/XX/XXXX as they reported to the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

FCRA 605B seems to require us to delete any incorrect accounts from my credit report. Can you please check the documentation? Some accounts listed have errors in reporting, amounts, and dates.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, XXXX, Equifax, XXXX I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the XXXX major credit bureaus ( Equifax, XXXX, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. 

I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. 

Bank of America has not been helpful in getting their error resolved.
Product: Debt collection

After reviewing my credit report, I show an account was listed with Midwest Recovery Systems. 
I have never done business with them or received any type of communication from them it just showed up on my report. I have the right to see a signed contract between Midwest Recovery Systems and myself. 
. I would like a signed validation of debt. Another company 's bill is not proof of a debt with your company.

1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt.

4 ) The Agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and distress regarding XXXX XXXX 's mishandling of fraudulent charges, which has negatively impacted all three major credit bureaus : XXXX, Equifax, and XXXX. Despite submitting a valid police report, a notarized letter, an FTC report, and my identity documents, XXXX has reinserted the erroneous account without providing any proof of my liability. This egregious violation is causing severe financial and personal harm. 

I respectfully request your immediate intervention to initiate a comprehensive investigation and ensure a fair resolution to alleviate the ongoing hardship. XXXX, Equifax, and XXXX continue to claim the account has been verified, just XXXX days after I submitted a formal dispute. However, they have failed to provide any documentation, including the original signed consumer contract, which is required by federal law under 15 U.S.C. 1681. 

Moreover, XXXXXXXX XXXX has refused to adjust the balance and correct the inaccuracies in my credit report, asserting that I was using the card and making payments at the same time these fraudulent charges were being made. Unbeknownst to me, someone had gained access to my account information and was making unauthorized charges. Due to the relatively small size of these fraudulent transactions compared to my total balance, they were overlooked at the time. I firmly believe these charges are fraudulent, as evidenced by the police report I submitted.
Product: Checking or savings account

I created a Truist account on XX/XX/year>. I went into the branch on XX/XX/year> and deposited a life insurance benefits check from XXXX XXXX, which received a deposit hold until XX/XX/year>. My account was locked on XX/XX/year> giving me a fraud error. I went into the branch, and received information that my account deposit and account unlock would occur on XX/XX/year>. When I called to have my account unlocked on XX/XX/year>, I was told I needed to go into the branch and provide a letter from XXXX XXXX to show the validity of the funds. After providing this, Im now being told a decision from the bank on whether to continue with a relationship with me is what has put a hold on the funds despite them being in my account. When I asked to close the account and have them provide me with the funds today so I can open a different deposit account with another bank, I was told that their internal review hold will not allow them to do that. They have essentially stolen my funds and arent giving me access to them, and wont close my account and refund me either. Run, dont walk, away from these thieves.
Product: Credit reporting or other personal consumer reports

That was reporting all of my accounts incorrectly and used my information to do other things with it
Product: Credit card or prepaid card

Cfpb should be more agrassiev against banks because they are going back to XXXX off the cunsumet with high interests rate and late fees and refuse to do anything in case of item not received I placed a order by XXXX on XX/XX/2018 because I never got it therefore I forgot about it now the XXXX XXXX wants me to file a police and go after who ever took it get my money that way resell they really thing I XXXX  to give me such XXXX advise
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices., which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These acts have caused significant inconvenience and financial loss, I seek appropriate redress for these Violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, XXXX XXXX XXXX XXXX XXXX initiated an unauthorized wire transfer of 401 ( k ) funds to JP Morgan Chase. The funds were sent to an incorrect and unauthorized account and now JP Morgan Chase claims that they can not find the wire. 
Both companies are aware of the situation and both companies claim that the other company is at fault. All while the customer ( me ) is trying to track down retirement funds, to no avail. 

XXXX XXXX XXXX XXXX XXXX has offered friendly and helpful customer service, but can not do anything for me such as recall the wire. JP Morgan Chase has presented itself with terrible customer service. Every time I call, I have to restate the story from the beginning and I get transferred to multiple people who have no answers. When sending secure messages via the Chase website, I receive canned responses which offer no resolution. I have sent multiple messages, and even waited for more than 7 weeks for a response.

Furthermore, this unauthorized wire transfer of 401 ( k ) funds has tax implications that I will have to bear unfairly. 

Thank you for reading my complaint. I hope this will resolve the issue.