23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I entered into a disaster forbearance, due to a storm in XXXX. Prior to the forbearance ended, I called on XX/XX/XXXX to apply for resolution to the forbearance. I was told the process was an application, which I completed over the phone. On XX/XX/XXXX, I called back and was told I was put into another forbearance. I asked that I be reevaluated for other programs. I again did an application over the phone. I was assured that I was in loss mitigation and that my credit report would not be affected during this process. I called again on XX/XX/XXXX for a status update, I was told the application that was supposed to be done on XX/XX/XXXX was not done and I had to do another XXXX, which I did. On XX/XX/XXXX, this same thing happened again ; again on XX/XX/XXXX I went through the same process again after I received approval for the Stand Alone Partial Claim twice, and it was not honored either time. On XX/XX/XXXX, I called after returning the acceptance of the Partial Claim and was told I was put back in a forbearance. Each time I spoke with my mortgage company I asked about my credit and was assured that I would not be affected because I was in this process. On XX/XX/XXXX, I called after finding out that it has been reported that I was delinquent on my credit report and was on hold for XXXX hour and XXXX minutes for a supervisor, the supervisor answered and put me back on hold. I was then told that she would get back to me within XXXX. I have not received a call back to date. My credit is still affected and my issue with the forbearance remains.
Product: Debt collection

Subject : Dispute and Complaint Regarding Collection Agency Violations Dear Sir/Madam, I am writing to formally dispute and file a complaint against RentDebt Automated Collections for their numerous violations of my consumer rights as per the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations. 

According to my rights under the FDCPA and CFPB regulations, I am entitled to certain protections and procedures which RentDebt Automated Collections has flagrantly disregarded. Here are the violations : Failure to Provide Validation Information : RentDebt Automated Collections has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have reported the alleged debt to consumer reporting agencies, thereby affecting my credit report. 

Denial of Dispute Opportunity : Despite regulations stipulating that I must be given a chance to dispute the account according to

12 CFR 1006.34 ( c ) ( 4 ) ( i ), I have not been afforded this opportunity by RentDebt Automated Collections. Use of False, Misleading, and Deceptive Means : RentDebt Automated Collections has been engaging in false, misleading,
and deceptive practices, violating my consumer rights. 

Unauthorized Reporting to Consumer Reporting Agencies : Without providing the required disclosures as mandated by law, RentDebt Automated Collections has furnished information to consumer reporting agencies, contravening 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

Furthermore, I would like to highlight that the alleged debt being pursued by RentDebt Automated Collections is outside the statute of limitations for the state of Florida. As such, any attempt to collect on this debt is legally unenforceable. 

In light of these violations, I am disputing any and all debts purportedly owed to RentDebt Automated Collections. Furthermore, I hereby revoke all rights of communication through email, text messages, and phone calls. Any attempt to contact me through these means will be considered a violation, subjecting RentDebt Automated Collections to penalties of {$1000.00} per violation under 15-USD-92k FDCPA violation. 

Additionally, I request the following : Debt Validation : Please provide validation of the alleged debt, including itemized statements and documentation supporting its validity. 

Purchase Agreement : I request the purchase agreement between RentDebt Automated Collections and the original creditor pertaining to the alleged debt.

Proof of Licensing and Bonding : Please furnish proof of RentDebt Automated Collections licensure and bonding status. 

I expect a prompt and thorough investigation into these matters and appropriate action taken against RentDebt Automated Collections for their violations. Thank you for your attention to this matter. 

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

I have on going identity theft issues where someone or some group is using my information to try to obtain lines of credit and loans. I have tried to get XXXX, XXXX and Equifax to remove this false info and It has been a struggle. The below items are all inaccurate because I did not authorize or provide my information for a hard inquiry to any of these companies. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX  XXXX Balance : {$930.00} ; XXXX SELF-REPORTED XXXX Balance : {$150.00} ; Medical XXXX Balance : {$1300.00} ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

XX/XX/ : I filed a dispute as there where multiple transactions I did not make or authorized totaling {$1900.00} On XXXX XXXX XXXX  : I got an email saying it was denied On XXXX XXXX XXXX XXXX I filed a rebuttal, this time with evidence where I was in the XXXX XXXX XXXX XXXXXXXX  event during this time. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I informed them my phone was temporarily stolen while I was in the XXXX and that I did not make or authorize these purchases. 

XX/XX/ : They denied my dispute again, even with the concrete evidence I had. 

The reason for the denial was this exactly from the email I received : Transaction history reflects a pattern of adding monies to the account and spending them relatively quickly. 
Transactions on Virtual card, customer in control of Device - Disputed transactions are from the customers assigned Virtual card, and there is no evidence that another device accessed the customers account during the time the disputed transactions occurred. 

First of all, what does me spending and moving money quickly have to do with anything? 

Second of all, they claim I was in control of the device even though I sent concrete evidence that I was admitted to the XXXX XXXX XXXX XXXXXXXX event during the time these purchases were made. How can I be in control of anything under anesthesia? 

Third of all, of course no other device accessed my account because again my phone was temporarily STOLEN while I was under XXXX 

Its very clear, this company did not listen to me at all with anything I said. At this point, respectfully they are just asking to be sued. 

My phone was stolen temporarily, and used to purchase things fraudulently. Things that I did not authorize. I sent them evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they are still denying my disputes even with evidence. 

I am filing with the XXXX XXXX XXXX as well, as this is just ridiculous and a clear violation of regulation XXXX.
Product: Debt collection

On the morning of XX/XX/XXXX I get a notification on my XXXX  report of a derogatory remark from a Midwest Recovery Systems stated that I owe a balance of {$500.00} from a XXXX XXXX. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with XXXX XXXX since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from XXXX XXXX in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime  of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with Midwest recovery I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year XXXX XXXX XXXX in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company XXXX XXXX XXXX XXXX and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to Midwest Recovery ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that Midwest Recovery Systems is a SCAM! and please beware.
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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 and XXXX of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Bank account or service

I opened up an account at PNC XX/XX/XXXX when I got my second job so that I could put money into that account and save easier. So I set up my account so my direct deposit would go into that account. Well I never had more then XXXX in the account. XX/XX/XXXX was the last time I took out {$100.00} leaving me with a balance of {$5.00}. Then I do n't look at the account again until I get a forged check with my name on it for {$900.00} that was put into my account. I do n't know how anyone got into my account to deposit and the bank obviously rejcted it. Then I got a letter in the mail telling me that I have a -XXXX and some change. So I go on my banking app and see that my account was hacked. So I called the bank and their response was because it took me too long to call them about the forged check that I compromised my account. So I called them up and I got the run around from them. I was told that I had to go make a police report so I went and did that at my local police deparmtnet and the policeman Officer XXXX of XXXX County police on XXXX XXXX, XXXX, told me to have the bank call them because they were unsure of twhat what had happened they did n't know why the bank had sent me there when there was nothing they could do. So I call back up, after talking to XXXX the day before to talking to XXXX now, and she directed me to the Fraud department of the bank who was told me that bank had charged it off, and that XXXX would be contacting me. And since then no one has contacte me. No one can tell me why they allowed someone taohack into my account and withdraw more then XXXX when there was little to nothing in the account. So now I am being charged with the balance that I had nothing to do with. This bank is so unprofessional
Product: Credit reporting or other personal consumer reports

I am so confused about your credit bureaus investigation on the account, that I am again writing this letter to dispute the fraudulent account on my credit report. As you have known, I have submitted the required FTC report I filed on Federal Trade Commission regarding the fraudulent accounts on my reoprt and upon submission, XXXX XXXX XXXX removed the said account on their records. I also contacted the company associated with this account and they said they have removed the account, so my question is : why are the account still reporting on your bureau? It is important to note that as a credit bureau, you are legally obligated to ensure the accuracy and timeliness of your records. By failing to remove these fraudulent account, you are not fulfilling this obligation and are exposing me to further harm. 

XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

FCRA 605B obliges you to remove any incorrect accounts from my credit report. Please review the documents, as there are mistakes in the reporting, amounts, and dates of some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. Those debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report
Product: Checking or savings account

XX/XX/2022 I maintain a Citibank - checking, savings and credit card account. The information, address, on my account is wrong. I call Citibank to remedy the incorrect address and all calls are routed to XXXX and the representative consistently speak very poor XXXX. It is difficult to communicate with the service representative. When communicating banking account information and problems with an account, it is difficult to communicate with the Citibank representative and the potential for banking error is high. I have been told that Citibank representative in XXXX are unable to transfer my call to a representative who speaks XXXX sufficiently well to transact or remedy problems. Can you require Citibank to have XXXX speaking representatives answer the call as it is very difficult to interact with non XXXX speakers.
Product: Credit card or prepaid card

Upgrade ( alternative credit platform ) offered me a {$400.00} bonus on my Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions. 
Earn a {$400.00} bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions within 60 days. To qualify for the {$400.00} welcome bonus, you must open and fund a new Upgrade Rewards Checking Account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive bonus.

I met all the requirements for the bonus. I opened the Rewards Checking account and completed the third debit transaction on my Rewards Checking account, on XX/XX/2022.

In according to terms and conditions, the bonus credit needed to be posted to my Upgrade Card as a rewards credit within 1-2 billing periods following the third debit transaction on my Rewards Checking account. The second billing period of my reward checking account ended on XX/XX/22. The second billing period of my Upgrade Card ended on XX/XX/22. Yet, I didnt receive the {$400.00} bonus credit.

I contacted the company but couldnt resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. It's been well over 30 days and noting have been corrected. I feel my rights are being neglected and my issues are being ignored. Per 611 ( a ), a failure to investigate within 30 days justifies immediate removal of theses items from my credit report. It has been over 30 days so I would expect the items to be deleted ASAP. I demand proper action be taken and these accounts be deleted immediately or I will file for litigation due to the mental and financial stress caused. Additionally, my information could have gotten in the wrong hands due to the Equifax data breach. 

Additionally, on XX/XX/2022, a demand to comply letter was sent awaiting response
Product: Debt collection

In XXXX of XXXX  I received a call from diversified consultants, claiming I owed {$140.00}. I explained to them I just got back from XXXX and they said my balance was XXXX and I had returned all equipment. I also explained I wasnt in any contract with XXXX to owe any money, it was a no term agreement. In which I never provided my social security number to obtain any type of credit. The representative I spoke with at diversified said since my social security number was not provided it would not be reported to my credit report. She stated she would mark as a dispute, and provide me validation or verification of the debt before they proceeded any further. 
On XX/XX/2018, I received notice from XXXX that there was a collection for {$140.00} reported. I was highly upset! I have worked for the past 6 years to obtain a XXXX FICO, and was misinformed by this company. When I called back I spoke with a rep I inquired on how my social was obtained she stated it was in the contract with XXXX, which I knew was untrue, because XXXX verified it wasnt. I also explained that this was resolved directly with XXXX and that they needed to remove collection from my XXXX   bureau and not report anything to my credit bureaus going further, they refused stating they cant remove anything.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>. Since then the account has been repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account. 

XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I reach out to the companies and asked them to remove the inquires off my credit report on XXXXXXXX XXXXXXXX XXXX. They said they would it is now XXXXXXXX XXXX and I still the inquires on my credit report.
Product: Vehicle loan or lease

I am writing to file a complaint against my car lender Santander Consumer USA due to their unlawful practices that resulted in the loss of my vehicle. The lender did not honor their original agreement with me, which has caused significant financial and personal hardship. 

On XX/XX/XXXX, I made a payment of {$1300.00}. This payment was part of an agreement where I was informed that I had 15 days to pay the remaining balance, which was {$1900.00}, in order to reclaim my vehicle after repossession. On XX/XX/XXXX, when I called to make the final payment, I was unexpectedly told that I now owed {$2500.00}. This new amount included an additional month 's payment that was never communicated to me during our prior discussions. 

Furthermore, the lender did not send me a repossession letter as required by law. When I requested one, they offered to provide it but only after the fact, which raised concerns about the accuracy of the letter 's date. 

I believe these actions are in violation of my rights and the terms originally agreed upon. Their failure to honor the agreement and the lack of clear communication have led to the wrongful loss of my vehicle. I request that the CFPB investigate this matter and take appropriate action to rectify this situation.