23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XXXX years ago, my landlord ( XXXXXXXX XXXX ) and its management company ( XXXX ) attempted to increase retroactively the rent on my apartment by {$500.00} per month, in contravention of the amount set forth in, and the terms of, my lease. I immediately disputed their attempt and pointed out the provision in the lease documents that expressly stated my monthly rent amount. XXXX ignored the documents and, when I moved out of the apartment 6 months later, they continued to attempt to force me to pay the aggregate {$3000.00} that they created out of thin air. 

Earlier this year, after multiple emails and phone calls over the past XXXX years in which I repeatedly provided XXXX employees with the lease documents proving I did not owe the amount they alleged, XXXX XXXX hired a debt collection agency named Columbia Debt Recovery dba Genesis to attempt to collect the alleged debt. Genesis filed a collections account with XXXX ( and presumably the other credit bureaus ) asserting that the alleged amount was owed and in collections. 6 weeks ago, when I checked my credit report and first saw the so-called collections account, I immediately called Genesis to inform them that the amount was not owed, per the terms of my lease. At that time, I emailed to Genesis copies of the lease documents and the ledger that I received from XXXX showing their fraudulent attempt to increase my rent. I have had numerous emails and phone calls with Genesis in the past several weeks, during which, among other things, an employee of Genesis confirmed that the lease documents prove that I never owed the amount asserted.

I have repeatedly asked Genesis to contact the credit bureaus to remove the collections account. As of this afternoon, they have yet to do so, notwithstanding their knowledge that the alleged debt is false and my informing them that they were violating, among other things, the Fair Debt Collection Practices Act by continuing to attempt to collect a fraudulent alleged debt. I have also repeatedly asked to speak to XXXX and/or Genesis legal counsel, as the lease documents are clear on their face ( and I happen to be a licensed attorney ), to no avail.

I have attached the lease renewal form which shows the legal amount of my rent, as well as the ledger XXXX provided me that evidences their fraudulent attempt to increase my rent. The lease itself is too large to upload, but I am willing and able to provide you with that document, as well. Upon request, I will also provide all email correspondence with XXXX and Genesis over the last XXXX years. 

Thank you.
Product: Debt collection

XXXX XXXX XXXX XXXX, a debt collector, along with Discover Bank, continue to attempt to collect a fraudulent debt ( XXXX XXXX XXXX File # XXXX ) which was the result of identity theft, despite being notified several times that this was a fraudulent debt, in willful violation of FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 6 ), and Section 615 ( f ). Additionally, XXXX XXXX XXXX XXXX, along with Discover Bank, continue to attempt ( albeit unsuccessfully ) reporting this debt to the major CRAs in violation of FCRA Section 605 ( b ).

I have notified both XXXX XXXX XXXX XXXX, and Discover Bank several times, beginning XX/XX/2017 via certified, registered mail, as well as e-mail that this debt is a result of proven identity theft. I have kept complete, and extensive documentation of these interactions. However, largely, I was ignored by both named entities, despite having return receipts from the United States Postal Service showing that my documents were signed for.

In the above mentioned documents, I have provided both XXXX XXXX XXXX XXXX, and Discover Bank, multiple times, with the following : a police report, an FTC Identity Theft Affidavit/Report, a personal statement, notifying both XXXX XXXX XXXX XXXX. And Discover Bank that this debt is a result of identity theft, a copy of my credit reports with the account highlighted, a copy of my identification, a copy of the FCRA Notice to Furnishers of Information, as well as a copy of my accepted FCRA Section 605 ( b ) requests, and finally, a letter regarding my security deposit at my previous residence, proving that I had moved out more than a month before XXXX XXXX XXXX, and Discover Bank claim I applied for, and opened the account.

XXXX XXXX XXXX XXXX., in conjunction with Discover Bank, have willfully violated the Fair Credit Reporting Act multiple times, and have completely ignored me, or provided me with generic information that any identity thief would have ( social security number, date of birth, mothers maiden name, and a previous address I no longer lived at ), each time I have been in contact with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. I have disputed those account 's already for more than 30 days there have been no answer, according to the law that is result of non-verification, which requires that the above accounts be immediately removed from my credit file. 

-XXXXL {$1300.00} ( opened XX/XX/XXXX ) -XXXX XXXX XXXX  {$1200.00} ( opened XX/XX/XXXX )
Product: Credit reporting or other personal consumer reports

I filed a dispute with TransUnion and nothing was updated
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding XXXX failure to resolve repeated disputes over inaccurate information on my credit report and am demanding immediate corrective action under the Fair Credit Reporting Act ( FCRA ). 

Despite numerous dispute attemptsincluding certified letters, emails to XXXX representatives and Board of Directors, and several disputes initiated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX has failed to delete the incorrect information. In a phone call with XXXX XXXX XXXX, yesterday a representative from XXXX, I was informed that XXXX would not remove the data, arguing that the error stemmed from the creditor. However, as a consumer reporting agency, XXXX is legally required under FCRA 611 to correct or delete inaccurate information once it has been identified, regardless of the origin of the error ( 609letter Fair Credit R ). 

The FCRA mandates that XXXX reinvestigate disputed information and delete any item found to be inaccurate, incomplete, or unverifiable. Furthermore, under FCRA 611 ( b ) ( 5 ), deleted information can not be reinserted into my credit file without certification of accuracy from the information furnisher ( 609letter Fair Credit R ). XXXX must also maintain reasonable procedures to prevent the reappearance of any deleted information, as required by FCRA 611 ( b ) ( 5 ) ( C ) ( 609letter Fair Credit R ). 

Summary of Actions Taken : Certified Letters Sent by Mail : Multiple certified letters were sent detailing the dispute, with documentation substantiating my claims. 
Emails to XXXX and Their Board of Directors : Escalation efforts included emails to the Board, highlighting the error and requesting deletion. 
Phone Call with XXXX XXXX XXXX XXXX was told that XXXX would not delete the incorrect data, attributing the responsibility to the creditora reasoning inconsistent with the FCRAs requirement for consumer reporting agencies to uphold accuracy. 
XXXX ongoing failure to act in compliance with the FCRA has negatively impacted my credit profile. Therefore, I am requesting the immediate and permanent deletion of the disputed information, confirmation that it will not reappear on my report, and assurance of adherence to FCRA guidelines. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

Last year my husband received orders to move to another state. I decided to use the SCRA and submitted the documentation a few months after moving. USAA, a company dedicated to serving service members " noble mission of service '' refuses to apply the Service member Civil Relief Act to my credit card account because I took my husband 's name off the account my a few months prior to submitting the request. My husband was on the account the entire time the debt of the card was incurred and therefore the debt is jointly ours. We are legal residents Maryland and although Maryland is not a community property state it is an equitable property state. So regardless, we are married, it 's a joint debt. I requested review all the way up to the highest level explaining everything and each time they denied the request to apply the SCRA and reduce our interest rate. Almost a XXXX later, I was told to add my husband back on the account and re-submit the request. The representative told me to do this, but then it was still denied, saying he was added after he went on XXXX. The Servicemember Civil Relief Act 527 section 207 a ( 1 ) of the statue, " An obligation or liability bearing interest at a rate in excess of 6 percent per year that is incurred by a service member, OR the service member and the service member 's spouse jointly. It does not say, with both name on the account at the time of request. All of my other creditors applied the interest rate reduction and most of those, my husband was never on the account. I find this unacceptable and I am certain a case can be made that USAA is in violation and is failing to apply the SCRA in accordance to the statue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Detailed Negative Account History Report To Whom It May Concern, I am writing to provide a detailed account of my credit history, specifically the negative accounts that have impacted my credit report. Below are the accounts that have negatively affected my credit standing. 


XXXXXXXX XXXX XXXX XXXX Account Status : Charged Off Balance : {$4300.00} Past Due Amount : {$4300.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 180 days, charged off ) Comments : Account closed and written off as a loss. 

XXXX XXXX XXXX XXXX XXXX  Account Status : Charged Off Balance : {$1100.00} Past Due Amount : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Charged Off Balance : {$1100.00} Past Due Amount : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 


XXXX XXXX XXXX XXXX Account Status : Charged Off Balance : {$2100.00} Past Due Amount : {$2100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 180 days, charged off ) Comments : Account closed and written off as a loss. 


XXXX XXXX XXXX XXXX XXXX  Account Status : Charged Off Balance : {$1300.00} Past Due Amount : {$1300.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : XXXX Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : COLLECTIONS Balance : {$630.00} Past Due Amount : {$630.00} Date Opened : XX/XX/XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INCORRECT EMPLOYER : XXXX XXXX XXXX XXXX INCORRECT NAME XXXX XXXX XXXX XXXX I understand that these accounts may have negatively impacted my credit history, and I am working towards resolving any outstanding balances and improving my credit standing. If you require additional information or documentation regarding these accounts, please feel free to contact me. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings against them for similar violations. request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. 
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 XXXX XXXX XXXX XXXXXXXX XXXX
Product: Checking or savings account

Theyve had claim number XXXX for months, at Bank of America, now they say they cant pay.
Product: Debt collection

I had been getting these phone calls constantly from a number in Illinois. I am on the national do not call registry, so l never answer these. I was getting angry, so l answered it and asked who they were and why were they calling me constantly. They had my name and Social Security  Number. Th e said they where from  ARA Inc.  - Asset Recovery Associates and they were trying to settle a debt on a credit card from 18 years ago. I owed about {$2300.00} and they were settling for {$920.00}. l was very suspicious and questioned them every way l could think of. They seemed to have all the right answers. I had the money and decided to pay the debt off by debit card over the phone. They were going to overnight mail my confirmation letter with my release of liability. After 2 days it did not come. They told me to fell free to call if l had any questions @  XXXX   XXXX   XXXX   XXXX . I did and it rang funny and never connected. The transaction over the phone happened  XXXX   XXXX ,    2017 and the  first phone call back was the  XXXX  of  XXXX .   On the  XXXX , a  XXXX   County Sheriff s howed up at my door and told me that my confirmation letter was mailed to someone else who a few weeks earlier was scammed by this same company for credit card debt over  15 years old . Her name is  XXXX  and can be reached @  XXXX   XXXX   XXXX   XXXX . My letter was addressed to her with my information on the letter head.   This company collects your old debt for themselves. Who knows how many $ millions they have taken from people?   I would like my money back if it really did n't clear my debt. L have pictures of the documents and times and dates and names of all the people fr om ARA Inc. l   spoke with. Thank you.
Product: Student loan

I have tried to set up auto pay twice so I can receive the 25 % discount w/o success ; I have receipts showing that I attempted to set up auto pay and auto pay has yest to be set up! 
there was a previous complaint against nelnet and nelnet has not replied! they are completly failing to respond... 
this is the previous unanswered complaint # XXXX
Product: Debt collection

My son had XXXX XXXX at XXXX Hospital. Several the XXXX were paid in full with exception of the co-pay, which I mailed in when I received the bill. Some of the XXXX was not paid by my insurance because of a coding and billing issue at XXXX for the exact same services, different day as those that were paid. Many of my co-pays were mailed back to me in the form of a check from XXXX, my guess is they did n't know where to apply it. They had a terrible accounting system where they could not look up my sons name and tell me which invoices were paid or not paid, owed on or paid in full. I had to present an invoice number if I wanted to know about anything owed, this was a problem as the bills XXXX  sent were sporadic and sometimes months after the fact. This all happened between 2014 and now. I had to withdraw much needed treatment for my son because so many of the bills were not paid by insurance even though his service should have been covered, it had just been billed incorrectly. I have spent days and days on the phone to get this cleared up but XXXX 's staff turned did not know what to do and I the staff turnover there was so high I would have to talk to a new person every time I called. This is for XXXX Hospital, Syndicated Office Systems and Central finance control and all Credit Reporting Agencies, XXXX, XXXX, XXXX.
Product: Debt collection

i get a call every day - I have spoke several times to stop calling my number if you need please contact me at my phone number - they will NOT stop calling and they call during the day while I am at work
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Bankruptcy chapter XXXX-discharged XXXX for months.XXXX and XXXX have Deleted them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Vehicle loan or lease

On XX/XX/XXXX I XXXX XXXX sent XXXX XXXX CFO of Exeter LLC an Endorsed bills of exchange and tender with instructions to apply the Principals Balance to the account # XXXX for set off. XXXX XXXX had 5 days to respond in which he did not. Again on XX/XX/XXXX I sent an Opportunity to cure for you not responding in the first 5 days addressed to XXXX XXXX, in which again he was sent Instructions ( tender ) and a copy of the endorsed bill to set off the account. Again CFO XXXX XXXX ignored the Opportunity to cure. It is against the constitution to ignore my right to credit. I sent CFO XXXX XXXX A copy of the federal reserve section 16 stating Bills of exchange is legal to use. XXXX XXXX has defaulted in his Obligations and duty to make sure my account was taken care of. It also states applications are exchanged for notes applied for, so i'd like for XXXX to apply those notes to settle the account. 

According to the Federal reserve act, This is Breach of Contract. XXXX XXXX has breached his fiduciary duties. All Im asking is for XXXX to Apply the principals balance to the account for set off. XXXX XXXX and Exeter is injuring me by ignoring my instructions to set off. Injuring me by denying me my rights. 

On XXXX XXXX Exeter received a security collateral ( The collateral security thus offered shall be notes, drafts, bills of exchange, or acceptances acquired under section 10A, 10B, 13, or 13A of this Act, or bills of exchange endorsed ) from XXXX XXXX, on XX/XX/XXXX XXXX XXXX CFO for Exeter received instructions to apply collateral to set off account, also received a bills of exchange endorsed. He also received a Power of attorney. XX/XX/XXXX he also received an Opportunity to cure. 

According to the federal reserve I can choose between Tier 1,2, or 3 in which Civil penalties apply. 

Tier 1 - is {$5000.00} a day for ignoring my first letter to apply principals balance and bills of exchanged Tier 2- is which violation, practice, or breach -- is part of a pattern of misconduct; sent an opportunity to cure and again he ignored my request. Seems like a pattern to me. 

Tier 3- knowingly -- commits any violation described in subsection ( a ) ; engages in any unsafe or unsound practice breaches any fiduciary duty and Breach of contract I will be going with tier 3 since XXXX XXXX CFO of Exeter is Knowingly violating my rights. Tier 3 is {>= $1,000,000} a day I'm owed by XXXX of Exeter until this matter is settled. 

I have sent XXXX a Notice of default. He has 5 business days from XX/XX/2023 to settle the matter. XXXX out the account and make sure it shows on my credit report. No late or missing payments. I want XXXX XXXX to respond in 5 days why he won't honor my request yet again.
Product: Credit reporting or other personal consumer reports

A FRAUDULENT APPLICATION FOR A CREDIT CARD WAS SUBMITTED TO CAPITAL ONE BANK ON XX/XX/year>. I REPORTED THIS AS FRAUD IMMEDIATELY TO CAPITAL ONE. THIS RESULTED IN A HARD INQUIRY ON MY CREDIT REPORT. I HAVE DISPUTED THIS WITH ALL XXXX CREDIT BUREAU 'S BUT XXXX REFUSES TO REMOVE IT. I HAVE REPEATEDLY CONTACTED CAPITAL ONE WILL NOT PROVIDE ME WITH ANY DOCUMENTATION THAT THIS APPLICATION WAS FLAGGED AS FRAUD. HOWEVER, THEY KEEP TELLING ME THAT THEY SUBMITTED DOCUMENTATION TO THE CREDIT BUREAU 'S AND REFUSE TO PROVIDE ME ANY DOCUMENTATION. I HAVE REPEATEDLY CONTACTED XXXX AND THEY KEEP TELLING ME THEY HAVE NO DOCUMENTATION AND/OR IT COULD TAKE UP TO 90 DAYS. HOWEVER, IT IS WELL BEYOND 90 DAYS AND THE INQUIRY IS STILL PRESENT.
Product: Checking or savings account

I received notice from Wells Fargo on XX/XX/2017 that my account XXXX was being forcibly closed and consequently discontinued all use and access of the account. Three years later, on XXXX/XXXXXXXX I received notice of a deposit hold for the same account XXXX, indicating that the account had been used by unauthorized others since its reported closure. The only possible reason for others use of this account would be for the deposit of payments intended for me, either checks stolen from my Mail or misdirected wire transfer payments and the subsequent expenditure of the funds without my knowledge. Theft
Product: Credit reporting or other personal consumer reports

After thoroughly reviewing my TransUnion credit report, I was appalled to find serious inaccuracies that should have never been reported. These errors are more than simple mistakesthey are actively harming my creditworthiness and restricting my financial opportunities. I refuse to let misinformation dictate my future and demand an immediate, thorough reinvestigation. 

The following accounts require urgent attention : XXXX XXXX - XXXX - {$0.00} XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXXXXXX - {$14000.00} XXXX XXXX  - XXXX - {$9400.00} XXXX  - XXXX - {$8500.00} XXXX  - XXXX - {$2500.00} Under the Fair Credit Reporting Act ( FCRA ), I have the right to a fully accurate and verifiable credit report. If these disputed accounts can not be substantiated with solid, irrefutable evidence, they must be removed at once. This is not a requestit is a demand for compliance with federal law. Any failure to correct these errors will be considered willful negligence and will not go unchallenged.
Product: Debt collection

I disputed this account when I received an alert that it reported to my credit report. After some reset I learned that it was an alleged debt from  XXXX   XXXX . I requested validation of this debt. I have not had cable in well over 10 years with  XXXX . I need the original billing so I can take to necessary steps to file a police report for identity theft. It has been well past the 30 days and I have yet to receive any kind of documentation this is a valid debt for me.
Product: Debt collection

A man called and said he was with Dynamic Recovery Solutions ( he called my cellular telephone ) did not identify himself 'only that we wasnted to discuss a personal issue. 

I did not call back -after I read Ripoff report and all of the other compliants on line. They did not even say who they were calling for. 

Seems like a scam
Product: Debt collection

I notified the company to dispute debt they claim to be owed. They have not sent any proof of validation. I have requested proper validation and no response has been yet given.