23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

on XXXX the XXXX morning a representive from the office called me asking me about my rent. I told them I get paid on Thursday on the XXXX of XXXX ; thats when my lease up. I paid them then and I also ask the Secretary can shes ask XXXX XXXX the apartment manager to call me so I can ask about month to month payment because I didnt get the house because I had a old truck payment and since they close the office from COVID and she said she will. So the next morning the secretary call me back and said that I couldnt do month to month payment because I sign an agreement .I wrote that Ill be buying a house on this date and not signing my lease over and plus she already had a tenant moving in soon and they have to come in and clean the apartment. The next morning XXXX XXXX XXXX called said, that they will have someone to escort me and my XXXX daughter from the property along with my things if we are not out today. My daughter was XXXX at the time that we have to move out, now even tho my lease is up on the XXXX. well, I told her I didnt have anywhere else to go. She told me Im not obligated to stay there. I had to move out now. During that time I had to leave work early find some movers, get a XXXX, thank God for church members, family, make arrangements to turn my lights off, and find friends. I had to pay to get out soon and pay the movers. I was pregnant and had a XXXX daughter with me and loss of pay from my employer downsizing, I cleaned the apartment left nothing. When I was done loading up my truck the cop ; my neighbor said you're moving out. Im like no they are kicking me out after 3 years he told me they are not supposed to do that due to laws enacted for renters due to the pandemic and that I should not have taken my stuff out because they are not supposed to put anyone out during COVID. I was afraid my things would be put outdoors after the threat I received from the leasing office. They were horrible. I told him what was I supposed to do when my door be open every time I get home from work. He was in shock as I was -nobody has my key so who else come in there and unlock the door and leave it. So he told me that I can stay in his daughter 's room. And XXXX be at work all night so you will be safe here because he didnt want me to sleep on the floor. All that night I was calling last min family to see who house I can stay in. I thought the situation was over until I noticed a debt of {$2400.00} from The XXXX apartments. I was shocked to see the amount and what the charges are for. The charges that XXXX has listed in the collection with XXXX XXXX are inaccurate. The only fee I should have is {$300.00}. I was harassed in front of my daughter, mistreated then charged with bogus charges. I lived on this property for 3 years and I never negated my financial responsibility. I am struggling since COVID with my wages drastically reduced and I just want to be treated fairly.
Product: Credit card

This account was closed by me once it was determined that I had a {$65.00} annual fee on a card that only had a {$500.00} credit limit. I never used the card, however I still paid the {$65.00} for the XXXX XXXX ( As I just go through and pay my cards monthly, not realizing it was a card I canceled as soon as I received it and its terms. ). I have sent them another message on their website repeating that the account had been closed a XXXX ago, yet I still receive a payment reminder and it currently shows that I need to pay the {$65.00} annual fee for the XXXX XXXX
Product: Credit card

I would like this inquiry deleted, I did not authorize this company to run my credit.
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition, I did not give you Equifax permission to furnish this this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX XXXX XXXX XXXX, Texas XXXXXXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX XXXX, PA 1XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : Account Name : XXXX XXXX. Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Account Name XXXX XXXX Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609. 

Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the e-Oscar system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Product: Debt collection

XX/XX/2020 : Myself and my parents were called on XX/XX/2020 by XXXX XXXX XXXX and told that I had a debt from a credit card company, XXXX, that was now in litigation and that I had a court date. They claimed that I had over $ 2k in debt and that my court date had been set. After inquiring a lot on my part, XXXX XXXX ( my " account manager '' ), told me that if I were to hang up the phone I would lose all access to my settlement of {$750.00}. I asked to speak to someone else as I was weary of giving personal info over the phone, she sent me to a man, her senior manager, and he directed me to XXXX to enter my info. I was told that I would be sued if I didn't settle today so after a lot of badgering and threatening, I agreed to give my debit card info via the website. 
XX/XX/2020 : After calling my credit company, I found out that Radius Global held my debt. I called them and I settled my real debt for {$380.00} on XX/XX/2020. I called XXXX XXXX XXXX  back in the meantime and spoke to the exact same two people that I had gotten on XX/XX/2020. XXXX immediately passed me to her " superior '' and he told me that I was wrong and that I was to be sued. He got progressively angrier at me as I questioned him and told him that I would be reporting him to my bank and the CFPB. At this point he began talking over me, threatening me with a court date and " expediting my case to the court '', yelled at me for siting untrue laws and then immediately hung up on me. During his rant, he told me he would refund my fees ( this did not happen ). I have since cancelled the related debit card, paid off my real debt and reported them here. I am waiting on the first payment to be disputed and returned. This is a scam based out of Georgia, be aware, they had ALL of my personal info, more than enough to be legit. But their website is from 2020 and the XXXX  has no record of them. Phone number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later, I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the wrong hands of the wrong person
Product: Checking or savings account

I am a student and my school forces students to go through this bank for my federal financial aid disbursement. An account was opened without my consent and I was supposed to be sent a bank card to access my account. This card was never sent to me. When I contacted Bank Mobile they said they were going to charge me {$10.00} each time I request a card, as a " replacement fee ''. This is not a replacement, I have no card and can not access my money. So I attempted to transfer the money out of the account, but the system will not allow me to without the pincode from the card that does not exist. The system has now locked me out of the account, and I can not even see it, but it STILL has my money in it, and I STILL have no bank card, and no one at customer service is providing any resolution.
Product: Debt collection

I recently signed up for a solar loan with Dividend Financial. The installer installed the solar panels but has not passed the city inspection. I communicated to the lender that the installer has not completed the project because the panels may be a fire risk or pose a risk to destroy my property without the city 's approval. The lender routed me to their Project Resolution Department, with an individual named XXXX XXXX I have been working with the solar installer to complete all the steps and set times to have my solar panels pass inspection ; however, my understanding of the loan docs is the panels are not installed until the city approves the installation. Moreover, the solar installer said they would cover the monthly payments until they completed the project and received approval from the city. 

The lender, Dividend Financial, said that because I have been in contact with the installer that they would not keep my case open and would not help me in the future because I'm in contact with the installer. Additionally, the lender said they would not confirm whether the installer will pay directly or I will have to pay and the installer will reimburse me.
Product: Debt collection

I repeatedly asked for verification of this debt to prove that it was indeed mine. I have net received any proof that this is my debt. All that is sent to me is a previous bill that was issued. Once a fraudulent account is open of course there will be a bill generated that dies not provide verification that the debt is valid. Please delete from all credit reporting agencies at once and stop violating my rights
Product: Credit card

Some suspicious activity happened on XXXX XXXX XXXX Someone applied Chase credit card and XXXX XXXX XXXX XXXX without my knowledge and they both got denied and after 2 days when I looked the letter from Chase bank and XXXX credit bureau report, there was an hard enquiry for the credit card application. So, I have reported this suspicious fraud identity theft activity to Chase bank, XXXX credit bureau and XXXX XXXX XXXX  on the same. Now, after reporting to them, they have cancelled the application as a suspicious fraud activity.
Product: Debt collection

The company called me asking me if I knew certain names I did not. They asked was my social XXXX it did not match mine! They have placed it on my credit report and the debt is not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report from XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of XX/XX/2022, the XXXX, XXXX, and TransUnion Credit Bureaus have not responded nor answered to my disputes. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the following accounts as I believe these are reporting in error. 
XXXX XXXX XXXXXXXX Balance Owed : {$520.00} ; XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX Balance Owed : {$4000.00} ; XXXX XXXX Balance Owed : {$8600.00} ; XXXX XXXX XXXX Balance XXXX : {$6400.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; and XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Debt collection

I am filing a formal complaint against Capital One for violating the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( a ) ( 1 ), which prohibits debt collectors from contacting consumers at times or places known to be inconvenient. 

On XX/XX/year> at XXXX, I explicitly instructed representative XXXX XXXX agent ID : XXXX ) of Capital One via phone call to communicate with me only on Mondays between XXXX XXXX  and XXXX XXXX.Despite this notice, XXXX XXXX agent ID : XXXX ), a representative of Capital One, contacted me on XX/XX/year> at XXXX regarding a debt collection matter. This call occurred outside the permitted window and disregarded my prior instructions.The unsolicited contact caused unnecessary XXXX  and disruption to my daily obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt was sent to collections without being informed of balance being due
Product: Debt collection

I keep getting calls from a number XXXX or XXXX claiming they are Integrated services and that i needed to call a XXXX XXXX back. They wanted information on a XXXX XXXX XXXX and if i do not call them back to verify legal address then failure to provide formal statement. Then they would expedite verification of employment and liquid assets to avoid protocol to call XXXX XXXX immediately. 
When i call this number they do n't answer as a company. They just say hello. If they was a company why are they not answering as such and if i owed money it why are they so rude and wont tell me the name of there company that it could be anything and why are they asking me for my social and bank information. If this was a collection agency they would n't be asking me for this. Plus i would have gotten a letter from an attorneys office saying i had 30 days to dispute the claim. I have not received this letter. This is a scam call for my personal information and i want the calls to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon learning about the XXXX  security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XXXX XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights under 15 usc 1681 sec 602 states I have the right to privacy 15 usc 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instrution under 15uscs 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. capital one told me that this information is accurate and will not be deleted which is a direct violation of my rights under the fair credit reporting act. The dates are XXXX XXXX and XXXX XXXX. No action has been taken by capital one which is a direct violation of the law.
Product: Credit reporting

I have been a victim of identity theft and I have been trying to dispute inaccurate items on my credit report,
Product: Bank account or service

Hi yes my name is XXXX XXXX and On XX/XX/2017 at Chase bank XXXX XXXX XXXX XXXX XXXX, Ohio XXXX my bank information was changed to another address by Banker XXXX XXXX without my concent and therefore my bank statement which includes where I work and average monthly paychecks was sent to that new address an address by which was set up in there bank with my ssn and she gladly accepted it without verification. When talking with the bank manager XXXX XXXX the GM and XXXX XXXX the market director both were more concerned about protecting thier employee instead of their client. I Already filed a police report against the banker and the person who had my info forwarded to their address, and yet the bank thinks it perfectly ok to represent the public in such an illegal behavior, without verifying ID 's. XXXX XXXX said on XX/XX/2017 we always check ID 's to before we change an address. I can tell you now NO THEY DO NOT, otherwise the police would have be called from the getgo so I go around in circles with this bank as they fail to uphold the law which gave the bank authority to hold the publics money. They would n't even provide the federal agency that oversees any wrong doing only they would provide the headquarters number. I demand here that someone be held accountable, also I had a password set up and they even failed to ask the attempted Identify thief the security question. Should I get the FBI Involved?
Product: Checking or savings account

I opened a new account and subsequently had my brothers XXXX  money into my account... mind you, my brothers, family, same last name. Once funds were received I proceeded to XXXX back {$100.00} back to my brother as well as a XXXX dollars to a friend..reason being I had not received my debit card so I was unable to actual book an XXXX, hence, me sending the funds to people who could facilitate for me... my account was locked after these attempts ... each time I contacted and went through the appropriate security protocols to authorize the transactions. At this point and at every subsequent " lock out '' there after, I was told to resubmit the transaction, which I did. Upon the last attempt my account was closed and my funds were seized and I was told they would no longer be available to me with no recourse for compensation. At the time of incident I had pending financial obligations that were limited to the funds, specifically a dentist appointment that was time sensitive. My account was closed on the basis of actions that were specifically dicated to me by the bank its self i.e. resend transaction. So essentially the same directives that were given to me are the same actions that premised the closure. But then, to ultimately seize my funds as well, is an egregious violation of any common sense under standing of any persons consumer rights. Additionally, I will be filing suit through the SOS states office for punitive damages for lose of monitory funds as well as time and being unconvinced. The attitude that was betrayed by the consumer representives was that they were too big of an institution to be held accountable. I beg to differ.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the cessation of reporting a late payment on my credit report. The late payment is associated with XXXX XXXX XXXX XXXX XXXX XXXX, an account I no longer have with the company, and I believe it is necessary to address the impact it has on my credit history, especially considering the challenges faced by everyone during and after the pandemic. 

To provide context, I want to emphasize that the late payment in question occurred over 5 years ago, and since then, I have diligently worked to improve my credit history and maintain responsible financial habits. Unfortunately, the lingering presence of this late payment has had a lasting impact on my creditworthiness and financial opportunities. 

Furthermore, the circumstances surrounding the pandemic have posed significant challenges for individuals across the country and around the world. The economic repercussions and financial hardships experienced by many during this period have been unprecedented. In light of these challenges, it is crucial for credit reporting agencies to exercise flexibility and understanding regarding negative entries on credit reports, especially those stemming from years ago. 

Considering the aforementioned points, I kindly request your assistance in ceasing the reporting of this late payment on my credit report. I no longer have an account with the company associated with the late payment, and its continued presence on my credit report creates an unfair representation of my current financial status and efforts to rebuild. 

I kindly ask that you review this matter with consideration for the hardships faced by individuals during and after the pandemic, and the impact it has had on their financial well-being. I believe it is essential to provide individuals with the opportunity to recover from such setbacks and regain financial stability without being hindered by dated negative entries on their credit reports. 

I kindly request that you provide me with a written confirmation once the necessary actions have been taken to cease reporting this late payment. Your prompt attention to this matter is greatly appreciated. 

Should you require any further information or clarification, please do not hesitate to contact me at XXXX or XXXX. I am committed to resolving this issue and ensuring the accuracy of my credit profile. 

Thank you for your understanding and consideration.