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

XX/XX/2018 Dear Sir, I am a tenant at XXXX XXXX XXXX, XXXX   XXXX, XXXX, Minnesota XXXX. 

I paid my rent each month {$950.00} plus late payment fee.. 

Under Minnesota law, I am entitled to a receipt for each rental payment. I was not given any receipts and so with the deposit I made when I signed the lease. 

Universal Citation : CA Civ Pro Code 2075 ( 2016 ) Whoever pays money, or delivers an instrument or property, is entitled to a receipt therefore from the person to whom the payment or delivery is made, and may demand a proper signature to such receipt as a condition of the payment or delivery. 

I also need my rental receipt for my tax for this year. 

Further, I asked a proper signature to such receipt as a condition of the payment. As such, I request that they provide me with a signed receipt. 

As I am applying for XXXX Housing in XXXX XXXX, Minnesota, I was denied housing because of the Eviction they filed and was reported in my credit and personal file. This cause me great emotional distress. 

Tenant screening reports has been provided to me by XXXX XXXX XXXX  XXXX XXXX, Minnesota. 

I ask for your assistance to provide to me a written notice that there was never an eviction that took place, no SHERIFF OR WARRANT FOR EVICTION HAS TAKEN PLACE and the lease/contract has been fully paid in full. 

XXXX XXXX XXXX XXXX reported an eviction and I gets turned down for a rental application, and I believe I have been damaged and this is a serious offense. And I want REMEDY for every cause there is an effect. 

Accordingly the company misreported an eviction as I am not evicted and we did not breach the lease. There was no WARRANT FOR US FROM THE COURT AND NEVER RECEIVED ANY NOTICE FROM THE SHERIFF TO REMOVE US FROM OUR APARTMENT. I HAVE BEEN HARMED, DAMAGE AND CAUSE EMOTIONAL DISTRESS AND I WANT REMEDY.. 

Please help me get documentation that the contract and the lease has been paid in full and there is no outstanding obligation on my part from the Apartment Manager and that XXXX XXXXXXXX XXXX must invalidate and delete the file in my public records. 

The tenant screening companies are also subject to similar reporting rules under the Fair Credit Reporting Act. 

Anyone who falsely reported and damage my person, I will pursue legal action against the company for incorrectly reporting negative information that can affect loans and rental applications against my legal entity, XXXX XXXX XXXX, DBA.

A copy of the Court Judgement is hereby attached and the checks constitute delivery of the final judgement in court. There was no eviction and there was no warrant from the court and the sheriff. 


As such, I request that you provide me with a signed receipt upon receiving my letter. And I want a receipts of all the payment I made and with proper signature today. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple attempts made to contact company since XXXX to notify XXXX of the unauthorized inquiries as well as credit card ( XXXX XXXXXXXX XXXX  ). These do not belong to me. Find attached FTC ( Identity Theft Report ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Emails from Transunion that are unsolicited and attempts to stop them on line fail and attepmt to have Transunion stop them by telephone call I am told they have no control over them and I must do that on line.

As I say the online 'unsubcribe featuer in the email do not do anything but time out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian and XXXX verification letters regarding inaccurate letters that appears on my credit. They always said " Verified '' but never actually send me the tangible verification documents that say that debt belongs to me. I do not recognize them. I never signed up for them. 

I am requiring them to send me documents that those debts belong to me or I will be suing for having such information affecting my life and finances. 

Thank You.
Product: Debt collection

LVNV Funding has sent collection letters to me over the past XXXX  years for the same debt. Each time a letter is received, I have sent a request for validation. LVNV has never validated the requests. I have reached out to each credit bureau and advised them that the debt was not validated. The credit bureau removed the accounts in late XXXX. I have now checked my credit report and see that they have once again added collection accounts that have already failed to validate. All validation requests were sent via certified mail. Copies of certified mail receipts were sent to each credit bureau as proof of delivery. 

XXXX account has already been removed by the original creditor due to fraud. How are they able to keep collecting? 

How are they able to continue to collect by using different companies to represent them. XXXX. XXXX XXXX, XXXX, XXXX & XXXX. This is true harassment. ( XXXX XXXX allows you to dispute via their site. I only have documents to show that they reached. I am unable to view my disputes via their portal. However, it does show that they reached out at the same time as LVNV, which is a violation. ) At this point, I know that I am being harassed and my rights are being violated. 

Account number XXXX Collection opened XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account number : XXXX Collection opened : unknown
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the credito
r has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and th
is information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

Brief summary : I hired XXXX on XXXX/XXXX/15 for technical assistance and was charged {$140.00}. The service person failed to provide the solution and I spent the entire next day trying to contact her. I never could contact her and she never called back. I hired XXXX to resolve my technical issue which they determined was caused by a XXXX programming change. They resolved the issue. 
I sent email to XXXX on XXXX/XXXX/15 with my complaint and asked them to cancel my " subscription '' and refund the amount paid. My Discover Card ( Discover Financial Services or DFS ) bill dated XXXX/XXXX/15 billed me {$140.00} for XXXX. I promptly called to dispute the bill. 
On XXXX/XXXX/15 XXXX sent email to confirm that my subscription was canceled as of XXXX/XXXX/15. On XXXX/XXXX/15 DFS sent me a notice that the dispute was resolved in my favor. 
My DFS bill dated XXXX/XXXX/15 reinstated the {$140.00} XXXX charge. I called DFS to explain and complain ; on XXXX/XXXX/15 I sent requested supporting documents to DFS which they confirm having received. 
My DFS bill dated XXXX/XXXX/15 still showed the XXXX charge plus interest. I promptly called DFS to explain again. When told that they would not remove the charge, I asked them to cancel my account, which led to a transfer to a supervisor who promptly hung up on me. 
I called DFS again on XXXX/XXXX/15, explained again and was told that I had to pay. I told them I refused to pay and asked again to cancel my account, which they agreed to do. 
On XXXX/XXXX/15 XXXX sent a notice that they consider the transaction valid and would notify the credit reporting agencies of my refusal to pay the disputed charge. 

My dispute is with DFS : How can they expect me to pay a charge from XXXX that XXXX had already canceled? This is after DFS resolved the dispute in my favor and closed the investigation. This is DFS case number XXXX. I have copies of all statements and relevant documents. I will contact the credit reporting agencies to notify them that I refuse to pay XXXX for a service they did not provide and I refuse to pay DFS for failure to recognize an improper charge. I feel that DFS has abused the credit card relationship.
Product: Debt collection

Debt has been paid in full and was agreed to be removed from credit report as well as rental history.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$1200.00} XXXX  XXXX Balance : {$5500.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with Capital One causing my credit report to reflect my account being 3 payments late and a drop in my credit score.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you of a serious issue regarding my credit report and to seek your assistance. I have been a victim of identity theft, and as a result, fraudulent accounts have been opened in my name with JPMCB ( Chase ). Despite providing XXXX with documentation from Chase confirming that these accounts are not mine, XXXX has refused to remove the fraudulent accounts from my credit report. 

The accounts in question are as follows : JPMCB ( Chase ) Account Number : [ insert account number, if known ] Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S. Code 1681i ), credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information on their credit report. XXXXXXXX XXXX and XXXX refusal to remove these fraudulent accounts, despite the evidence provided, constitutes a violation of this requirement. 

XXXX 's and XXXX actions have caused significant harm to my credit standing and have prevented me from accessing credit and financial services. Moreover, their failure to comply with XXXX XXXX compliance guidelines, which are their own industry standards for accurate credit reporting, further exacerbates the issue. 

Given that Chase has already confirmed that these accounts are not mine, I am requesting the following actions from Chase : Reaffirm the invalidity of these accounts and communicate directly with XXXX AND XXXX to ensure the immediate removal of the fraudulent JPMCB ( Chase ) accounts from my credit report. 
Provide assurance that these accounts will not reappear on my credit file in the future. 
Assist in ensuring that all negative information related to these accounts is removed from my credit reports. 
As a victim of identity theft and a concerned consumer, I am deeply troubled by XXXX 's and XXXX  failure to comply with their legal obligations and protect my financial information. I urge Chase to take swift and decisive action to rectify this situation. 

I have attached copies of the relevant documentation from Chase, including any correspondence that confirms the fraudulent nature of the accounts. Please confirm receipt of this letter and provide me with updates on the actions taken to resolve this matter. 

Thank you for your attention to this urgent issue. I trust that Chase will act promptly to assist me in resolving this matter.
Product: Mortgage

This account was paid off in full on XX/XX/XXXX by refinancing the property with a new XXXX XXXX Deed ( ref attached payoff demand, wire transfer confirmation and recorded XXXX Deed of Trust ). 

The payoff demand included several items of overpayment which PHH has not refunded to borrower XXXX XXXX XXXX. 

The first item consists of three days interest at {$62.00} per day for a total of {$180.00}. The payoff demand was for interest through XX/XX/XXXX but the actual payoff was made on XX/XX/XXXX. 

The second item consists of charges from pursuing a fraudulent foreclosure action after the loan was paid off. These charges total {$2900.00}. 

The third item is for flood insurance premiums paid through the PHH escrow account for 14 months of coverage after the loan was paid off on XX/XX/XXXX. The attachment titled PHH escrow account summary shows a payment of {$920.00} for the period of XX/XX/XXXX through XX/XX/XXXX. 

In addition, XXXX months premiums ( {$150.00} ) from the policy providing coverage for the period from XX/XX/XXXX through XX/XX/XXXX should be refunded since the mortgage account was closed out two months prior to the expiration date of that policy.

Also attached is a copy of the payoff demand made by PHH on XX/XX/XXXX in the amount of {$490000.00}, almost XXXX months after the loan was paid off. At that point, I retained an attorney to get the fraudulent Trustees Sale cancelled. PHH finally cancelled this sale on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent Accounts have been attributed to my file that were opened by a thief and not me. 
XX/XX/XXXX {$6500.00} XXXX XX/XX/XXXX {$430.00} XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XX/XX/XXXX {$25000.00} XXXX XXXXXXXX XXXX XXXX XXXX
Product: Debt collection

I received a letter from Certified Solutions stating I had an account that.was placed for collections. The letter listed a date of service, an account number, my name, a file number, and the balance due. In the body of the letter the was also a phone number to call Toll free for questions and a 24 hour automated customer service number. No where in this letter was listed thr name of the original creditor. So I called the toll free number and was told to hold for a person then the line was disconnected I tried this 2 times. Then I called the 24 hour line and was asked for my account number, which I put in, per the letter, then it asked me for my last 4 of my social security number. Well I don't give that out without more information so I hung up. I have 2 different letters with 2 different dates of service with no creditor information on them how can I verify that this is even my debt like this? XXXX  there is no information of how i can dispute the debt.
Product: Credit card or prepaid card

My Wallet was stolen with all my information in it including id and debit cards, credit cards. And today I received an email that someone had open a discover credit account today XX/XX/21 under my name using my ssn. The fraudulent application and card is opened under my name
Product: Debt collection

I am writing to dispute the inaccurate reporting of medical debt on my credit report. Upon reviewing my credit file, I have identified several accounts that violate the Consumer Financial Protection Bureau 's ( CFPB ) final rule under Regulation V, effective XX/XX/year>, which restricts the reporting and use of medical debt information. 

See Attachement
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see pages 4 and 5 of the attached credit report. ) I have already called XXXX XXXX XXXX and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX, however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting or other personal consumer reports

Reinvestigation follow up dispute I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX. Account XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Student loan

When navient was still XXXX XXXX I applied to release my co-signor. They told me that I had to make XXXX consecutive ontime paymentsand my previous XXXX payments did not count because I had a forberanace after that. 
I made all XXXX payments, in fact, at this point I have made close to XXXX consecutive on time payments and now Navient refuses to release my father as the co-signor. My loan with Navient is the first thing I pay each month and it is in automatic payments from my bank account. XXXX XXXX agreed to release my father as co-signor and Navient should have to hold up the verbal promise that was made by XXXX XXXX. Navient is telling me it is in their discretion to release co-signors, but that is not what XXXX XXXX told me. Not to mention that is breach of a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to Experian. I sent them a police report identifying the XXXX XXXX XXXX account, and the other supporting documents that they require. Experian has refused to follow FCRA 605B and delete the fraudulent information that is identified in the police report. I sent it more than 30 days ago. 

The XXXX account that must be deleted and blocked for identity theft is XXXX opened XXXX XX/XX/2012 and it has a fraudulent balance of {$4500.00} on it. I have also provided the police report and my statement to XXXX about this account and they refuse to follow the FCRA and remove it as fraud as they are required to do within 4 days. 

It is becoming a common problem that Experian refuses to follow the law, and they are acting to harm consumers knowingly and willingly. XXXX is also particularly bad at following the law and removing fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

9. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 10. Identity Theft XXXX  XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Checking or savings account

XXXX My XXXX Husband was subject to XXXX discrimination at CHASE BANK XXXX XXXX XXXX Washington. XXXX XXXX, XXXX XXXX and I complained about this treatment. Extra identification asked for. Stalled deposit. Etc. 
XXXX. 
A VETERAN XXXX, had XXXX during pandemic. On XXXX  and needed power paid. He was CHASE customer too. I begged CHASE to help XXXX XXXX get his power paid and he wanted a headstone. Chase told XXXX police and adult protective services that we may have harmed or Killed veteran WE PAID to feed since XXXX. Falsely and With malice made up stories to have Police check on XXXX and investigate ALL our accounts. Which showed we didnt not take advantage of XXXX. XXXX told police that he wanted to transfer to my chase all his money. Im old school wanted check paid directly for two bills. I said NO to transferring me money. CHASE denied POA from me. Then AGAINST THE XXXX NURSES wishes CHASE and a neighbor set up to bring veteran XXXX XXXX into XXXX XXXX XXXX with XXXX and XXXX XXXX became joint Account. XXXX was on XXXX XXXX. XXXX  XXXX patches. XXXX XXXX XXXX. 
Our area was epicenter. Pandemic XXXX no immune system. Dangerous and wrong. XXXX and chase bounced care giver XXXX walls paychecks. XXXX took thousands from XXXX. We feel CHASE employees intentionally mislead police and XXXX about the ask for CHASE to work directly with XXXX via XXXX camera and I brought his debit card and expired license and veteran ID. XXXX ASKED me to show them video and ID to get them to help him. XXXX died 2 weeks ago CHASE cheated him out of his headstone and chase employees helped the veterans money to be accessed by a person who took thousands. 
CHASE bank seems to think this is all fun and games and they have the power and right to lie about customers. Not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be validated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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: Vehicle loan or lease

Ally Financial received a payoff for a totaled vehicle in the amount of {$16000.00} on Monday XX/XX/2019 at XXXX XXXX. Signed for by XXXX I have repeatedly called and for some reason they will not mark the loan paid, they are telling me something along the lines of this process takes 7 days. 

This is ridiculous, they have their funds, they need to release the loan, so I may apply for a new loan and go buy a new car.