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

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so..Transunion failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( duplicate reporting ), and Chapter XXXX Bankruptcy Discharged XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX2020 my account was closed they didnt send an email or anything they told me I could cash out by adding a new card or account to the account I have done so and they said they couldnt link the account I have been emailing them every week since. I have reached out via XXXX, and XXXX first they told me about the section they closed the account which still didnt give a reason to my account then after constantly writing them the saying Im going to sue them for keeping my money they blocked the transfer feature and now have my {$720.00} locked on that account I cant add a email or number to the account I dont want to log out because I wont be able to get back in the account. My account been closed since the beginning of XXXX its XX/XX/XXXX there isnt any recent transaction to go off. They are not responding anymore all I want is my money off that account
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX **Genesis Management LLC** XXXX XXXX XXXX XXXX, WA XXXX **Subject XXXX Dispute of Inaccurate Reporting** **Collection Account - Genesis Management LLC XXXX XXXX XXXX XXXX  To Whom It May Concern , I am writing to formally dispute the accuracy of a collection account reported by Genesis Management LLC ( Originator ) related to XXXX XXXX XXXX XXXX Furnisher ), which appears on my credit report. I am exercising my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
According to Sections 1681i and 1681s of the FCRA, consumers are entitled to dispute inaccurate or incomplete information in their credit files. I am requesting a reinvestigation of the account referenced above.

The reported collection for Early Termination Fee ( {$460.00} ) and Past Utility Bills ( {$140.00} ), totaling {$620.00}, is inaccurate for the following reasons : 1. **Letter from My Attorney** : A letter sent to the manager of XXXX XXXX XXXX outlining the reasons and conditions for my release from the rental agreement. 

2. **Response Emails from XXXX XXXX XXXX Manager** : Emails confirming my release from the lease agreement without penalties and the return of my {$300.00} security deposit. 

3. **Apartment Ledger/Lease Agreement** : Documentation confirming my payment of a {$300.00} security deposit and the conditions for its return. Additionally, the utility bills for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and the first six days of XX/XX/XXXX were billed after I vacated the premises. Despite providing my forwarding address on two occasions ( XX/XX/XXXX and XX/XX/XXXX ), I never received these bills. Therefore, the {$140.00} should have been deducted from my security deposit. 

This evidence substantiates my claim that no additional fees were owed upon my vacating the premises. The Furnisher has violated FCRA law knowingly and deliberately.

The Consumer Financial Protection Bureau ( CFPB ) has made it clear that collecting debts that are not owed or collecting incorrect amounts violates the FCRA.

I request the following actions : 1. Remove all reported information by the Furnisher and Originator from the credit reporting bureau promptly.

2. Take corrective actions to provide restitution by returning my security deposit, minus the cost of utilities. Failure to return the security deposit will lead me to exercise my right to sue for damages resulting from FCRA violations.

3. The CFPB should take regulatory enforcement action against the Furnisher for violating the law, including penalties and other actions.

I request a reasonable investigation into this matter pursuant to Section 611 and the prompt removal of this invalid collection from my file.

Thank you for your attention to this urgent matter. I look forward to the results of your investigation. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am unaware of this Debt I didnt have the proper opportunity to Dispute this Debt. I didnt receive proper notification if in fact you believe I received proper notification please provide the proof of the Certified Mail With Receipt with my signature on there stating I received it
Product: Student loan

On XX/XX/XXXX, an unauthorized third party potentially accessed my data at the Department of Education that is protected by FERPA and the Privacy Act of 1974. There are multiple news agencies that have reported on this so the information on what happened is readily available.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that do not belong to me.
Product: Debt collection

This was a result of identity theft please remove from my Equifax account
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed that I had 4 Hard Inquires so I called the XXXX XXXX XXXX XXXX XXXX, I called the company and the rep. told me that XXXX XXXX ran my Credit on XXXX. I never gave this company any authorization to run my credit I was never in the store, I spoke with a finance manger XXXX, and he said that my son told them that I have him authorization, I told him that was not true and I will like for it to be deleted of my credit and he said he would do it because by son said it was ok, I also notice that they ran my credit with another company XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Contacted equifax on numerous occasions to have any blocks or freezes removed so that my credit report could be accessible and its still not accessible, Ive applied for a credit card and my report is still coming back as frozen
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was still found in my reports. The XXXX, Experian and XXXX Credit Bureaus has not complied with the FCRA 605B ( 15 U.S.C. 1681c-2 ), and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NAVIENT XXXX Balance Owed : {$6100.00} NAVIENT XXXX Balance Owed : {$2700.00} NAVIENT XXXX Balance Owed : {$5000.00} NATLCRSYS XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX Balance Owed : {$3100.00}
Product: Debt collection

The Law Offices of Emmet L. Goodman, Jr. LLC ( located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ) operating as a debt collector has attempted to collect by garnishment a ten-year old judgment that is barred by the Georgia seven-year statute of limitations arising out of a lawsuit that was not served on the Defendant. It is submitted that attempting to collect debts that are barred by the statute of limitation is a pattern and practice of this law firm as well as other debt collectors which should be barred as a deceptive practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Express Recovery is reporting erroneously on my credit file. I had recently checked my credit and noticed these debts. I never received any notices, calls, or letters about this debt. I called and paid this debt. When i called and spoke with them I requested the collection accounts be removed from my credit file since i was not made aware of these collections and they denied my request. I have now disputed it multiple times with the creditor directly and with the credit bureaus and the accounts remains on my credit file. I have called back and requested they remove this debt and have been denied every time. This is now getting in the way of me obtaining financing and i don't know how else to get this item deleted off of my credit file. I never received any notice of the debt or else I would have paid it before it even went to my credit file and ruined my credit. I have now paid and it is still ruining my credit. How can they even do this? I know that they have the power to add and remove items from credit and i do not owe them anything and it is not fair that they can continue to ruin my credit by reporting this collection THAT I DIDNT EVEN KNOW EXSISTED. I need these collections removed ASAP as they are affecting me when trying to obtain financing. I am ready to contact a lawyer if needed to fight this off of my credit. They have made various violations and should remove these debts from my credit file.
Product: Bank account or service

I signed up for a Citi checking bank account. There was a promotional offer advertised on their website with promo code XXXX. I fulfilled my obligations and met the requirements for me to earn the {$400.00} bonus. I waited the required time frame of 90 days and Citi has failed to honor the bonus offer. My request is for Citi Bank to honor the bonus by paying me my {$400.00}
Product: Checking or savings account

I lost my money in my bank account when they tried to change from XXXX XXXX to XXXX. When I called them they put me on around and sometimes put me on hold without coming back. 
FYI, I lost on my investment account with capital one investing for about usd 400. And I lost around usd 500 in my checking account with Capital one bank. 
I am registered in the institution as XXXX XXXX XXXX. 
Kindly investigate. My suspicion is they make a big mistakes on changing from regular systems to XXXX systems. 
Thanks very much for your attention Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some issues of unrecognized addresses and accounts reporting that do not belong to me. Please delete the following addressses : XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have a few problematic account that I have never done business with the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX  I believe that someone has used my name to open up utilities and cable in one of the fraudulent addresses above.
Product: Debt collection

On XX/XX/2021 I reached out to IQ Data International and requested they provide documentation that proves I willingly entered into a contract with them and to display the signatures of both parties involved. This company did not do that. Nor did they cease collection activities and reporting as federal law states until the requested proof can be provided. This company is harassing me and as mentioned in my first letter, I would seek assistance from CFPB & State Attorney should they continue to do so.
Product: Debt collection

So basically, they sent my information to third parties who were never authorized or allowed to have my financial information, and I had never worked for. 

I do owe the debt, but the contesting means is due to how they went about business, as well as the fact they went to a court without any notification at all and just showed up with a garnishment. 

And now their lawfirm XXXX XXXX, and XXXX XXXX. has the case, for which they deliberately refused to accept payment over the phone even when I had the entire balance in whole at the time. 

Refusing to take payment over the phone, and the online credit card system that they have would not accept my cards.
Product: Student loan

My student loans have recently been transferred to a new service provider, MOHELA. Upon restarting payments in XXXX. I have been diligent in making sure my automatic payments where established before repayment began. I also made an extra payment in XXXX to cover the interest that accrued for that month. When I logged into my account 2 weeks later, I noticed there was a balance of an additional {$50.00}. So, I paid the {$50.00} dollars at that time. From there, I fully expected for my automatic payments to take over and for my account up-to-date. I checked my account today and not only has MOHELA skipped a payment for the month of XXXX. They are incorrectly calculating the interest payment and applying my payment to the interest only. Nothing has been applied to my principle. I called MOHELA today, XX/XX/2023. After navigating through a series of convoluted auto responses for 20 minutes. I was able to request to talk to a representative to which I was placed on a 1hour and 30 minute hold. When I was finally able to take to a person. I detailed my issue and the rep and I both calculated what the interest should be. We both came to the same number. She then escalated it to another department who denied wrong doing. I would like for this company to be investigated and audited for negligent and erroneous loan mismanagement. As I type to compliant, I am currently still on hold waiting to talk to a supervisor. I have hold for an additional 2 hours and 30 minutes.
Product: Payday loan, title loan, or personal loan

I paid big picture loan ahead of time to avoid the interest. I was to have no balance left but on XX/XX/XXXX it was a balance of about {$79.00}. Now they're saying l owe them {$290.00}. I refuse to pay more because on a {$1500.00} loan l have paid back close to {$5000.00}. I have had enough.
Product: Checking or savings account

I have email alerts setup for any withdrawal/deposit on my checking account. I had 2 unauthorized charges for XXXX dollars each for a total of XXXX taken out of my checking account using my debit card information. Associated bank says they are authorized transactions even though I'm literally telling them they are not authorized. I went in the next day and got a new debit card with new numbers and filed out dispute paperwork. The vendor was XXXX which I don't use and had no bank cards/numbers on my XXXX XXXX account. 

I don't know the seller/merchant at all. Associated bank fraud department said because my address matched it must be a legitimate transaction even though I'm telling them it isn't. They also supposedly shipped something to my address via XXXX which I never received and was signed for by my apartment office which does not take packages since we have a package room. Absolute bare bones investigation from them no effort made whatsoever other than to contact the thief that stole money from my account and pretend it's legitimate so I can't get my money back. Also lost my statement and never filed second claim correctly until I pushed them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to remind the Credit Bureaus of their obbligation to comply with the Fair Credit Reporting Act section 605b. I have read that the Credit Bureaus are required to remove the items that resulted due to identity theft under the FCRA section 605b. But despite all my efforts to dispute the fraudulent information on my Credit Report, the Credit Bureaus have been ignoring my letters and did not comply with the FCRA regulation. I am inclined to pursue legal action against the Credit Bureaus if the Credit Bureaus fail to comply with the FCAR statute. I need the Credit Bureaus to remove the following items completely from my Credit report : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/2015 XXXX  XXXX Balance Owed : {$8600.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

I have a mortgage through Huntington and had setup a checking account with them as well for the purpose of having a Direct Deposit into the account in the amount of my mortgage to be swept out each month to satisfy the terms of the note. I received a call today from Huntington. After verifying who I am and saying she was with Huntington the very first question the rep asked me was " Do you have intentions on keeping your home at X address? ''. As it turns out there was a error with the online $ transfer from the checking account to pay the mortgage. I immediately gave her a check over the phone. When I asked why she would ask such a question the rep said that is how they are trained to start the call. This is a psychological game meant to infer that the bank has intentions of me NOT keeping my home. Its reprehensible to use such tactics on customers. I requested her supervisor who I was transferred to, XXXX, who confirmed that is how the reps are trained. He preceded to be trite and rude, but I 'm less concerned with the poor choice in supervisor staffing than I am with a large financial institution using psychological scare tactics in their call scripting on a massive scale.
Product: Mortgage

I paid {$1700.00} on XX/XX/2018. 
My escrow increased in XX/XX/2018 by approximately ~ {$57.00}. 
Instead of giving me credit for most of my payment and telling me that I missed my escrow difference. They did the following : -Applied the XX/XX/2018 payment to my principle -Charging me for two monthly payments -Charging me a fee of {$50.00} -They called me and threatened my credit I made a payment, but I don't think that I should have to make three payments to overcome an oversight of an escrow increase. 
The company is Arvest Central Mortgage. They are an untrustworthy group of hucksters.
Product: Student loan

I have been a XXXX  at XXXX for XXXX weeks now. i have filled out every form and application required from me to pay for my education and other expenses that are allowed to be budgeted into my student budget. i have not received one red cent from my college yet! i can clearly see that my money is ready and available to me. this is money i signed for using my social security number. i am also responsible for the repayment of all approved moneys. i do have bills that i am responsable for paying while i a XXXX XXXX XXXX at XXXX. my school is holding onto MY MONEY until i submit proof of graduation. so fine i have done this in more than once. now my school is claiming that they are not going to be able to accept my diploma because the school is not accredited. this is horse hockey!!! my homeschool located in XXXX texas is VERY accredited!!! now they want me to provide transcripts. this is just another hassle that i do not need to waist my time on. i could use my time more productively and wisely doing something else with higher priority. i do not feel my school is being as proactive as i am being at furthering my education as a single handicapped lady. nor has my financial advisor been forth coming and showing compassion about how my student accounts are being handled. now i did not lie about what homeschool i graduated from. this school is a REAL live place!!! i di not make that up either. there is alot of money that has been awarded to ME to pay for my education and other bills that play a very important role with my further educational costs. so instead of accusing me of falsifying a school. they should be helping me. not trying to set me up for failure. this is my money and i need it now!!!!!!!!!!!!!!!!!
Product: Money transfer, virtual currency, or money service

I was attempting to rent a room from XXXX but there was fraud. I was skeptical of the payment issue however the disclosures with Wise, the company I am submitting a complaint on, state that I could cancel within 30 minutes unless the money has been paid out. In the disclosures it states it usually Takes up to 4 working days. Because of this, I submitted the transfer with the understanding that I would have a cancellation window to verify the transaction. After confirming there was fraud. I attempted to cancel within minutes and was told it was too late because the money was sent in 4 seconds. I find this deeply misleading and unfair as it is clearly impossible to cancel in 4 seconds and the disclosures state that it takes 4 days. Now they are trying to hold me accountable while refusing to acknowledge that their process is deeply flawed.
Product: Debt collection

Wasn't originally informed I owed money. They just put it on my credit report. Multiple calls and text messages all different hours. Contacting my family members and friends Harassing them and me. I did not give them my family members number. Put my information out.Changing fees I don't owe. Committing fraudulent activities. They told me if I pay half of the debt they will put the other half on some else. The rental agreement was never signed by the other part on the lease. They forced his signature. I have multiple witnesses that he did not sign the rental agreement.
Product: Debt collection

A collection on my credit with this power company but they kept my deposit for the past due amount
Product: Credit reporting, credit repair services, or other personal consumer reports

A on authorize hard inquiry was made on my Equifax credit report by XXXX XXXX on XX/XX/2018. I have contacted XXXX XXXX as soon as I received the alert. I was told someone was trying to open an account but the information was incorrect so the account didnt go through. I was told the hard inquiry removed but it is still on my credit file.
Product: Consumer Loan

Went to purchase a vehicle at a XXXX dealership. I was approved for a lease with Toyota, and left with the vehicle. The next day I received a call that stated they were not able to secure the loan with Toyota as there had been a negative outcome to my last loan with Toyota. I was told that if you ever default on a loan with Toyota they will NEVER finance you again. To me this is a classic example of overt discrimination, as the default was in 2010. I have a reestablished credit history, to show that I am in a better financial situation.
Product: Debt collection

I contacted Midwest recovery systems on XX/XX/19, XX/XX/19 and again on XX/XX/19 concerning a fraudulent account that was placed on my credit report by their company. I have spoken to a representative and explained that this is a fraudulent account. I have emailed correspondence to include my police report, identity theft affidavit and a copy of utility bill and still this company has not responded to my concerns. This company never contacted me via written correspondence and illegally placed the information on my credit bureau report. The company status has been revoked by the XXXX XXXX XXXX.