23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Apartment complex, XXXX  @ XXXX in XXXX, GA, claims to have billed me for a cleaning fee of {$470.00} after I moved out. Upon move out, at their request when returning all keys, they were provided with a forwarding address to send any future correspondence. I never received any bill for this fee of {$470.00}. 60 days after moving out, I received a collections bill at the provided forwarding address. This was the first and only correspondence I ever received about this cleaning fee. 

I asked the collections company to verify this bill was legitimate as I was never billed directly by the rental property. They sent me a generic copy of a lease agreement that was unsigned and had no information related to my rental agreement. Further, I directly called the rental property to ask why I was never sent a bill for this fee and it was sent directly to a collections agency without giving me the chance to first pay them directly. 

Collections Agency : National Credit Systems, phone number XXXX, account XXXX
Product: Credit card

In XXXX of this year XXXX, I sent via registered mail [ RE XXXX XXXX XXXX XXXX ] a security to AND a FIRST NOTICE to Indentured trustee of Synchrony Financial / PayPay Credit Card XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXXXXXX, to apply as payment for account numbers : XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX with an INSTRUCTION letter to perform their duties per their Indenture agreement seen here in XXXX XXXX XXXXXXXX? XXXX XXXX under section 4.1 and in accordance with the Trust Indenture and Securities Exchange Acts. 

payment was not applied, and my instructions were not followed which are in line with the Indenture agreement. 

21 business days had passed and I sent out a SECOND NOTICE also via registered mail [ RE XXXX XXXX XXXX XXXX ] with the same instructions which was received on XXXX XX/XX/XXXX with no response from the COMPANY or the TRUSTEE with 21 business days allowed for a response. Attached is the second notice I sent to the TRUSTEE
Product: Debt collection

Insurance company should have paid this and i was told these debts were resolved and to disregard any bills sent to me. I never recieved any bills from the medical providers. I just recieved bills from debt collectors XXXX later, thinking by this time the insurance had taken care of it. Now these unresolved debts are affecting my credit score.
Product: Credit reporting or other personal consumer reports

Equifax has not fix issue I can not create account their excuse name not spell right send in info over phone spoke to supervisor id social was told problem solve you can create account back to same problem were not able to id you send in picture of id and social still problem not solve their respond were did you send it to its been 20 days from first issue know working on 15 days I send to address provided at time now giving different address to send to and send certified on XX/XX/XXXX I clearly explained to Equifax that I am in process of buying a home lender can not access my files I am in process with second lender they will not be able to access my report from Equifax need help please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED of identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge off and collections, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX NY XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the inquiries and erroneous personal information which were being posted to my report. Here is the list of items which were opened without my permission : 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  According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I found out they have a report on me without my consent, it has my social security number, my residence, account number information, etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I am puzzled why these accounts show up on my credit report out of nowhere.. IT must be that someone use my identity.. The accounts were fraudulently opened in my name..I did not make the charges ..I am requesting that the items be blocked to correct my credit report..XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX to opt out of all reporting after my initial acceptance for XXXX to report. In XXXX, a letter was sent to the company indicating to opt out from any and all authorizations, and I the consumer, have given you, written, unwritten, verbal and nonverbal, verbal per 15USC1602. My request for Opting out was on XXXX complaint and XXXX is ignoring my request and violating the law. 

After I sent the opt out request to the company,. The company is still reporting to the credit companies and affiliates without my consent. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' On that complaint, the company is denying me from Opting out " Company 's Response XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX RE : XXXX card account ending in XXXX Consumer Financial Protection Bureau Case # : XXXX Dear XXXX XXXX : We are in receipt of your recent correspondence to the Consumer Financial Protection Bureau ( CFPB ). To ensure your concerns are properly addressed, your correspondence has been forwarded to my attention at the Executive Office of Customer Advocacy within XXXX. According to our records, we responded in writing to both you and the CFPB on XX/XX/2024, regarding your case number XXXX. In that response, we advised that we have confirmed we are accurately reporting your account history and status to the credit reporting agencies. As such, we are unable to honor your request to remove your above referenced account from your credit files as it is a factual representation of what occurred, and we are obligated to report true and accurate information to the credit reporting agencies. I have enclosed a copy of our prior response for your records. Please be assured that this matter has been given our full attention and a thorough investigation into your concerns has been completed. Please understand that since we have addressed your concerns and until any new information is provided, further communication regarding this matter may not be acknowledged or receive a response. Should you have any questions or concerns, please feel free to contact me at XXXX. I am typically available XXXX XXXX XXXX XXXX  ( ET ). Sincerely, XXXX Executive Office of Customer Advocacy Enclosure CC : CFPB
Product: Debt collection

On XX/XX/XXXX, I received a call from XXXX XXXX with Radius Global Solutions. XXXX stated that he was attempting to collect a debt in the amount of {$660.00} that was incurred on XX/XX/XXXX ( 2.5 years ago ) at the office of XXXX XXXX. I asked who the creditor was and XXXX said it was XXXX. 

I advised XXXX that I previous sent XXXX a certified letter explaining that this alleged debt was from a XXXX XXXX performed at my son 's pediatrician 's office and not at XXXX. I further explained that even if the pediatrician 's office sent the XXXX to XXXX, XXXX was within our insurance network and tests were covered at 100 %. XXXX stated that his information showed that the {$660.00} was " patient responsibility '' according to info. in his system from " XXXX '' ( which he said was XXXX XXXX ). 

XXXX further stated that his company began collection on my date as of XX/XX/XXXX and that before then it was collected on by another company for six months but he did not know what company that was. 

XXXX said that this account could be reported to credit reporting agencies. I advised XXXX that I wanted him to validate the debt, for his company to cease calling me, and for the company to note that I dispute this debt should it be reported to a credit reporting agency. 

I do not owe this debt. First, I did not agree to have XXXX XXXX provide services to me and XXXX will find no agreement between XXXX XXXX and myself. I agreed to receive lab services from the lab in my son 's pediatrician 's office, which were covered at 100 % by my insurance company. Second, under my then-current BCBS insurance plan, all XXXX XXXX costs should have been paid at 100 %. Therefore, it is my assertion that this is AN ATTEMPT TO COLLECT A DEBT NOT OWED in violation of the Florida Collection Practices Act and the Fair Debt Collection Practices Act. 

I hope that you will be able to assist with resolving this matter. 

Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

i got a copy of my credit repor not to long a go and i saw multiple accounts listed there and y never applied for never used and never profited from accounts it conseques of indentify theft accounts are listed below 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: Credit reporting or other personal consumer reports

I have been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have always XXXX XXXX XXXX XXXX This issue is affecting my credit score. I need this issue fixed.
Product: Credit card or prepaid card

I have two balance transfers through Discover. One is due on XX/XX/XXXX and one is due on XX/XX/XXXX. I recently made a payment of {$2000.00} on my account so I could pay off the amount that was due on XX/XX/XXXX. I checked in today and Discover told me I have an active balance of {$1600.00} on the balance that is due on XX/XX/XXXX. I think, well, this can't be correct. It turns out they applied my entire payment to my OTHER balance transfer, the one that is due a year from now. I went through a representative who wasn't able to help me and spoke with " XXXX '' from XXXX, AZ. He assured me that this is normal and that there is NO WAY to either reverse the charge or apply it to the correct balance. He also told me that there is no way to PAY on that balance, until the entire balance on my balance due in XXXX is paid which sounded even more ludicrous. I asked several times if there was any way he could help me on this and he just kept doing a copy/paste job on what on some scripted text they have. Even after I told him my family would go hungry if I had to pay an additional {$1600.00} on top of the {$2000.00} I already gave the company that month. He kept stating there was nothing he could do. Then after doing some XXXX searches, I found you, you can indeed request the company to reverse your over payment back to your bank account, I told XXXX this and he said " well I didn't think you would want that option ''. Long story short, I'm supposedly getting the {$2000.00} sent back to my bank account, so now I can wait till my balance transfer expires and then and only then I can make the full payment on it. This entire thing made me super skeptical of Discover 's business practices. They're definitely using some loopholes to benefit themselves over the customer and instructing their supervisors to not budge or refund money unless explicitly asked. Once my account is paid up I will be closing this card and running far far away from Discover. Your company can do better than this. I will likely now have a ding on my credit report for letting the balance transfer " expire '', but they've literally given my no other option than to pay the entire balance in full. Very deceptive, predatory practices. XXXX also refused to give me contact information when I wanted to file a formal complaint, so here I am on consumer finance.
Product: Checking or savings account

I've been with Chime since XXXX. Ive noticed how my transactions would pend and charges would be took twice & somehow money would disappear/vanish or lessen quickly especially when I receive my tax refunds. The funds total are never added up correctly in the yearly statements nor does it show accurate time. XX/XX/XXXX I received {$12000.00} from the irs and really noticed how my money would leave quickly once received. Chime representative explained that charges would pend after being took on that current date but will evidently clear but their fraudulently charging you twice, hiding & adding their own fees .. Last year I got {$4400.00} from irs & seen some money disappear during a withdrawal. BUT- I finally seen and got proof about XX/XX/XXXX when I received XXXX {$1200.00} on XX/XX/XXXX & XX/XX/XXXX but once I spoke to a representative Chime accused me of being wrong about the transactions, chargers and changed the amount of money and transactions therefore I didn't call about my child support money I received {$10000.00} XX/XX/XXXX because I didn't want them to change any transactions. I misplaced my Chime card therefore I sent nearly all of my child support money to my mothers Chime card thinking it would make a difference but unfortunately it didnt. Transferring money would freeze & money was fraudulently took. Chime can never tell you what exact time the purchase took place nor what the money was spent on!! 
XXXX claims I spent {$10000.00} with transfers and purchases in ( XXXX & XXXX ) and that my mother spent a total of {$12000.00} but how if I sent my money to her and she didnt receive any funds from no one else? 
Chime is also on my credit score for no apparent reason and I was unaware that Chime savings account charges interest!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity bank is the servicer for XXXX XXXX XXXX credit card, I have never been late and my balance is below {$100.00}, yet they are reporting me 60 days late at all 3 bureaus and they i owe them upwards of {$400.00}. I was able to speak to a supervisor about the promotional balance and there is a current dispute on the account to fix it but when i stated that comenity was reporting me late at the bureaus, she advised she was unable to fix. would like a call from the company and would like the problem fixed
Product: Credit card

I applied for the Synchrony bank credit card through Ashley furniture online on my personal computer so I could purchase a bedroom set. I was approved and proceeded to place my order online on XXXX XXXX.Purchase was approved and went through but my computer shut down as we lost power due to a storm. So I called XXXX to make sure my order went through and it did. There was a waiting period for delivery of my items as it was the beginning of the Covid virus. I received all items within a couple months for that order. I completely paid it off in full by XXXX XXXX. I loved the bedroom furniture so much, I decided to order the exact same set for my adult daughter as a birthday gift on XXXX XXXX used my Synchrony credit card as my balance was $ XXXX.Again, there was a shipping delay due to availability. On XXXX XXXX they fed ex us the two nightstands so they charged my card for the cost of both at {$310.00} ( XXXX each ) .Then again on the same day they charged me again for the nightstands at {$150.00} x XXXX .I only ordered two nightstands but was charged for four.Then on XXXX XXXX the remainder of my items were delivered in which my Synchrony card was charged {$1000.00} .Then again on the same day they charged my card another $ XXXXAll and every document and proof I have clearly show what I ordered, the amounts etc. I completely paid off my second order as well.Ive been disputing this with Synchrony Bank now for almost two years. Its been nonstop. Ive spoke to numerous customer service reps, managers that also state they see the mistake and still it never gets resolved. Ive also spent hundreds of extra dollars faxing proofs repeatedly to Synchrony Bank. I even had one of the main people in charge at Ashley Furniture on a three way call telling Synchrony that I had been double charged and what my exact order was and Synchrony still has yet to resolve this. They also placed these amounts on my credit report as two separate accounts trying to damage my credit. Currently Synchrony has been calling regarding a delinquent payment and marked it on my credit as in bad standing when I clearly owe XXXX and I have all proofs, receipts and documents.The issue is with Synchrony Bank for XXXX XXXX store card, XXXX XXXX.
Product: Credit card or prepaid card

Nordstrom is withholding several Credit card statements from me for an upcoming small claims lawsuit against them. The missing statements are as follows : XX/XX/2022, XX/XX/2022, and XX/XX/2022. Why are they hiding them?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. I recently reviewed my credit report on MyFICO and noticed that my positive credit card account with XXXX XXXX has been deleted from my Equifax credit report. 

After contacting XXXX XXXX customer service, I was informed that they reported to all three credit bureaus on XX/XX/year>. However, Equifax has failed to accurately reflect this information on my credit report. I will be uploading screenshots to demonstrate the discrepancies in the accounts listed. 

Furthermore, Equifax has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide Equifax with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel Equifax to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX, on XX/XX/XXXX at XXXX XXXX for {$23000.00} The loan was financed through Credit Acceptance Corporation now known as American Credit Acceptance. I began having serious problems with the vehicle in or around XXXX. The car was undrivable due to electrical issues prior to any attempt disable the car by kill switch attached to the car and I then fell behind on payments. At the time I may have owed around {$8000.00}. Eventually, through mutual agreement I returned the vehicle it was picked up by a tow driver. It was either the end of XXXX or the first part of XXXX when the car was returned. I understand I fell behind on payments and I understand what a voluntary repossession is. The problem I have is the car was reported as a open loan until XX/XX/XXXX. I have not been able to purchase another vehicle since XXXX. Even with a XXXX credit rating I worked hard to increase I was still ineligible due to what I know is deliberate action taken against me. This has affected me and my family of XXXX very negatively as I have been Ubering and catching buses since XXXX that is the last car I had in my name. I feel they deliberately reported to credit my report with extreme prejudice on purpose as a way to make me pay for being delinquent and the amount of time it took to them actually send someone to retrieve the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer credit report from Factor Trust Inc. on XX/XX/XXXX, Report # XXXX. The credit report was extremely extensive and contained multiple inaccuracies and outdated personal data. 
I mailed a formal dispute on XX/XX/XXXX to Factor Trust Inc and waited for results. 
After no response, I mailed another dispute on XX/XX/XXXX, XXXXthis time certified mail. ( Dispute dated XX/XX/XXXX ). 
Again, no response. 
Next, I mailed a failure to respond to my dispute on XX/XX/XXXX via certified mail ; referencing the dispute of XX/XX/XXXX because I have proof of receipt on file. 
I receive a response days ago, dated XX/XX/XXXX stating they received my dispute ( by now I've sent 3 with no results ) ; however, I must first obtain a copy of my report before I can file a dispute. 
Hmmm. How would I be able to mail such a thorough dispute, if I did not have a consumer report from Factor Trust?
Product: Credit reporting, credit repair services, or other personal consumer reports

I never applied for a Capital One Credit Card. I did receive ; however, via XXXX XXXX, a suggestion I apply for the Capital One Credit Card as I had a high chance of approval and the subsequent approval and issuance of the Capital One Credit could improve my credit score.

I DID NOT APPLY FOR THE Capital One Credit Card. I AM NOT CLEAR IF XXXX XXXX OR WHO/WHOM SUBMITTED THE APPLICATION FOR THIS CREDIT CARD ON MY BEHALF. 

I DO RECEIVE PRE-APPROVAL OFFER LETTERS FROM CAPITAL ONE CREDIT CARD ON A WEEKLY BASIS STATING I AM PRE-APPROVED FOR THIER CREDIT CARD. 

I IGNORE EVERY LETTER THEY SEND TO ME AS I DO NOT WANT THE CREDIT CARD.