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

A walk through was completed when I moved out of my apartment with the staff present. No damages were mentioned or recorded. XXXX XXXX XXXX nor XXXX XXXX XXXX not submitted photos of alleged damages, a copy of the maintenance requests I reported months PRIOR to my move out date, or the rental inspection checklist that was completed when I moved out as I have been requesting. The apartment complex was also provided my forwarding address. XXXX XXXX XXXX did not send notice of any alleged debt to that address nor did XXXX XXXX Apartments. I can not dispute or pay an alleged debt I dont know about! An official letter from the apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed.

As a tenant, I am not responsible for repairs to old appliances because of normal wear and tear according to my lease agreement. The only evidence submitted was a list of all itemized expenses in TOTAL that the apartment spent to prepare my unit for a new lessee. This apartment complex was in the process of renovating ALL of its landscape and rental units. I know this for a fact because I still visited those apatments after I moved out since I had a relative and a friend that lived there! The landscape, leasing office, signs, gym, and every unit was upgraded! Those are typical business expenses. Charges for new carpet and appliances that were needed for complex wide upgrades were unfairly and incorrectly listed on my credit report. 


XXXX XXXX XXXX sent the credit bureau an itemized list that was typed up on a word document!!!! It was not in the leasing companys letterhead. Nor was it dated. Nor was it signed. The NAME of the leasing agent who TYPED the document wasnt even printed or typed! A sheet of paper without a NAME, DATE, SIGNATURE, OR COMPANY LETTERHEAD sufficed for the credit bureaus to VERIFY this debt? I cant even view or dispute my credit report without proof of identification. But a NO NAMED PERSON can VERIFY *MY* DEBT? The evidence submitted I believe was fraudulent! I have attempted disputing this debt with the CREDIT BUREAU online and via mail. I have even followed up directly with the creditor. No one will VERIFY this debt or tell me the method of verification! 

I am requesting the following evidence as a method of verification or this debt deleted immediately : Photos of alleged damages or a copy of an awarded court judgement. 
Copy of the maintenance requests I reported for 2 old appliances listed MONTHS PRIOR to my move out date. 
DATED rental inspection checklist that was completed when I moved out that lists the alleged damages that MATCHES the typed sheet of paper itemized list. 
Notice of any alleged debt from XXXX XXXX XXXX to the forwarding address I provided XXXX XXXX. I can not dispute or pay a debt I am unaware of! 
A letter from my apartment complex would have ALSO included the amount of my deposit and that it would be applied to any fees owed. An official document would have a letterhead, date, and name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX was paid in full for 2016 XXXX still shows on my report a balance of XXXX I HAVE DISPUTED THIS ON MY CREDIT REPORT and they still refuse to update accuracy on All 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} In good standing with TRANSUNION XXXX XXXX LATE PAYMENT ( XXXX ) Balance {$0.00} Balance updated XX/XX/XXXX This should be updated to reflect in good standing across all credit Bureaus XXXX XXXX XXXX XXXX I also have contacted them many times about removing my membership they continue to ignore my requests and continue reporting incorrectly. Putting my credit score in peril without my consent. 






XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX NEXT Complaint : Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report. 

XXXXXXXX XXXX XXXX XXXX- I did not authorize this Inquiry. I did not give them a permissible purpose. Please remove from my credit report with Trans Union Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX ( property management ) and XXXX XXXX XXXX ( debt collection agency ) for their mishandling of my rental account, illegal eviction threats, mismanagement of rental assistance payments, and inaccurate credit reporting. Their actions have caused me financial hardship, housing instability, and emotional distress. 

I submitted my 30-day notice to vacate for XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA. Despite this, the property manager illegally threatened eviction and forced me to vacate by XX/XX/XXXX, even though I had secured rental assistance through XXXX ( Sacramentos XXXX hardship rental assistance program ). Under XXXX protections, evictions were prohibited during this period, yet XXXX XXXX XXXX XXXX ignored this law and pressured me to leave early. 

Errors and Discrepancies : Rental assistance mismanagement : XXXX paid {$3900.00} for XXXX, XXXX, and XXXX rent, even though I did not live in the unit in XXXX. 
XXXX XXXX XXXX XXXX refunded XXXX {$2400.00} but still attempted to collect additional rent from me without adjusting my balance properly. 
My employer, XXXX XXXX XXXXXXXX, issued a check for my XXXX rent, but the property manager lost it for a month, then harassed me about non-payment. 
Conflicting balances reported : Disposition letter : {$2200.00} Credit report XXXX XXXX XXXX XXXX ) : {$2300.00} XXXX  XXXX  ( previously ) : {$740.00} XXXX XXXX ( updated XX/XX/XXXX ) : {$250.00} ( after multiple calls/emails ) Unjustified charges for damages : They now claim {$250.00} is for damages but have provided no timestamped photos, only an itemized bill. 
Without photographic proof, this charge is unverified and should not have been sent to collections. 
Due to these errors and unjust charges, my credit has been negatively impacted, making it difficult for me to secure stable housing. XXXX XXXX XXXXXXXX XXXX  lack of professionalism and poor communication have also caused me unnecessary financial and emotional stress.
Product: Debt collection

XX/XX/21 credit XXXX  show negative reported XX/XX/21 status XX/XX/21, balance XXXX XXXX, company wakefield and associates inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. This is fraud.
Product: Debt collection

I filed XXXX XXXXXXXX XXXX on XX/XX/year>. This loan from Integra Credit was included in the list of creditors. Somewhere between XX/XX/XXXX and XX/XX/XXXX, Integra Credit pulled my credit and I now have a hard inquiry on my XXXX, which caused my credit to drop over XXXX points. This is making it seem like I am trying to get a loan, which actually I am not allowed to without permission from the Trustee and Court. I am in an active CXXXX XXXX XXXX  and everything that I have read suggests Integra Credit has violated the Automatic Stay.
Product: Money transfer, virtual currency, or money service

I met XXXX XXXX XXXX online in XXXX of 2023. He said he was from New York XXXX, XXXX XXXX. He promised to give me a better life, a life of happiness and abundance. He said we would buy the hotels and apartment buildings of my dreams, to buy a nice house, nice car, traveling, and open a business. He kept calling me, every day night and day, all night. Until I fall for him and everything was changed. I lost everything, my retirement and all cash money in the bank. He asked me to help him recover his wifes inheritance from XXXX. The inheritance is {$4.00} XXXX, and was transferred to the next of kin, his daughter. But XXXX 's rules are to release the inheritance to the beneficiary, to a mother who will stand as a mother for her. The daughter asked me to be the beneficiary, so I said okay. So they started the process and kept asking me to pay the taxes, the change of name, then the clearance to release the inheritance was {$90000.00}. I was withdrawing money every day, for XXXX year. I would come to the bank every single day to withdraw money to send to him. My XXXX banks were XXXX and Chase bank. All gone, all cash withdrawn savings and checking, and save retirement accounts for XXXX years gone. Withdrawn and transferred to my checking and withdraw to send to different person he gave me. He promised that after paying all that money, he would come to XXXX and pay me double and we would live together. But after paying everything, he never came. I withdrew all my savings, checking, and my IRA account, every thing was sent to different countries and people who will accept the money to pay for the clearances. Total amount of my money and investments {$250000.00}, and {$100000.00} loans and mortgage. Paying monthly payments of {$1200.00} every month and credit cards {$500.00} to {$600.00} every month. Now, Im filing a complaint and asking for help because while I was withdrawing all this money, the bank didnt stop me or freeze my account to protect me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX turned an account that was fraudulent to XXXX collection agency. This appeared on my credit report and I immediately disputed it with all three credit bureaus. It was removed and deemed fraudulent. 
This balance has now been reported under a new name of SouthWest Credit Systems , L.P . I have disputed it again with all three credit bureaus. It has been removed by all but XXXX. 
XXXX  is required a FTC report to remove this debt. 
I never entered into an account with XXXX, XXXX or SouthWest Credit Systems. This balance does NOT belong on my credit report. Please review and provide the FTC report XXXX  is requesting so I can submit it to them. 
Thank you so much!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit card accounts were opened fraudulently in my name in XXXX and XXXX of XXXX, respectively. XXXX with XXXX XXXX and the other with XXXX XXXX XXXX XXXX. I immediately contacted both companies once I became aware of the fraud and they each closed the accounts and sent me confirmation letters. Both XXXX and Transunion both still show credit inquiries from both creditors still to this day and they tell me that the only way to get them removed is to start a complaint with the CFPB.
Product: Mortgage

After dealing with this issue for 3 weeks, I am disappointed to find out from phone conversation with Ms. XXXX ( from WellsFargo ) today, that the investor does not allow me to apply my {$7100.00} deferred balance payment into my deferred balance. 
1. This is not consistent with the letter you sent on XX/XX/2020 2. This is not consistent on your recording line when I paid on the phone that you assured me the {$7100.00} will be applied into the deferred balance 4. There is no such correspondence for you regarding the investor has the power to not say " NO '' to the payment to be applied into the deferred balance 5. THis is against the XXXX  and XXXX  regulation 6. You prevent me from refinancing my mortgage as all lenders will need this to be taken care of before starting the refinancing process. 

Can you please help! 
XXXX XXXX XXXX Cell # XXXX
Product: Credit reporting

XXXX. sent me a letter to my email inbox on XX/XX/2016, letting me know that they have deleted/closed the account. I no longer owe XXXX any debt. 
I just received my credit report from Equifax and XXXX showing on my report. 
I would like XXXX removed from my Equifax credit account/report, thanks.
Product: Money transfer, virtual currency, or money service

My husband and I had accounts at XXXX XXXX, a joint stock account and his 401K/ IRA rollover.  We moved the accounts to XXXX XXXX, I had to sign to do this. XXXX XXXX XXXX placed the money into a Summitt Cash Reserves then transferred money to XXXX XXXX. Once it got to XXXX XXXX, they changed the account to a single owner account. When I tried to access the account information, I was told I did not have authorization on the account and was not privy to any information. Also, the beneficiary on the account was changed for the 401K/IRA taking me off and placing our kids as primary instead of secondary beneficiaries. My husband died leaving a mess of our accounts. I am now the administrator of the estate with no will and my life savings has been hijacked by people not following proper procedures for handling transfers of money and 401K/IRA rollovers. Please help me this sorted out so that I don't have to spend money I don't have to get  access to money rightfully mine and to avoid court proceedings that would involve suing my kids. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent several letters to Cavalry Portfolio, XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Product: Credit reporting, credit repair services, or other personal consumer reports

The American Automobile Acceptance Corporation ( AAAC ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the American Automobile Acceptance Corporation have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the AAAC is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, AAACs four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what the bureaus are doing as a result of the Experian breach. Affected Experian customers may opt for cash, free monitoring, etc as part of the court approved settlement. I checked my Experian report and my score and accounts were as expected. Experian includes an option to purchase an additional 3 bureau Fico, which I had no reason to select. I then logged into my free XXXX XXXX, etc and my scores were down @ 30 pts each, The only conclusion is the agencies have acted in concert to subsidize the cost of the experian breach by posting such drastically inconsistent scores based on the Same underlying information. What say you? I was tempted to spend an additional {$40.00} for Experian 's additional monitoring. I still am.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each time I call this company I am advised that the issue will be corrected and it never does. I called the company regarding an error in their billing system where I had made a debit card payment and it never was applied to the account. After numerous calls they finally posted payment to the account but in the mean time the account was flagged as lat which is not correct. This company has violated Fair Credit Reporting Act by reporting inaccurate information. I was in the process of purchasing a home was denied due to the erroneous mistake of this company. I filed a complaint with the XXXX. I contacted them on XX/XX/2022 and I requested a manager and a lead name XXXX called me back and stated it was an error because I changed my payment date the system was apply 2 payments to the month of XXXX and it will be corrected and will make the correction on my credit report. Fast forward today all my reports are reporting inaccurate payment history and different payment history. According to the FCRA the creditor must report complete and accurate information to each bureau and therefore this company violated this act by report different payment history to each bureau. Im not making payments for this company to destroy my credit. 

Account Number for Bureaus : XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX 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 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 XXXXXX/XX/year>
Product: Credit card or prepaid card

Capital One continuously performs adverse actions against me the consumer. They have denied me access to my own credit and forced me to make a deposit for a secured card I did not want. They are also tarnishing my reputation by reporting negative activity to the credit bureaus when I have made numerous attempts to pay. Capital One has also created multiple accounts through my consumer credit and will not allow me to access those accounts. When I submitted my remittance coupon payment online, my payment was accepted. Capital One then reversed the payment after many days. I then tried another account opened through my consumer credit which was sent to me. That payment was accepted too then days later capital one reversed the charges and locked my card this time. I am submitting a billing error 12 CFR 1026.13 and an adverse action claim against capital one for their malpractices and many violations of the Truth In Lending Act ( TILA ). As I was not made aware of the many accounts opened through my consumer credit nor was the legalese explained to me as the consumer about the remittance coupon payment or the original security contract deposited for bailment purposes.
Product: Debt collection

Sent a few letter to different addresses listed for the company and never got any response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " JPM Chase d/b/a JP Morgan Chase '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Debt collection

Agency is trying to extort monies, harassing friends, statue of limitations has prevailed,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX also # XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. See tates that I have the right to my privacy.

15 U.S.C 1681 section A. section 2 : It also states a consumer reporting agency can not furnish my account without my written instructions.
Product: Debt collection

The Credit Bureaus never did a proper " Investigation '' according to the FCRA.

The term " Investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with whom he is acquainted of why may have knowledge concerning any such items of information. 

They did not do this. 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.

The Credit Bureaus stated my account was properly investaged but how is that possible if the open data is inaccurate, the date last active is inaccurate, abs date last reported is not accurate. This ground for removal. 

They also violated the law according to 15 U.S C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XX/XX/year> :
Product: Checking or savings account

My account was locked by Huntington and they wont tell me why. I can no longer access any of the funds I have and every time I went to a branch, they told me there was a hold on the account and to check the app when it would be released. I dont have access to the app since they locked my account. Now my bills are late because of this.