23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/2019 Amount : {$1000.00} Original Creditor : XXXX XXXX XXXX  Debt Collector : Commonwealth Finance The incident involved plenty of miscommunication due to my XXXX. There was misunderstanding which my rights were being taken away. If I knew the legals, I would have not accept the ambulance ride and brought my attorney with me to clear up the miscommunication. Instead of this, I was forced to go with two options which was to get arrested or to get checked by going on ambulance ride. The law enforcement did NOT provide XXXX XXXX XXXX interpreter at all. Instead of providing a professional certified interpreter, the officers communicated with me through writing. English is not my first language. ADA law  requires for them to provide the interpreter so they violated this law. 

I did not need or request the ambulance ride. What more? I did not have health insurance due to hardships. I felt that I am not obligated to pay this debt and can not afford as well. 

Am still going through hardships with XXXX   children I have. 

After taking me in for the check up, they released me. I did not deserve all of this nor to be arrested which I did nothing criminally. 

I do not have money for attorney to clear up this mess and am researching on ADA laws to protect my rights.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I submitted a 60-day vacate notice and requested the option to give a 30-day unit transfer notice if I could move to the opposite side of the community. I had safety and hygiene concerns for my building so I wanted to either relocate entirely or to another building. I submitted that email to complex management and it went unanswered. I then found the contact information to their corporate offices and urged a response there, in fear that there would be a fraudulent financial penalty if they didn't acknowledge my notice. XXXX XXXX purchased the alleged debt that The Exchange tried to claim I owed them and began to harass me for payment in the summer of XXXX. I did not reside nor occupy that unit during the dates they are asking for me to pay. I signed the lease for my current home in XXXX and was fully out of my previous apartment by XX/XX/XXXX. This debt is not accurate, I was not occupying the residence when they claim and more importantly I gave my notices within a timely manner. I DEMAND they remove this collection from all three reporting credit bureaus and cease their demands for payment. Moreover, I REQUEST THAT THE CREDIT BUREAUS CONDUCT A FULL INVESTIGATION INTO THIS ILLEGAL DEROGATORY MARK ON MY CREDIT FILE. This is a sloppy and fraudulent debt they are attempting to collect for pennies on the dollar. MOST IMPORTANTLY, I requested a debt validation package in XXXX of XXXX and have not received it as of XX/XX/XXXX, which is ILLEGAL. Because this debt was not validated, it must be removed per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Experian, XXXX, and, XXXX and asked that they investigate the below accounts of the two late payments reported in XXXX. I do not recall ever being late. It doesn't make sense that I was current in XX/XX/XXXX and jumped to 60 days late in XX/XX/XXXX and 90 days late in XX/XX/XXXX. This is impossible. 

Accounts in dispute : XXXX XXXXAccount number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXXN : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act, XXXX  XXXX  Account # XXXX, has violated my rights. 


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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Very bad comoany I hate them Im a victim of fraud and they refuse to delete the fraud inqueires with my FTC report which they have by fax their system sent me confirmation saying deleted but their still reporting I call to tell them they tell me they dont care
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in removing again some fraudulently obtained information from my credit file, but there is still something I provided along that has to be removed. Credit Bureaus are required by FCRA section 605 to remove any items that are listed on an ID THEFT REPORT. This report was included in a previous letter, which I am including again out of initiative. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX  XXXX XXXX : {$560.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$2300.00}
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. 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 id theft report. Please find the ATTACHED documents to assist in the removed of the erroneous information which is being posted to my report. 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: Debt collection

I have now received more than XXXX piece of mail regarding debt that is not mine. I am trying to clear my credit and I believe someone has stolen my identity. 

As you can see on these statements just received the dates are XXXX. There is an odd amounts for limits {$550.00}, there are no charges explained, these are both fraudulent bills. 

I have had previous accounts that were dismissed due to not being mine. 

I have a credit card with Capitol One and this is not it. I do not own this account, nor did I open this account. 

The attached does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. 
On XX/XX/2020, CREDCO add a hard inquiry on my credit report. 
On XX/XX/2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

We have called Kia Motor Finance 10 separate times on this same issue. 
The problem began when we canceled the GAP insurance and extended warranty on this loan. They said it would take 90 days for it to be processed. It did take that long. 
When it was finally processed and they received the money it was not allocated to my balance. First it said online that I didnt have to make a payment until XXXX. I called them and notified them I wanted the refund applied to the principal. They assured me it would be applied within three business days. It was not.

I have called every three business days for weeks and received the same answer. There is an additional XXXX I paid which I also asked to be applied to principal which has not been allocated. 
When I called on XX/XX/XXXX, after talking to XXXX I was transferred to a supervisor XXXX who assured me it would be allocated within 3 business days. 
I called back twice on XX/XX/XXXX. XXXX and XXXX both put me a hold for a supervisor and I was disconnected both times. 
I have also requested my money back and XXXX told me this can not be done. She also stated there is no one s be her to speak about this issue. 
I do not know what to do. I can not get anywhere with this company. My payments have been on time and I have no problem making them which is why I want this money allocated to the principal and not future payments.
Product: Mortgage

We have been paying into an escrow account but are taxes are XXXX yrs behind the mortgage company charges us every month for escrow account but they have not paid the taxes for XXXX yrs now
Product: Debt collection

I paid a capital one account that wasnt mine and they dont want to take it off my credit report. Im still XXXX XXXX and waiting for my release papers but I got released XX/XX/2017 And Im getting denied for home loans and everything as a result of this error which I need removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 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 has violated my rights. 

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: Mortgage

XXXX/XXXX/16 Received a call from XXXX XXXX stating that he was a representative of OCWEN Loan Servicing, and that we qualified for a fixed 2 % loan modification thru the HAMP program. He emailed me an Acceptance & Acknowledgement of Acceptance of XXXX Trial Agreement. On XXXX, my wife and I signed it and faxed it back to him at XXXX. He then said in order to lock in on the loan modification, we needed to send the first of XXXX payments {$610.00} by XXXX ( person to person to XXXX XXXX ). We did and he emailed me a receipt. He then called the next day ( XXXX/XXXX/16 ) to say in order to lock in on the 2 % for the life of the loan we had to send the other XXXX payments of {$610.00} each ( sent {$1200.00}. We did, XXXX person to person to XXXX XXXX. The next day he emailed another receipt. ( his email address : XXXXXXXXXXXX ). On Friday XXXX/XXXX/16, XXXX XXXX called and said everything was good, however : they could not guarantee the 2 % fixed rate for the life of the loan unless I send them an additional {$860.00} for processing fee. That 's when I became very suspicious.
Product: Credit card or prepaid card

follow up on cfpb complaint XXXX I am still not receiving credits for my XXXX  promo that capital one has advertised XXXX XXXX XXXX They currently owe me 2x {$9.00} for the month of XXXX and XXXX. Since this is an ongoing issue I also request a {$100.00} courtesy credit.
Product: Money transfer, virtual currency, or money service

Venmo blocked me from using their services because of my " recent activities '' even there was none recently. They said they have an internal monitoring system that they can't reveal any further details or reasons why they decided to terminate the service. The bottom line is that they never provided any justification on why they ended the service. This is a very upsetting experience since there was nothing wrong with my past activities. I am a XXXX  with a spotless record, and this is not acceptable that Venmo behaved in such manner.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi XXXX has a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXXXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

The credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for a removal they also violated my rights. 

15. U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without written instructions. 

Also the credit bureau took more than 30days to complete my investigation here is my certified mail tracking XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ) I am a victim of XXXX XXXX  of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED
Product: Checking or savings account

On XX/XX/2023 me and my wife went on a weekend getaway. We went out for dinner and I used my card to pay at the restaurant ( XXXX XXXX XXXX ) in XXXX California. As we were walking back to are hotel my phone started pinging with notifications from my card company that some one in ( XXXX California ) was withdrawing {$100.00} increments out of an ATM at a XXXX. A total of {$500.00} was withdrawn, I tried to call the card company but they are closed on weekends so it was Monday the XXXX when I reported that there was fraudulent charges on my card. The fraud department notified me that they were not going to refund my money saying I was the one who made the withdrawals. I argued with them that how can I be in two different towns at the same time. On the XXXX I only used my card that day at XXXX XXXX XXXX in XXXX California.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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
Product: Debt collection

My daughter sent an application to lease an apartment in XXXX XXXX California. My daughter is a student at XXXX XXXX XXXX. She accidently applied to an apartment complex in XXXX XXXX Texas instead of California. The apartment complex is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I am a Cosigner for my daughter 's lease. We have attempted to communicate with the property management company the very next day after we sent the lease agreement to cancel the lease. The property manager said he will talk to the management and they will take care of this problem. We have phone calls, proof of communication, and emails to the property management company to void the lease. They ignored us. 

We also had our attorney, XXXX XXXX, contact the property management and collection company. They also ignored his communications. Please see attached proof of communication.
Product: Bank account or service

I have a flexible medical spending account through my employer XXXX. I tried to use it to pay a dental bill and learned that the account had been hacked and {$3200.00} was taken out from someone in XXXX When I contacted Bank of America they said there was nothing they could do. Their explanation to me was that it was over 90 days and because I did n't report it as soon as it happened the time frame for filing a complaint had expired. They stated they tried to contact me.i did not receive anything in the mail, nor did I receive a phone call. I have called twice to try to resolve this with Bank of America and they hung up on me. My name is XXXX XXXX XXXX. I can be reached at XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On Thursday, XX/XX/2018 I received an alert from my credit monitoring service that my XXXX XXXX XXXX credit card was closed. No explanation was provided. I contacted XXXX XXXX on Friday, XX/XX/2018 requesting an explanation and was told by customer service and a supervisor that my credit card was closed due to inactivity. 

XXXX XXXX did not provide me with a letter or email informing me that my account would be closed if I did not use the card. Due to this long standing account being closed my credit score has dropped. The supervisor told me that I would have to re-apply that they could not re-open my account.