23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This letter is a formal notice regarding the alleged debt associated with the property known as XXXX  XXXX XXXX XXXXXXXX, under Lease ID # XXXX. I am disputing this debt for numerous reasons outlined below, and I demand that you cease all collection efforts and remove this debt from my credit report within seven ( 7 ) days. Failure to comply will leave me with no option but to escalate this matter by involving legal representation and filing a complaint with the Georgia Attorney Generals Office. 

Discrepancies in Your Claims Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community director. In that email, the community director authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of Security Deposit : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$200.00} late fees are valid. The imposition of daily {$10.00} late fees for a period of 12 days ( totaling {$120.00} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable Georgia law. As such, I am not obligated to pay these charges. Fees also have been charged past the move out date listed. 

Other Discrepancies : The total outstanding balance of {$6100.00} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

Demand for Action In light of these discrepancies, I demand the following actions within seven ( 7 ) calendar days from the date of this letter : Cease All Collection Activities : Immediately stop all attempts to collect the alleged debt. 

Remove Negative Reporting : Delete any and all references to this debt from my credit report. 

Provide Validation : If you believe this debt is valid, provide a full, detailed accounting and explanation of all charges, credits, and payments, as well as documentation substantiating each claimed amount. 

Legal Notice Be advised that I am fully prepared to pursue legal remedies if you fail to comply. This includes filing complaints with : The Georgia Attorney Generals Office ; The Federal Trade Commission ; The Consumer Financial Protection Bureau. 

Additionally, I reserve the right to seek damages for any harm caused by your illegal debt collection practices. 

Conclusion Please consider this letter your formal notice to rectify this matter promptly. I request written confirmation of the resolution of this dispute within the stated time frame
Product: Credit reporting

this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. 
Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7500.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/ enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX, SD XXXX shows a inquiry on my credit report with an Inquiry date of XX/XX/2018. By law the inquiry is to be removed after 2 years. The inquiry still shows on my credit report. The removal date was XXXX.
Product: Checking or savings account

My husband has been mobile depositing checks from his employer made out to cash. On XX/XX/XXXX we were alerted our account was low due to a duplicate transaction. We made a claim immediately. They said there was nothing they could do because whoever cashed the check trumped our mobile deposit even though that check number was deposited into our account back in XXXX. I asked to close the account with Bank of America to prevent any further fraud and they said they would still take the money from another account. We have a total of 4 accounts with them and have been with them for 25+ years. Since the initial fraud we have now been debited out of our account 3 more checks totaling the amount of {$2400.00}. Our account is now currently frozen in a negative balance and our bank refuses to help us get our funds back. We have filed a police report and have a case number but waiting for them to assign us a detective to find out who is cashing the stolen checks.
Product: Credit reporting or other personal consumer reports

I was checking my fico credit score to see if I would qualify for a loan and as I was checking my score I noticed everything was correct but my address. I live in XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. The address on my report was a Fl. address. XXXX XXXX XXXX XXXX XXXX.
Product: Credit card or prepaid card

On X/XX/17, I was informed after I initiated contact that my PNC Credit Card was " revoked '' six months ago in XX/XX/XXXX. I have been carrying a balance and I was in the process of paying it off. Each month, I was charged interest. This I understand, the interest that is. However, to remove my ability to use the card ( without notification ) and to continue interest charges is an exploitative practice. If I am to accrue interest charges, then I should be able to use the card as long as I am below the maximum balance. The notion that PNC can at-will re-evaluate any account ( without any sort of dialogue/notification ) is one-sided and wrong and consumers should be involved far more in this process.
Product: Debt collection

I received a letter from XXXX & XXXX, XXXX. located at XXXX XXXX XXXX in XXXX, FL XXXX claiming to be debt collectors. The letter has no Case File number or Reference numbers and states that their firm was retained by XXXX XXXX XXXX, XXXX to collect a debt I owe, {$1800.00} to Citibank, N.A.. To the best of my recollection I do not owe anything to Citibank . I checked with XXXX and XXXX and the alleged debt does not show up on my credit report. The letter supplies 2 telephone numbers, one with a local exchange ( XXXX ) and the other a toll free exchange ( XXXX ). On XX/XX/XXXX I called using the local number and spoke with a XXXX XXXX XXXX at XXXX regarding the letter I received. Of course he claimed I owed the money and asked if I was ready to pay. I told him I was n't and asked about a settlement. XXXX XXXX told me he had to check with his client and told me to call back the next day. I called back twice on XX/XX/XXXX using the toll free number and the extension given but got no answer. A few hours later I happened to look at my phone and noticed a toll free call to a number identified as XXXX XXXX. I have no business with XXXX XXXX. When I checked further the toll free number on the collection letter is the number the caller ID is identifying as XXXX XXXX. I do not believe I owe a debt to Citibank but I do believe that something smells rotten here. Please help, thank you.
Product: Credit card or prepaid card

I submitted a previous complaint and I am not happy with the response ( attached ). First and foremost they are stating I was not discriminated against when clearly I was. I would like someone to listen to the call as stated in the previous complaint when I was denied the option to change my payment options so I will not miss my forbearance payment arrangement. However as we fast forward to today I am now out of the forbearance agreement due to missed payments ( interesting ). The original complaint had to deal with me calling to make a payment and in the end they did not believe it was me and refused to take my payment. I was already in a financial hardship and now they have caused me even more pain. I want the credit reporting stopped until this issue is resolved. In the letter I was told I can make a payment. Please note I am locked out of my online banking and my statements are sent electronically. My last payment amount was {$20.00} a month in the forbearance agreement my new payment is unknown. I tried calling in XXXX 2017 again to try to rectify the situation since I have not heard back from the first CFPB complaint. I was transferred to credit department or collections not sure exactly which one. Where I was told that my credit will be fixed and they would take a payment. When I was transferred the call was lost. I then called back was given the number to the department I was being transferred to and again the call was lost. When I called the number to the department I was being transferred to it was a fax line. I had to get back to work so I was unable to attempt a 4th try. I want my credit report fixed and to be compensated for the hours I spent working on this issue. I spent well over 4 hours to rectify this and still nothing. The best result give me a settlement offer of 40 % of the balance and we can call it a day and we will never see speak to each other again I can promise you that. And most important as I stated previously FIX MY CREDIT due to your error.
Product: Mortgage

The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX XXXX that has been discharged and the other from XXXX a division of XXXX XXXX XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. XXXX and Ocwen Loan Servicing LLC does not have any signed supporting documents such as notes registered at the registry of deeds, because of this XXXX and Ocwen Loan Servicing are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.
Product: Debt collection

I contacted the hospital to whom I originally owed the debt. My letters are sent to an out of state address, because I work XXXX XXXX and do my best handling written mail. The debt that is attempting to be collected violates the No Surprises Act and is also detailed in the hospitals policy. I was seen by the XXXX, but was charged this amount for an addition physicians fee. My insurance covers XXXX with a XXXX XXXX copay. I reached out to the hospital after I received my last notice ( it was the first one I saw ), and asked them to hold off on collections while I try to figure out what the debt was and how to move forward. It has now been sent to collections, but the original debt violates federal law. I am still contacting the hospital.
Product: Credit reporting or other personal consumer reports

I was notified of a bill due for a loan I never signed up for. I contacted XXXX to let them know that I did not authorize this loan. XXXX sent money ( {$5900.00} ) to my bank account wrongfully, and I have asked several times how to send it back. They also took money from my bank account without my authorization and called it a " loan payment ''. Now they say I owe {$7000.00}! They have done nothing but give me the runaround and they are reporting negative information on my credit report about this loan that isn't mine. I filed an identity theft alert with the FTC and sent XXXX supporting documents via certified mail, but they still won't investigate.
Product: Debt collection

the last date I reached out was XX/XX/2024. I paid an amount of XXXX and was told my account was being placed in collections. this was odd to me and they had me locked out of my online account as well so I can't pay anything online. I then tried this is the same day, I tried to have them redeem the account or reduce the amount due to be paid to avoid collections. they said it wasn't anything they could do because my account was already sent to collections. I told them send me everything in writing. I received nothing. they have called me over XXXX times since then. I spoke to them on XXXX/XXXX. letting them know again to send it in writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Names : All Accounts Associated with XXXX # XXXX have 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 instruction.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax site is down and has been down for almost a week. Can not access logins, credit freezes, nothing. Called, could not get through, waited on phone for 2 hours. Please tell Equifax to fix their site and allow quicker access to representatives. Need to lift freeze immediately. Thank you. XX/XX/2020 XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

BB & T decided to close a bank account for which I was using their paperless program. Because I was given no warning of the account closure, I do not have copies of my records. I need the information from my account in order to do my taxes. They 're now trying to force me to go to my local branch and print physical copies, for which I would be charged {$5.00} per page and {$5.00} per check. As I had several checks daily, this is an overwhelming amount of money for my small businesses. Also, I do not see the point of printing these records, digital is preferred. The following account is affected. 
Name : XXXX XXXX XXXX Account : XXXX
Product: Credit card or prepaid card

I have made multiple attempts to get my lost card replaced. Every time I a called in. I was told they just sent it. And every time I called they said this time well send a new card and I should receive it within 24-48 hours. I call once a week and still no card. 
I am always told that they assure me that it will be sent and the previous person didnt sent it via fast mail or via XXXX. Its been close to a month without my one and only credit card. 
As a XXXX person I cant just get up and go get cash. I have limited funds till I get my SS check also.
Product: Credit card

first complaint ending XXXX XXXX XXXX  i request it be opened. i asked for XXXX response you did not provide i will go to congreewoman if i have to reopen XXXX XXXX so i can refute his answer and send me his answer or i escalate as to this complaint i used it for XXXX XXXX in XXXX only signed for charges XXXX XXXX to XXXX they charged me an exorbitant rate XXXX XXXX to XXXX XXXX lied and said they would adjust it and XXXX did they are nasty and crooks BARCLSY credit card ending XXXX told me on XXXX if i change my number they cant bill me so i did and XXXX despite their promise to adjust rate and Barclys inconsistent info about changing number i was charged XXXX for 3 weeks of a car i am XXXX so DOJ complaint was filed and i wil sue XXXX they say no wrong doing ABSOLUTELY there is in email i told them too high a rate they knew i had the car did not ask for it or a signature and charged me exorbitant rates. sorry typos i ahve XXXX XXXXXXXX i want my money back and ndispute handled properly which this bank in additiion to HORRID customer service provifing inconsistent info and scripts provided inaccurate info on XXXX upon which i relied just like XXXX lied XXXX is getting sued. this card ending XXXX wont be used or my other one i am done In addition i inquired over and over about my older disputes.NJ courts who never answered XXXX from XXXX which by right should be premnanely creidted ht XXXX horrible customer service never answers direct questions what is status of older disputes but XXXX dispute was in this country with consuemer protection laws as they are completely unauthorized. i want it back they just send me a form letter telling me dispute is over no its not just like i will sue XXXX on deceptive business practice claims and breach fo contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CAPITAL ONE, I am writing to dispute certain inaccuracies that are currently appearing on my credit report, which are affecting my credit standing and financial well-being. I kindly request that you take immediate action to remove and delete the following inaccurate information from my credit report : Account name CAPITAL ONE Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00}, XXXX written off. {$1.00}, XXXX past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXX Balance {$1400.00} Balance updated XX/XX/XXXX I have thoroughly reviewed my credit report and have determined that these items are incorrect and do not reflect the accurate state of my financial history with your institution. The presence of these inaccuracies is causing significant distress and adversely impacting my ability to access credit and financial opportunities. 

Under the Fair Credit Reporting Act ( FCRA ), it is your responsibility as the creditor to ensure that the information you report to credit bureaus is accurate, verifiable, and up-to-date. I urge you to conduct an immediate investigation into these disputed items and take the necessary steps to remove them from my credit report without delay. 

I kindly request that you provide written confirmation of the removal of these inaccurate items from my credit report within 15 days of receiving this letter. Failure to comply with this request may result in further legal action to protect my rights as a consumer under the FCRA. 

I trust that you will handle this matter with the utmost urgency and professionalism. Should you require any additional information or documentation to support my dispute, please do not hesitate to contact me. 

Thank you for your prompt attention to this matter and for ensuring the accuracy of my credit report. 

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

I checked my credit report and I seen a hard inquiry for a company called XXXX loans. I have a document from my prior job saying my identity was stolen and I was affected by some sort of breach.
Product: Debt collection

Im not really sure what I owe. But navy federal, car loan, XXXX and XXXX XXXX
Product: Mortgage

I fell behind on my payments due to financial reasons and have not been able to catch up until recently. Ocwen never reached out to me to offer me help or assistance. I do recall reaching out to them and being told there was nothing I could do that they would be proceeding with the sale. After speaking with some friends and attorneys, I realize that this is not right nor fair. The Homeowner Bill of Rights state that the lender should be assisting me throughout this process and helping me find alternatives to foreclosure. I have never been assigned a point of contact and I have never been offered help.
Product: Credit card or prepaid card

XX/XX/XXXX : Saw the online offer for the Chase Freedom XXXX card, which included a {$200.00} statement credit after {$500.00} spend, along with a 5 % cashback on groceries for the first in the first year. ( An additional bonus separate the quarterly rotating categories ) Went in-branch to apply for the card, where the banker noted that in addition to the grocery offer, I would receive a {$250.00} bonus for applying in person. 

XX/XX/XXXX XXXX : Noticed the 5 % sign-up bonus was not showing on the card statement, despite already having received the {$250.00} bonus. Called in to Chase, where the representative assured me that the bonus was correctly attached to my account, and that I would see it in my next statement. The representative likely misunderstood and assumed I was referring to the quarterly rotating cateogry. 

XX/XX/XXXX XXXX : Called in again when noticing the sign-up bonus was not showing on the card statement. Representative says will escalate, and will receive in a response soon. 

XX/XX/XXXX : Received online notice that Chase would not be honoring the bonus. 

XX/XX/XXXX XXXX : Met with Chase banker who originally helped me apply for the card, who said that he would escalate to his manager, and promised he would call me back in the coming week. Never received that call or follow-up, so scheduled a meeting with the banker again the next week. 

XX/XX/XXXX XXXX : Met with Chase banker again, along with his manager, and was told for the first time that the {$250.00} in-branch offer excluded the promotional grocery offer shown online, and that they would not retroactively apply the offer that was originally promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Transunion LLC requesting to update my personal information on the report, also requesting to delete any inaccurate old addresses, as they are not deliverable to me by the U.S postal office, and they are reportable as per the FCRA since they are inaccurate. I sent the letter with a current bill ( bank statement ), ssc and my ID. 

They got back to me saying proof of address unacceptable. I don't understand why are they trying to delay the process. i sent everything that it was required.
Product: Credit card

Synchrony Bank closed all my accounts without notice. Majority have been open for 5+ years, and always in good standing. Non promotional balances were always paid in full monthly. During the pandemic when issuers were lowers consumers cards limits, all my accounts were always in good standing. I have a XXXX credit score and XXXX income. This is completely unethical.