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

My husband and I rented a house from XXXX XXXX XXXXXXXX of XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX, XXXX, Florida XXXX. After several months of chronic plumbing problems that rendered part of the house unusable, created a credible risk of black mold, and destroyed hundreds ( probably thousands ) of dollars of our personal property, we terminated the lease and vacated the property by mutual agreement with XXXX   XXXX XXXX. We left the house in pristine condition, and we have almost 70 photographs as proof ( plus 5 photos of the plumbing repair disaster and 4 photos of the damage to the adjacent walls and ceiling in the garage that was caused by their negligence and botched plumbing repairs ).  Nevertheless, XXXX XXXX XXXX sent us a statement claiming that we owed them {$4500.00} for what amounted to normal wear and tear ( in violation of Florida law ) and for the property damage that was caused by their own negligence in failing to properly address the plumbing issues. They also refused to return our security deposit ( {$2400.00} ) without making a proper claim in accordance with Florida law. At some point, XXXX XXXX XXXX sold that alleged " debt '' to NCC Business Services, XXXX XXXX XXXX, XXXX, Florida XXXX, who is now reporting it to XXXX, XXXX, and XXXX. We have repeatedly disputed that line item on both of our credit reports with all three credit reporting agencies as well as NCC Business Services directly. We have provided detailed correspondence complete with the photographs proving our position to all four of those entities. We have demanded a description of the reinvestigation procedures in accordance with FCRA 611 ( a ) ( 7 ) from each of the three reporting agencies. We have provided information to all four entities showing that the President, Secretary, and Treasurer of XXXX XXXX  XXXX who made the initial claims in the first place ( XXXX XXXX XXXX ) has been disbarred for unethical, fraudulent, and dishonest conduct ( including making false claims and fabricating evidence ). We have notified all four entities of our intent to file suit against them. And we have sent FS XXXX pre-suit demands for insurance information in preparation of that lawsuit. Incredibly, none of those things has gotten their attention. NCC has ignored all our correspondence, and the three reporting agencies simply continue to claim that they are " investigating '' the alleged debt before " verifying '' it and notifying us that it will remain on our reports. Despite our repeated demands, none of them has ever provided any FCRA 611 ( a ) ( 7 ) information, addressed in any way the 70+ photographs and other documentation that we have repeatedly provided to them, or responded to us in anything other than a cursory and disingenuous manner. We are hoping that we can get some relief through you rather than having to go through the extended mechanics of a lawsuit and jury trial.
Product: Debt collection

Contacted on XX/XX/XXXX by a phone number ( XXXX ) claiming to be an attempt to mediate a credit card balance in default. The account information did not represent any account I ever possessed. Additionally one of the mailing addresses was somewhere I've never lived. Informed them that I would not cooperate. Within a few minutes, received both an email and phone call from " XXXX XXXX '' ( phone XXXX ) saying this was the final effort to collect the debt before they proceed with legal proceeding to seize my assets. 

The agent provided the supposed credit card number ( XXXX ) and issuer ( Citibank ), as well as dates account opened ( XX/XX/XXXX ) and date of last payment ( XX/XX/XXXX ). Said that amount of initial debt was {$1600.00}, but is now {$4800.00} after fees and interest. I told the agent that I needed to confirm that information with Citibank. 

I never applied for nor received a Citibank XXXX in the past 30 years. I contacted Citibank, and they confirm that do not have an account under my social security number, nor is that credit card number valid. 

Received a voicemail from " XXXX XXXX '' XXXX XXXX today asking to resolve this issue, but the phone call originated from the same XXXX XXXX  phone number that the original " mediator '' phone call came from on Friday.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove these inaccurate charges from my credit report since XX/XX/XXXX with no reconcile to the matter at hand. My personal information was compromised in XXXX and fraudulent items appeared on my consumer report..I wrote to the credit bureaus in XXXX and never got a response..these fraudulent items are causing me hardship and I would like to rectify the situation before further efforts are taken to have items removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I believed I had purchased a XXXX XXXX XXXX from XXXX XXXX XXXX and XXXX in XXXX. I signed all the paperwork, made my down payment, secured insurance, and drove off in the car. However, when they submitted my application to the bank, the process became unusually lengthy. During this time, I repeatedly asked if the transaction was legitimate, as it began to feel like a scam. To make matters worse, they charged me more than we had originally agreed upon. 

When the bank did not approve the loan, the dealership ran my credit multiple times without my consent. They then pressured me into signing a new contract but refused to provide me with a copy. Meanwhile, they put me in a rental vehicle, claiming they needed to " fix '' the XXXX. When I returned, they demanded a larger deposit and instructed me to provide inaccurate information to the bank. I refused to lie or engage in fraudulent practices. 

I repeatedly asked for a refund or to return the vehicle, but they refused, stating I was already the registered owner with the XXXX and owed them {$10000.00}. At that point, I was unclear about what I was being charged for. I constantly felt uneasy, worried they might repossess the car over this mysterious debt. 

On XX/XX/XXXX, after consulting with the new bank and correcting the inaccurate information, I ultimately decided to return the vehicle. Multiple banks and financial advisors had warned me against continuing business with this dealership. Despite returning the car, I left with no refund, no vehicle, and multiple unauthorized credit inquiries that I never agreed to or 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
Product: Mortgage

I have contacted my mortgage company twice about how my mortgage is being reflected on my credit. I able for temporary forbearance due to Covid hardships and under the cares act its not supposed to negatively reflect on my credit. Its currently reflecting a balance increase.
Product: Credit reporting or other personal consumer reports

On my back ground check for employers, first advantage is showing a felony charge I've not been convicted of and it says no record found from 2016. This is the second time a future employer has used first advantage and the first time afew years ago, I did call and talk to a lady as she was supposed to remove it Someone else with same name on attached file regarding XXXX XXXX in XXXX, this isn't me. I've never been there and know nothing of this. 
On attached file from XXXX the fines due isn't accurate. I owe nothing.
Product: Debt collection

I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the following accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I'd previously asked PNC to contact me by email or, only to call before XXXX or after XXXX. This was requested several weeks ago, XX/XX/XXXX, on a recorded line, when I received a call in the middle of a work meeting. I was advised not to take personal calls during work hours unless it is from one of the stores or is an emergency. 
On XX/XX/XXXX, same time, during a work meeting, I received another call from PNC during a meeting. I was then reminded of the XX/XX/XXXX admonishment and sent home, suspended. 
I communicated this to XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) on XX/XX/2023 via email at XXXX. 
On XX/XX/2023 I again received a phone call from PNC bank representative by the name of XXXX XXXX. 
In summary, I have received repeated phone calls from PNC after I've asked them not to on multiple occasions which has resulted in loss of income due to work suspension. 
This is clearly harassment, a violation of the FDCPA ; and, it needs to stop!
Product: Credit reporting

The credit bureau is reporting a bankruptcy on my report. The courts do n't verify that information. It was pulled from a third party reporting therefore it needs to be deleted.
Product: Credit reporting or other personal consumer reports

All my information was exposed in a data breach and I want all of the late payments and collections removed now!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all 3 bureaus several times in reference to a XXXX XXXX case on my file and they are still reporting it. It's not mine it's my sons
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigated these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately of I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX credit was able to remove closed charge off on my personal credit report because I was involved in a data breach where my personal information such as SSI, date of birth and address. Also, during the time of investigation XXXX  XXXX continued to report to the credit bureaus. XXXX, XXXX  has updated removal of charge off on XXXX but it has not been updated with TransUnion. On TransUnion it is still reporting negatively.
Product: Money transfer, virtual currency, or money service

Cashapp also known as Block, refuses to help with refunds and complaints the way that a financial institution should. I informed them that I had been scammed and I was trying to get my money back from one of their users. They refused to assist me and their bot and rep could care less about what was going on. Their lack of concern made it seem like they knew the person was a fraud, but refused to do anything about it. I'm certain that I wasn't the only person who had been scammed by the individual. The individual was pretending to be a Certified Public Accountant, but it turned out to be a lie. I brought it Cashapp 's attention in order to get my money back. They told me to send a refund request to them, but when attempting to submit the request their app wouldn't allow me to do so. They shouldn't be allowed to continue operating as a financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union by certified mail requesting they provide proof of contracts between myself and the companies listed under collections on my credit file that are reporting negative information on my file. I requested to be provided with contracts between these companies and myself or for it to be deleted upon failure to produce said contract. This was my second request. They closed the dispute and said it completed and information had been verified and updated in my file. The first company listed on the letter received back from them, and which was also included on my dispute letter is XXXX XXXX XXXX. Trans Union didn't provide any proof of contract with myself and XXXX XXXX XXXX as requested, and closed the investigation as verified and updated. The second company which is listed TWICE on my credit file is XXXX XXXX XXXX. Trans Union updated the Loan Type, Date updated, and Remarks and closed the investigation as verified.The third company is XXXX XXXX XXXX. TransUnion said in the letter that this was verified as accurate. The final company is Fair Collections and Out. Trans Union stated this was verified as accurate, and stated other information has changed and closed the investigation. I have attached the letter that was sent to them in which I requested proof of contracts between myself and the companies listed above or deletion of this derogatory information in my credit file, as well as the investigation results they have provided which were unrelated to my dispute!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account for this creditor has been paid off since XX/XX/2019. As a part of the pay-off agreement, the account trade line was to be deleted as of a result of inaccurate reporting of late payment status. It has been almost two years and the account tradeline has not been deleted
Product: Credit reporting or other personal consumer reports

XXXX this company reported that this account was closed by grantor and this account was charged off. And also reported a late payment for XX/XX/2023 and XX/XX/2023. That is not true I called and closed this credit card myself cause i no longer use this card .When i closed this card XX/XX/2023 it was in good standing with XXXX balance and no late charges this year at all .Thank u
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested the removal of inaccurate information on my XXXX  Report and Experian report on approxiamely XX/XX/2021. This information was showing a collection from XXXX for an invalidated medical collection. XXXX  removed the inaccurate information within days. Experian has failed to remove the information or give information on why they allowed the information to stay on my credit report. I demand this information be removed from my credit report immediately. XXXX has failed to validate the debt and the debt is not a valid debt. How can transunion figure that out, and Experian just says it was denied. I demand validation.
Product: Debt collection

A collection showed up on my account from XXXX XXXX XXXX Colorado for XXXX. 
The account was created in 2023, and i have been using XXXXXXXX XXXX for XXXX years. I have attempted to located information. I did not open an internet, phone or tv account with XXXX XXXX in the last 7 years or more. 
I have disputed through XXXX and it continues to come as verified and valid. I have never received notification in the mail for a bill from XXXX XXXX. 
I have never received and invoice- i have lived at my current address for XXXX years.
Product: Credit card or prepaid card

I have filled numerous disputes with synchrony bank old navy credit card. Everyone has lied to me and I have submitted over 20 disputes and no one has help me. XXXX XXXX company charged XXXX in my old navy without my permission and no service was ever provided. I have many documents that this charge was done without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a complaint on XX/XX/XXXX regarding this same XXXX  XXXX XXXX account. Complaint ID XXXX, Yet the company respond that the account will be removed and it has not been removed since XXXX. 

It was revealed in my credit report that a charge off account is inaccurate that I did not authorize.I would like this accounts immediately remove from my XXXX and XXXX credit report : Account name : XXXX  XXXX XXXX Acct XXXX Date open : XX/XX/XXXX charge off XXXX ( XXXX ), XX/XX/XXXX ( XXXX ). I respectfully asked the creditor to provide some kind of proof of these alleged items, specially the contract, note, or other entrustment bearing my signature. additionally, to please provide the name, address, and telephone number of each credit grantor or other subscribers. It has been over 30 days and I haven't got a response. Under federal law they have 30 days to complete a reinvestigation. as well that the description of the procedure used to determine the accuracy and completeness of the information is herby requested as well, to be provide within 15 days of the completion of the reinvestigation. 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year> and noticed some things are incomplete and not accurate. And according ot the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them to reinvestigate these accounts listed below because [ XXXX XXXX XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate [ XXXX. XXXX  XXXX XXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate Can you look Into this matter
Product: Credit reporting or other personal consumer reports

i requested the following information from eastern account system and the information was not forward to my place of residents. i am writing to file a formal complaint against eastern account system for their blatant failure to comply with my requests for information as mandated by the FCRA and relevant U.S. codes. Their conduct not only demonstrates a disregard for federal regulations but also infringes upon my consumer rights.

i formally requested that eastern account system provide me with detailed information regarding account number 37846600 ( 1 ) Purchase agreement of the debt ( 2 ) Insurance claim of the debt ( 3 ) The CMI with the original creditor ( 4 ) Statue of limitations and last payment on the debt Despite multiple follow-ups, they have failed to respond adequately within the time frame specified by FCRA.

Their refusal to provide the requested information is clear violations of :!. FCRA section 609 ( 15 USC 1681g which entitles consumers to full disclosure of information in their credit file upon request.

2.FCRA section611 ( 15 USC 1681i which requires to verify in 30 days
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. 

XXXX XXXX, acct # XXXX, XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX acct # XXXX 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 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
Product: Debt collection

I have already paid off the debt for Total Visa Card ending in XXXX through XXXX XXXX XXXX debt collections. I have received and attached an email from them stating that the debt was paid in full with their reference number XXXX. Two additional debt collection companies, XXXX XXXX XXXX ( reference number XXXX ) is attempting to collect the debt for the same card ending in XXXX, as well as XXXX XXXX XXXX XXXX ( reference number XXXX ). I have realized that I have been paying XXXX for the same debt that was already paid off with XXXX XXXX XXXX. To date, I have paid XXXX XXXX XXXX XXXX {$330.00} in the amount of XXXX biweekly payments so far, as I did not realize this was the same debt that had already been paid to XXXX XXXX XXXX. I have reached out to XXXX XXXX XXXX and XXXX via their online portals regarding validation of the debt and have not received a response from either of them.
Product: Mortgage

I have been struggling financially for awhile now due to losing my job in the horrific pandemic. I was blessed to be approved by the HAF program on XX/XX/2022 with funds to clear my past due mortgage balance which lifted some of the burden away, at least I thought. On XX/XX/2022 my mortgage company notified me that my award funding through the HAF program was received. They informed me that it would take 3-4 days for the funds to be applied to my account and I would receive an email when the account was updated. On XX/XX/2022, I called my mortgage company again because I had not received the email confirming payment was updated and they informed me that no funds were actually received on XX/XX/2022. Due to misinformed information, I am unsure that they are being completely honest with me. I am worried that they are holding the award funds hostage in efforts to foreclose my home. I have 2 small children and I am in fear of us losing the only place we can call home.