23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX Another XXXX I lived in an apartment complex as a minor with a lease expiration near my XXXX birthday. I moved out and got my own place but my family remained in the unit. 

It was tax credit and under my uncle 's name so the kids could go finish and not change schools. Initially my mom applied and they told her her income was over the limit. She didnt even complete the application nor sign but they kept her application on file for 4 yrs with her social security number. 

When my uncle passed, my mom tried to finish off the lease payments but the new property management changes yearly and they said we had to move out because her income grossed too high. 

They went to court and the judge ordered the apts to return my mom 's rent money she had been paying since we were n't able to stay. They were trying to kick us out and keep month 's of rent at $ XXXX. 

Out of spite they ran bogus charges like {$100.00} to change a {$10.00} lock for example and many more until it added up to $ XXXX. They posted it to both my credit and mom 's credit history. 

I tried the credit bureaus to dispute and it 's been over 2 yrs and its still there. We got no 30-day dispute notification or anything. We found out by another apartment lease application. 

I called the original apt office who posted collections and got a new manager and she agreed to have it removed and send a letter to the new apts office but the leasing agent from before was still there and realized i was connected to that experience she had in court and squashed the resolution letter because of personal emotion that the judge sided with my mom in court. 

She was mad she had to return all the money and being a stickler for everything she could grab claws to and hadnt even verified the debt like requested but the credit bureau did not follow up like they were supposed to and kept extending them long grace periods for response which the creditor abused the system. 

When the lease ended I never signed anything to stay there. I had my own place. 

So here it is XXXX3 yrs later and i still have dispute under collections for my credit report. We spoke with other neighbors from the apt XXXX and they had similar experiences with XXXX kicking them out frivolously and posting to their credits.
Product: Checking or savings account

Attempted to open a savings account today but was refused due to negative reports from US Bank. 

U.S. Bank XXXX XXXX XXXX XXXX, MN XXXX Because of their reports of a charge off debt I could not open an account at my bank XXXX XXXX. 

The reason for the debt is from an overdrawn amount of XXXX for which US Bank charged me {$50.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are not mine. 
XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX dates back to XX/XX/XXXX
Product: Debt collection

I never ever applies for XXXX Cll phone or any of XXXX service I have no idea and words this Collection came from or started
Product: Debt collection

I rented a XXXX truck from XXXX, CA, in XX/XX/2023. The order was created by XXXX XXXX and completed by XXXX XXXX, both of them didn't give me any information on insurance on the phone. I sent my studio assistant to pick up the truck and they gave me a reciept which has no signature by me or anyone at XXXX branch. I took the truck to XXXX XXXX, where its catalytic converter was stolen. I called XXXX 800 number and they asked me to take the truck to XXXX branch for a trcuk swap. 
In XXXX, I got an invoice from XXXX for {$13000.00} with just two days to pay the amount and a phone number for the XXXX XXXX branch for any questions. Both the XXXX and XXXX XXXX branch did not have any information on this when I called them and even suggested that it must have been a misunderstanding as they said its unheard of that XXXX charges the customer for this kind of theft. I was relieved and forgot about the incident. 
Five days ago, last week of XXXX, I got a phone call from XXXX XXXX from the company XXXX saying he is a collection agent and I have an unpaid bill from XXXX. I was frightened and horrified. I called both XXXX and XXXX XXXX branches again, and they found out that the XXXX branch was the one who sent out that bill. I spoke to someone named XXXX at XXXX who refused to hear me out and insisted that I pay the full amount. 
Meanwhile, I called XXXX company to find out if they are having similar catalytic converter thefts and if they are charging their customers. They said yes, they have had several thefts and they DONT chanrge their customers as the compamy has insurance for their vehicles. My concern is that the XXXX branch is trying to threaten me to pay the charges for something which Im not personally responsible ( unlike a vehicle collision ). 
I need some advice. I'm a struggling XXXX and I'm in no capacity to pay this charge. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. This ground for removal under : 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 or other personal consumer reports

I recent reviewed my credit report, i had noticed fraudulent accounts on my report. these items are hurting my ability to obtain credit, please remove these accounts from my report. thank you.
Product: Credit reporting or other personal consumer reports

In accordance wit the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. These accounts violate all.
Product: Credit card or prepaid card

On XX/XX/XXXX I ( XXXX XXXX XXXX initially called Barclay to inquire about lowering the interest rate on my credit card ( ending in XXXX ) due to making consistent on-time payments and based on their periodic review of my account standing. Per my inquiry, the customer service representative indicated that they ( Barclay ) does perform periodic reviews of my account which includes a review of my credit score as well as a review of my general account standing over time. Further, I inquired as to the last time they pulled my credit report to ascertain my credit score and they indicated they did so quarterly. In accordance with the Fair Credit Reporting Act, I requested my credit report for the last quarterly review they performed and they declined sending me ( XXXX XXXX ) my report per their review ; after having admitted they pull the credit report in order to ascertain the credit score. After requesting a supervisor and repeating the same issue and inquiry results to them, they confirmed that they do, in fact, retrieve my credit report in order to receive the consumers credit score during their periodic review but I noted that I neither received a notice that my credit report was pulled nor was I contacted via letter with the results of said pull. Finally, I requested the results of their last periodic review with the intent of lowering the interest rate on the aforementioned card ( ending in XXXX ) and they noted that my account did not qualify for the lower interest rate or any promotional rates in accordance with their review parameters. 

On XX/XX/XXXX I spoke with Barclay again regarding the interest rate and the periodic reviews of the aforementioned card ( ending in XXXX ). Upon reviewing the signed consumer agreement ( which was signed in XXXX upon opening the account ) it noted that any reviews of consumer reports or credit scores associated with rendering services in accordance with the agreement will abide by the FCRA legislation and any and all associated regulations. After speaking with customer services representatives and supervisors regarding the same complaint for the second time, they noted that my account once again ( per their review ) did not meet the requirements to attain a lower interest rate or any promotional rates. 

I ( XXXX XXXX ) am writing the CFPB in the hopes of shedding light on Barclay 's practice of not sending consumers their credit reports in accordance with FCRA as well as not abiding by their own internal processes and procedures within their consumer lending practices. Additionally, failures in controls and control environments intended to gain assurance over the fact that their current processes and procedures are aligned with federal and local regulations can not be operating effectively. I am requesting intervention in obtaining the reports they pulled. If they can not furnish the reports I am requesting intervention on the basis of fraud, in the sense that they are baiting consumers into signing agreements and promising services they are simply not rendering. I request indemnification in part or in full.
Product: Credit card

Synchrony Bank provides the " Care Credit Card '' in the state of Mississippi. It was presented as the only option for financial assistance for dental work. When needing dental work XXXX XXXX XXXXXXXX in our children 's teeth in XXXX of XXXX, we were told that the card is an interest free credit card so long as the minimum balance is paid each month. We paid the minimum- which automatically adjusted when we had other dental work done, each month, with no issue. After 18 months the accumulated interest at a rate of 33 % appeared on our bill- just under {$1000.00} in interest. Mathematically, it is impossible to actually pay this card off by the minimum payment with the given interest rate. This is presented as financial aid, when in fact it is the very definition of predatory lending. It was my understanding that legislation has passed barring this sort of practice. Even if not illegal at the moment, this is unethical. To present a high interest card in a misleading fashion as the only financial aid to a person in the moment of emergency need is unconscionable. We are seeking some sort of relief from Synchrony Bank, but have simply been told to increase our minty payments- which only mildly cuts into the growing interest.
Product: Debt collection

Firstly, I do not owe this debt. 

I have repeatedly asked the company to cease all communication, as I am a victim of human trafficking and am working daily to regain my identity and rebuild my confidence. I have provided them with the human trafficking case number from the police through CFPB which can be fact checked. Despite this, the phone calls, emails, and text messages have continued. 

Now, I am being threatened via text messages with fraud charges. If they choose to file these charges, thats their decision, but I am not responsible for this debt. Furthermore, it is illegal for a debt collector to use threats or intimidation as a tactic to collect a debt. 

Please cease all further communication immediately. 

First, you misrepresented yourself as an attorney, and now youre threatening to send me to jail for a debt I did not take out. You stated, This is a written notice to you, we will be filing fraud charges on behalf of XXXX XXXX XXXX. This will be filed with the XXXX Police Department, signed by XXXX XXXX from XXXX XXXX with the phone number XXXX. 

Please do as you see fit, but I do not owe this debt. I am requesting once again that you stop contacting me immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. I sent in letters to the credit reporting agencies, called over the phone and finally was able to reach a representative for both XXXX and XXXX  and tried as best I could to state my claims. Firstly these rep, helpful might I add but they both said they were not stationed in the United States nor could they locate the letters I send it. I'd like for a resolution. Please help me.
Product: Credit card or prepaid card

On XX/XX/XXXX, I purchased a new XXXX XXXX XXXX from XXXX for {$240.00} for my daughters birthday using my Bank of America XXXX. I received the package on XX/XX/XXXX. As this was a birthday gift for my daughter, it was not opened or inspected until XX/XX/XXXX ( kept in the original packaging ). Immediately upon opening the original box from XXXX XXXX, the laptop screen did not work properly. The screen flickered and was blank on one half of the screen. On Monday, XX/XX/XXXX, I called XXXX XXXX and was told that they would exchange it and to bring the laptop to the local XXXX XXXX in XXXX, MA. On XX/XX/XXXX, I brought the laptop to the XXXX XXXX return counter in XXXX, MA. They instructed me that I had to go to the XXXX XXXX counter, despite my insistence that the computer was being returned for a replacement, as per XXXX XXXX posted return policies. The gentleman at the XXXX XXXX counter looked at the laptop for XXXX seconds and said that I had damaged it. I explained to him that when the laptop was opened for the first time, this was how the screen looked and that there was no damage ( as he admitted ). He refused to accept the return and told me I would have to pay them to fix it. I refused. That same day, I called XXXX XXXX back to inform them of my experience with the local XXXX XXXX   store. The customer service rep then informed me that they do not accept returns for damaged goods, despite their online return policy stating otherwise. She also refused to accept the return of the defective product, despite their online return policy stating otherwise. I initiated a chargeback with Bank of America on XX/XX/XXXX and was issued claim # XXXX. I was told by their customer service rep that I would receive more information in the mail requesting additional information. I never received any mailing asking for additional information or any other information. On XX/XX/XXXX, I received a letter from Bank of America informing me that my claim for chargeback was denied. I sent in a statement and rebuttal of that decision on XX/XX/XXXX, after speaking with their customer service. On XX/XX/XXXX, I received another letter stating the claim was again denied. I purchased a product from XXXX XXXX that was delivered defective. I attempted to exchange the product as per XXXX XXXX XXXX  policies posted. I was denied by XXXX XXXX, despite their posted policies. I initiated a chargeback with Bank of America. Despite proving my case, the denied my claim. The paperwork from XXXX stated that Bank of America did not process their paperwork in a timely fashion and was denied due to the claim being submitted beyond the 30 days required. I filed my paperwork timely, as agreed. 

In addition to the above complaint, Bank of America has tried to contact me via telephone after I made several complaints to regulatory agencies. I wouldn't consent to Bank of America recording the call and they terminated the call. I don't trust Bank of America for obvious reasons.
Product: Debt collection

I received a collection notice from XXXX XXXX the current creditor is Cavalry XXXX. I called Cavalry to ask them if this as collection from 2011 would come off my credit report since it was transferred to another agency no one could tell me even the Vice President of Operations refused to tell me. His name is XXXX XXXX. I also add o asked when did I make my last payment he said XXXX 2011 I asked by check money order he did n't have access. I also asked if I paid this debt would the credit reporting agency start the statute of the debt start over he could not answer. He kept telling me to contact XXXX XXXX. He had no answers to my questions. I do n't feel he was being honest. I asked him about deleting the debt if paid because of the age of debt he had no answer only that they do n't delete for payment please help me understand how a debt can be given to another agency and both can report on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I was just logging into my XXXX  XXXX  on XX/XX/XXXX. It currently says my score is n/a when i last looked about 2 months ago I had a score over XXXX. The reason I was looking at my score was because they had mentioned some company called XXXX XXXX XXXX XXXX  saying that I owe that them XXXX from XXXX. This is 100 % inaccurate information. Under the fair credit reporting act I would like to see my signature agreeing to this as any time I have ever used a rent a car there have been no problems and I've used hundreds of rent of cars over the past 4 years as am I am a XXXX  XXXX  you can XXXX my name on XXXX XXXX XXXX is my wrestling name. If someone can call me so that we can resolve this misunderstanding this would be great. I have been renting cars for years without any problems.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. Please update for lawful accuracy. Otherwise, update ASAP. Below are the inaccurate items : Late Payment XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX Collection XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX XXXX  # XXXX No Category XXXX  # XXXX
Product: Debt collection

This debt was cancelled by Barclays Bank last year. I reported it to you and the Bank removed it from my credit report. It is an extremely old debt and over the time to collect. Now they have turned it over to another collection agency to harass me. The debt collector calls and speaks derogatory to me and intimidating me to pay this bill that does not exist. Baraclay should be aware of this tactic and get rid of this debt since this issue has been resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against the major credit reporting agencies ( Experian and XXXX ) for their continuous violation of the Fair Credit Reporting Act ( FCRA ) regarding the verification of public records on my credit report. 

Over the past several months, I have made numerous inquiries directly with these credit reporting agencies, as well as through the CFPB, requesting the specific method of verification used when dealing with disputes related to public records on my credit information. Despite my persistent efforts, the responses I have received from these agencies have been unsatisfactory and in violation of the FCRA. 

The credit reporting agencies have only provided a general explanation, stating that they utilize a third-party service for verification. However, I have specifically requested the following details, which have not been provided : 1. The exact name of the third-party company used for verification. 
2. The name of the person who verified the information.

3. The date when the verification was conducted.

4. The contact information for the person or entity who performed the verification. 

This lack of transparency is a direct violation of my rights under the FCRA, which mandates that consumers are entitled to know the precise method of verification for disputed information on their credit reports. 

To further support my complaint, I have attached a letter from the United States XXXX  XXXX. This letter explicitly states that the court does not report information to credit reporting agencies nor do they verify or validate information in consumers ' credit files. This clearly indicates that the credit reporting agencies ' claims of using a verified method are unsubstantiated. 

The continued refusal of the credit reporting agencies to provide the requested specific verification details or to remove the inaccurate public records from my credit report is unacceptable. Therefore, I am requesting that the CFPB take immediate action to bring these agencies into compliance with the FCRA. Specifically, I request that the CFPB : 1. Compel the credit reporting agencies to disclose the exact method of verification used, including the names, dates, and contact information of the verifying parties. 
2. Alternatively, mandate the removal of the disputed public record items from my credit report if the agencies can not provide the requested verification details. 

I trust that the CFPB will address this issue with the seriousness it deserves and ensure that my rights as a consumer are protected. 

Thank you for your attention to this matter.
Product: Mortgage

I requested a Forbearance in XX/XX/2020. I was accepted and continued to request assistance through the Pandemic as my business and income was directly affected by Covid -19. In XXXX of 2020 the Forbearance ended, I continued to request assistance, and have since been given the run around, without much assistance or information as to the programs that may be available. I have been in constant contact with Rushmore Loan Management Services , LLC. and their Loss Mitigation Dept. On XX/XX/XXXX I requested again for a Loan Modification and sent a new application into the Loss Mitigation Dept. for review. I have since complied with all requests for new bank statements and all documentation that was requested. I have yet to get an answer just more delay and run around on what is needed. I have expressed over and over that I want to keep my home and that I can make the payments. Please assist me in getting this Modification completed and past due payments caught up. This has also affected my Credit, as they have been reporting to the Credit Bureau that I have been late! Before the Pandemic I was caught up and current on my Mortgage Payments. Please assist me to keep my home. Thank you, Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

The investigation took longer than 30 days. I have attached my dispute letters I sent to XXXX, XXXX and XXXX which date my first letter to XX/XX/23 and my second letter to XX/XX/23.