23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX, the FCRA BECAME LAW " TO ENSURE FAIR AND ACCURATE CREDIT REPORTING, PROMOTE EFFICIENCY IN XXXX XXXX XXXX, AND PROTECT CONSUMER PRIVACY. '' XXXX XXXX. Co.of Am. V. Burr, 551 U.S. 47, 52 ( 2007 ) SHARING CREDIT INFORMATION, " THOUGH OFTEN NECESSARY IN MODERN ECONOMY, CAN RESULT IN A SIGNIFICANT INVASION OF PRIVACY AND CAN JEOPARSIZE A COMSUMER 'S PERSONAL REPUTATIONAL, AND FINANCIAL WELL BEING. '' DELETION OF WILLFUL NON COMPLIANCE NEGLECTFUL NON COMPLIANCE OF INTENTIONAL. FDCPA VIOLATION, INVASION OF PRIVACY, DECEPTIVE. TRADE PRACTICES BY THE COLLECTION AGENCY IMPERSONATING " ATTORNEYS. '' FCRA PROVIDES A PRIVATE RIGHT OF ACTION FOR THE INJURED CONSUMERS. 551 U.S. at 53 ; TRW INC. v. ANDREWS, 534 U.S. 19, 23 ( XXXX  ). A WILFUL VIOLATION ENTITLES. A CONSUMER TO ACTUAL DAMAGES. 15 U.S.C. 1681o ( a ). A WILLFUL VIOLATION ENTITLES THE CONSUMER TO ACTUAL OR STATUTORY DAMAGES, WITH PUNITIVE DAMAGES LEFT TO * the court 's discretion. 15 U.S.C. 1681n ( a ). DO NOT UPDATE ADVERSE INFORMATION PLACED WITHOUT HANDWRITTEN CONSENT BEFORE HAND!! DELETE THIS FRAUDULENT ACCOUNT AT ONCE!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report today and I noticed some inquiries on my report that Im not aware of as you know reporting anything inaccurate on my report is against the FCRA and it needs to be eliminated immediately. I dont mean to be so upfront but Im trying to better my life. 

Inquires : XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

I PAID THIS ACCOUNT OFF TO A XXXX BALANCE ON XX/XX/XXXX, WAY BEFORE THEIR CLOSING DATE OF XXXXXX/XX/XXXX. AND YET THEY CHARGED ME A {$2.00} FEE FOR THIS LAST STATEMENT, I REFUSE TO PAY THIS. IT IS BEYOND RIDICULOUS THIS {$2.00} FEE FOR A PAPER STATEMENT THAT THESE COMPANIES ARE CHARGING NOW. THEY CAN WRITE THIS OFF BECAUSE IT IS A STUPID FEE FOR NOTHING. I KNOW THE ACCOUNT IS PAID OFF, AND I WANT A NEW STATEMENT REFLECTING THE ACCOUNT AT A XXXX BALANCE AND THEY DON'T HAVE TO SEND ME ANY MORE STATEMENTS UNLESS I DECIDE TO DO BUSINESS WITH THIS COMPANY AGAIN. AND CHARGE THAT CARD AGAIN. 
Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) REFLECT THE ACCOUNT AS PAID OFF WITH A STATEMENT TO ME REFLECTING THAT IT IS AT A XXXX BALANCE AND WAIVE THE {$2.00} FEE YOU APPLIED TO THE MOST CURRENT STATEMENT. AND SEND SUCH INFO TO ALL CREDIT BUREAUS. 
ALSO PUT PAPER STATEMENTS TO ME ON HOLD UNLESS I STARTED USING THIS CARD AGAIN AT THIS PARTICULAR STORE. I CAN ONLY USE IT AT THIS PARTICULAR STORE - SHOP HQ/CARD BY SYNCHRONY BANK.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I disputed several collection items with XXXX, XXXX  and Equifax. as of today XX/XX/2020 I have not received any response from either of the three bureaus. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to all three bureaus XXXX of XXXX  and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue and getting my investigation started in removing these collection items because of the Fair Credit Reporting Act that states 30 days of no investigation and the item should have been deleted or verified. thanks
Product: Credit reporting or other personal consumer reports

I was in the process of buying a house and i realized i had damages on my credit report. According to the ( 15USC 1681 law ) there should not be any damages on my report, it is a defamation to my character.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of the XXXX Auto Loan ( Account # XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I request the immediate removal of this account for the following reasons : 1. Obsolete Negative Information ( FCRA 1681c ( a ) ( 4 ) ) The account is over 7 years old, meaning it will soon reach its statutory limit for reporting. If you can not verify the exact DOFD, it must be removed immediately.

2. Incomplete & Inaccurate Reporting ( FCRA 1681s-2 ( a ) ) The payment history shows several months ( XXXX ) where no data was reported ( marked as ND ), which makes the reporting incomplete and misleading. 

If an account is reported, it must be complete and accurate under the FCRA ( 15 U.S.C. 1681e ( b ) ).

Due to these inconsistencies, the entire record should be deleted as inaccurate under FCRA 1681i ( a ) ( 5 ) ( A ).

3. Potential Data Breach or Unauthorized Reporting ( FCRA 1681b ) I have not received any recent communication from XXXX regarding this account, raising concerns about whether they are still authorized to report this debt. 

If XXXX or any third party can not prove a permissible purpose under FCRA 1681b, the account must be removed immediately.
Product: Mortgage

I rescinded my loan mortgage XXXX XXXX, XXXX because I did n't have my disclosures my original lender out of business Wells Fargo the mortgage servicer ignored letter of rescission instead filed documents for illegal foreclosure 3 months later. I send 3 different letters requesting validation of debt via USPS with returned receipt which they totally ignored instead kept sending letters to my home with different amounts owed.
Product: Debt collection

Hello XXXX Hospital /DYNAMIC RECOVERY SOLUTIO , Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$4600.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$590.00} XXXX XXXX  XXXX {$170.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$82.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$940.00} XXXX XXXX   XXXX {$800.00} XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$300.00} XXXX  XXXX XXXX {$1900.00} XXXX XXXX {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never contacted about this debt or given a chance to respond to it. I don't believe the debt to be valid and I am currently gathering evidence to dispute it. This alledged debt was never verified and placed on my credit report without anyone ever contacting me at any point in time by any medium. 


On Saturday XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I pulled my XX/XX/XXXXand XX/XX/XXXX credit scores and found that I had a complaint against me from a company called national credit systems. This was for another company called XXXX XXXX. I called them both on Monday XX/XX/XXXX and it turned out that XXXX XXXX received a claim from an old apartment that I used to live at called XXXX house apartments. 

On Monday the manger of XXXX house apartments informed me that XXXX house apartments decided to replace the carpet after 7 years. I had lived there XXXX of the time. They charged me XXXX of the cost of a new carpet. I'd asked why they never informed me of this, she claimed to have sent a letter to an old address of mine on XX/XX/XXXX. I'd never received this letter despite living there at the time and having mail forwarding for this address until XXXX or XXXX. They also had my phone number and email address and never bothered to message me on those mediums either. 

My last contact with XXXX house apartments was with the XXXX who had told me that due to covid ( in XX/XX/XXXX XXXX that they wouldn't do a formal walkthrough with me. She'd told me that I was XXXX, and there were no observed damages. 

Apparently. sometime last year they made the decision to replace the carpet on my dime, despite there being no clause in the lease allowing that. As replacing normal wear and tear isn't something covered by the lease. They sent it to sure deposit as a claim. 

Then sure deposit says they don't actually attempt to contact people. They sent it on to national credit systems for collections. National credit systems claim to have sent a bill in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXMi. Which I had moved out of in XXXX of XXXX. My mail forwarding from that address lasted 3 months from XXXX of XXXX to XXXX of XXXX. 

If they actually sent a notice to the wrong address 6 months after I moved out, I would have no way of actually getting said letter. They also never called or emailed me, despite sure deposit a subsidiary having a copy of it. The representative I spoke to claimed that they called my number, but was unable to produce any logs of the calls. They also reported the wrong phone number as mine on my TransUnion credit report. I believe they called the wrong number. 

I actually rented an industrial rug washer from the hardware store and washed/cleaned the carpet before turning the keys over on XX/XX/XXXX into a dropbox because of covid the office at XXXXXX/XX/XXXX apartments would not meet me in person.
Product: Credit reporting or other personal consumer reports

My credit reports with Trans Union, XXXX and XXXX are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name.

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only phone number is XXXX
Product: Checking or savings account

XXXX XXXX failed to let myself and other customers know about the " technical difficulties '' they were experiencing from XXXX. I usually get direct deposits from my employer to XXXX XXXX. However yesterday i did not receive my deposit of {$1600.00}. When i contacted customer support i was told my funds would be available the next business day ( Friday XX/XX/XXXX ), but i did not receive those funds this morning. Now today they are saying Tuesday. This has been nerve wracking for me because i have bills that are due and were scheduled to come out of my account, now i don't know when those bills will be paid because they don't know when their problem will be fixed. I'm unavailable to contact XXXX and XXXX who are the third party companies that handles the processing of deposits to banks in the US.
Product: Debt collection

Allied Collection Services for the Amount of XXXX I took several steps in resolving this problem with Allied Collection Services of California I am writing to you regarding a debt that has been wrongly associated with my name. 
My name is XXXX XXXX and I am a member of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX. I have recently become aware of a debt that is appearing on my credit report with Allied Collection Service which does not belong to me. It is a breach of my fair credit reporting act 15 USC 1692e ( 8 ) False or misleading representations & FCRA 605B 15 USC 1681. l am giving my exoneration of this debt, not belonging to me and demanding immediate deletion of this inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive tried multiple attempt to have information on my credit report blocked. Due to collection agencies not following proper protocol pursuant to my right as a consumer involved with Title 15 U.S.C. These companies have not been doing what is fair and equitable to me as a consumer, as my rights have been violated. I have sent dispute letters explaining the issues, and no proper remedies were made. 

Dates I contacted these companies XXXX XXXX XXXX XXXX XXXX XXXX CRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian CRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRA XXXX XXXX XXXX XXXX  For reasons of inaccurate reporting of accounts on my credit file. 

They did respond just not in a timely manner but informing me that all account were accurate but with no proof of any kind shown to me.
Product: Mortgage

Dear CFPB Team, My lender Citadel is not responding to any of my emails or phone messages. 
Their representative, XXXX XXXX XXXX from XXXX requested that I provide a locked loan approval to suppress any negative credit reporting so I could finalize my refi with a new lender. 
I did submit the locked loan approval about 10 days ago which will expire by the end of this month. 
However, Citadel has not reported as us current and we tried to get a hold off XXXX XXXX XXXX from their Customer Advocacy Team ( who is handling our account for the past year ) via email and phone for 1 week now without any success.

Moreover, we have tried to get any other supervisor on the phone without any success.

No one is returning emails or our phone calls and our last 3-month mortgage payments, which we made over the phone with a live representative at Citadel, were initially accepted and then returned to us a couple of weeks later via check.

It seems they are trying to avoid speaking to us so they can start the foreclosure process.

The moment we asked Citadel to join the California Mortgage Relief Program which was created to help people like us, who fell behind and were placed on forbearance during the Corna Virus shutdown in 2020, Citadel started retaliating against us and placing our monthly mortgage payments without telling us into a suspense account and then returning the funds. We have not been able to pinpoint what they are hiding and why their upper management did decide not to join the California Mortgage Relief Program. It would have been a wonderful solution for us and them and it seems that their business practices are so shady that they are completely closing off their affairs to outside agencies. 
Furthermore, we tried again to get any representative on the phone today who could help us with our refi issues and were told by XXXX XXXX from the collections office that he sees 3 prior requests by us for a supervisor call back which unfortunately have not been returned at all. Today again, there was no supervisor in 3 different departments available to talk to us.

This is completely unprofessional, unethical, and incompetent for a financial institution.

Please help us investigate Citadel 's business practices.

Thank you very much.

With best wishes, XXXX XXXX
Product: Checking or savings account

I signed up to use the Bright XXXX XXXX app in the XXXX app store. They provided my a 6 step plan, and step one was to fund a " rainy day fund ''. I deposited {$1000.00} into this " fund ''. I then shortly after withdrew it back to my XXXX. Its been 6-7 weeks later, I have not received the funds. The funds are not available in any account Bright XXXX Co has under my account or makes me aware of. 
The money is accessible nowhere to me as the consumer. I contact support throughout these 7 weeks, support responded with erroneous, and or completely irrelevant/incorrect information about my personal details and account with them. In addition, several other messages were ignored, or neglected. I'm initiating a small claims suit against the company in XXXX XXXX XXXX. However this companies practices is violating and disturbing that they think they can freely do this to people and get away with it. Please punish them.
Product: Mortgage

My Investor on my property is XXXX XXXX. Select Portfolio Servicing Inc is servicing my loan. In XXXX XXXX I was approved for a HAMP modification and given XXXX trial payments. XXXX and XXXX XXXX and my last XXXX XXXX XXXX. I have made all my trial payments on time and verified that with the modification represenative and the mortgage company refuses to permanetly mondify my loan stating that HAMP wants a LOMA on my property. I called HAMP and they stated that the servicer is wanting that information due to it being about insurance not behind payments.This servicing company that XXXX XXXX gave my loan to be serviced by is sabotaging my HAMP modification so they can get my house. I want flood insurance, they lender placed it but state it does not meet their minimum requirements. Based on a letter sent to me the lenders placed insurance DOES meet the requirements. That makes no sense to me at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I was notified that I have a collection reporting to XXXX and Equifax from a timeshare with a balance of XXXX. I have contacted XXXX XXXX XXXX ( on XX/XX/2023 and XX/XX/2023 ) and asked or some type of signature, ID, or anything that the person provided when using my name and social to sign up for the timeshare. The representative told me I have to file a police report and notify XXXX and Equifax. 
I then reached out and filed a dispute with XXXX and Equifax. I sent letters of dispute in XXXX, I waited 30 days and sent another in XXXX asking for validation that this is my debt. They responded, but they only sent a copy of my credit report, without actually investigating. I sent another round of letters on XX/XX/2023 and I got the same response. In my last response, I asked them to provide the name and business addresses of each individual with whom they verified the collection with, the date they contacted them, the method of communication, and a provided signature or identification they have on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX and I mailed additional information and they closed my dispute without receiving/viewing my mailed documents I mailed XX/XX/XXXX. 
This dispute was in regards to a XXXX XXXX XXXX which is financed with XXXX XXXX XXXX which is a predatorial financial institution and the XXXX on the loan is almost 29 % the vehicle was a lemon it literally broke down the same day the contract was signed it had a fuel line leak and I co-signed for the other person on this loan and we took the vehicle back to the dealership that we got the car from and I gave them a notice of cancellation for the contract which they disregarded and sent the car home with their technician of 30 years and the motor blew and the dealership as well as the financial institution are refusing to cancel the loan it has gotten to the point where I had to file a restraining order on the person that I co-signed for and I included a bunch of documents for the dispute and XXXX closed my dispute without receiving or reviewing the documents because they were just mailed last week and put the loan as remains status the financial institution for this loan has had many lawsuits for usury and the loan should have been cancelled the day after the contract was signed because I gave a notice of cancellation as well as the that the vehicle had mechanically were unacceptable be loan through Credit Acceptance needs to be removed off of my credit
Product: Debt collection

Pressler and Pressler a ttorneys for   XXXX   XXXX   XXXX   XXXX   claim that a summons and complaint dated   XXXX   XXXX   was sent to an address on file for me in reference to a credit card debt with   XXXX   XXXX  . They are saying that I did not respond to the complaint and that a judgement was entered against me on   XXXX   XXXX   XXXX    .   The address that they are saying the complaint went to is not my address, I have never seen a copy of said judgement or amount claimed to be owed. The statute of limitation in NJ is 6 years so how can these people continue to harass me! I recently received a threatening letter telling me that my wages will be garnished if I do n't respond to this same allege debt and they also had the court freeze my bank account! There are no judgements listed on my credit reports against me and neither is this company with this allege debt.
Product: Mortgage

I am being forclosed on by Wells Fargo. I have been in my home for XXXX years, my mortgage has been traded or sold a few times. When Wells Fargo had it, they gave me a line of credit which they said was like a XXXX mortgage. I was having some financial difficulty because of a theft and tried to refinance. WF took that line of credit and my XXXX mortgage a put them together telling me it was a modification.They told me the interest would be a lot lower than 12 % and I would be paying less what I was paying at the time. They instead brought the interest rate up to 12.02 % and {$1100.00} a month and told me I did n't have a choice in the matter and I should have read the fine print. In XX/XX/XXXX I lost my job of XXXX years becuase my boss XXXX. I was on unemployment for a XXXX in which they temporarily reduced my payment. They told me they would work with me and make it so I could still afford my home after the unimployment was done. I have applied and reaplied. They will notwork with me. I can not afford the 12 % interest and {$1100.00} payments since I only make {$XXXX} an hour now. They refused me a Hamp Loan or any other plan because they say that I got my loan after XX/XX/XXXX which is not true. They even tried to sue me for the title that they lost. The people bullied me and were very rude. The woman that I talked a few times keep calling me and telling me that I needed to just turn over the house to them and after my surgery I could die then it would be a problem for them to get the house settled so just turn the house over to them before I went to the hospital.. At the moment I am trying to find a Lawyer that can help with this. I did have a Mortgage counsiler from the State that spent XXXX hours working with me and WF trying to resolve this. She said that she had concerns of their predatory nature of thta loan. I do not want to lose my home. I am trying to get the loan where I can afford it at an resonable interest rate. Im not sure where to turn. XXXX XXXX