23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

" Rent Recovery Solutions '' and " XXXX XXXX XXXX '' are extorting multiple people for old debt not owed. I am a former tenant of XXXX XXXX XXXX owned by XXXX XXXX XXXX. I followed current Lease termination agreement at the time to a tee. Giving them a 30 day written notice, as well as communicating with the local property management. I left my apartment under good standing. As a matter a fact I over Paid by {$500.00} to cover any residual or pending fees - such as a {$35.00} a day rent ( as property manager stated ) till unit was rented and occupied. That happened less than 24 hours after I left. Tenant was occupied XX/XX/XXXX - confirmed by property management. Also confirmed by myself as I had to retrieve mail from the new tenant. ( He had my bank statement and opened it ). I had reached out a many times in XXXX, and XXXX trying to collect my security deposit and refund over payment. They seem to roll over Property Management a lot. Never got anywhere - fast forward almost 6 years later - I get a ding on my credit report. I reported to XXXX and NC Govt consumer site. 
They are trying to collect debt not owed - and using my former residency as a SCAM. I fulfilled my requirements at the time and OVER PAID. I want my credit report fixed, and return {$650.00} owed back to me for over payment & security deposit. I have reached out to corporate and got a VM of XXXX in Legal for XXXX XXXX - never heard back. I am also seeing a trend of this behavior on the XXXX  site. I am not the only victim of extortion. 5-6 years later. ( After the fact ) Why Now? Using tenants as a way to boost profit?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account number XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX/XXXX  XXXX. The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX The type of account reporting is incorrect. An account can only be charged off once not every month. How can a closed account keep reporting late payments? This is inaccurate. The FCRA says, 100 % accuracy. 

XXXX XXXX XXXX XXXX XX/XX/2017the account was 60 days past due then XX/XX/2017 the account was 30 days past due. How is this so? This is incorrect reporting. 

A charge off account should have a XXXX  balance and written off. It's a violation to have a past due on a charge off account.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention that I have been a victim of identity theft. Over the past few months I have been receiving a ton of denial letters and collection letters from creditors that I do not recognize. These letters led me to pull a copy of my credit report with XXXX XXXX. That's when I found that my credit had been compromised.
Product: Debt collection

I received a two letters from ARS that was date stamped as of XX/XX/2019 with a date of service on XX/XX/19 from XXXX XXXX of XXXX, one has a balance of {$1000.00} and the other has a balance of {$1100.00} that states they verified the information and confirmed the balances are correct. 

I responded on XX/XX/2019 with a certified investigation letter asking for more information on these debt. ARS sent the exact two same letters out again with a date stamp of XX/XX/2019 with no valid proof this debt belongs to me. 

As I stated in the original investigation letter my rights per the Fair Credit Reporting Act, is to challenge anything I am not sure is accurate and request for valid proof. Also according to 15 U.S.C. Sec 1681i, if they aren't able to provide proof of these account they aren't able to collect or report them to credit reporting bureau. Which all of this is to be completed per the Fair Credit Reporting Act within 30 days of the date they receive my letter.
Product: Debt collection

The debt collecting company sent me a XXXX ( cancellation of debt ), which they filed with the IRS on XX/XX/2020. My 2020 IRS Transcript has proof of this cancellation. In the Identifiable Event Code section of the XXXX, the debt company wrote " By Agreement '' but I did not agree to any of these decisions and if there is an agreement, I request to see the proof. 

This account is reporting on my XXXX Credit Report as a collection item. It is accruing interest and fees and has a balance of {$24000.00}. All of which should be reporting as {$0.00} because of the debt cancellation. This matter has been affecting my credit, my credit score and my personal life because I have not been able to get approved for credit. 

This same account is reporting as a {$0.00} balance on my XXXX Consumer Report. The inaccuracy of the reporting is a violation of the Consumer Reporting Act. I want this account and its entirety deleted and removed from my credit report immediately. Again, the information is incorrect, and it is also fraudulent behavior because it was listed as an agreement. Please verify this debt and remove it from my consumer report as soon as possible to ensure that I am being treated fairly in my pursuit of happiness under the US Constitution and the Fair Credit Reporting Act. 

I have reached out to the company, but the gatekeeper would not allow me to speak with the supervisor or manager. Please help me correct these errors. 

( In the attachments you will see my XXXX Credit Report with the balance showing {$0.00}. You will also see the IRS Transcipt showing a XXXX Cancellation of Debt for this matter with the balance showing {$0.00}. You will also see 3 screenshots from my XXXX XXXX XXXX XXXX which is connected to my XXXX Conusmer Report and shows the incorrect balance of {$24000.00}. )
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was improperly handled by Equifax resulting in potential for identity thief. My confidential information has been released due to their negligence.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX XXXX ( XXXX ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

Payment made over minimum required was applied to 0 % APR instead of higher interest rates balances. Even after requesting the bank it was not corrected where as card agreement says any extra payment made more than minimum required will be applied towards higher interest rates balances first.
Product: Debt collection

This is my third attempt to get this resolved. Stallings Financial continues to leave on my XXXX report a medical debt that is owed by my insurance company, despite my sending a letter to them with this information. 

I have now reached the next stage of having my insurance company pay this debt, despite Stallings continued reporting on my credit report. 

I am attaching the paperwork sent to XXXX XXXX XXXX towards my efforts to get my health insurance company to pay this debt. This should not be reporting on my credit report and I once again demand XXXX cease all attempts to collect a debt that I do not owe and have repeatedly advised is owed by my insurance company.
Product: Debt collection

I signed up for an XXXX credit card in store with a {$1000.00} limit in XXXX XXXX They failed to send me a physical card but I was able to buy things on the account anyway. This became a problem when it came time for me to pay the card because every store I went to had different answers about whether or not I could pay the bill in store - sometimes same store, different employee response. 
I called, got the directions to use USPS mail to send my written social security number and ID scan into.so they could verify my identity before sending a physical card. I received a letter in the mail over a month later stating that my identity check was rejected - no reason why given. When I called and asked, they also couldnt tell me the reason for rejection. 
I spoke to them again in XXXX when they called to collect my bill payment with a late fee on it. Keep in mind I still cant pay the bill online or in store. I asked them to remove the late fee and I agreed to pay the remaining ( actual ) balance this once over the phone. They agreed and assured me I would receive my card in the mail. I held off on making any further purchases until my birthday came around in XXXX They had started stacking late fees on my account, so I called and paid the balance again but said I would not pay the fees. I called and explained the situation to multiple customer service reps who apologized and said, Im sorry, this is not your fault, which made me hopeful. But once I was transferred to Collections, specifically the Supervisor, she was horribly rude, hardly acknowledged any point I made, and blamed the entire situation on me. Zero options for compromise, not a hint of sympathy. When I told her I wasnt paying the fees and would be filing a complaint, she scoffed. 

Since, they have spitefully limited my account limit to barely {$100.00}, further hurting my credit. 
I have told the Supervisor of Collections and several other collectors at this point that I dont plan to pay it and Ill be taking a complaint elsewhere, yet they call multiple times a day from several numbers or No Caller ID. Its harassment. 
This is also not my first nightmare experience with Comenity. If I had realized they were funding the cards I never would have signed on.
Product: Money transfer, virtual currency, or money service

Venmo froze my account and then required I provide proof of my identity to them which I did immediately and received no updates, no contact info no addiontal information whatsoever until a week later when I was told after an investigated they had determined I violated their business practices, they have permanently closed my account and they would not be releasing any remaining funds ( XXXX ) for up to 180 days. no explanation, no phone number or email exists for that department even after calling Venmo customer support I was told they know nothing about those investigations beyond seeing my account was in fact frozen and being looked at. there is no recourse, they will not even disclose what the violation was. no info at all was provided to me.
Product: Money transfer, virtual currency, or money service

Amount of {$30.00} transferred from my bank to paypal on  XXXX / XXXX / 17 . Bank approved it and sent the money paypal has yet to issue the funds and tell me nothing can be done about it I have to wait to see what happpens.
Product: Debt collection

NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX it has come to my attention that you illegally reported my information to unaffiliated 3rd parties without giving me my disclosures.

Pursuant 15 USC 6802 you are required by law to give me 3 disclosures I have checked all documents from your institution given to me and none of these documents contained any of the required disclosures pursuant 15 USC 6802 ( b ).

( b ) Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.

Collection agency has not provided validation information under 12CFR 1006.34 ( b ) ( 5 ) but yet they placed a collections on my credit report. 

Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed items on credit report as a result of identity theft / fraud with submitting an Identity theft report from the Federal Trade Commission. Items disputed were XXXX XXXX and XXXX XXXX. XXXX XXXX has been removed but XXXX XXXX is re-appearing. These items have been removed twice now, and the original investigation has exceeded 30 days. If these items are going to continue to be removed, they need to be blocked as the law states. 

Please refer -- 15 U.S. Code 1681c2 states " XXXX of information resulting from identity theft. A statement by the consumer that the information is not information relating to any transaction by the consumer. '' The law requires the information that is a result of fraud to be blocked. This is the third time I've had to dispute this information. And the investigation process has exceeded thirty days. I will now be filing legal complaints with my state attorney general office.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2017 I applied for a borrowers defense application due to unlawful practices of XXXX XXXX. The communication actually came from the Department of Education in the form of a civil suit concerning the school so i filled out the necessary paperwork on the loans to be included in the suit. The application number is # XXXX and at the time the servicer was XXXX. The loans were supposed to be placed in a forbearance with Navient at this time. Instead they released servicing a year later and were reporting the loans as delinquent prompting them to go to a collections agency Default Resolution group or Debt Management & collections services. I have done several conference calls with each of these servicers for someone to back date my loans and clear the negative reporting on my credit reports and noone is willing to fix their mistake and are demanding repayment on the loans. The 13 loans under review or in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have these loans recalled from the collections agency and all negative reporting removed from my credit report in a timely fashion.
Product: Credit reporting or other personal consumer reports

Around the first week of XXXX, I called " Transunion '' credit reporting and asked them why their scoring for me was consistently XXXX points lower than XXXX or XXXX. I was told that they use their own method of reporting. I wanted in writing the reason for this inaccuracy. But got no response. I sent a letter the second week of XXXX to Transunion requesting that they fix several inaccuracies and have still received no answer. As of the date of this complaint, my credit score continues to be XXXX points lower with Transunion than the other two agencies. This is not right. There must be some way of investigating to see why Transunion continues to report lower scores then the other companies. Lower reporting of scores cost consumers XXXX XXXX XXXX per year. It affects everything in our lives. This company needs to be held accountable.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent Experian my FTC report as well as a police report for identity theft on the following accounts below. The documents were sent XXXX and through the CFPB portal. The documents were signed for on XX/XX/XXXX by a representative of Experian.

I contacted Experian on XX/XX/XXXX and spoke to several representative who all informed me that the dont have the documents. I am resending the documents again today and demand that the fraudulent accounts below be immediately removed from my account.

Fraudulent Accounts Which Needs to be Removed. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Syncb has XXXX credit inquires ( XX/XX/XXXX & XX/XX/XXXX ) on my credit report that were not authorized.
Product: Credit card or prepaid card

I originally applied for a new Capital One card ( this would be the 4th card I have with them ) in XXXX 2017.  Once I received the card I did n't setup the account right away ... I did however make a purchase using that card later on after which I attempted to login to the website and pay the amount off. 

When I tried to login to the capital one " buypower card '' website it was different than my normal capitalone.com account. I tried to setup my card and it came back with an error. Frustrated and unable to call them right then ; I waited until I got another chance to make my payment attempt. This happened several times until I finally called Capital One. 

The girl on the phone explained that they were having website issues and that she can process my payment over the phone. I had asked her if the account went into collections and she said they had begun the processes but since I was making the payment now ; it would automatically reverse itself after 30 days. It has now been 90 days and this item is still on my credit. 

I attempted to call Capital One today and I was finally able to link my credit card account into my correct Capital One account. The balance was still XXXX ; but I told the person on the phone about what had happened and they said they do n't have any power to remove this item from my credit. I also spoke to a manager which basically verified that they ca n't remove it once it has been reported. 

He offered to remove the fee 's associated with the late transaction and I told him that was n't what I cared about. I cared more about my credit. That is why I am writing you.
Product: Checking or savings account

On XX/XX/13 I used my XXXX app that offered XXXX to put a deposit down on a pet. Once I released it was a scam I contacting Huntington the same day to cancel the transaction and they disputed it. I received my letter to saying they wasnt going to refund the {$250.00} dollars. They should not be using XXXX through their mobile banking if they cant not cancel or protect their customers.
Product: Credit reporting or other personal consumer reports

I seen a hard inquiry on my report from my SECU bank that I did not make and after speaking with my bank the third time they told me someone applied for a XXXX $ loan online. The inquiry date is XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not receive any bills from XXXX Hospital. I checked my credit report in XX/XX/2018, I had a collection from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX AZ XXXX ( XXXX ) XXXX. I sent them a letter and no response. I disputed with Trans union multiple times. I requested that they send me verification how they disputed, they only sent me a credit report. XXXX XXXX XXXX never sent me validation as I have requested. On XX/XX/2018 I sent them a letter I received no response. I just sent a letter to Trans union to dispute this item because it is now listed as XXXX Hospital under XXXX XXXX XXXX information and telephone number. Trans union keeps  saying verified, but I can get no response from delivery financial services. I have also sent Trans Union multiple Letters about inquiries, but they say they don't dispute inquires I have to send to companies only. I have requested for them to send me information on how they verified the accounts for XXXX XXXX XXXX, chapter XXXX bankruptcy XXXX, chapter XXXX bankruptcy XXXX and all they sent me was a credit report stating verified. I also informed them I was part of Identity Theft and please remove the inquiries. I am sending them another letter of dispute, but I am sure they are not verifying these items correctly.
Product: Debt collection

Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets.
Product: Checking or savings account

I was exposed to a fradulent activity that cost me XXXX $ on the day of XX/XX/year>. And my bank is not returning my money.
Product: Credit reporting or other personal consumer reports

TRANSUNION is obligated by the FCRA to report accurate accounting, consumer has advised ALL inquires report was fraud, said company had 4 days according to LAW to remove such items. 

TRANSUNION has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. Consumer is not asking for an XXXX report. If TRANSUNION does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. 

TRANSUNION Commission file number XXXX Trading Symbol : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the several Underwriters c/o XXXX, XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX I will be filing form XXXX XXXX forms to audit consumers account. 

TRANSUNION is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE not CONSUMER REPORT.
Product: Debt collection

they ( convington credit ) are not talking to me but contacting and harassing third parties not involved in this issue. certified mail threating tactics to my brother, who this does not involve.