23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The apartment complex I lived at claimed that I owe them rent payment for the new tenant, who was moving into my old apartment, because the new tenant decided to move in two weeks later than the original move-in date. 

I had told the management several times my lease is up, and I am no longer liable for when the new tenant decides to move in. However, the management and corporate office of the apartment complex continue to argue that I am liable because I am not off the lease until the new tenant physically move in. 

Nonsense! My lease expired, so do not try to make me pay for something that has nothing to do with me. Yet, the corporate office continues to sent harassment letters for 1.5 year-after I have ask them to stop in writing. 

Then they sent false information about me owing them money, along with my personal information like addresses, ss #, telephone, etc ... to XXXX collection agencies, XXXX of which claims to be a law firm. However, the " law firm '' I called had no lawyers there, and there was no working email addresses. The manager I spoke to gave me to wrong email addresses-sketchy. 

Furthermore, the " law firm, '' and the manager at the " law firm '' I spoke to sent me a letter threatened to collect and get a judgment against me. I kept telling him I do not owe any money, and you have no proof I owe the apartment complex any money so why are you still harassing, threatening, and bothering me? 

The man would not answer, would not let me speak to an attorney there because there is none. This business have had many complaints online, and even a lawsuit I found against them for misrepresentation of information, acting or holding themselves out to be attorneys when they are not, and their way of disputing the debt is by not listening, and continuing to say, " we 're going to go ahead and collect. any information will be used against you, etc ... '' I do not owe any money, and you do not have any evidence I owe any rent money so you need to stop, leave me alone, close my account, and end all contacts with me! 

How is this business able to operate still? They uses false identities, claiming they are lawyers in the business of collecting debt when they are not, and not knowing what the law is but trying to scare me by saying it 's a federal violation. 

A federal violation for NOT owing debt to the apartment complex???? This " law office dba Gerald E. Moore and Associates, PC '' needs to be shut down, fined, be prosecuted, and face contempt of court. 

What false information they gathered about me they are doing to many others. These nonsense, harassment, and evil conduct need to stop immediately!
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 consumers rights to privacy and confidentiality under 15 USC 1681. 
Trans Union Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A States I have a 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 15 U.S.C. 1681c ( a ) ( 5 ) section states no consumer reporting agency may make my 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: Consumer Loan

Checking my credit without my permission. Also, still trying to say I owe money when they garnished my check. They also sent false garnishing papers from my employer, and had to refund my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes XX/XX/XXXX, TransUnion has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from investigations. Please see items below ACCOUNTS XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX/XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized
Product: Student loan

I had called XXXX XXXX to setup a different payment plan /forebrance. I was under the impression the plan was approved and ready to go after we load connection on the phone. A month later they put on my credit report that I was late on payments. I called them up and they said when we lost connection it didnt go through. I asked them nicely to re set everything up and take the negative remarks off my credit report. They set up the new payments but refused to take off the negative comments on my credit. We are currently going through a pandemic and hurting peoples credit especially when it was an honest mistake, shouldnt be the way to do business. I am asking for the negative comments/ reporting to be taken off my credit since it was an honest mistake and given the circumstances.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a balance due on the XXXX - partial account number XXXX. These items were included in the Chapter XXXX BK. XXXX is reporting this item correctly. This incorrect reporting is harming my credit score.
Product: Mortgage

ditech issued a new format billing statement. I believe that my loan may have been transferred to the XXXX XXXX billing platform. 1. a XXXX payment is recorded. I do not know what this represents. 2. the " address on the front of the statement '' now states XXXX XXXX XXXX. 3. I do not know who are the members of the ditech financial LLC. 4. I do not know the State of California business license number. 5. I do not know the actual name of the firm incorporated to do business in the State of California. 6. I do not know the name and address of the registered agent in the State of California. 7. I do not know if my loan is being processed thru the XXXX XXXX platform or if my loan is being processed through the GreenTree or ditech platforms. 8. I do not have a hand-off statement from ditech. An acceptable hand off statement will correlate a ) old-new account numbers, b ) principle balance, c ) escrow balance, d ) property address, e ) parcel number, f ) liens known at the time of the transfer. 9 ) the current state of escrow payments should also be shown in order to know the cut-off date for payments made through the old and the new billing platforms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times explaining that there has been several inquiries that are listed on my report that does not belong to me & needs to be deleted from my credit report. I am a victim of identity theft & these items should not be on my report for XXXX XXXX, XXXX XXXX   inquiry date XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. Please delete this information.
Product: Debt collection

This complaint is against IQ Data International.

I called a week ago to settle an old debt and was immediately met with abusive language and tactics. I offered them several amounts to settle this debt and not one was agreed upon. For some reason they feel the need to be unreasonable and rude. I find this very odd since I was attempting to settle a debt on my own accord. I do realize they work on commission however. 

Since we could not come to an agreement on a settlement amount, the call was terminated. 

I called back several days later and attempted again to settle this debt and was met with even worse tactics and suggestive language. All of were very low class. I upped my offer amount to close to the full amount that was originally owed and still they would not accept. So once again the call was terminated. 

Today they called my work screaming at me and demanding payment in full or else they would report that I was absconding from my debt to the authorities. 

I called several hours later to report this abusive behavior. I was escalated to a manager at IQ Data International. I repeated to them again that they were to have no contact with me accept through mail and not to call me in any way shape or form. Of course they had no record of the call and demanded my work number. I told them I was not comfortable giving them the work number and she started yelling at me that she couldn't help me then!

You could hear the boiler room in the background and everyone was yelling and clapping with all the debt they had collected that day. You could hear {$21000.00}!!!!! Good Job!

Needles to say she hung up and there was no resolution to my complaint. This is kind of a Fox watching the Hen house situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has made Inaccurate Information on my report, Per FCRA all information must me correctly as this is fraud and someone opened an account. I have tried to assessed this issued and nothing has been done. My lawyer will reach out and file the necessary suits for violations.
Product: Credit reporting

Numerous times I have let Equifax know that there is a debt on my credit report that is not mine. I filed with XXXX also. XXXX corrected the mistake, but Equifax did not. I sent documents proving that it was not my debt. Equifax never changed the information. It was a situation where my father and I have the same name, but the debt is his. Now because of Equifax , I been turned down for a home loan three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a dispute to this company in regards to accounts that should not be on my credit report. I also submitted identification and my FTC report. The account appeared on my credit report a few days later as not in dispute anymore ( updated ) but I had not received any notification of such, nor did I receive any investigation results. I called in on XX/XX/2023 to put the account back into dispute and to block it from my credit report. The representative said that she completed the dispute and attached my documentation. On XX/XX/2023, I received several emails stating that in order for my information to be blocked that I needed to submit the documents ( FTC report, identification, bill... ), so I called in this afternoon over XXXX times, only to get transferred and put on hold over and over. Then I was told that they do not have my documents, even though I have been submitting it over and over and disputing with this company over a year now about fraudulent information on my report. This is mentally exhausting to have to continuously go through this about my information and my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting 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. has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The following is the list : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ****
Product: Debt collection

On XX/XX/XXXX, I received a notification of a negative credit entry being added to my credit report. This negative entry dropped my credit score by 15 points right away. The credit entry stated that I have a past due bill from XXXX XXXX and that Southwest Credit Systems is the assigned collection agency. I am currently a XXXX customer and began service only 3 months ago. During my installation of my current service, I was not told that I owe a past bill, nor do I have any recollection that I owe XXXX from a previous service contract. On XX/XX/XXXX, I reached out to XXXX about this negative credit entry and the individual I spoke with advised me that this was for a bill where disconnection of service was from XX/XX/XXXX. The XXXX representative would not give me any details about the bill only that It was on their files. Neither XXXX or Southwest Credit Systems attempted to contact me about this alleged past due bill even though I am a current XXXX customer and they have all my up to date contact information. XXXX and Southwest Credit Systems are obligated to contact me first, present verifiable information to me so that I can have an opportunity to address the alleged past due bill before posting the information on my credit report/file. This was not done, and I was given no prior legal consideration or notification. The credit entry claims the file was opened on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The company that is claiming that I have a debt collection is attempting to collect money from a charged or written off account that was done so in XXXX. It now in my collections wrongly there. I want Experian, XXXX and whoever else to remove the false account and information.
Product: Mortgage

PHH took over servicing the reverse mortgage on my late parents house. I am the XXXX  XXXX trying to sell the house. It took me several years to evict a squatter and the house has been in foreclosure during those years throughout the pandemic and eviction moratorium. I thought we had agreed to hold the foreclosure in abeyance to give the estate a chance to short sell. After we finally got access to the house we discovered that the tenant had trashed it. Our interested buyer who had patiently waited to submit their offer could finally see the interior of the house. The banks appraisal came in lower than they expected and they put my buyers short sale offer on hold pending a police report that they wanted the estate to file so they can file an insurance claim to offset their losses instead of negotiating the the short sale in good faith. Meanwhile the bank refused to stay the auction which is scheduled in 3 weeks. This is a bad faith maneuver. I have no choice but to put the estate into a bankruptcy action to stay the sale.
Product: Mortgage

A company by the name of XXXX XXXX XXXX  has been harassing the late XXXX XXXX XXXX and XXXX XXXX grand daughter and daughter and violating mortgage lending laws. 
They also shared the loan information with company by the name of PHH Mortgage in New Jersey. They are requesting a loan balance in some crazy amount and are not the party that is supposed to handling the reverse mortgage. The present amount is under a bank as we speak. And they are also engaging in housing discrimination and and slum lor behavior as the entity holding the address.We need the nonsense shut down now. Thanks so much.
Product: Debt collection

Lockhart, Morris & Montgomery , Inc. has been harassing me about a debt that I do not owe via telephone and mail. I have told them numerous times that I do not owe any debt and that I am not paying any alleged debt. 15 USC 1692b ( 2 ) -Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; 15 USC 1692b ( 5 ) ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; I have sent letters of me disputing this alleged debt. I have also sent them an affidavit of truth, debt validation, cease and desist.
Product: Credit reporting or other personal consumer reports

I've been trying for so long to try to fix my credit report, but first I need it to get one from each credit reporting agencies, I have a problem with XXXX and experian as they not help me in getting my credit report because they can't " verify my identity '', I provided all the documents and answer questions and still they dont help me. My credit is destroyed, there is many wrong information on my credit that I want to fix, but XXXX and experian are not helping me at all. This is resulting in me getting denied for a simple credit card or small loan. I NEED YOUR HELP!..
Product: Money transfer, virtual currency, or money service

I submitted a claim about unauthorized XXXX transactions through Chase and nothing was ever done. {$8500.00} was sent in multiple increments. I filed a police report, did everything and Chase refused to give me my money back.
Product: Credit reporting or other personal consumer reports

ive been trying to handle this with bounce ai directly however they will not abide by the fdcpa laws neither the fcra by removing this inaccurate reporting collection from my credit reports.. they are blatlenty breaking the law and refuse to clear up this matter. advanced financial refused to show me my signature validating the selling of this debt being sold to bounce XXXX. And bounce ai can not show me my signature stated that i have a contractual obligation to pay them {$640.00}... also they are listing the account as open when this is nnot active debt... this is a very clear and blatant violation of the fdcpa and the fcra, ive even cc 'd the proof the reporting..!!! i am very stressed because they are tearing my credit apart and blatently violating the fdcpa and me as a consumer. This is my final goodwill attempt to clear this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Any automated response, documents without my signature for the debt be liable to me or e-Oscar verification is unacceptable. I am requesting a reinvestigation AND your VALID method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). Which means You must remove this inaccurate account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re- investigation. if it is not provided then the account must legally be REMOVED according to the FCRA 611 ( 1 ) ( B ). i really don't want to escalate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a bankruptcy in   XXXX   there are inquiries on my report I am not aware of. I was under wage earner from  XXXX - XXXX  when I was discharged. In  XX/XX/XXXX  an inquiry was done for   XXXX   XXXX  ,  XX/XX/XXXX   XXXX ,  XX/XX/XXXX    XXXX   XXXX  .  XXXX   XX/XX/XXXX ,   XXXX   XXXX    XX/XX/XXXX . I never heard of   XXXX   XXXX   XXXX   XXXX   until I learned I was a victim of identity theft.
Product: Mortgage

Rushmore has failed to respond to my complaint ID XXXX, and now I am getting letters from the attorney about the foreclosure and about when I need to leave my home the attorney is XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Michigan XXXX phone number is XXXX I do not have a email address but you may know of them already also says what I guess is the file number # XXXX the property is now called a XXXX XXXX XXXX. Also there was no 4 week advertising in the local paper which is law in Michigan to advertise the foreclosure for 4 weeks, here it is in the legal news also they were to inform us of the foreclosure and put a copy of the ad on our premises which they did none of also as described in the original complaint that the 180 covid 19 forbearance extension of the already in force original 180 day covid 19 forbearance was denied by the owner as that was stated in the letter of denial also on the latest billing and the one before that it said that we were in a loss mitigation program and on a repayment plan that is very deceptive as if I new this was legally going to be foreclosed my son was talking about moving back in and we could have tried to work something out but this was all done in silence and behind our backs and also deceptive saying we are in a loss mitigation program please help.
Product: Debt collection

On XX/XX/20 I received a phone call from an agent from credit management lp. I called them back and was speaking with an agent. The agent started the call off by saying that I NEED to make payment or this WOULD be reported to the national credit bureaus. I asked a few clarifying questions in regards to the statement the agent was making. I felt very cornered and mislead by being told that I needed to make payment. The agent never asked if I had any questions or if I was disputing the account, which I am. The agent became angry and informed me she did not say that which was not correct. And then she proceeds to hang up on me. I felt abused by this call and that she was using tactics to force me into making a payment. I felt her statements were very misleading and false and felt she was being very abusive. And then to hang up on me. The call was very unprofessional.
Product: Debt collection

Action Professionals at XXXX XXXX XXXX in XXXX XXXX, CA XXXX ( XXXX ) XXXX has fraudulently placed a medical collections onto my credit report for a deceased man they know I was not legally married too because he was still legally married to another woman at the time of his death. I did speak to the collection handler and he refused to correct and remove the collections from my credit report even knowing it was not mine nor my legal obligation. The collection is for {$3100.00} and was placed onto my credit file XX/XX/2021