23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit card

I would like the company to remove any late payments from my account due to me being a victim of identity theft and a victim of a nationally declared disaster due to flooding.
Product: Credit reporting or other personal consumer reports

It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had XXXX  effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.
Product: Debt collection

In  XXXX  of  XXXX  I got home from work and my locks were changed. I was unable to get into an apartment I was renting from The  XXXX  located in  XXXX   XXXX , MD. I had to wait until Monday to speak with the property manager. On Monday I spoke with the property  manager  in person and he was not aware that the financial accountant  manager  had changed my locks stating that I had skipped my lease. I in fact did not skip my lease and had already made  XXXX  the leasing manage aware that I was moving out and not renewing my lease. My lease was not up until the following month. The property  manager   XXXX  told the maintenance  manager that they just had to  XXXX  up the fees and let me back into the apartment. I asked them to place it in writing that I would not be charged and he would not do so stating he had to wait for the attorney to see if I was on the list for eviction. I was not on the list. A year later I received on my credit report a collection for {$6900.00}. These fees included carpet repair, cleaning of the unit, rent for  two  months due to skipping the lease. I never was given access to the unit to move any of my belongings and never was given copies of the new set of keys once the locks were changed. Never given a chance to properly clean the unit. I was still a tenant and the locks were illegally changed. I have not been able to get any information from  XXXX  Apartments due to change of ownership. I have contacted the  Property Manager  numerous times and he states that the records will have to be pulled from the basement. I called in  XXXX  he asked for 30 days. Every since still no answer from the corporate office or the  XXXX  office
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I was in the process with a wire transfer {$75.00} via the CashApp, the app allows you to send money to a person in your contact either by phone number, name, or the profile name created.

My friends profile did not populate but another person did who is not in my profile, and the funds was captured by a person with a profile name " XXXX '' This is not my friend and upon the funds being captured I sent this person a message to decline this money transfer, I emailed the Cashapp and they advised once the money has transferred even if I didn't authorize it, they can not refund me back and I will have to reach out to my bank.

I spoke with my bank they cancelled my card and a full dispute. However Cashapp petitioned my dispute stating that I authorized it therefore my bank which is XXXXt XXXX XXXX re-couped my {$75.00} from my account. My bank gave me the phone number of the person who captured my money and this person I do not know. The phone number does not exist in my phone and I did attempt to call the number and it has got un-answered.
Product: Credit reporting or other personal consumer reports

On the months, of XXXX, XXXX, and XXXX of year XXXX  I sent over a verification letter to TransUnion. I asked them to validate all the accounts on my credit file and they DID NOT. They sent a letter stating that they did which was a lie because how did they validate anything when they couldn't send over anything with my signature on it. Also, I asked that any inquires not associated with an account and is over 30 Days old be removed immediately. THEY STILL HAVE THE ACCOUNTS ON MY CREDIT PROFILE THAT i ASKED TO BE REMOVED. AT THIS POINT, if they dent remove the unverified accounts within 3 days I intend to pursue legal action and litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the unverified items are not deleted immediately.
Product: Debt collection

ATTENTION TO CREDENCE RESOURCE MANAGEMENT ( 11 XXXX ) I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company CREDENCE RESOURCE MANAGEMENT in XX/XX/2019an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF ACCOUNT ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I was denied rent on a property by XXXX XXXX. The report reflected a write-off of {$3800.00} from XXXX XXXX XXXX XXXX XX/XX/XXXX. This write-off was not reported on my credit report for all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information on my credit report is inaccurate and unverified.
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 attached a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my fraud claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft or fraud report, credit reporting agencies are required to block and remove any information identified by the consumer as resulting from identity theft or fraud within XXXX business days. 
The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX - XX/XX/year> As required by 15 U.S.C. 1681c-2, I request that this fraudulent information be blocked from my credit report immediately. This information should be blocked for a period of one year, after which I may request an extension of the block. During this period, this information must not be reported to any lender or agency as accurate or verified. 
I have contacted TransUnion several times regarding these fraudulent accounts on my report, and no solution has been provided. This situation is significantly affecting my ability to obtain financial opportunities, including housing for my family. These negative marks have been removed by other credit reporting agencies but continue to be inaccurately reported and unverified by your agency. 
Additionally, I have requested signed contracts or verification documents from the original creditor associated with these accounts, but I have not received a response within the legally required 60-day period.

I respectfully request your immediate assistance in blocking and deleting these fraudulent accounts and inquiries from my credit report. I have included the FTC Identity Theft Report to support this request, and I hope you will make a fair and informed decision regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX The Credit bureaus were sent certified letters. XXXX letter # XXXX, XXXX letter # XXXX, and Experian letter # XXXX. The credit bureaus stated that following accounts were properly investigated : XXXXAcct # XXXX, XXXX-Acct # XXXX, XXXX-Acct # XXXX, XXXX XXXX XXXX, XXXX-Acct # XXXX and XXXX XXXX- Acct # XXXX. On XX/XX/XXXX I sent another certified letter after the credit bureaus stated these accounts were accurate- XXXX letter # XXXX and XXXX letter # XXXX. But how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I have not given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a mortgage on my home in good standing with on time payments for seven years. The company handling my mortgage,  XXXX  is not reporting to any of the credit bureaus. I have contacted them on at least  five  separate occasions about this issue. Their canned response is that they are reporting to all   XXXX   bureaus and that I should contact the bureaus individually to find out why my mortgage does n't appear on my credit report. I have done this, and all  XXXX  credit bureau 's insist that ocwen is NOT reporting the loan. It seems fairly obvious that ALL the major credit bureaus are not conspiring together to deny the reporting of this loan. The only logical explanation is that  XXXX  is not properly reporting it. I have attached my latest credit report pull, and as you can see, to mortgage account is listed. My loan numbers are  XXXX  and  XXXX
Product: Credit reporting or other personal consumer reports

A couple of years ago I got notified that new accounts were open on my credit report. After viewing these accounts, I find out multiple student loan accounts were opened in my name without my permission. I have been fighting with the company about this. They have submitted multiple and multiple cases but no one ever responds or gives me an update. I have went to the credit bureaus to try to get these accounts removed and they have filed dispute after dispute. One of the bureaus removed all the accounts but Im having so many issues with the other two removing these fraud accounts from my reports.

Whats crazy is I have access to the creditors online account to view all my fraud loans, and of course Im having to make payments to keep these fraud accounts from not hurting my credit more then they already have.

This has been a complete battle. Dealing with the bureaus have not been easy or dealing with the company. Im hoping by reaching out to you guys maybe just maybe after years and years you guys maybe can help fix and resolve this. 

Ive asked the company multiple times to provide proof of this loan, provide proof that I signed for these loans. They havent and wont because there isnt any proof because I never signed for any of these loans. Its fraud. Its not okay, and its hurting my credit and keeping me from purchasing a home because they are counting this debt against me.
Product: Debt collection

My husband and I both received letters from the Mendelson Law Firm back in late XX/XX/XXXX. I used the method stated in their letter to electronically dispute the debt. I kept a copy of what I sent and a screenshot of the submission of my request on XX/XX/XXXX. I heard nothing back at all from Mendelson Law Firm until my husband was served with a court summons on XX/XX/XXXX, a full 5 months after proof of the debt was requested and was never received. 

I called the Mendelson Law Firm on XXXX XXXX XXXX to ask why they have sued us for a debt they failed to supply proof as requested per their instructions. I was told they never received it or it was lost in the process. I informed them that I have proof I sent the request in XXXX. I also informed " XXXX '' the legal secretary and then " XXXX XXXX '' that they were in violation of the fair debt collection practices act and no longer legally allowed to collect on the debt. I was dismissed as if the law isn't taken seriously and it had no meaning or bearing on their pursuits. I found this very distressing as a Law firm should have complete knowledge of the law as it applies to their direct business practices. 

In the meantime I requested statements from my insurance company ( XXXX ). XXXX told me the claim was so old, over 3 years and they would not have record of it. So I started digging through my personal insurance records at home. I found the EOB 's as well as the statement from XXXX telling my husband and myself that we owe XXXX of XXXX ( The XXXX XXXX  ) absolutely nothing. I immediately called the law firm and submitted my proof to them. They confirmed they had received it and would speak to their client. In the meantime our XX/XX/XXXX court date is quickly approaching. 

This morning XX/XX/XXXX, I received an email from XXXX XXXX requesting a current EOB from XXXX for the XXXX claim and informing me that her client was actively filing claims with XXXX as recent as XX/XX/XXXX. That is the same month they sued me. I can not comprehend how we can be sued under such false pretenses when they are still trying to sort the bill with the insurance company. I am not the insurance company. Telling the court that I owe a debt that could not be proven, proof of debt was never supplied timely or otherwise and now a current EOB is being requested from a XXXX bill. That is an impossible thing to furnish as that is not a document that can be generated without a claim being submitted and no claim has been submitted since XXXX. 
My husband is a XXXX XXXX XXXXXXXX veteran and I have not worked for years due to XXXX and then a diabilating auto immune disorder. We know that time is dragging on and the ultimate goal is a default judgement against us on the XXXX of XX/XX/XXXX. 

We are easy targets and feel that we are being preyed upon. We made the mistake of believing the law applied to everyone and not just us. We are asking for assistance and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX was taken out my account I took out XXXX so XXXX is missing Another situation was multiple transactions took place thousands was spent and they told me owe well. And didnt wasnt to help me. This is XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX XXXXXXXX my husband XXXX and I jointly opened a CareCredit account via Synchrony Bank so that I could have some necessary XXXX  work done. I used the card regularly over the years, made monthly payments, and this past XX/XX/XXXX my interest rate skyrocketed to a sinister rate making it impossible to sustain such a balance which would only continue to increase rapidly. In XX/XX/XXXX my husband paid off the XXXX balance and requested the account be closed. A week later we rec 'd a statement for interest balance of {$200.00} - unlawful in so many respects. No purchases were made, the and account was requested to be closed ( they didn't do on their end because they want to unlawfully collect interest ). At the end of XX/XX/XXXX a rep confirmed that the account would be closed. To my surprise today ( XX/XX/XXXX ) I receive an email from Synchrony Bank asking if I forgot to make a payment. Imagine the disappointment. After spending 1.5 hours on a CareCredit chat, then attempts to speak with a Bot, and THEN attempts to speak with a live agent I was hung up on by the CareCredit rep. This after the CareCredit rep said " the account was never closed '' - IT WAS. Notwithstanding that fact, NO PURCHASES WERE MADE AFTER BRINGING THE ACCOUNT TO A XXXX BALANCE. This is sinister unfair deby collection practices, and I am considering filing a civil complaint- I am sure I can get a class together. My husband attempted to call the XXXX # and it does its " automated '' spiel and disconnects. There is NO WAY to end this nightmare.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint was filed on Ally to post my payoff to my account and provide an letter. Ally posted the payment, provided a letter but FAILED to report the account as paid in full with all three Credit Bureaus. The three Credit Bureaus are showing a open account with an balance of $ XXXX which is incorrect! The account should show {$0.00} and should be closed!
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing many items on my credit with the Transunion, XXXX and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.
Product: Debt collection

This was a debt that happened 6 years ago. I was involved in a motor vehicle accident. I sent a check in to the hospital and they claimed that I paid the wrong bill. I sent a letter to the credit Bureau disputing it but got no response
Product: Debt collection

My company was notified by a debt collection company ( Biehl & Biehl , Inc. ) that we owed a debt to a creditor named XXXX XXXX XXXX that we have never heard of nor done business with before. The notice said it was for invoices from XX/XX/XXXX. We never received any invoices nor any other correspondence from this company, and we don't even know what the invoices are supposedly for. The debt collection notice from Biehl & Biehl in XX/XX/XXXX was the first we had even heard about any money owed. We tried contacting the debt collection company Biehl & Biehl first by email on XX/XX/XXXX requesting any information. They never responded back, so we called on XX/XX/XXXX to request the info. They said it would take " awhile '' to get the invoices to us, but agreed to email us the invoices. After over 2 weeks, we called again on XX/XX/XXXX and were told we had to keep waiting and " call back later '' without any description of when was an appropriate amount of time to wait. There is no contact info listed on the letter for the original creditor of XXXX XXXX XXXX, so we do not know how to contact them. 
We have not been able to get Biehl & Biehl to provide invoices for this amount we supposedly owe but have no record of, so this whole thing seems like quite a scam- they send a business a notice of amount owed and a return envelope, and hope someone else in the business will just assume it's legit and mail in a check. If they can't provide invoices or proof of what the invoice was even for, they should not be allowed to contact us!