23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

We entered into a rental contractual agreement which ended XX/XX/XXXX. We decided to not continue with the apartment due to various reasons. The keys were surrendered to the manager and the apartment cleaned and in excellent condition. We have pictures and other documentation. We had no access to this apartment after XX/XX/XXXX. All rents and utilities were paid through XX/XX/XXXX. Around XX/XX/XXXX we received a notice regarding a collection account from XXXX XXXX XXXX for XXXX   XXXX XXXX XXXX for {$1900.00}. We disputed the debt and filed a complaint with SC Dept of Consumer Affairs, however according to their correspondence on XXXX, no response was received from National Credit Systems. 

On or about XX/XX/XXXX we received another notice reflecting the creditor name to XXXX XXXX XXXX XX/XX/XXXXand the balance of {$1200.00}. We are concerned that some type of claim may have been made against XXXX XXXX against the {$500.00} bond we had moving in. Again the property was paid through XX/XX/XXXX and left in excellent condition that can be verified. Also, note we had a refundable security deposit that was never disclosed as to what happened to it and we never received any details as to why the collection account or amount change. 

On or about XX/XX/XXXX we mailed a certified letter to National Credit Systems maintaining that we still dispute this debt and initiated a Cease and Desist order indicating until the investigations and reviews are completed. The letter was noted by the US postal tracking system as picked up XX/XX/XXXX at XXXX. Our credit accounts have been dinged by National Credit Systems unreflective of the information in the XX/XX/XXXX notice we received from National Credit Systems on XX/XX/XXXX. Please note they have dinged each credit reporting agency differently from what their notice in XX/XX/XXXX states. We still maintain our position of disputing this and this company has used unfair and unethical practices, in modifying and changing information without notification of changes, information reported to credit bureaus. 

According to South Carolina Department of Consumer Affairs letter they did not make any progress with this company responding.
Product: Debt collection

I filed a report on    XXXX    to the FTC after received first letter from TRS Recovery Service s , Inc.  and had called the number provided on the letter. My FTC Ref # was  XXXX . I have received no follow up from FTC, and was s ent another letter from TRS Recovery Services , Inc. on  XX/XX/XXXX .   I k now this claim that I wrote a check to "  XXXX  No.  XXXX  '' is false. They are demanding I pay  XXXX  and try to direct to a website, www.firstdata.com/trs to provide personal information in order to dispute or have them draft funds from my account. I did not provided personal information or go to their website.     Today I received a phone call that is a scam claiming to be from the  US Federal Grants Dept.      i have verified my number is on the  Do  Not Call  Registry sinc e  XXXX , and I am a member of  XXXX  since  XXXX . Why do I keep getting these misleading and threatening communications?     Please advise.
Product: Debt collection

I do n't have proof of this is my debt I will like to have proof with my signature which they was n't available to provide me thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX   Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX I have not authorized these hard inqury and when i contact Equifax they will not help me at all.
Product: Checking or savings account

On Tuesday XX/XX/year> my employer processed payroll which is typically available in my Capital One checking account on Wednesdays by XXXX EST. It is now Friday XX/XX/year> XXXX and my paycheck still has not been deposited. Capital One did not send any communication or acknowledge the issue until XXXX yesterday. I learned about the issue during the day yesterday from online news sources who received all of their information via the XXXX XXXX website.
Product: Credit reporting or other personal consumer reports

To whom it may concern. I am requesting a copy of the 1099c form filed on this account, Axccess Financial, Check N Go, XXXX XXXX XXXX, XXXX XX/XX/year>. If you guys dont send the form within 15 days Im requesting a removal of the account. If the request is not met within a timely manner under the FCRA, I will be suing for statutory damages for any creditor that furnishes inaccurate information about a debt, incorrectly reporting a charge-off claiming that I owe a debt. Civil liability for willful noncompliance 15 U.S.C. 1681n states that anyone who obtains a consumer report under false pretenses or without a permissible purpose is liable to the CRA for actual damages or {$1000.00}, whichever is greater.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Credit Inquiry by several companies on my Credit Reports : XXXX XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX   XXXX ( XX/XX/2018 ) XXXX XXXX XXXX ( XX/XX/2018 ) XXXX XXXX ( XX/XX/2018 ) XXXX XXXX  ( XX/XX/2018 ) I did not authorize anyone employed by those companies to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights.
Product: Mortgage

Ditech continues to send a statement that shows a past due amount for insurance of XXXX That was already paid with the XX/XX/2019 pmt. on XX/XX/2019. 
This has been addressed with the Ditech company 2 times on approx, XX/XX/XXXX. 
Was assured by the representative that an amended and corrected statement would be sent within 24hrs. plus mailing time. 
I received another statement on XX/XX/XXXX that reflected the same incorrect XXXX Past Due plus the current insurance amount. of XXXX. 
Upon phone call on XX/XX/2019 I was told that the funds were being reallocated and that I should wait on the next statement to see if it was corrected. Next statement should be arriving before XX/XX/XXXX which is past the scheduled payment date of XX/XX/XXXX. 
This is unfair credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone named XXXX XXXX XXXX took over my Experian account and used my social security number. They were able to access all my information and use my account in their name. I was unable to access my account since the middle of XX/XX/2022. When I tried to obtain my credit report, I could not create an account online. The service representative said that someone else with a different name now had my social security account. I had to send in my information in XX/XX/2022 through mail but did not hear a response for several months. I was able to finally talk to a live person at Experian on XXXX. They resolved the issue, but I was made aware that the Experian website allows anyone to reset the Experian account to an infiltrator 's email address if they know any personal information. Please see this website for a complete description as it has been happening to other people : XXXX XXXX XXXXXXXX  The identity thief has accessed all my personal information and will be able to hack into my account again very easily because the Experian account reset process is very insecure. They do not require 2-factor authentication and do not have any proper security controls in place to ensure that the correct person is accessing the account. The only way to avoid an identity thief from accessing your account is paying the Experian membership fee of {$25.00} per month, which I do not have. The identity thief can easily switch the account back to himself and then unfreeze my credit account. This is unfair to consumers because they are being forced to pay a monthly fee just to avoid getting their Experian accounts stolen so easily. Experian should resolve this by having a better reset account process that does not rely on information that is contained within the credit report.
Product: Debt collection

When I vacated the apartment complex, the Apartment Manager stated to me that they would send me a final statement of what was owed. I never received a final statement or a notification that an amount went into collection. I accessed my credit report and saw that the balance went to a collection agency, Blakely-Witt & Associates. I called Blakely-Witt & Associates to negotiate a payment arrangement and spoke with XXXX XXXX. I am currently an XXXX XXXX XXXX XXXX XXXX XXXX. Mr. XXXX stated that if I wanted to make monthly payment arrangements that I would have to pay half of the balance owed {$600.00} and then make monthly payments moving forward. I explained to Mr. XXXX that I was XXXX XXXX and I could not afford that payment at this time but I could afford was {$100.00} per month, until the debt was paid in full. He would not accept the payments. He told me that I could hold the {$100.00} payments in a savings account and then call back in 6 months. My Financial Counselor, XXXX XXXX, attempted to assist me in informing Mr. XXXX that I was XXXX XXXX Military and verifying if he was refusing the payments and he said Yes, his clients would not accept the monthly payments without having half down first. Mrs. XXXX further explained that I could not afford the half down payment and that if he was refusing my payments of {$100.00} now then she would be forced to file a complaint with the CFPB. Mr. XXXX then replied with " Go ahead, file it ''. Mr. XXXX was very aggressive and unpleasant and was not willing to accept the payments I could afford at this time which was fair and reasonable. The debt would have been paid in 12 months and in plenty of time before my Armed services contract was to expire.
Product: Debt collection

I made final payments to my previously owned XXXX XXXX XXXX network account back in XXXX, XXXX and XXXX, XXXX. The account was closed by XX/XX/XXXX/XX/XX/XXXX for I went with a different service. From XX/XX/XXXX until XXXX, XXXX I have made several calls to both entities, as well as had a conference call on several occasions with customer service reps from both XXXX XXXX XXXX and XXXX XXXX. On many occasions, the XXXX representatives informed the XXXX XXXX XXXX reps that their balance is paid in full and no more money is owed to them. XXXX XXXX XXXX would bill for both their service & XXXX service, XXXX required 2 month payments in advance and the due dates were never aligned, which made the billing difficult to understand let alone know who was due when. XXXX XXXX XXXX was paid their final balance, XXXX network informed them they are owed no more money and XXXX XXXX XXXX refuse to take responsibility for their human error in processing my final bill, which was a total of {$100.00}. Since then, my credit score has had fluctuating scores like a " see-saw '' every 2-3 months due to XXXX XXXX XXXX hiring a new collection agency, or collection agencies buying this account from each other, which makes it very difficult to maintain my excellent and hardworking credit score of XXXX. Every time a new collection agency place their collection on my credit report I have to contact the agencies to have it investigated and every, single time it is removed or deleted. I feel I am being harassed by these several collection agencies and XXXX XXXX XXXX to collect a debt that has already been paid in full.
Product: Credit reporting or other personal consumer reports

Account Information : Toyota MTR Account Holder Name : XXXX XXXX Account Number : XXXX XXXX Date of Repossession : XX/XX/year> I am writing to formally dispute the inaccurate information reported on my credit report regarding my account with Toyota Motor Credit. I demand immediate action on this matter as the reported repossession and late payments are both erroneous and damaging to my creditworthiness. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or incomplete information on my credit report. The inaccuracies in question are : Repossession : The claim of repossession is completely unfounded. [ Clearly state your reasoning, e.g., the vehicle was never repossessed or was paid off in full. ] Late Payments : The reported late payments are inaccurate. [ Detail the reasons why these payments were timely, e.g., evidence of on-time payments, etc. ] I have attached relevant documentation, including payment records and correspondence with Toyota Motor Credit, to support my claims. I expect these documents to be reviewed thoroughly. Please be aware that the FCRA mandates that you conduct a reasonable investigation into my dispute within 30 days. Failure to do so or failure to correct the inaccuracies will leave me with no choice but to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to protect my rights. I expect a prompt response confirming receipt of this letter and detailing the steps you will take to investigate this matter. I will not tolerate any further damage to my credit report caused by these inaccuracies. Thank you for your immediate attention to this serious issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Finance XXXX illegally pulled the credit more than once for me ( XXXX XXXX XXXX, and daughter ( XXXX ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX  ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX  XXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXX Bank at a higher rate than the one with our financial institution, and falsely tried excusing himself using a XXXX XXXX of XXXX for me, to which we demonstrated XXXX for XXXX agencies and XXXX for XXXX, and the ability to get the best rate offered by our financial institution of 4.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 4.33 %. The fraudulent practices by this individual are performed after a XXXX hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his XXXX  and XXXX  XXXX. The fraudulent actions damaged my wife 's and my daughter 's XXXX XXXX with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the XXXX persons involved in the purchase ( my wife, my daughter and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : XXXX ) trade-in value ; XXXX ) being forced by the dealer to buy unwanted additional items not yet installed ; and XXXX ) The fraudulent actions from XXXX XXXX XXXX XXXX XXXX a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance XXXX pulled the credit with XXXX unauthorized institutions instead of pulling with the only XXXX instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my daughter.
Product: Credit reporting or other personal consumer reports

Transunion aswell and XXXX both use fraudulent information aswell as dont update my credit report after Id theft.. iv been to a credit specialist we have send letter on my behalf
Product: Debt collection

I was contacted by company last year for collection on unpaid balance and informed them i never opened the account. I opened a XXXX XXXX credit card for the first time late last year. Never had a credit card before then.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was closed because I went with a new insurance company 2 years ago. This account has been removed by other reporting agencies except this one.

For the amount of XXXX
Product: Credit reporting or other personal consumer reports

I paid off this credit card and closed my account. I got an alert months later that I missed a payment for this account. I called this company and it was impossible to speak with someone on several tries. When I finally was able to speak with someone I told them I had closed my account months prior. They said my account was still active and would not waive the annual fee and my only option was to pay it and then close my account. I paid the fee and requested my account be closed and to have them send me something in writing to be sure my account was closed. They told me they could not email nor mail me that information. I'm just now seeing that this has been reported on my credit FASLEY. I requested twice and paid additional fees to have them close my account. I filed a report with XXXX  because it was near impossible to talk with an actual person.
Product: Credit reporting or other personal consumer reports

XXXX IS ALLEGING THAT I OWE THEM XXXX XXXX DOLLARS, I NEVER OPENED THE ACCOUNT, THEY TOLD ME IT BELONG TO A XXXX XXXX IN XXXX XXXX AND EVEN SENT ME PROOF TO MY ADDRESS IN NY THE STATEMENTS THE ADDRESS DOESN'T EVEN MATCH THEY WERE SENDING IT TO XXXX XXXX. I NEVER OPENED THIS ACCOUNT AND THEY REFUSE TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called multiple times and made multiple disputes I sent a letter on XX/XX/XXXX to remove personal information that i do not want on my credit report. 
According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights ACCOUNT NUMBERS : XXXX, XXXX ALL XXXX ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 section 602 A status, I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Signed up with tmobile, had a phone and a tablet with data. My tablet kept breaking under manufacturers warranty. I called the manufacturer to send it in for a warranty repair ( which would have been free ( - {$7.00} shipping ). Unfortunately since my tablet had LTE, they told me I have to go through where I activated it to have it replaced. I went to XXXX and they created a service order to get me another sent out. They charged me {$20.00} for shipping and tried to tell me if I had a protection plan it would have been free. I 'm not happy about the {$20.00} shipping vs the {$7.00}. Anyway, I get my tablet and it has the same issue as the first. I go into XXXX, and I 'm hit with another {$20.00} shipping charge ( mind you it 's still under mfg warranty ). I reluctantly paid them again and waited for my new tablet. When it came in the mail, it was cracked in top right corner and bottom right corner. I go to XXXX store and yet again they tell me {$20.00}. I did n't warranty it again that time because thatwould have been {$60.00} to get a warrantied tablet working. Anyway, I decided I was done with XXXX. I called them up to cancel my services and to lay my final bill. The first person that picked up the phone was very unhelpfull, I told him I wanted to cancel my lines, yet he was very persistant to try to keep me as a customer. I refused, and that should have been the end of it. A few months later I realized that he did n't cancel my account and I have been getting billed for tablet data. I call back and the second person that helped me was very helpful, she closed my account fully and she looked over my account, and she told me my final balance. I paid for it over the phone and she told me that everything is payed for and to ignore the next bill in the mail, as todays payment would not show up. Bill shows up and gets ignored like she told me. The bill kept showing up for the same acct. They called me about it. I told them to check their records, everything was payed for. They sent me to collections, so I filed a XXXX complaint. An agent from XXXX called me to inquire on the complaint made by me, I expected him to have my information and history ready. He calls, he tells me I owe {$110.00} for my tablet, I asked him to go through my notes and records on the account, but he told me he did n't have any of that ready, and insisted I pay them. He did no research into my account, and talked down to me. He was n't willing to go through my acct history, and told me to just pay them. Now I get annoying collection calls all day from a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My homeowners insurance went up due to information my insurance was said was reported to them from Lexis Nexis. They said to contact lexis nexis in regards to what was in my report. I requested a copy of the information from Lexis Nexis ( case # XXXX ) and they said they would mail me information to obtain this report. Lexisnexis they sent me a password to log into the account and It does NOT work. I have called them 3 times but am unable to speak with a person there.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding Experians handling of credit inquiries on my credit report. Specifically, I have noticed that a single inquiry from XXXX XXXX XXXX XXXX appears seven times on my report. This repeated listing has negatively impacted my credit score and does not accurately reflect my credit activity. 

I have contacted Experian to dispute these duplicate inquiries, but I have not received a satisfactory resolution. Given that Experian is currently involved in legal proceedings regarding similar issues, I am concerned that this matter is part of a broader pattern of inaccuracies and consumer rights violations. 

I am requesting that the CFPB investigate this issue and take the necessary steps to ensure Experian corrects my credit report by removing the duplicate XXXX XXXX inquiries. Accurate reporting is essential to maintaining the integrity of credit files and ensuring fair treatment for consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX Reason : Unverified account