23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My complaint is against Rent Recovery Solutions ( file # XXXX. We lived at The XXXX XXXX in XXXX, TX. We moved out of the apartment in XX/XX/XXXX. Our last bill/rent for the apartment was paid on XX/XX/XXXX in the amount of {$310.00}, which was paid directly to the apartment complex, and it was cashed XX/XX/XXXX. In XXXX in XXXX, we started receiving phone calls from Rent Recovery Solutions stating that we owed a balance {$930.00} from the XXXX. We communicated multiple times to get this matter resolved. We submitted proof of the last payment made via check and chased to the apartment complex, letter of satisfaction from the apartments on company letter head and a billing statement showing a XXXX balance. All this information was sent to Rent Recovery Solutions via XXXX ( Tracking XXXX ), it was delivered and signed by XXXX XXXX. After all this, it was considered satisfied. 
XX/XX/XXXX, we started getting more phone calls from Rent Recovery Solutions that we still owed them {$930.00}. We have spoken with The XXXX office managerXXXX XXXX XXXX who had confirmed that the debt was satisfied and has sent communication to Rent Recovery Solution to close the account. Rent Recovery Solutions has been giving us the run around and blaming the apartment complex for not cooperating. They have confirmed that they received our correspondence from XXXX but is not sufficient. 
I want this matter resolved via written form and I am seeking {$1000.00} in compensation for time loss and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries on my report that I do n't recognize. 
For example, in XXXX I have the following : XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX and so on.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below XXXX XXXX XXXX XXXX XXXX and MACYS/CITIBANK, N.A. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXXXXXX 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 The above mentioned inquiries were reported on my credit report. I did not authorize them. I have tried to report them to XXXX, but they have indicated I need to submit a fraud report through CFPB.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX im a victim of identity theft..I was XXXX the time this account was open I have all the supporting documents far as police report, verification of release from my XXXX and verification of release from police station XXXX.I ask that these things be removed off my credit file they are causing pain and suffering I come home from XXXX and these things are effecting me ..I ask that these things be removed within a timely manner..I want to get this handled in a professional matter, this is a major lawsuit this is violating my rights and I will be forced to take legal actions please can we get this resolved without having to take the next step which is court I believe a family opened up this account because my documents came up missing while I was XXXX XXXXthank you god bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account from XXXX for {$75.00} and a few inquiries on my report that I do not recognize
Product: Mortgage

In XX/XX/XXXX I started the process of buying my own commercial building here in XXXX XXXX  Nevada. I had established a relationship with bank of the west. When i sought information about to loan they had me in contact with XXXX XXXX. She had many good things to say about my good standing financially and encouraged me to go for it the rates were great and for sure they would give me a 3 % interest because of it. however when it came time to draw up the doc 's the truth in lending stated 3-5 and 7 % senerieos. i was assured again it would be 3 %. was it? of course not it was 7 %. I should have not signed but the momentum of the move was happening and the guest were excited, so we signed. bank of the west drew up the docs, blanketed everything I owned and We signed. We opted to pay direct to the bank auto withdraw. after 6 years of paying on time we opted to refinance because the rates were better. took it to FIB where they found very little principle was paid down. Wow what a mess the bank had made, come to find out they were undercharging me and not applying principle correctly, ie ... some months as little as XXXX  cents and {$1.00}. we brought it to bank of the west attention and after about a month they addressed us with oh yes our mistake so now since you weren't charged properly you owe us {$19000.00}. payable now or we will adjust your mortgage rate to 5.5 %.

we of course chose 5.5 %. so now its XX/XX/XXXX we heard that rates were going up and my balloon is due in XX/XX/XXXX so i wanted to refinance. but after looking at what i still owed i was taken off guard .... my principle had only gone down {$30000.00}. in 9 years. I looked into it further from every angle and the banks mistake had cost me over {$50000.00}. according to the new bank it is a mess according to my attorney they are malfeasant and unethical. If i fight them they all say it will cost more than {$50000.00}. I own an XXXX XXXX XXXX XXXX. does anyone wish to guess how many XXXX  i have to do to equal {$50000.00}? I am moving forward with the new bank and sending a demand letter. this is clearly wrong, what they have done is steal from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been watching my credit scores closely, and on XXXX found out someone fraudulently changed my address to an address in XXXX, XXXX, Which I live in Illinois and have most of my life, and charged a bunch of charges on my milestone Credit card account over {$1300.00} under my name. The reason I knew something was wrong was because my score was XXXX on XXXX and it dropped down to below 580 on XXXX. Also I had paid the account completely off in XX/XX/2022, so I knew something was really wrong. 
So I called the credit card people, and I have filed a Identity theft report with the FTC on XXXX. 
I need to put a fraud alert on my accounts and on my social security #. 


Thank you, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I cosigned on a car in in XXXX. Since then I did not receive any correspondance from Santander. The other person on the loan crashed the car in XXXX and I had no idea until I took the other person to court for a seperate matter in XXXX. I never received anything from Santander stating that the car was in an accident and that is was being appraised or anything in regards to the account. I was told by the other cosigner that the insurance had paid off the car in total and there was no balance on the account. Again I was unaware to the issue and had no idea that any of that happened until XX/XX/XXXX when I received a letter stating there was a balance on the account still. I called Santander and requested they stop contacting me immediately in every way including emails, texts, and calls. I kept receive emails even after I requested to not be contacted. I called again in the beginning of XXXX to reiterate that I had already requested to no longer be contacted and I even mentioned to the associate that I was never contacted in regards to the car until XXXX. The associate stated that they did indeed send me all necessary documents. I asked to speak to a manager. I got transferred to XXXX in the executive office. I explained the situation and immediately her responses were cold and rude. She stated that it is a personal problem and that I should figure it out. I mentioned to her that I was not informed when the car was in an accident or at all and she ( XXXX ) stated that they DID NOT have to send me correspondance because they were dealing with the other person on the loan so she blatantly lied to me as well as the associate.
Product: Credit card or prepaid card

Company : Discover Card I had filed an Extended Product Warranty claim for my laptop on XX/XX/XXXX and I am still waiting for my application to get approved. The claims agency ( XXXX ) associated with Discover has never contacted me for the pending claim despite being contacted ( calls, emails, voicemails ) by me several times in last couple of months. Neither the claims agent nor her manager has responded to my calls. To my surprise, when I login to my claims portal, I see documents uploaded by one more person in my account which is a huge threat to my privacy and security. Neither Discover nor XXXX is willing to be accountable or such negligence. Please look into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. XXXX, I sent a letter to all three credit bureaus ( Experian, XXXX, or XXXX XXXX ) asking that the late payment on my mortgage reported by XXXX XXXX XXXX ( Acct : # XXXX ) be investigated by the C.R.A. 's and deleted. The reporting status of over 120 days late needs to be removed and contradicted the C.R.A. 's transaction recording history on my credit report noted in prior months. Please see the attached letter. In XX/XX/XXXX, they informed me they verified the late payment by XXXX XXXX XXXX as accurate. As requested, I received no investigation data on how they conducted this process. They lied as they failed to investigate as required by law. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate in my credit report and Under 15 U.S. Code 1681i ( 5 ) this account is in violation of not reporting 100 % accurately. 

In XXXX, I called XXXX XXXXXXXX XXXX to inquire about the recording status and was told to write to the credit bureaus to dispute it, as this would be the fastest route. I called XXXX  XXXX XXXX in XXXX to inquire how to correct the reporting status on XX/XX/XXXX. I was again told by the XXXX  that my account was on time as it was in forbearance at the time of transfer and that they would check why it was reported that way. The XXXX  placed me on hold and shortly returned the call. They told me they were sending a letter stating that they updated their credit bureau reporting effective immediately and notified the credit bureaus to correct the account. They also sent me a check for {$620.00} for financial impact ( see attached ). A little too late. 

Since XXXX XXXX XXXXXXXX 's initial reporting of this data upon transfer of my mortgage loan on XX/XX/XXXX, I have been denied credit, credit limits reduced, and/or received a higher interest rate. This was the second time I was harmed by XXXX XXXX XXXX while going through the loan modification process. I was unaware of this as I did not check my credit, but it is refreshing they corrected their mistake. I recently checked my credit report, and the C.R.A. 's has still not removed the over 120 days late status. 

I am tired of fighting and feel helpless in getting this rectified, and you are my last hope to correct this once and for all. If I understand my rights under the FAIR CREDIT REPORTING ACT 15 U.S.C. 1681 ( 2 ) ( a ) ( i ), Exclusions from a consumer credit report clearly state : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
If my understanding is correct, transaction history should not be reported, is a violation, and must be deleted forthwith. 

Your assistance with this matter is greatly appreciated. Thank you.
Product: Credit card or prepaid card

I applied and received a credit card from PenFed Credit Union and used it one time for a balance transfer offer, put it on autopay from my checking account and put it away in a drawer. In XXXX, their security was breached and charges were made to XXXX and XXXX XXXX totaling over {$1300.00} to the card. I did not discover the transactions until XXXX when reviewing the expiration date of the balance transfer. 

Their credit card was NEVER associated nor linked with with my XXXX account in any way so I know the breach had to occur directly within their system. I am liable for the charges given the breach occurred more than 2 months ago but I offer this as a cautionary tale to those who work with smaller credit organizations such as PenFed. In my more than 15 year credit history this has not happened with any other bank from whom I regularly receive messages alerting me to suspicious transactions, no such system in place here.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/scrub>XXXX XXXX XXXX regarding the improper reinsertion of the inaccurate and unverified negative accounts on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX INQUIRY : XXXX XXXX XXXX XXXX XX/XX/year>
Product: Mortgage

I have a Loan being serviced by Carrington Mortgage Services, ON MY primary residence.Because of the various hardships, I explained to them, prominent among them being the severe damage to the building due to the deadliest ever HURRICANE SANDY ( also termed as SUPER STORM ) during XX/XX/2012 .After submitting a lot of documents, I received a so called Loan Modification. They sent the Trial Period Agreement by ordinary Post, without any XXXX or XXXX Return Envelope, like I am told other Banks are doing. I signed and mailed them back the Original Agreement. I also made all the 3 Trial Period Payments - well on time. I am surprised to hear from them that they cancelled my Modification because they did not receive the signed Agreement, back, although they acknowledge having received all the 3 Trial Period payments on time. Now they refused to take further payments from me and are asking me to apply for a Loan Modification all over again, which is totally unfair.
Product: Debt collection

I received an alert from all three credit bureau stating that i had a debt with XXXX XXXX  XXXX apartment complex, i have no acknowledgement of this debt, I have never applied or been with this company. Transworld system Inc is collecting for this company. I spoke with them concerning this matter and when they went to verify me the birthday was not the same and also the address they had on file is not mine, that is not my birthday but they used my SS. the full debt is XXXX 
They moved in XX/XX/2021 and moved out XXXX
Product: Credit reporting or other personal consumer reports

CITIBANK N.A. is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15. U.S. Code. 1681a ( 2 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( CITIBANK. N.A. ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) state that A person ( CITIBANK N.A. ) shall not furnish any information relation to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. CITIBANK N.A. can not collect on a discharged debt. This now considered a certificate of Indebtedness per the IRS. And income Can Not be reported. The IRS Clearly defines a charge off As Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! The reporting of this as A debt is inaccurate. I never received 1099 - C Form from CITIBANK N.A. for the cancelled debt of ( {$4600.00} ) in order to file as ordinary income. Where is my 1099-C? CITIBANK N.A. is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( {$600.00} ). This is unsatisfactory! CITIBANK N.A. has been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal and verbal per 15 U.S. Code 6802 Im NOW OPTING OUT, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) DELETE THE BELOW ACCOUNT FROM ALL CONSUMER REPORTING AGEGNCIES. 
Account Name : CITIBANK N.A. 
Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # XXXX, XXXX  Account # XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts on my credit report that I have been continously disputing that do not belong to me on my credit report. I have sent letters to XXXX, Experian, and XXXX regarding this matter. None of the accounts were investigated or validated for belonging to me. I keep telling them that they aren't and they have not removed. The following accounts do not belong to me as I am a victim of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX - Account # XXXX XXXX  - Account # XXXX XXXX XXXX   XXXX  Account # - XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX - Account # XXXX XXXX - Account # XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX
Product: Debt collection

I applied for a student loan through  XXXX   XXXX   XXXX  back in  XXXX  and I placed specific stipulations on the loan. I requested the student pay interest during school, I asked to be notified if the loan goes delinquent and I ask the loan be denied if   XXXX   XXXX   XXXX   XXXX  does not agree to the terms.  XXXX   XXXX   XXXX  removed my stipulations from the documentation and forged my signature to push the loan through. In  XXXX  I applied for a car loan and  American Education Services  came up on my negative credit category for a delinquent loan. I was never notified about the loan not being paid. I have been calling and writing  XXXX  merican Education Services ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , and National Collegiate Trust to get my name removed since I did not agree to or sign for the loan in question. They continue to effect my credit in a negative manner and have refused to address the issue. I filled out a fraud packet in  XXXX  and sent it in but they returned it saying they did not accept the information I entered and that I did not complete the packet to their satisfaction. They have since requested me to fill out another fraud packet but I believe they are only trying to waist time and gather my current contact information. I can not fill out another fraud packet knowing they refused the first one. I have spent 11 years and over 200 hours on the phone trying to get someone to address the matter. I am still in touch daily with AES and can not get in touch with NCT. I have looked in to hiring a lawyer but I was told since it is a government office ti would cost more in fees then the loan. I am looking into a class action  suite and h ave not ruled that possibility out but I need something done to resolve my credit.