23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$360.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
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Product: Bank account or service

Sought balance to applicable and prevailing interes on various deposits and its brought to current from trend in pay breach on interes balances in this sector XXXX to XXXX XXXX Card to XXXX to XXXX to BOA
Product: Student loan

Hello, I reached out on my own accord in XXXX about my loan status on Mohelas website showing it is in deferment. They reached back out and confirmed this shouldnt be the case, and that my enrollment status doesnt end until XX/XX/2024. 

Around a month later in late XXXX, I receive numerous alerts from my credit monitoring that my score has dropped 100 points due to Mohela reporting to my credit that they could not reach the consumer. I have received zero calls, and zero emails from Mohela. On the contrary, I reached out to them first in XXXX. 

I am still enrolled full-time at XXXX, so reaching me should not be an issue being that I am still in school and loans do not enter repayment until next year when I graduate. Mohela had all of my information to reach out, but I have no history of attempts. I am looking to graduate early this spring and will need to find an apartment to rent. Now my credit score has dropped so low due to this false remark, I may not get accepted anywhere. This is truly a burden and a malicious practice done to me. Please advise, thank you!
Product: Debt collection

I resided at XXXX XXXX Apartments from about XXXX in which I paid rent. In XXXX I lost my job. I was in direct contact with the Property Manager XXXX XXXX, who told me if I left within a certain time frame that I would not owe anything. Now, XXXX years later I am being asked to pay back {$8400.00} which I never owed even when I lived there, and even if I broke my lease the amount would not be that high still! I was never contacted until a few months ago from a place called Rent Recover LLC. I do not owe this money. I did not owe that much money when I left. When I called the office at XXXX point to inquire if this would affect me getting another apartment they said I only owed about {$1000.00}. I filed with the XXXX, but they would not respond.
Product: Debt collection

This morning XX/XX/2016 I received a phone call during my working hours by a collection company call Quality Recovery Service, Inc My boss told the woman that was in classroom with my students and could she take a message. The woman said no because I really need to speak to her about a personal issues. I have ask them not to call me on my job at all but they did anyway by harassment me. She was very unprofessional and extroidnarily accusatory towards me on the phone. The woman on phone stated that she 's been trying to call me but I have n't received no phone calls on my personal phone but on my job only. Then she threatened me by saying she will have my wages garnish and and take legal actions towards me if I do n't make any payments. She was so rude on phone with and hung up the phone on me.
Product: Bank account or service

Hello my name is XXXX XXXX XXXX I was notified by XXXX XXXX also name Chase and XX/XX/XXXX said I opened an account. And put an counterfeit check in the bank account I have never bank with chase so I disputed because they told me I old them money of {$1500.00} I need to pay this money off so I pay it off on XX/XX/XXXX and they told me I can get a bank account after I pay the money off. I went into the branch in she look on her system to see if I qualify for a bank account and she yes I do qualify after that she called the back office in the told me I ca n't ever bank with you guys again. So this was not my fault I went down to the police department to get a police report so now i need to get this fix.
Product: Prepaid card

my benifits had been issuesd to a card i never had received on XX/XX/XXXX through XX/XX/XXXX for {$5800.00} i filed claim after claims witch are XXXX. in my appeal it states that i wanted my funds in a check form not on there edd card.
Product: Debt collection

CFPB + XXXX XXXX XXXX + Capital One, On a recent review of my credit report, I discovered XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Attached to this complaint are : - My drivers license - My social security number - My address - My letter
Product: Debt collection

on XX/XX/XXXX Collection Associates LTD opened a collections account on my XXXX credit report alleged original creditor XXXX XXXX XXXX for {$1800.00}. This debt was previously reported by XXXX XXXX and removed from my credit reports XXXX due to the debt not belonging to me. 

this is a previously removed debt that i am not responsible for.
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 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, Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account 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 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: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the XXXX XXXX XXXX and I also have enclosed copies of the XXXX XXXX XXXX XXXX XXXX XXXX. Please delete the items as soon as possible.
Product: Debt collection

I was a XXXX XXXX customer with autopay ( XXXX on time payments ) since at least XX/XX/XXXX. I left XXXX in XX/XX/XXXX. They charged my credit card the full amount of service one month later, even though they always billed in advance. They also did this the prior month when I took a family member off my family plan. There was also no prorating of charges. 

When I called XXXX to ask for an invoice to see what i was paying for ( 3 calls : in XXXX, XXXX and XX/XX/XXXX ) they did not explain it well to me ( they used extremely complicated " in house '' jargon ), and refused to mail me an invoice, saying that I had paperless pay so they could not mail me anything. However, I no longer had access to my verizon account online. 

I was fed up, so I disputed the {$51.00} charge with XXXX, my credit card company, on XX/XX/XXXX. On XX/XX/XXXX, instead of responding appropriately to XXXX, XXXX reported me delinquent to XXXX and sent the {$51.00} to collections with IC Systems. 

They later reported me to XXXX, as well. 

I disputed the debt with XXXX but it appears they " sided '' with XXXX. ( I had to call them a second time because the dispute resolution forms they mailed me made no sense ). 

I tried calling XXXX 8+ times over the month of XXXX. I was hung up on repeatedly ( I was not being irate, or raising my voice ) and had reps tell me " I can't hear you '' when I had full service and have never dropped a call from my home, almost as if that were a strategy that XXXX taught their reps, and multiple customer service reps gave conflicting information or made promises that were not fulfilled. 

For example, on XX/XX/XXXX, a XXXX customer service rep kindly told me he would remove the charge from my account and that everything would be resolved in 48 hours. On a subsequent call a few days later, I learned he had no capacity to do that because the " debt '' was already in collections. 

I paid the amount today ( XX/XX/XXXX ) through IC systems debt collectors because I essentially had no recourse, I was bullied into paying it. 

There is no justification for a company to : - Not provide an invoice - Not respond to a credit card dispute, which is what made the bill turn negative anyway - Not give me any advance warning that a bill was going to collections For this piddly amount to negatively affect my credit score for the next 7 years on my credit reports -- - after about 140 on time payments -- seems unjust. To make matters worse, I am currently house and / or apartment hunting and am afraid that, despite today 's payment, I will be denied housing or charged more for a mortgage.
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 consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX : # XXXX has violated my rights. 


I also have inquiries on my XXXX  account that I didn't authorize and unaware of. 

XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have filed two bankruptcy cases in the last 7 years. In the first one, my XXXX XXXX mortgage was included. That one was dismissed. In the second one, my XXXX XXXX mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for XXXX XXXX to continue CORRECTLY reporting my monthly payments. For THREE YEARS, they kept reporting inaccurate information and had made credit report look like I was up to three years behind on payment. THIS TANKED MY CREDIT SCORE!!!

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, XXXX XXXX is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!
Product: Debt collection

Dos of this XXXX  appointment was from 2015 and has been previously attempted to be placed on my credit. This bill was paid by Medicaid I was not working at the time of service. Medicaid patients can not be charged with the balance of a medical bill its illegal at least in WI it is. This should be removed from my credit report immediately. I attempted to contact the collectors and they refused to remove it.
Product: Mortgage

On XX/XX/22 I received a notice from our municipality that taxes, which are escrowed, were not paid. When contacting the bank that we refinanced with we received the following explanations : ( 1 ) that there was an error in the system and they could not pay the taxes and sent a check to us over a month ago which was never received, ( 2 ) that the taxes were paid at closing, but the municipality has not record, ( 3 ) that the title agency that did the closing did not fill out paperwork properly.

Cardinal Financial has poor record-keeping and operations, they have created a situation by their own sloppiness in which they are taking money as a requirement of the mortgage and placing it in escrow to pay property bills but not actually fulfilling their fiduciary duty, and giving answers that do not resolve the problem, and raise questions of their ability to be a competent fiduciary.
Product: Credit card or prepaid card

This letter involves the collection of a debt, Chase Bank received timely payments every month from me the account holder the XXXX card ending in XXXX was open since inception but balances for an unexplained reason was only drawn for the minimum payment. It was discovered that the " pay in full option '' was not correctly implemented and interest profits had accrued to over {$1900.00}. 

{$690.00} was refunded but outstanding debt in the amount of {$1200.00} remains unreimbursed. 

Accordingly, demand is hereby made that you remit full payment in the amount of {$1200.00}. 

Please forward certified funds in the sum of {$1200.00} to the undersigned, made payable to XXXX XXXX XXXX or refund this amount to the credit card balance. 

I should mention that I have spent countless hours dealing with miss routed mail and calls to Customer Service including several " disconnected calls. '' During every engagement, I have been extremely polite and respectful but calls from the Executive Offices have mysteriously disconnected on three occasions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that there are ( 2 ) hard inquiries on my credit report that I did not make or authorize. The company was XXXX XXXX. I believe that was a XXXX XXXX XXXX XXXX XXXX  It was applied for on XX/XX/XXXX and also on XX/XX/XXXX. The address that shows up on the credit report is XXXX, DE XXXX XXXX XXXX XXXX XXXX. At the time of these inquiries I was incarcerated and I did not have access to the internet. I was unable to complete these applications as I was not released until XX/XX/XXXX. I am asking for your assistance with getting these inquiries removed from my credit report. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 



4. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 Bankruptcy XXXX ex XXXX  XXXX Bankruptcy XXXX XXXX  XXXX XX/XX/2021
Product: Debt collection

This company RAB Inc has harassed me with phone calls and text messages. Calling everyone I know. To name a few : my employer, my broker, my mother, my colleagues, etc. The guys name is XXXX XXXX and he sends text messages and leaves harassing voicemails. He still has been unable to furnish paperwork on the alleged amount owed and has not mailed me written notice of the debt or information that the debt belongs to me. If I could attach the voicemails I would. He threatens to take my real estate license and that he will be in contact with my real estate company I work for. He said he is prepared to play a game and come for everything I have. He called my broker and all the realtors in my office harassing them, it has gone too far. There company comes off as a fraud because they have sent no paperwork or facts but just harass and call you through phone calls and texts making false allegations.
Product: Mortgage

I am requesting a refund of the appraisal for which I paid {$550.00} on XX/XX/2018, and of the {$44.00} late fee for our XX/XX/XXXX mortgage payment ( total {$590.00} ). Since learning that that we can not get approved for the refi, I contacted my loan specialist 's boss twice to request the refund, but it has been a week and no response. 

We were working on closing with the refi lender since XX/XX/XXXX, and after we provided everything that was asked for, we learned last week that the  refi was not going to close. Earlier correspondence said the appraisal could not be refunded if we chose to not close, but this failure to close was not by our choice, and the company is not responding to our request to refund the appraisal. 

Additionally, I paid the XX/XX/XXXX mortgage payment before receiving the message that I should pay it and that the loan would not close, but the date was still too late to avoid the late charge. It was communicated to us in an earlier email to not make the payment and that the company would pay any late charges. 

Incidentally, the company solicited us by a letter that named the FHA Streamline, during the same month that we initially bought the home. We later learned that we were not home owners of the property long enough to qualify for the Streamlined, and so XXXX XXXX therefore attempted a Simple refi program instead of a Streamlined.
Product: Money transfer, virtual currency, or money service

Dear  Sirs, O ur company who name is    XXXX   XXXX   XXXX  , we  are a wholesaler and importer in  XXXX   XXXX , California over 19 years. We use the credit card merchant service from  First Data  under the contract ( account #  XXXX   ) s ince   XXXX   XXXX   until now.     Bu t First Data ha s increased the retail rate under our account without notifying and have over charged too much from our account during  XX/XX/XXXX - XX/XX/XXXX .The monthly statement  of First Data provided to us witho ut full detail which kind of credit card/retail rate and amount of charge /service fee of each transaction and each date always.     We have not got full detail of monthly statements of    XXXX   XXXX  -  XXXX   a nd over charge amount from First Data still after  over 40 days  difficult negotiate with   XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX  /  XXXX   XXXX   of  First Data  since   XXXX   XXXX   until today.     According to the program guide, accompanying the merchant application and agreement between  XXXX   XXXX   XXXX  and  First Data : Sub ject to section  XXXX , we als o may increase our fees or add new fees for services for any reason at any time, by notifying you twenty ( 20 ) day 's prior.      It is our right that  XXXX   XXXX   XXXX  as a senior and value customer of  First Data to know full detail of charge of each transaction/each date and get back full   amount of over charge from monthly statements which kind of credit card/retail rate and amount of charge/service fee during    XXXX   XXXX  -  XXXX   w hich all in  one page from First Data base on our retail rate have been increased and have been over charge our account without any notifying by First Data.
Product: Money transfer, virtual currency, or money service

On XXXX I have conducted the payment in the amount of XXXX USD from my account with XXXX to account of XXXX XXXX XXXX opened with Bank Name XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX JP Morgan Chase Bank was an intermediary bank in this chain. On XXXX XXXXXXXX XXXX XXXXXXXX was designated under the Executive Order 14024. Considering this, my payment must be blocked by intermediary bank according to US sanctions regulation. In order to unblock the payment, I need to apply for a specific license to XXXX. However, JP Morgan Chase Bank has not still blocked the payment or has not informed originating bank about freezing measures. Thus, I can not apply to FACE for a license that is necessary to unblock my funds because to do so, I must fill in some data and specifically the date when the payment was blocked. Otherwise, XXXX may not locate the records of the blocked payment. On XXXX we tried to contact JP Morgan Chase Bank via XXXX from XXXXXXXX XXXX asking them to clarify if the payment was blocked and reported to XXXX and when. Still, JP Morgan Chase Bank has not responded. Thus, I can not apply to XXXX for a license that is necessary to unblock my funds.