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

From XX/XX/XXXX until XX/XX/XXXX we lived in XXXX XXXX XXXX in XXXX XXXX, Texas and we signed a 6 month lease that was set to expire XX/XX/XXXX. Upon 3 days after our move-in we noticed that our building had a roach infestation and we asked them to take care of the matter. The apartment allegedly scheduled for an exterminator to come spray our unit for the roaches. However every time the exterminator came the problem worsened and we were told it was part of the process. We endured this problem every day of our lease as roaches were coming out of appliances, crackes/crevices in the wall, outside, etc. and we demanded that they fix the issue immediately. The roaches were not only a health hazard but the chemicals that they exterminator would use for their " roach clean out '' made it difficult for my wife to breathe whenever she was in the unit. Failure for them to repair the issue left us no choice but to end the lease in XXXX and Texas law states that landlords have a responsibility to ensure their property does not affect a residents health or safety. After all of the certified mail and emails we sent them they did not fix our issue and the day before we moved our apartment flooded in both of the bedrooms of our apartment and they did not fix it. Now they have hired Phoenix Recovery Group to collect an amount that we do not owe and we went to court and a take nothing judgment was granted. They have been reporting negative information on our credit reports for the past 8 months and they are going against a judge 's judgement and it is making it borderline impossible to rent another home.
Product: Debt collection

Capstone credit & collections llc is still reporting on my credit report even though a paid-for-delete letter was submitted and granted. The letter I received in the mail from Capstone stated that they received my payment and the account will be deleted within 60 days of receiving the letter, however capstone is still reporting on my credit report as a collection. The letter has a date of XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX sent me a discharge of lien on XX/XX/year>. The paper work clearly says the security interest on the vehicle has been terminated making the vehicle mine. Then they went and garnished my wages in XXXX of 2024. 
I can not get the garnishment stopped with out hiring a lawyer and I cant afford to do that at this time. 
Over 4 years ago they were told to come get the vehicle in question, but they never did. The vehicle has not even been registered in over 4 years because it will not pass NY State inspection. Purchase price was only {$6000.00} but went way up over {$13000.00} I have sent copies of the discharge of lien to several people hoping for help and nobody seems to care.

It is Junk and not worth anything. The value is under {$2000.00}
Product: Debt collection

Someone leased a car in my name in 2017 I believe I didnt even have license or insurance at this time but they purchased a car off-line for about XXXX the car was picked up for non-payment and they sent me a letter stating I owed {$6400.00} because they saw the car and Im responsible for the rest they put it on my credit I contact the credit bureaus and my bank. The company was XXXX XXXX and the debt collector as for Santander now is XXXX XXXX
Product: Debt collection

Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXXI do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I had some issues with my income being effected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I cann protect the integrity of my credit file. XXXX XXXX # XXXX account is reporting a 30 late payment on XXXX after I requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.
Product: Mortgage

I received a call from XXXX Veteran 's Relief Services, LLC who insisted she could help my husband ( who is a veteran ) and me get a much better mortgage via her company 's program which she referred to as a " Hybrid ARM ''. Per XXXX, this program was completely different from a standard ARM ( adjustable rate mortgage ) in that he rate could never go up more than 2 % over the locked in rate of the current 2.25 %. I advised that before I would set an appointment with one of her 'advisors ' I would need to see some sort of literature on the loan explaining exactly how it worked and what to expect. 
XXXX XXXX sent the email to my husband per my request. ( See attached ) Because he was exceedingly busy he asked me to review it and respond. The loan is, in fact, a standard ARM loan. Per the United States Department of Veteran 's Affairs there is no such thing as a 'Hybrid ARM ' just for veterans. 
I replied to XXXX XXXX, albeit somewhat harshly, advising her as such. ( See attached ) The sale of this fraudulent loan is harmful to veterans and their families. I copied her employer, who claims to own the company, my husband, as well as the man who handled our current VA 30 year fixed rate loan. In response I received a XXXX page email ( see attached ) from the owner of Veteran 's Relief Services, LLC, XXXX XXXX, filled with foul vitriol towards me, my family, and People 's bank. 
The email is also, filled with fraudulent statements regarding the aforementioned nonexistent VA Hybrid ARM that XXXX XXXX of Veteran 's Relief Services, LLC is trying to convince our Veterans they should buy into even if they are currently fine in a fixed rate mortgage. 
The fraud comes in by telling consumers that 1. It is not a standard ARM. 2. He shows his own mortgage statement that clearly indicates his mortgage interest changes in XXXX of 2016. ( See attached ) The video their company uses to demonstrate the loan also clearly indicates this a standard ARM. See XXXX However, because it is XXXX minutes long I doubt that many people will watch it in its entirety. 
I believe selling a fraudulent mortgage by phone and email is illegal. So should the follow up harassment and the slanderous statements regarding XXXX.
Product: Credit card

I received a notification that a hard inquiry showed up on my credit report. I contacted Barclays bank Delaware to ask them about this. I have no knowledge and did not authorize anybody to apply for anything with my Social Security number and personal information. I spoke to Barclays Bank Delaware on XX/XX/2024 at XXXX PM on a recorded line, they told me they have no information in their system related to my Name, Social Security number or phone number. They told me to contact XXXX and the other credit bureau to remove it off of my credit report. I would like this removed off of my report being that I did not authorize or apply for any type of financial product.
Product: Credit card

USAA Savings Bank, without prior notice, sent a letter reducing my {$20000.00} credit card to a {$500.00} limit. My last known XXXX score was XXXX. I have a significant net worth. This action was without warning and received the day I was leaving town for an extended trip. I do not believe I ever had a {$500.00} credit card during my 42 year career as a XXXX. What does the average person do???
Product: Debt collection

On XX/XX/2022, I, XXXX XXXX, a natural person, requested a 1099c form from Santander Consumer USA, via Consumer Financial Protection Bureau ( CFPB ) portal. However, Santander Consumer USA responded on XX/XX/2022 they Cant not provide me with the requested documentation/information without providing any details. Santander Consumer USA which law are you referring to State or Federal? That Santander Consumer USA, by law, you do NOT have to provide me with such information 1099c? Please respond by law ONLY why Santander Consumer USA cant provide me me, XXXX XXXX, consumer, applicant, with a 1099c, and in fact also a 1099a as well? Which law states you are right about this? And that you ( Santander Consumer USA ) stated is truth? Pursuant to 26 U.S. Code 7203 Willful failure to file return, supply information, or pay tax that is a violation. 

As of XX/XX/2022 at XXXX est, You have my account on all the XXXX major credit reporting agencies XXXX, XXXX XXXX XXXX XXXX listed as Charge-off with the amount of {$5400.00} for a repossession with the amount of {$2700.00} written off, Which will require a 1099c & 1099a form. PLEASE EXPLAIN WITH PROOF OF DOCUMENTATION AND BY LAW ONLY WHY SANTANDER CONSUMER USA DONT HAVE TO PROVIDE ME WITH THE INFORMATION. 

Best regards.
Product: Credit card or prepaid card

Consumer fraud by Chase Bank and XXXX XXXX XXXX. 
Chase refunded ( stole my money ) my money for consumer fraud back to XXXX XXXX XXXX who broke several AZ Laws and I did not get what I paid for=Consumer fraud by both companies. 
Chase Bank is to immediately refund my {$67.00} immediately. 
I have also filed an AZ XXXX XXXX XXXX complaint against XXXX XXXX XXXX and no response.
Product: Credit card or prepaid card

For the past 3 months I have attempted to call US Bank to pay off a credit card. I call on the first of the month when payment is due and am unable to get through. My online account was closed when the card was closed and I am unable to log on to pay online. I was told my only option to make a payment is to call. Thats what Ive been trying to do but thats impossible when the bank cant be reached. I always get a message that they are having an interruption in services. When I attempt to email their customer service with the email address provided on their contact us page, its returned undeliverable. 

This account has now been accumulating interest and late fees not due to my failure to pay, but the bank blocking my ability to make any payments. This is not only unethical behavior but potentially fraudulent at the expense of consumers. They have made it impossible to make a payment or even contact someone there to assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap. These are the collection accounts, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting

I request and update on my credit report through the mail with a ( certified mail with receipt ), I have not received any information and it has been over 30 day
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 Ive called ( XXXX ) credit reporting agency.. well as ( XXXX ) credit reporting agency well as ( transUnion ) credit reporting agency Ive sent my drivers license social security card a bill from my home.. I cant see my credit score at all I been paying ( XXXX  ) for there services..they didnt update my credit score at all..Im trying to get ( apartment )..
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Had about {$2500.00} fradulently taken out of my account. When I reported to cash app they denied my claim with out any investigation and then closed my account for no reason.
Product: Mortgage

Chase failed to reconvey a HELOC that was opened in XXXX and later closed in XXXX when I refinanced with them. I recently had trouble refinancing my first mortgage and thanks to the title company accepting proof this account was closed I was able to move forward with my refinance. However, I want this fixed and for Chase to issue and record a reconveyance as they should have.
Product: Credit reporting, credit repair services, or other personal consumer reports

was called from a collection agency in Mississippi about a furniture purchase from XXXX told them iknew nothing about this they had absolutely no information about it tried to work with them and gave them all my inf o next thing I was reported to credit beauro I disputed this and was removed approx. 1-2 mons later was transferred to XXXX XXXX andthey reported me and it started all over again tried to dispute again and nothing happened 0n initial phone callthey didn't have any info other than a name no address no social said no initial payment no phone they didn't even know where so called bedroom suit was deliveredtold them we recently XXXX mattress and boxspring and don't put in on a XXXX XXXX XXXX XXXXXXXX isee all kinds of complaints about this outfit something needs to be done
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX RE : Unauthorized Credit Inquiry Dear Sir/Madam ( if you know the name of the person in charge, the better ), This letter is your formal notice to cease the unauthorized hard inquiries you are making into my TRANSUNION, XXXX credit report. This is also a formal demand for you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX XXXX Inquiry from XX/XX/XXXX + Misc. XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX  Inquiry from XX/XX/XXXX +  XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Finance To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you have any document that you believe authorizes you or your organization to make the aforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of It be sent to my address so that I may verify its validity. Given the growing cases of identity theft, I 'm sure that you 'll agree with me that verification will protect both our interests. In the event that you do not possess my authorization, I request that once you have removed all unauthorized inquiries from my credit profiles, you should also remove all of my personal information from your records. Please send me confirmation that you have complied with these requests. Thank you. Sincerely,
Product: Checking or savings account

On XXXX XXXX was taken out my account by a supposedly chime member and I put a dispute in three times got denied and even sent documents showing I was in NJ and the transactions came from PA
Product: Checking or savings account

My claim was denied by citizens. I provided documentation that I was charged twice. The overseas company I disputed is clearly lying. All of the documentation that the company provided us made up. I had no previous business with then. It is egregious that I provided proof and my claim was denied. They clearly did no real investigation.
Product: Debt or credit management

Credible XXXX  management XXXX knowingly defrauded consumers by staff who violated anti-kickback statutes
Product: Credit reporting, credit repair services, or other personal consumer reports

I have so many inquires that i did not authorize and sitting on my report ... .im showing over XXXX!. I can account for at least XXXX of them. I never authorized these people to take my report and i asked them to show proof but no one has. Experian is saying all data is factual and will not remove.
Product: Credit card or prepaid card

I was contacted by Midland Credit about a XXXX XXXX account that was opened XX/XX/2017 with a balance of {$1500.00} and I had no ideal I had a XXXX XXXX account and now they are suing me for that amount.
Product: Credit reporting or other personal consumer reports

I noticed since XX/XX/year> that you have charged off my XXXX XXXX XXXX XXXX XXXX, but I never received a 1099 for the balance of {$1700.00} that you reported to the IRS. Could you please forward the 1099 to me immediately or update my balance with all credit-reporting agencies to XXXX? You will find my email address in the information section below.
Product: Debt collection

I have requested they not contact my supervisor or contact me at work and they continue to do so. They have contacted my supervisor twice and call my direct line repeatedly.
Product: Debt collection

This collection appeared on my credit report a few months ago. I immediately contacted the original biller, because I havent heard anything about this debt or received any bills since my last contact with them in 2020. I received a bill from the hospital for {$90.00} ( my XXXXXXXX XXXX  plan copay ) a month or so after my initial visit. I contacted them and told them that they failed to file XXXX, which is my secondary insurance. It covers the copayments and deductibles from my XXXX plan. They told me that they would file the claim, and I never received another bill from them. 

I still have not received a bill from this collection agency, but the collection account appeared on my credit report a few months ago. As I stated previously, I immediately contacted the original provider. They told me to contact the collection agency, so I did. The collection agency did the same thing! They told me to contact the original provider, and that filing claims wasnt their problem. When I contacted the hospital AGAIN, they told me they couldnt file claims or accept payment once an account is sent to collections. That the collection agency could, in fact, file the insurance claim. 

I contacted the agency again and told them all the information for my XXXX to file a claim. They again failed to file the claim, and they also refuse to remove it from my credit report. 

This has caused me serious financial difficulties! My credit was fairly good before this collection dropped my score XXXX points! Im fairly certain that this agency is trying to force me to pay them out of pocket, because they dont want to accept a lesser amount from XXXX. Im very sorry that our government-backed insurance doesnt pay what providers WANT to be paid, but there is a REASON that I get government assistance! Im XXXX, and now Im even more XXXX due to interest rate hikes after this false collection dropped my credit score! 

Im fairly certain that their tactics violate not only collection practices, but also my rights under the ACA and the Fair Credit Reporting Act! They have even contacted some of my family members that I dont even talk to!! But they dont want to talk to me about filing an insurance claim that would settle my account when I call them!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my FINAL REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recovery of all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. I have disputed these accounts numerous times and Experian has failed to either reinvestigate or verify the correct information. Despite these requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information is mine and is correct. In the results of your previous investigations and subsequent reinvestigation, you stated in that you " verified '' that these items are being reported correctly. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification required under Section 611 ( a ) ( 1 ) ( A ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to " promptly DELETE all information which can not be verified. '' The law is very clear as to the civil liability and the remedy available to me ( Sections 616 & 617 ) if you fail to comply with Federal Law. I am a serious consumer fully intent on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.

AS I STATEDI wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. 

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

I started my credit journey back in XX/XX/2020 when I received copies of my credit report. Not only did I notice the wrong information with my name and addresses, I noticed there were some accounts I did not recognize as well. I watched videos and did some research and started disputing these accounts. The bureaus sent me responses at first but when the pandemic hit, the letters stopped coming. It is my understanding that the bureaus have 30 days to respond, or the account should be removed if they were not validated. After conducting more research, I found out the bureaus were behind and affected as well from the pandemic and would be taking a little longer to respond. Understandable. However, it has been 3 months since I received any notification or update regarding these negative accounts on my report. I have sent numerous letters and warning letters to the bureaus and XXXX XXXX and Experian has not reached out to me. This is unacceptable. This is my life in their hands and I want this situation resolved.
Product: Credit reporting or other personal consumer reports

I am writing to dispute inaccurate information on my credit report regarding late payments. Over 30 days ago, I sent letters to your company requesting validation of these reported late payments, but I have not received any response or satisfactory evidence to support them. 

Despite my efforts to resolve this directly with your company, the incorrect late payment information remains on my credit report. This is negatively impacting my XXXX XXXX and ability to obtain financing. I have included copies of the relevant portions of my credit report along with this letter. 

I am respectfully requesting that you investigate this matter and promptly update or remove any unverified late payment information from my credit report. Accurate credit reporting is crucial, and I expect your full cooperation in correcting these errors.