23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I move-in XXXX XXXXXXXX XXXX XXXX XXXX XXXX in XXXX. I stay my full year with all kinds of problems with unit. They change managements 3 times in 1 year. Upon leaving the properly XX/XX/23 I did a walk though with XXXX XXXX ( XXXX XXXX Manager ) to make sure that everything was clean and better than I arrived at the unit, so I could not get charge for something CRAZY and get my security deposit back with no problem. XXXX XXXX assure everything was good and I will get a bill mailed to my XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX within 3 to 5 days. I never received anything by mail, on XX/XX/23 I email XXXX regarding for a bill and she said that there system email me 3 times. I have no email and ask then can she give me something to show they tried to email me. Her respond was no. I said that not right, system are not always corrected. So she email a bill with the wrong {$1200.00}, I sent a copy of the paper work she gave me about my balance with the walk though. She then went back to check and reduce my balance to {$400.00} I agree and purchase a money order. XX/XX/23 I received a email from Hunter warfields company about a debit from XXXX XXXX for amount of {$790.00} case was open XX/XX/23. I advised them that this is not true and I have email and copy of money order. I would be willing to pay {$400.00} only. They advised to send all information to claims departments, then they would contact XXXX XXXX XXXX XXXX and get back with me. Nobody has contact and its still show a negative on my report. Can someone please help, It has made it hard for me to get another place after a year because of this foolishness that I did everything to sure that this did not happen.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX # XXXX, Account name : XXXXXXXX XXXX # XXXX, Account name : XXXX  XXXX # XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

I spoke with a representative at Ad Astra about planning to make a payment of {$50.00} a month and was told that my payment wasn't enough. The representative was really rude and disrespectful. I failed to get the name of the representative. The company call me a lot and recently when I pick up the phone they hang up in my face. I am attempting to work out a payment plan with the company however my attempts have been unsuccessful. I am not negating my responsibility- I just experienced a financial hardship which caused me to get behind on my payment. The company calls me excessively from XXXX but fails to work with me with me yet harrasses me.
Product: Credit reporting or other personal consumer reports

DO NOT ALTER ANY LETTER OR WORDS IN THIS COMPLAINT, LIKE WHAT HAS BEEN DONE IN PREVIOUS COMPLAINTS. Which I have screenshots to prove it. 


This is the 2nd complaint and last one EVERYONE want to continue to thwart justice and law. So they can continue to create securities for profit and keep all the profits. And disregard the FCRA and EVERYONE who has put in a joint effort. 
To deceive and ignore the law. I will be filling a complaint for FRAUD with the security exchange commission. 

As I previous stated in my previous complaint. XXXX it has been improper use of my credit report. They have blocked my IP address from communicating with them. As well as my telephone number Credit Karma who I will be filing a complaint with SEC against them as well. Because they have blocked all communication with them as well. The company investigation was handled with pure prejudice and retaliation simply because I NOW know my rights. 

And they wish to play legalese games and if I dont give them every code. They chose to ignore me send me touting message such as NA/Na/Na. They have obtained and used my information for the purposes of PROFIT that is against the law. 

The ONLY way we can settle this is them restore my credit score to XXXX and remove EVERYTHING I requested in the last complaint. Anything they removed I do not want to see a ( + ) or a ( - ) next to alleged debt ONLY paid in full. 

EVERY and I mean EVERYTHING they had my credit report the last time I was allowed on their website before they blocked me was provided without my written authorization. 



The 1st Complaint Was closed. XX/XX/2023 TO WHOM IT MAY CONCERN, ( CREDIT AGENCIES ) I have repeatedly ask if you'll would remove ALL those negative remarks as well of the accounts. I do not owe off my credit report. After repeatedly asking you'll to remove those reporting off my BENEFICARY ) credit. because there is and has been information that is on my ( BENEFICARY ) consumer report that is a result of identity theft. I did not provide permission to be reported starting back when I ( beneficiary ) was XXXX old to this day nor has I ever given permission to ANY/NO CREDIT REPORTING AGENCY permission or instruction verbal nor in writing for the identified transaction to be reported on my ( BENEFICIARY ) CONSUMER REPORT. No one never told me ( BENEFICIARY ), I could opt-out because I have right to privacy. I am also requesting this information that is due to identity theft be block within 4 days being made on the basis of material misrepresentation of fact by me ( BENEFICIARY ) relevant to the request to block the identified transaction. The identified transaction ( s ) are not information related to my transaction by me ( BENEFICIARY ) AS THE CONSUMER. And the law says section 18 U.S. Code 1681.c.-2- 18 U.S. C1028 ( d ) ( 3 ) 15-UC 16 81-C2 FCRA SSA -89 Form I appreciate you'll handling this matter in the time stated. Respectfully, XXXX : XXXX , BENEFICARY UCC 1-30 WiITHOUT PREJUDICE I RESERVE ALL MY RIGHTS I DO NOT CONSENT TO ANY HIDDEN OR REVISED CONTRACT ( S ) OR COMERICAL AGREEMENT.
Product: Vehicle loan or lease

I the consumer and natural purse on was denied credit by XXXX XXXX XXXX XXXX and American Credit Acceptance LLC when I applied for a XXXX XXXX XXXX XXXX. I would like to address the Adverse Action against a consumer is against the LAW according to the Equal Credit Opportunity Act which is codified in the 15 U.S.C 1961k. They are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Credit Acceptance LLC due to the response I received. 

Both XXXX XXXX XXXX XXXX and American Credit Acceptance is in violation of 15 U.S Code 1642, U.S.C 681m and 12 CFR 1002 because I the consumer made an application in good faith but credit was not issued. Further more because I extended my ssn and received no benefits and Wrongly denied credit.
Product: Mortgage

We have tried to get loan modification but were denied without a real explanation. In response to our loss mitigation application submitted on XX/XX/18 21st Mortgage denied us ( in their XX/XX/2018 letter ) because : " Based on 21st Mortgage 's judgment, you have not experienced a new significant life event resulting in a short-term inability to repay. You do not meet the criteria for any other loss mitigation program at this time. '' In our XX/XX/2018 loss mitigation application we indicated that our household income had been reduced because my wife had become XXXX and was out of work. We also indicated that she was receiving XXXX income and we could resume making payments. We submitted a copy of check stubs which clearly indicated that she was receiving " XXXX XXXX XXXXXXXX '' We are frustrated because XXXX XXXX XXXX rejected our earlier loss mitigation application on XX/XX/2018 for the exact same reason. If a person becoming temporarily XXXX at work is not a " significant life event resulting a in a short-term inability to repay '', then I don't know what is. It seems that the `company is arbitrarily not helping us. Please see attached loss mitigation application, temporary XXXX check stubs and denial letters.
Product: Checking or savings account

I am writing to complain against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions settled with sufficient funds when transaction were authorized, I was charged due to lagged posting of charges and credits. Thus issue align with the recent CFPB findings against Navy Federal Credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions
Product: Credit reporting or other personal consumer reports

Someone who has my personal information applied to get credit card which caused inquiry on my TransUnion credit report as XXXX XXXX XXXX on XX/XX/2023.
Product: Credit card or prepaid card

I purchased an item through paypal back in XX/XX/2022 and i haven't received my item and paypal says i can't get a refund can you help cause i have tried it cost me {$63.00} dollars and i could sure use that money thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

My son was involved in a car accident on XX/XX/2021. This was a total loss of this vehicle that was financed through Credit Acceptance in which they were paid in full on XX/XX/2021, however they havent closed out the account which is causing me problems in obtaining a new car auto loan.
Product: Debt collection

On XX/XX/XXXX they took the amount of XXXX I still have not received a letter confirming the debt is paid. They reported again in XX/XX/XXXXthat I owe and it has been paid. I want removed from all Reporting agencies
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my TransUnion credit report. I am a victim of identity theft, as evidenced by the attached Federal Trade Commission ( FTC ) Identity Theft Report ( Report Number : XXXX ). The following accounts are fraudulent and should be removed from my credit report : 1. XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
2. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
3. XXXX XXXX XXXX Account Number : XXXX Dispute Reason : Not my account. This account was opened fraudulently without my knowledge or consent. 
Legal Basis for Dispute Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting that TransUnion block and remove all information related to these fraudulent accounts from my credit report. The FCRA requires credit reporting agencies ( CRAs ) to block and prevent the reporting of information that results from identity theft, provided that the consumer has submitted an identity theft report and supporting documentation. 
Additionally, 15 U.S.C. 1681i ( a ) requires CRAs to conduct a reasonable reinvestigation of disputed information within 30 days of receiving a dispute. If the information can not be verified, it must be deleted from the credit report. 
Supporting Documentation I have attached the following documents to support my dispute : 1. FTC Identity Theft Report ( Report Number : XXXX ) 2. Proof of Identity : Copy of my government-issued ID 3. Proof of Address : Copy of my recent utility bill Request for Action I request that TransUnion : 1. Block and remove the fraudulent accounts listed above from my credit report, as required by the FCRA. 
2. Conduct a reasonable reinvestigation of the disputed accounts and provide me with the results of the investigation in writing, as required by 15 U.S.C. 1681i ( a ). 
3. Notify the furnishers of the disputed information ( XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ) that the accounts are fraudulent and should not be reported on my credit file. 
Please confirm receipt of this dispute and provide me with a written response within 30 days, as required by the FCRA. If you fail to comply with these requirements, I reserve the right to take further legal action. 
Thank you for your prompt attention to this matter.
Product: Debt collection

I voluntarily gave a vehicle back to santander consumer USA inc. on XX/XX/2016. Ever since then they call every week even though they will not accept a settlement amount. I have asked for documentation of where the car was sold to confirm the remaining balance, and they have refused to send that to me. I need documentation for my records to ensure that the amount remaining is in fact the correct amount. I have tried to work out payments, but they want a ridiculous amount that is over the amount we tried to settle for in the past. This situation is hindering me financially. I made the decision to send the car back, due to the interest it was collecting and not being able to ever pay the car balance down any in the 3 years I had the car.
Product: Mortgage

My loan was recently sold to a new lender, NewRez.

On XXXX I reached out via phone to inquire about potentially having the PMI removed through an appraisal. They assured this is something they offer and will get the paperwork started and I would hear something in the next week or XXXX. 

XXXX weeks go by with no correspondence. I reach back out via phone and was advised to give the paperwork another couple of days as it was certainly mailed out. 

A week goes by and no correspondence. I called again in the beginning of XXXX. They advised to wait a couple more weeks for the paperwork to come. 

I still haven't had any correspondence. I reached out again XX/XX/XXXX and was advised they are going to send the paperwork via my online portal and I should receive it that day due to when the loan got transferred, supposedly not everything transferred over - which is the first time anyone ever mentioned that. 

I never received anything. I called back on XX/XX/XXXX and was advised that something wasn't submitted for the file to go through but he would do that ASAP and I would receive the information. I asked to speak to a supervisor several times during this call which I was advised one is not available. 

I still have not received any information and keep getting the run around everytime.
Product: Debt collection

Received a letter, Dated XX/XX/2019, from a debt collector falsely stating that, I owe {$730.00}. This is not my debt. I informed the debt collector that, I am represented by a Law Firm, regarding the alleged debt..
Product: Debt collection

The XXXX XXXX XXXX destroyed me personally as well as my business. I never requested any free money through the XXXX program or through unemployment insurance payments. My business was shut down, out of business for XXXX full years. Your financial institution received millions of dollars for offset losses from either XXXX funding or direct payments from the U.S. Department of Treasury. Yet I as a little part of the economy has suffered permanent destruction to her credit. This was and is unfair. I believe that your institution should dismiss my balance altogether. Your institution could send out a XXXX in exchange for the write-off. I see no other way out of my situation other than a XXXX XXXX filing. I pray that your institution can see through my problem and extend to me a complete write-off from any current indebtedness. Thank you. 
XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I mailed a payment on my Santander Bank mastercard. The statement balance was {$510.00} ; I mailed 2 checks ( XXXX & XXXX ) totalling {$510.00} on XX/XX/XXXX. The payment due date ( shown on 1st page of attachment ) was XX/XX/XXXX. 
On XX/XX/XXXX I received my new statement, reflecting a late fee of {$25.00} and an interest fee of {$9.00}. 
I went online to the Santander site to investigate. The current statement showed an ending date of XXXX and included the late & interest fees, charged on XXXX. ( 3 attached, highlighted pages marked as Exhibit 1 ). 
HOWEVER, when I changed view to the " since last statement '' tab, Santander clearly showed that my check payments had been received in their office on XX/XX/XXXX. ( pg. 2 of Exhibit 2, payment date highlighted ). 
I phoned customer service. I was told that while the payments had been received XXXX, it takes " a couple days to process '' payments, thus generating the XXXX late fees & interest. 
Customer service agreed to remove the late fee of {$25.00} ; I didn't realize at that time there was an additional {$9.00} interest fee charged. 
This is appalling. If the " real '' due date is " a few days '' prior to the date shown on my statement, that should be clearly communicated to cardholders. I understand the postal service has delays, which is why I posted the checks 7 days in advance. Santander Bank is not disputing they received the checks prior to the due date, but they assessed fees ANYWAY.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21, I received confirmation from US Bankruptcy Court XXXX District of PA that they DO NOT provide any type of information to credit reporting agencies. 

On XX/XX/21, I received confirmation from XXXX XXXX that a security freeze has been placed on my file per my request as I was recently a victim of identity theft. 

On XX/XX/21, I received results of dispute with Equifax in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. I then sent a request disputing those results as inaccurate. 

On XX/XX/21, I received results of dispute with Equifax again in which they stated their investigation confirming a bankruptcy filing was reported to them by XXXX XXXX. 

I am requesting this item be deleted from my credit file with Equifax as they have violated the FCRA in falsely reporting information. 

See attached documents
Product: Credit reporting

XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX # XXXX XXXX {$180.00} XXXX charge off {$4800.00} XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XXXX XXXX XXXX, FL XXXX
Product: Debt collection

Dear Sir/Madam, I am a retired XXXX year old U.S. Military Veteran who has a XXXX XXXX. Today, XX/XX/XXXX, I found out through my bank XXXX XXXX that my FICO credit score has plummeted 52 points down to XXXX from my previous month of XXXX score of XXXX. I immediately went to XXXXXXXX where i have a free account in order to find out what happened to my excellent credit. I found out that there is a report of Late Payment from THE SWISS COLONY,  an online food store. I've had an account with them since my first order dated XX/XX/XXXX. Since then, I've been a good loyal customer and I've ordered many of their products every year until this XX/XX/XXXX. I still have all the copies of my annual orders from this company in my email folder. On XX/XX/XXXX I received a letter from this company, dated XXXX XXXX, XXXX, that my " account is past due and please pay {$10.00} immediately to bring account current ''. I felt very badly embarrassed and ashamed of myself for forgetting to pay this bill and I immediately went online and paid the total blance of {$54.00} which was the total amount balance shown online. The letter they sent me differed a little bit because it showed Account Balance {$43.00} plus Past Due Amount {$10.00}.

About 3 - 4 days later I received another bill which showed that the due date was XX/XX/XXXX. I've already paid the total balance as I mentioned on XX/XX/XXXX. 
My complaint is that this conmpany did not honor their payment due date XX/XX/XXXX as shown on their bill/invoice. As i mentioned, I paid the entire balance XX/XX/XXXX. They didn't even give me the courtesy of notifying me that they will report me to the credit bureaus. Now, I have a Late Payment report in my credit report which stays for 7 years. 
I worked very hard over many years to have an excellent credit record. I pay all my bills on time and I have records to prove this. Please help me to be able to recover my excellent credit record. I would like to pass from this life without the stigma of Late Payment which will remain in my credit report for 7 years. 

Sincerely yours, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Veteran, Retired P.S.

I have attached relevant documents including my email letter to The Swiss Colony Company dated XX/XX/XXXX in which I apologize for a late payment and asking for help to set up an automatic payment from my bank XXXX XXXX or my XXXX XXXX credit card because of my memory problem as a proof of my good intentions. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$670.00} ; XXXXXXXX XXXX XXXXXXXX : {$17000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX : {$500.00} ; XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$260.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX