23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I and my family stayed at the XXXX at XXXX XXXX apartment at XXXX ( currently named as XXXX XXXX at XXXX with address - XXXX XXXX XXXX, XXXX, XXXX ) for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 


I have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed Signed by XXXX XXXX XXXX representing the apartment management e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 


Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( NCS ) is not the same. 


The apartment management sent a demand notice claiming the unresolved maintenance issues as damages. We responded thru our attorney with the above facts for the demand notice sent by the apartment management. We were ready to pay the utilities bill that was legitimate. However, the apartment management did not respond and transferred our account to collection agency National Credit Systems ( NCS ). 


NCS communicated with us and demanded a sum that is more than what was demanded by apartment management ( the apartment management demanded {$1500.00} while NCS demanded {$2300.00} ). NCS did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. Our effort to negotiate with NCS for a reasonable settlement were not accepted by NCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX submitted disputes with XXXX  and XXXX XXXX please see attached
Product: Money transfer, virtual currency, or money service

The email informed me that I need to wait 90-120 days for the funds to be released. But there is no dispute on my account. You should release my funds as promised in the email. Why hasn't it been dealt with yet?
Product: Debt collection

XXXX XXXX sent XXXX too collections with Enhanced Recovery Co- the account was opened up fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time when I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

Good Morning, My name is XXXX XXXX and on Saturday I received a letter from Citibank stating I have until XX/XX/year> to respond or they will be sending this account over to The State of Maryland custody. I have not received and or charged this credit card or credit card account. It says Checking accounts with {$2200.00} as the balance. XXXX  # XXXX. Property id # XXXX Acct # XXXX XXXX  # XXXX. I do not have a checking account with this bank, I have not received or withdrawn any funds from this bank. And I would like this to be looked into, please.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), it is essential to ensure that consumer reporting agencies act with fairness, impartiality, and respect for consumers ' privacy. XXXX and XXXX are such agencies, and as a consumer, you have the right to safeguard your private information, as reinforced by 15 USC 6801, which emphasizes the Congress 's policy for financial institutions to protect customer privacy and data security. 

Moreover, any financial institution, including " Furnisher of information to credit agencies, '' falls under this definition. According to 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies can only furnish your consumer report if you provide written instructions to do so. XXXX, XXXX, and the financial institution ( Furnisher of information to credit agencies ) do not possess your consent or written authorization to share this information. 

In addition, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without informing consumers of their right to prevent such disclosure. However, ( Furnisher of information to credit agencies ) did not inform you of this right.

Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in your report without authorization, except for certain criminal convictions older than seven years. The account they are reporting without your permission violates this law.

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) states that no one should provide inaccurate information to consumer reporting agencies knowingly or with reasonable cause to believe it's inaccurate. XXXX and XXXX might be in violation here.

Lastly, 15 U.S. Code 1681e mandates that consumer reporting agencies must maintain procedures to avoid violations of section 1681c and limit the distribution of consumer reports to authorized purposes, as specified in section 1681b. XXXX and XXXX 's procedures may not be in compliance. 

Finally, 12 CFR 1016.7 states that consumers have the right to opt out of reporting services at any time. Therefore, you are choosing to opt out of their reporting services.
Product: Credit reporting or other personal consumer reports

I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : XXXX. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately. 

XXXX. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( XXXX ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were paid on time, and the false reporting of late payments is a violation of FCRA and XXXX. I demand that these remarks be removed immediately to ensure the accuracy of my credit file. 

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights. 

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.
Product: Mortgage

I applied to Amerisave in early XXXX as regards refinancing two properties.

I was convinced that the process would be timely and that at all points there would be a loan officer who would help the process along. 
I specifically requested to know if they thought I had a good chance of success with the loan application and was assured I did. 
I think I did too, but did not want to waste my time, energy or money. 
I have five rentals all rented out 100 % of the time XXXX. I have a restaurant that is OPEN and doing business at 80 % of sales XX/XX/XXXX compared toXX/XX/XXXX. 
The business has received that 20 % income shortfall in grants - thus no actual loss year on year. 
Not to mention my personal income has increased, due to staff not returning I have worked those shifts and received $ XXXX in tips/wages. 
Everything is verifiable with W2, audited and submitted Tax returns etc.Everything was submitted ti Amerisave.

The process became unprofessional with repeat requests for the same documents. Multiple requests for profit and loss reports ( three, each time costing {$600.00} ), and of course two appraisals at {$500.00} each. I could not speak to a person and when I finally did they apologized that they had not assigned both mortgage applications to the same agent. 

I have received no explanation as to why I have been denied. 
I was not requesting money out from the current mortgages. This was a pure re-fi. 

Had I been told the parameters for a successful application from the start, which I did request, then I would have been able to make a decision as to go forward or not. 

I feel duped and cajoled into making an ultimately unsuccessful application which has cost me money, time and sapped my energy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX [ XXXX, XXXX, XXXX ] [ XXXX ] [ XXXX ] XXXX [ XXXX ] [ Address of the XXXX XXXX XXXX ] Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear XXXX XXXX XXXX XXXX Name ], I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 
Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
Ikes These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I ani deeply concerned that my dispute may be mishandled iXXXX a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

They refuse to delete an address that is reporting on my credit file that I do not recognize. Its XXXX XXXX XXXX, XXXX NC XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian credit reporting agency , block all accounts listed below appearing on my consumer credit report the result of identity theft and fraud. The fraudulent, inaccurate, and false information are listed as such : 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 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 XXXXXX/XX/XXXX. These accounts have been associated with several fraudulent hard inquires, collections, false information placed on my consumer credit report. I do not recognize the information being reported and all accounts mentioned about were not initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX and XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

I believe the account is invalid. XXXXXXXX XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be update from my credit & their records. XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for the attached document or screenshot that I didn't apply for the inquiry. The Alert with address social security number registered with credit journey as a fraud alert. The breach in attached context my credit score drop when logged in to credit karma from XXXX to XXXX that is a data breach with all 3 bureaus that Experian is being notified I should not have a credit score breach from a decent credit card that the financial lines must be being monitored by a third party at this risk level of underpayment and spending the index is being hacked. No other statement be needed other than that review of attached screenshot of data breaches exposed and Experian alerts.
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 XXXX XXXX 1681. 
Account name : 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 I looked at my Experian credit report on XX/XX/2024 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: Checking or savings account

Mr. XXXX XXXX of the Charles Schwab Advocacy Group by letter dated XX/XX/2018 told me that one ( 1 ) person at Charles Schwab closed my accounts! One person! There were no controls to prevent this! 
The person angry with me because of my request that she refused to honor to add my middle name of XXXX my name on my checks in spite and with vengeance closed all my accounts! Mr. XXXX later reopened my accounts but again this person closed them! One person was able to lose my accounts and place my financial situation in absolute turmoil! No supersivion! No controls! No nothing! All done by one lone person!
Product: Student loan

I have asked several times about the XXXX forgiveness program and was told by several workers at Navient that I do not qualify. They should have a record of each and every time that I called in regarding this matter. I make my payment of {$180.00} monthly and all of this is being applied to the interest on the loan. I do not see my balance going down. I make my payments on time and been paying on this loan for almost four years. Each time I have called into the company no one is willing to help me resolve this matter.
Product: Payday loan, title loan, or personal loan

World Acceptance of XXXX Oklahoma has called my place of work and asked for my boss then hung up multiple times ( I have no clue why they would want to speak to my boss but he is a lawyer and I knew he would tell them off for the illegal actions they were committing but they kept hanging up before I could get him ) then when I did talk to XXXX XXXX a loan officer with World Acceptance she threaten me with legal action and then again with taking my collateral which I told her she had to do what she needed to do but not without a court order and this made her mad so that is when she started calling my job and hanging up ( I have photo evidence of her calling my work phone ) then I went to a local high school football game with my husband and children and XXXX was there, and when she noticed me I was taking my child to the concession stand well she stepped out in the walkway and stared me down I just smiled and nodded my head and went around her ( I'm XXXX I'm not going to fight you because I told you to do your job the right way ) then on our way back through from the concession stand she was telling everyone she was with ( about 6 or 7 people ) about how I was a no good piece of XXXX and that I refused to pay ( which is a lie, I told her when I would pay she just refused to listen and was more interested in threatening me ) so I had to set at this football game with all these people giving me the death stare, I was afraid they were going to jump me. well I went to World Acceptance to make a complaint and XXXX XXXX told me that when I made a payment then she will look into what XXXX did. XXXX also told me that if I don't pay they will hunt me down and I will never get another job she said to me that hunting me down for {$600.00} is how she feeds her kids and she made me feel completely unsafe I live in a small town I feel like I need protection now. I also had to serve them a cease and desist order but they have ignored it and gotten more violent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear reporting Agency i am an identity theft victim. i am writing to dispute the following items on my credit report. each of those accounts and transactions i dispute were opened and made by the thief, not by me. i never authorized, used, or benefited from the accounts or transactions in anyway -XXXX XXXX XXXX  {$1000.00}
Product: Mortgage

I have been paying 11percent interest on {$18000.00} loan for the past 21yrs, I have paid roughly {$46000.00}. on this loan, they keep changing loan companies every time I start to pay extra on my principal payments this is XXXX XXXX c/o PHH Mortgage service and others
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for forbearance on both of my accounts and they were approved from XXXX to XX/XX/2020. In XXXX, at the end of the forbearance, I came to an agreement with the loan Servicing company and went into a repayment plan. So I don't understand why both of my accounts were reported as late which is not right.

Do you know why your company reported my account as late on all 3 credit bureaus? Do you know why both of my accounts haven't been updated on all 3 credits bureaus? I have been making payments  arrangements since XXXX of this year and it shows up on all credits bureaus. I need the late report removed from my credit report on all bureaus and all payments made so far for the months I paid after forbearance updated. The fact that you reported my account late when we both agreed to a payment arrangements is a violation of the care act and against the law. 

I'm currently applying for a SBA loan to purchase a business and out of the blue the 2 reporting made by your company just dropped my credit score which is hurting my chances of getting approved for the loan. I will most likely lose money if this issue is not fixed asap. I'm pretty sure they is a way to get this issue fixed right away instead of having me wait 45 days when per our agreement, this should've never happened in the first place. Now you're telling me to wait up to 45 days risking losing my deal? This is not fair.
Product: Debt collection

XXXX XXXX is showing that I owe a balance of {$1900.00} which is incorrect. This balance is not valid and there should be a XXXX  balance on this account. There is no possible way this balance is correct or owed to XXXX due to I switched carriers and bills were paid.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collectors havent called- if they have there was no message left to return call. Received XXXX mailing, when called the number on the mailer to pay debt, there was no answer even within business hours.