23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt of {$100.00} is not my bill. This debt was bought by another debt collector Pendrick Capital Partners II in XXXX, VA. This was reported to my credit bureau again after it was removed and disputed. This was disputed and taken off my credit report by XXXX  when the last debt collector had the account. Now I am being harassed again. The supposed creditor was XXXX of XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX. I do not owe them a bill. I have not done business with this company. I do not owe the debt please provide validation of the debt with my signature. I have not agreed to any services or signed a contact with the supposed creditor. I want a copy of the signed agreement ASAP. If I am not provided with a copy of the signed agreement I will be contacting an attorney. I believe this fraud and this is not my bill.
Product: Checking or savings account

For over fifteen years I've had a Capital One 360 Savings Account which when I opened it was promoted as a higher yield interest rate account. At some point, Capital One created a new savings product called the 360 XXXX XXXX Account. While my 360 Savings account was earning a mere 0.3 % interest rate, the XXXX account was offering interest rates of 4.35 %. I was never alerted about this or encouraged to move my nest egg into the new higher-yield account effectively losing years of interest-led growth.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reports from XXXX, and Experian show a car repossession listed as an account that originated with XXXX and has a {$0.00} balance due. The original lender was XXXX and the account was sold to XXXX. XXXX XXXX This report and collection information is inaccurate and incomplete because : The amount stated in the collection is incorrect, and the balance is inaccurate. The lender sold the Vehicle at auction, the Vehicle had XXXX insurance, therefore XXXX was paid for the difference between the sold price and the remaining due at the time of voluntary surrender. XXXX did not report the amount it sold for, and never disclosed the amount to me, they were paid by the XXXX insurance company the difference between the selling price and the balance on the account. The original account has been adjusted to a {$0.00} balance. However, XXXX sold that account to XXXX XXXX XXXX for the amount of {$11000.00} While XXXX found the error after I reported the issue in 2022, and removed the account from their credit report, XXXX XXXX XXXX are continuing efforts to collect on a debt that has been paid in full and reporting the delinquency to XXXX, and Experian credit reporting agencies. This violation of FCRA laws has impacted my credit score for years.
Product: Debt collection

There should be no debt owed to Rental Recovery Solutions property at all. The XXXX property never reached out to me in regards to owing anything and I paid them a little over the rent when I moved out. Also according to the law if my air conditioner was out for over XXXX weeks and I submitted multiple work order over the XXXX weeks I was able to move out without persecution. Once I reached out to the company about the original debt owed they werent able to provide me proof of debt they just told me that I had to pay it monthly and if I were to pay it they would not be able to provide receipts of the debt paid as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inaccurate account on my credit profile, reporting as XXXX XXXX XXXX XXXX. I have contacted the company and disputed this inaccurate account on several occasions and the account still remains on my credit profile. The company indicates The company that reported the information has certified that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

The credit reporting bureau needs to provide me with documentation proving the accuracy of the account. This account does not belong to me and needs to be removed. I have not been provided with any documentation such as that which holds my signature indicating that this account is accurate and the company is in violation of my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit that arent mine at all
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by AmRent, Inc. AmRent, Inc XXXX XXXX XXXX XXXX and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. AmRent, Inc, XXXX, XXXX and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. AmRent, Inc, XXXX, XXXX and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
AmRent, Inc, XXXX, XXXX and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
Product: Money transfer, virtual currency, or money service

I have a investor wallet with Blockfi, which is supposed to be in cold storage. The wallets are in my name and not to be used to satisfy secured creditors in case if bankruptcy comes. Also, I can not widraw my funds at this point.
Product: Debt collection

XX/XX/2022, a debt collector firm " XXXX XXXX XXXX XXXX XXXX '' sent me without my prior consent a XXXX letter stating, I owed a debt and used false, deceptive, misleading representation and implications that the communication was from an attorney. They are attempting to collect an alleged debt that was charged off on false claims of on behalf of another company. Also they now violated 15 U.S. Code 1692i ( b ) as they have filed legal actions against me as debt collectors on XX/XX/2022 without no authorization from me
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the new law effectiveXX/XX/XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in your credit file. the Credit Bureau has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are a list of Hard Inquires not authorized by me and without my knowledge XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX XXXX  OPENED XX/XX/2021 XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX OPENED XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX  OPENED XX/XX/2021 XXXX XXXX  OPENED XX/XX/2021 XXXX OPENED XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX OPENED XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting this complaint to inform you again that I am a victim of identity theft and I write todispute certain items in my file resulting from the crime. The items I am disputing do not relate to anytransactions obtaining any possession of goods, services, or money that I have made or authorized.Please block the reporting of any information in my credit file that resulted from the alleged identitytheft. The following items listed below are unknown to me. XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX CT XXXX XXXX, TX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : {$160.00} ; XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance : - ; XXXX XXXX  XXXX  ( Original creditor XXXX XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$350.00} ; XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$270.00} ; XXXX. XXXX, XXXX ( Original creditor XXXX ) XXXX Date opened XX/XX/XXXX Balance : {$240.00} ; XXXX XXXX ) Original creditor XXXX XXXX XXXX ) XXXX Date opened XXXX XXXX Balance : {$710.00} ; XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXXInquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX ; XXXX Inquiry : 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 Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2022, I filed a dispute with XXXX, Experian and XXXX Credit reporting agencies about the unverified account XXXX. In these months I have not received a notice in over 45 days and I have tried multiple attempts for verification of these unverified account with this credit reporting agency. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

Look at the evidence which was also forwarded to the DOJ. Clearly you can see this company is retaliating against me for filing complaints. In the screen shots provided that experian is absolutely not telling the truth. They closed this complaint FOR WAT YOU DID NOTHING BUT FURTHER DESTROY MY CHANCE AT GETTING A HOME AND THIS IS DONE ON PURPOSE
Product: Debt collection

my phone showed a person in my phone book even sad the name when i answerd it was HRRG Calling not XXXX XXXX i feal thay must have hacked my phone book or phone account the number when u look after words is the person in phone book so i dont know how to prove what thay are doing i would think what thay did is not leagle but i am not a lawer i would like them to say thay are sorry for what thay did and sence bill is less than 250 $ that thay pay it off thank you XXXX XXXX
Product: Credit card or prepaid card

I was charge {$40.00} plus $ for a BJ credit card which I do not want or use. I wrote to BJ 's at least three times on the statement that I did not want this card. I wrote at least 5 times to BJ 's & their bank - Comenity Bank - regarding same. They now claim I owe {$310.00} because of late fees. I can provide all my correspondence to them.
Product: Payday loan, title loan, or personal loan

This company has RIDICULOUS interests rates that are not clearly explained up front. My card was charged XXXX and Im being told that only XXXX of that goes towards the loan, the rest is all interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies AND XXXX XXXX have defamed my character and have infringed upon my consumer right to privacy. I have NEVER NOT ONCE given any verbal nor written consent to share my PERSONAL INFORMATION, including BANKRUPTCY to any 3rd parties. I called the bankruptcy court and they have plainly sent a letter back to me stating " They DO NOT REPORT, VERIFY, OR FURNISH INFORMATION TO CREDIT BUREAUS OR ANY PARTY. ". Now the question would be how did they get my information IF I didn't give them written consent AND the bankruptcy court do not report, verify or furnish information to any party. This have caused stress and harm to my name and have cause many denials in trying to support myself and my family. According to law this is illegal. They are going out fishing for consumers PRIVATE information and hardship, then selling it to make a profit to anyone they chose. I have sent in letters and have called them and it is still not removed. 

I sent letters certified to Experian, XXXX and XXXX XX/XX/2022 asking them to delete this and show me proof that they have the permission to furnish this information. They replied back to me and sent me reports that said VERIFIED AS ACCURATE. NO PROOF was sent to me. I resent a Certified letter XX/XX/2022 XXXX Experian, XXXX and XXXX. I called XXXX XXXX XX/XX/2022 and spoke with XXXX and XXXX. I asked who gave them permission to share my information? They couldn't answer. I kept asking and the she said they don't need permission to share my information to 3rd party people. She said if someone ask then they can give out my information. I have proof stating this information. 


Experian, XXXX, and XXXX have been reporting inaccurate information. I have went through all three reports and sent in certified letters challenging it and they came back as verified accurate but that's not possible and they have different information on each report so its all a lie. I NEED THEM TO DELETE IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have contacted each credit agencies. standard responce, Can not verify my identity. then why are you putting my wrong information on my credit file. start from my address every agency has different and employer : XXXX XXXX, what is that? I work XXXX XXXX XXXX. I am attaching all documents XXXX ) FTC Identity theift report from XXXX and XXXX XXXX ) Local Police report from XXXX XXXX ) All ID notarized. 
XXXX ) Credit report from three agencies. 
XXXX ) Utility bill Now, i dont want same letter back to me. 
I will send to FTC and XXXX XXXX to full extent of law. 
Also I am also Exercise Your State Privacy Rights Certain states grant their residents options with respect to their personal information. If you are a resident of California, Colorado, Connecticut, Montana, Nevada, New Jersey, Oregon, Texas, Utah, or Virginia, in some circumstances you may be able to request to opt-out of your personal information being sold to third parties. I am from Texas attached is my all forms of ID Notarized. 
XXXX ) I am Exercise my State Privacy Rights 2 ) Do Not Sell or Share My Personal Information
Product: Debt collection

Portfolio Recovery Associates have repeatedly harassed me in the form of phone calls to get me to pay this debt I don't owe due to identity theft. Now they're threatening litigation, which they legally can not do because they have the wrong person. Whatever amount they're claiming I owe, this isn't true. Everything they do is in fraud. In fact, they're known to have people pay in full, and then charge them again and again to pay ( after it's paid off ). This company is known to call up daily before, during and after working hours. I have repeatedly reported them to the FTC for breaking the do not call list. Everything this company does is fraudulent when it comes to debt collection, and I'm not paying them anything because they have the wrong person. Their behavior must stop immediately.
Product: Credit card or prepaid card

we called Citibank on XXXX XXXX, 2017 for a payoff- we paid the account off on that date via phone rep using our debit card-now the bank says we owe approx. XXXX for late fees and interest..i contacted Citibank several times and they will not help in fact says we did not call..how would we pay off the acct without the payoff amount? ... I spoke to Citibank XX/XX/2017, some time in XX/XX/XXXX and XX/XX/XXXX, ,XX/XX/XXXX, ,the fee they say we owed was XXXX and now with pentaltties, interest etc it is XXXX..We feel this is unfair practices..we did our part ..
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit company equifax deleted everything off my credit file. Can you please make sure they put my information back on credit report. I need to be compensated for the inconvenience. They cause me to lose XXXX points off my credit.
Product: Mortgage

Early in XXXX I requested that M & T Bank drop the PMI insurance from my mortgage. I was subsequently sent a notice that the PMI would not be dropped because I had not met 2 of the criteria in order to do so. One of the criteria required me to make an additional lump sum payment towards the principle, which I did. The other requirement was that the loan had to be in effect at least 5 years. I was told verbally by M & T that that period would be in XX/XX/XXXX. When I called in XX/XX/XXXX to find out when I would receive a new payment break down, I was told that the PMI could not be dropped until XX/XX/XXXX because the 5 year mark was on XX/XX/XXXX. The payment statement that I received from M & T shows an increase in the monthly payment due to their escrow analysis, which includes the PMI charge that I will no longer be responsible for. I called M & T Bank today ( XX/XX/XXXX ) and asked again for a new escrow analysis so that I would know what my correct payment should be on XX/XX/XXXX. I was told that I could not receive that new payment figure since the 5 year mark ( XX/XX/XXXX ) had not yet arrived. I asked if I called on XX/XX/XXXX if they would then send me the correct payment amount so that I could make my XX/XX/XXXXpayment on time. I was told that the analysis may take up to 60 days before it takes effect.

It is obvious to me that M & T Bank is stringing us along, and probably thousands of other mortgage holders as well, in order to collect additional PMI payments.

The resolution to this problem is simple. I need the correct payment amount for XX/XX/XXXX that does not include the PMI. 

Thank you in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : ITEMS XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX. XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX XXXX XXXX Date of XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of XXXX : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX ACCURATE OR THE INFORMATION MUST BE UPDATED. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXXAccount Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax in conjunction with XXXX XXXX, XXXX XXXX AND OTHER LAW BREAKING INSTITUTIONS used unlawfully procedures and or practices to INput inaccurate information on my consumer report without my permission .....
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 4 ), Experian infringed upon my right to privacy by publishing alleged negative information from third parties on my consumer report. 
Pursuant to 15 USC 1681b ( a ) ( 2 ), Experian received written instructions from me, nor does it have permissible purpose to furnish a consumer report about my alleged credit accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I also never provided Experian with written instructions to furnish alleged inquiries on my consumer report for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I.C. Systems contacted me during working hours, which is an inconvenience to me. Also, my number is registered on the National Do Not Call List as of XX/XX/2022. I.C. System, IncXXXX is violating the Telephone Consumer Protection Act by continuously causing my phone to ring during my working hours.
Product: Credit reporting or other personal consumer reports

I've reached out to Transunion multiple times in 2024 regarding my online access. Transunion refuses to allow me access which continues to put hardship on me and my family as I'm not afforded the ability to monitor my credit report in real time nor am I afforded the ability to add and remove security freezes in real time. This resistance by Transunion causes irreparable financial hard to me and my family as I'm not afforded the ability to protect myself from inaccurate imfortmation nor am I'm afforded the ability to remove a freeze on the weekend to make purchases if needed. Instead I have to wait to business days and sit on long hold times just to do a task that takes a few minutes. I've lost out on so many opportunities by no simply having access to my online bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX XXXXXXXX XXXX. Please delete ASAP.