23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Read attached. 
Landlord @ XXXX Apartments XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, XXXX XXXX XXXX stole my identity, AZ Drivers license number, social security card, bank information and gave me a FAKE lease in the name of XXXX XXXX XXXX XXXX who is not on the Deed or who owns the leases as owner is XXXX XXXX XXXX XXXX. Landlord, XXXX XXXX does fraudulent schemes and identity theft and stole both our identities to swindle rent money and fake IRS tax write offs are crimes. XXXX XXXXXXXX XXXX said move in special {$500.00} off and I never got that is fraud. XXXX, Landlord received from me {$500.00} security deposit and stole it since XX/XX/XXXX. XXXX stole my electronic signature & charged me a scam, Rent Plus {$8.00} and owes me XXXX {$8.00}. Plus double charge XXXX  XXXX utilities is fraud {$9.00}, Landlord received certified mail from me, a Retaliatory Action Notice. Illegal rent provisions is fraud. XXXX is master metered, XXXX XXXXXXXX lease says individually metered. Landlord does NOT pay City of XXXX rental taxes and charged me & I paid, is tax fraud. Landlord breached Warranty of Habitability, no air-conditioning. On XX/XX/XXXX landlord turned off my HVAC=no heat on XX/XX/XXXX XXXX, 2 fake notices on my front door from landlord=harassment, AZ law says I can move out from the harassment and abuse. All my legal notices to landlord served XX/XX/XXXX moveout. Landlord stole my {$500.00} security deposit. No Debt collector responses, XXXX XXXX XXXX XXXX., XXXX XXXX, attorney, no debt collect response, fake collector and no AZ collector license = XXXX XXXX XXXXXXXX & is a 3rd party. No debt collector response from Sequium Asset Solutions LLC is a phone collector and 3rd party FDCPA violations. I turned them all in to the FTC XX/XX/XXXX for FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 XXXX
Product: Debt collection

XXXX XXXX , XXXX and XXXX XXXX, XXXX are the same companies based on my research. However, this company is violating my privacy rights, infringing on my right of refusal, and calling me excessively and repeatedly for collection on the part of PNC Bank of Maryland. This collection is result of a repossessed car a XXXX XXXX XXXX. 

I purchased the car from XXXX XXXX XXXX  XXXX XXXX during the month of XX/XX/XXXX. Initially, the phone calls came from a unknown number. However, after I retrieved the voice mail I realized it was an employee of XXXX XXXX and XXXX XXXX, XXXX, which is the same company soliciting monies for the car. After the car was repossessed PNC Bank never notified me about the sale of the car, the amount it sold for, or whether or not I would have any residual monetary cost associated with the sale. 

My efforts to resolve, get information, and how important this was to my credit rating is an essential cause for this complaint. PNC Bank purposely and quite possibility exposed me to unfair loan practices used by XXXX XXXX   XXXX XXXX for the purchase of my car. 

For the record, I shouldn't have been approved for the car based on the following metrics : 1. As a new first time buyer with little to No credit or credit history.

2. PNC Bank worked directly in consultation with PNC Bank and it's history of using unfair tactics on minorities for the sole purpose to undermine, take advantage of, and possibility ruin their credit rating and histories. It has been documented as far back to XXXX. 

3. At the time of my purchase I wasn't employed long enough for such a price tag of nearly and over {$20000.00} dollars for a car which would have caused me great harm and distress. However, XXXX XXXX  XXXX XXXX XXXX sought to find a lender who was willing to approve this loan. 

4. PNC and XXXX are both causing me great distress and distrust for the outcome of this loan. 

5. XXXX XXXX have been calling me repeatedly threaten me with ruining my credit and asking for payments of the total amount of the car value of which PNC Bank should be totally responsible for at this moment. 

6. PNC Bank had a fiduciary responsibility to sell the vehicle for the highest possible price to offset the loan of which they approved of which based on the evidence and ability to pay should have never been approved. BUT IT WAS. 

Finally, I have asked XXXX XXXX to stop harassing me, calling me excessively, and attempting to blackmail me through ruining my credit and harm me financially.
Product: Checking or savings account

To Whom It May Concern : I am writing this email to detail my unfortunate incident with your bank. I had an active checking account with your bank for about 3.5 years until XX/XX/XXXX. My account was used to directly deposit my paycheck. I received an email from Wells Fargo on XX/XX/XXXX that stated that my account had been closed due to inactivity. There was never any warning or correspondence with me prior to this happening, so it was a total shock and surprise. To further complicate matters, I was to be paid from my job on XX/XX/XXXX via direct deposit. I did visit the local branch to investigate further and was treated with a great deal of indifference. I was told that the closing of my account was due to inactivity during the month of XXXX and a XXXX cent overdraft. I explained that I am a XXXX XXXX and that there is always very little activity on my account in late XX/XX/XXXX and XX/XX/XXXX because we do not get paid in the summer.
My paycheck is now floating in cyberspace because of your bank 's actions. I am completely dissatisfied with Wells Fargo and will never again do business with you. I was treated in such a disrespectful manner and there seemed to be no recourse for the problem of closing a customer 's account without prior notification. If there is any legal recourse, I will definitely consider using it.
Product: Debt collection

I, XXXX XXXX XXXX XXXX, requested that Specialized Loan Servicing LLC provide proof of this debt by showing my proof of the note in a letter dated XX/XX/2017. SLS LLC stated in their document to me that they were only the service provider of this note in letter dated XX/XX/2017 signed by XXXX IDXXXX. I told them that this violated my original contract. TXXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX as successor Indenture trustee to XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is listed on their letter as the current creditor. SLS has admitted that they are not the owner! I DEMAND SLS LLC show my original note that I signed within 5 business days of receipt of FULLY REFUND all of my payments, interest and fees to the account on file with XXXX XXXX ending in XXXX. Afterwards, release my lien and all closing documents to the address listed on file.
Product: Credit reporting or other personal consumer reports

LexisNexis is reporting an alleged bankruptcy on my consumer file I would like the documents or what lever evidence that have to prove that this bankruptcy belongs to me. If no such evidence exists remove this bankruptcy from my consumer file.
Product: Mortgage

I called to request a loan modification and was told by an agent that I did not qualify for a loan modification, and in order to do so I would have to stop making payments in order to qualify for a short sale or a deed-in-lieu. 
I began completing paperwork to begin the short-sale process. While doing so, I stopped making payments, as advised. I listed my house for sale with a real estate agent, and have since gone under contract for {$100000.00} which is roughly {$7000.00} over the payoff amount of the mortgage. 


Whenever I forward the information to Ditech, they tell me one of the following, in various orders : ( a ) they have not received it ( b ) its not complete ( c ) its the incorrect form ( d ) its nothing that they can do ( e ) they are not going to do anything to change the foreclosure date I have never been able to complete the paperwork, according to ditech even though I am constantly following up with them. Ditech 's representatives make it entirely too difficult to complete the paperwork, as most of it is not available to be done via a webapp and it 's hard to verify or confirm whether or not they have truly received my paperwork via fax and/or email. I have even heard that my emails are too hard to read so they have thrown them out. My real estate agent and I have both pleaded with the company telling them that we have offers far above the payoff amount of the loan. It seems that the mortgage company is more interested in foreclosing on my home than they are with actually helping me to sell it.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Mercedes-Benz Financial Services ( MBFS ) regarding their failure to remove an inaccurate late payment from my credit report, despite my repeated efforts to resolve the issue directly with them. 



The late payment in question occurred in XX/XX/XXXX under my business, XXXX XXXX, XXXX ( Account # XXXX ). This was the only late payment ever recorded on this account. However, the delay was caused by MBFSs failure to promptly resolve issues with my ability to access their online payment portal. When I leased the vehicle in XX/XX/XXXX, I attempted multiple times from XXXX to XX/XX/XXXX to gain access to the portal, making numerous calls to MBFS representatives. Despite my efforts, I was unable to make online payments due to unresolved technical issues on their end. It was only in XX/XX/XXXX that an MBFS representative finally identified the problem and corrected it, allowing me to make payments successfully. 



Although this issue was clearly caused by delays in MBFSs system, they have refused to remove the late payment from my credit report, which is unfair and inaccurate. This negative mark has significantly impacted my ability to secure housing for my family. Furthermore, this is a business auto loan, and as such, it should not be reflected on my personal credit report, as I was never in default on this account. 



I request the CFPBs intervention to ensure that MBFS removes this unjust late payment from my credit report and correctly reports this business loan in accordance with applicable regulations. 



Thank you for your time and assistance in this matter. I look forward to your prompt response.
Product: Student loan

I 've tried for many years explaining to them how I could not afford my loans after college and they kept changing programs on me. I went from owing XXXX to now owing XXXX and my payments have tripled and I really ca n't afford them now!!
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information I am writing to formally address the issue of inaccurate information reported on my credit report, which has caused significant harm and distress. Despite my previous request for the removal of erroneous data resulting from the XXXX data breach, the inaccuracies remain uncorrected. As a victim of this breach, my information was illegally sold and bought, leading to the unauthorized accounts listed below being added to my credit report : - 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  These inaccuracies have severely impacted my financial standing, XXXX XXXX, and overall well-being. Despite XXXX 's admission of the breach and my documented evidence, no effective measures have been taken to resolve the issue. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681XXXX ), I am entitled to accurate and fair reporting. The continued presence of these inaccuracies on my credit report constitutes a violation of my rights under this Act. Consequently, I am seeking a financial settlement for the damages incurred, including but not limited to : XXXX. Emotional distress caused by the breach and its consequences. 
XXXX. Financial losses due to higher interest rates, denied credit applications, and other credit-related issues. 
XXXX. Any legal fees incurred while attempting to rectify this situation. 

I am requesting the immediate deletion of the aforementioned inaccurate accounts from my credit report and a financial settlement to compensate for the damages I have endured. I expect a response within 30 days from the date of this letter. Failure to address this issue promptly will compel me to pursue further legal action. 

Please find attached documentation proving my status as a victim of the XXXX data breach and the consequent inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to XXXX XXXX  on XX/XX/XXXX  asking to 1 ) prove negative remarks reported on my credit report and IF proven true to make a goodwill adjustment and remove negative remarks. I received a corresponding letter dated XX/XX/XXXX  stating that " After reviewing our records, we find that we are unable to make any adjustments to your payment history ''. While I do understand that the creditor is under no obligation to grant a goodwill adjustment, XXXX failed to acknowledge my other requests with this response. 

I responded to this later on XX/XX/XXXX  ( mailed on XX/XX/XXXX  ) reiterating my original requests to 1 ) validate these late payments and 2 ) to provide me with written confirmation of the steps taken to investigate my dispute. Their initial vague and short response led me to believe that they did not taken my initial claim seriously and failed to validate said negative remarks AND did not follow through with providing me with written steps they took to investigate my claim. I have yet to receive any correspondence from them since my letter and therefore, I believe that my rights are being violated and my claim was not properly handled. I have attached ALL correspondence between XXXX and I since my initial dispute as well as the mail receipt of the final letter that was sent.
Product: Mortgage

I have paid my mortgage on time consistently since it opened in XX/XX/2022. However, the mortgage servicing company, On Q Financial, has failed to pay the XXXX XXXX XXXX bill from my escrow account. On Q Financial has been collecting money to my escrow account, but has failed to pay my real property tax bill. I called the company repeatedly in XX/XX/2022 when I first notice the bill had not been paid. I was assured that the company would take care of the payment and any late fees assessed. As of XXXX XX/XX/2022, no tax payments have been made to the XXXX XXXX XXXX on behalf of my property. 

On XXXX XX/XX/2022, I received a letter from the Office of the XXXX XXXXXXXX XXXX dated XXXX XX/XX/2022 stating I have a debt of {$1000.00} in taxes past due. This is extremely disappointing and I am very frustrated with On Q Financial. 

I sent emails to On Q Financial on XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022, and XXXX XX/XX/2022 in regards to my property taxes which went unanswered. This demonstrates a pattern of On Q Financial ignoring my repeated requests to ensure my property tax bill is paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Equifax/XXXX  credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the account XXXX XXXX XXXX. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 

XXXX XXXX XXXX XXXX Open Date XX/XX/2013 Balance : {$8700.00}
Product: Money transfer, virtual currency, or money service

I AM FILING THIS COMPLAINT AGAINST CASH APP ( BLOCK , INC ) DUE TO inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ) specifically, cash app failed to take timely and effective measures to prevent and address fraud as well as charge holding and discrepancies on their platform, leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptively nd always ruled in favor of the company committing the offense against my cash app account as cash app did not comply with error resolution requirements under the electronic funds transfer act ( efta ) and regulation E. this has caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out on Thursday, XX/XX/2021 that a debt collection agency that goes by the name, NTL Recovery Agency and also goes by the name, National Recovery, reported a false collection account on my credit report. This false report was reported on all the three major credit reporting agencies, XXXX, XXXX XXXX, and XXXX. 

According to NTL Recovery Agency ( also called National Recovery ) XXXX XXXX XXXX  referred a delinquent account supposedly in my name and with a past due amount of {$440.00}. NTL Recovery Agency falsely reported this as I do not have and have never had an account with XXXX XXXX XXXX. I have called XXXX XXXX XXXX  about this and the XXXX XXXX representative I spoke with said XXXX XXXX XXXX did not refer an account in my name to any collection agency, the representative confirmed that XXXX XXXX XXXX does not have an account in my name. 

I called the phone number listed for the debt collection agency, an automated female voice picked up the call and asked for my Social Security number in order to assist me. I of course did not provide my Social Security number. 

Please see the contact information listed on my credit reports for the debt collection agency below : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX And National Recovery XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged ( XXXX XXXX XXXX, XXXX XXXX XXXX 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXX Balance {$0.00} ) showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

AUTO LOAN : XXXX XXXX XXXX {$9700.00} this account was closed because it past ( XXXX yrs XXXX mos ) since the date it's opened XX/XX/XXXX Already past the statute of limitation in CA according to the law and consumer 's right 's under the law. now I see this AUTO LOAN Account re opened again after it was closed, that does't make any sense, also violating the consumer 's right 's under the law, I Called transunion credit bureau four times to help me to understand what's going one with this account 's, unfortunately No clear answer was give it to me, My credit scoXXXX has been damage a lot causing my credit drooped XXXX points down this month XX/XX/XXXX under section : missing monthly payment 's according to My credit report monthly checked online, Please I need cfbf contact transunion credit bureau to investigate and I request from transunion credit bureau to remove this AUTO LOAN : XXXX XXXX XXXX because it doesn't belong to me based on identity theft happened to me before. 
dispute FILE NUMBER : XXXX for My Case in transunion credit bureau.
Product: Debt collection

My debt was sold which means that it no longer belongs to me, as part of the fair debt collection practices Im not obligated to pay
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 shalli ) 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. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ACCOUNTS XXXX XXXX  Account XXXX XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$8700.00} XXXX XXXX XXXX XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$20000.00} XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX {$650.00} XXXX XXXX, XXXX & XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX XXXX {$650.00} TRANSUNION***** XXXX, XXXXXXXX XXXX  XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items to be corrected or deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX