23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I lived in an apartment for 3 years, noone did a walk through when I moved in, and the XXXX managemant company to take over the apartments just 60 days or so before I vacated wants to hold me to the terms of a lease I never signed. The XXXX in XXXX, WA representing the XXXX in XXXX, WA. Despite repeated attempts to contact them regarding this unfair charge, they sent me to collections for charges I do not legally owe. and ignored my XX/XX/2015 email asking for the charges to be corrected.
Product: Debt collection

To Whom It May Concern, I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from Rent Recovery Solutions, reported in XX/XX/year>. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.
Product: Credit card

Follow-up on XXXX Did receive, finally, a response from American Express that , I repeat, was NOT attached to their reply American Express indicated XXXX 

My reply is attached ... I think they owe me $ $ on XXXX cards ... XXXX of which should have been canceled by now ...
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I was given a loan by XXXX XXXX XXXX which is owned by XXXX XXXX XXXX XXXX for XXXX 
This company charges XXXX annual interest .This is in violation of The Illinois pay day loan reform act which states a company may not charge no more than XXXX per XXXX of interest, therefore making this loan illegal in the state of Illinois..Per section 1 of the Illinois payday loan reform act to give out payday loans to customers the company must be licensed in the state of Illinois which XXXX XXXX  XXXX is not licensed ..This loan is also is illegal in the state of Illinois per sec 03-03a of the pay day loan reform act which states for a company to operate as a payday lender in the state of Illinois, the company must be XXXX with Illinois department of financial regulation which this XXXX XXXX not XXXX making this loan illegal and unenforceable under Illinois XXXX XXXX this date I have paid XXXX dollars on this illegal loan
Product: Debt collection

I have no knowledge of this debt to Jefferson capital Systems in the amount of {$2900.00} which was opened on XXXX XXXX, nor do i know of the person who allegiantly opened this account are gave anyone permission to open this account. I know that this account was opened frequently and i wish to have it removed from my credit profile.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Failing to Remove Unauthorized Credit Inquiries To Whom It May Concern, I am filing a formal complaint against XXXX for failing to remove unauthorized credit inquiries from my credit report, despite my formal dispute. 

Background of the Issue : I recently reviewed my credit report and discovered multiple unauthorized credit inquiries that I do not recognize or approve. 
In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I formally disputed these inquiries with XXXX, requesting their removal since I did not authorize them. 
After investigating my dispute, XXXX failed to take the necessary steps to remove these inquiries despite my clear request. 
I then contacted XXXX by phone, but they refused to address my concerns or provide any valid explanation for keeping these inquiries on my report. 
Violation of My Consumer Rights : Experians failure to remove these unauthorized inquiries violates my rights under the Fair Credit Reporting Act ( FCRA ) : Only authorized hard inquiries should appear on my credit report. 
If an inquiry is unauthorized or disputed, it must be removed unless verified as legitimate. 
XXXX has a legal duty to ensure the accuracy of my credit report and to remove unauthorized information when notified. 
Requested Resolution : Immediate removal of all unauthorized credit inquiries from my credit report. 
A full investigation into why XXXX failed to properly remove these inquiries after my dispute. 
A written response from XXXX confirming the removal of these inquiries. 
CFPB oversight to ensure XXXX complies with FCRA regulations.
Product: Credit card or prepaid card

I applied for the Citibank AAdvantage Platinum business card. I was declined even though my credit score is over 720 and I have a perfect pay record. Citibank claims I filed for bankruptcy which is untrue, have not been able to deliver any proof of this, and I now have another inquiry with no result. 

My belief is that I was penalized due to a card owned by my Mother, and I was an authorized user. My mother died with a balance and I am now being penalized by Citibank. This is inappropriate and I need it rectified as it may trickle somehow to my current credit file and do serious damage. 

I have over $ 100K in business credit card credit, but this was for an airline I use regularly. 

I spent almost two hours and transferred to multiple people, then told, sorry, you must call another department.
Product: Credit reporting

I am filing this complaint because XXXX ExperianXXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- the are required to promptly delete all information which can not be verified that i have disputed. Please resolve this manner as soon as possible. Thanks you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was
unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

First investors recently took over loans for XXXX XXXX XXXX. I received a letter about the merger but no instructions on future payment. I made my payment on the due date to XXXX. First investors started to call me frequently as a debt collector. When I spoke to XXXX XXXX I advised him of my payment and emailed him my bank statement showing every previous payment including the one they where turning to collect as paid. This was XX/XX/XXXX. My XXXX was supposed to process the payment and call me back as soon as he was done. I continued to get collection calls so I called Mr XXXX Back on XX/XX/XXXX to which he seemed caught off gaurd and claimed to have not gotten my statements. At that point I emailed them to him again and he said he had them in hand as was going to escalate it to the proper department. I asked them to stop calling my previous employer trying to collect a debt I did not owe. I called first investors back again on XX/XX/XXXX after paying my XXXX payment to make sure it was credit correctly. At that time my account still shows delinquent. I was advised a email would be sent to the manager in the payment processed department by the name of XXXX XXXX who would be in the next day at XXXX and have all of my information. I checked my loan information today and saw the payments have not reflected on the principal in some months now and that the principal and the interest flipped backward instead of the interest going down. I called them again today XX/XX/XXXX to be told the XXXX XXXX is not in until XXXX XXXX and that the person I spoke to XXXX XXXX would email her again to let her know to contact me. I was told my XXXX payment was due even though I had already paid it and have a receipt and that I could try and call back again if I want to talk to her. I tried calling back again for XXXX XXXX only to leave a voicemail again. I have no idea what is going on with my money I am sending into them or the terms of my loan changing
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent XXXX LETTERS ON:XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXasking to verify this information that shows on my credit reportAccording to the Fair Credit Reporting Act, Section 609 (a)(1)(A),  you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.  Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof (an original Consumer Contract with my Signature on it) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.   Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.as well as unknown inquiresnot once have they verified anything even CONVERGENT OUTSOURCING SENT ME A LETTER STATING THEY WILL DELETE THE ACCOUNT BECAUSE IT DOES NOT BELONG TO ME, YET XXXX STILL REPORTS AS WELL AS OTHER ACCOUNTS THAT WERE NEVER VERIFIED
Product: Credit card

While I do have an open complaint, I am adding to the complaint. 

XXXX XXXX told me that it takes 10 days to transfer an overpayment from the credit card to my bank account. I called her twice today ( XX/XX/year> ) with no return telephone call. Previously, a different individual wanted to send me a check in XXXX billing cycles ( 60 day ). In both cases this is a fraudulent scheme for Bank of America to keep the money and earn interest on the money. If a payment can be paid from my bank account to the credit card division in 1 day, there is no reason that they can't transfer an overpayment in one day. I want interest at 6 % on the money they are holding. 

I have wasted about 3/4 of an hour dealing with the hurdles Bank of America has placed in order to hold on to the money for as long as possible. I am a XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX from the XXXX XXXX. My billing rate is {$300.00} per hour. I want Bank of America to pay me {$220.00} due to their fraudulent actions. 

Thank you. 


XXXX XXXX
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, XXXX, Experian. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$520.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$290.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$360.00} **Inquiries** XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

For several years I have asked the XXXX and XXXXXXXX XXXX  to verify the debt that is on my credit report. I have sent numerous letters and no one and send me a contract with my wet ink signature from these institutions. I have always mailed my letters to both the creditors listed above, and the big 3 credit bureaus, XXXX, XXXX and Trans Union. Mostly I called yesterday XX/XX/22 at around XXXX PST and had a lengthy discussion with XXXX in XXXX XXXX. She was not able to verify or articulate how these accounts, that I have been disputing for years, were verified. I ask her to provided me with the same instructions I have asked the creditors, to provide me with a contract with my wet signature on it and they have never produce it. 

XXXX {$15000.00} -Acct # XXXX XXXX {$4700.00} -Acct # XXXX XXXX {$5100.00} -Acct # XXXX
Product: Debt collection

XXXX XXXX XXXX has not sent any proof of payment agreement or anything signed with my wet signature. I am not aware of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH REPORTING AGENCIES IN REGARDS TO INACURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVE ANY NOTIFICATIONS IN REGARDS TO INVESTIGATION RE3SULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAYS I FILED A 30 DAYS DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET RECEIVE ANY RESPOSE
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that the information was erroneous. XXXX, Equifax and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account 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 account below : XXXX XXXX XXXX : {$19000.00}
Product: Debt collection

After the XXXX XXXX data breach along with XXXX  loss of private information, we noticed unusual activity rose from several companies including Jefferson Capital Systems. I provided the HR department with many documents proving my information was fraudulently used. This matter went ignored, I then requested that they provide me with hard core proof linking me to sed account. This company has still failed to meet my requirements.
Product: Debt collection

The company Bank of America files 2 suits against me for 2 Credit Cards that fell victim to Identity Theft. On the recent credit report it shows one of the accounts with a balance of {$0.00} and the other as being charged off. The lawyer working with Bank Of America ( XXXX XXXX. XXXX ) has provided no communication about this case after XXXX XXXX. In XXXX I received 5 forms requesting a date to appear in court. 2 of these were mailed from Texas, one was mailed in an envelope with a Judges name and address, and 2 were mailed with a XXXX XXXX Georgia address but no firm name in the return address. The first item I received was a incomplete form requesting a court date. The other 4 followed but none of them had the stamp of the clerk of the court.on them. I emailed XXXX XXXX XXXX who replied that he and the court sent them. I replied XXXX 's email that I received a total of 5 of these forms, 2 with a XXXX XXXX return in Georgia, 2 with XXXX XXXX in Texas, and one from in the envelope with the Judge 's Name and address. Mr.XXXX did not reply to my last email. 
So the other day went to the county website to check on the tax bill to find out that Bank of America and XXXX XXXX have placed 2 Liens on my home. The Judgement date on the liens is XX/XX/XXXX the same day that the tax assessment bill was processed. However, the liens were not recorded until XX/XX/XXXX ; about 2 weeks ago. 
I have received no word from XXXX XXXX since the email of XX/XX/XXXX. 
And the liens now have had the attorney 's fees added to the total amount.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had two late payments on an account that I was never late for consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that needs to be removed in my file : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$8100.00}
Product: Mortgage

I am trying to fix a situation with Wells Fargo : In XXXX they sold me a predatory interest only loan. In XXXX it was modified. In XXXX the payment will triple. Here is my recent letter : Let me speak with underwriting I have both a current XXXX  XXXX XXXX XXXX License & XXXX   license. ( I am contacting you as an individual ) Current county assessment market value of property in question is $ XXXX. By next year expect with the CV19 based wave of foreclosures that will drop. Add in the costs of foreclosing, refurbishing, bringing to a down market and time vacant with nothing coming in, and WF will be lucky to recoup $ XXXX. Meantime another XXXX American familys blood on your hands. 

Its corrupt, discriminatory, abusive & absurdly hypocritical that : Youd rather do the above then recast this loan to $ XXXX after taking exorbitant bail out money XXXX and writing off/charging off subordinate loan multiple times. 

That despite current 15 year payment history you say I dont qualify for the lowest rates in history, but expect me to pay twice the current interest rate with a triple payment in XXXX even though I am current with fico XXXX and sufficient income of $ XXXXmonth. 

I cant help that my parents were hippies and named me after a foreign entity. I am XXXX XXXX. What you are doing is discriminatory, predatory, unethical and immoral. 

You should have the higher ups above underwriting immediately : Strip/forgive/settle the 2nd lien on the note you wrote/charged off multiple times and receive XXXX bail out money for, forgive $ XXXX off of the 1st note, ( if not forgive then piggyback ), and recast the remaining $ XXXX $ XXXX into a 2.75 % 30 year fixed. 

I have 700+ credit, sufficient income, 15 yr immaculate payment history. 

I am sure there are plenty of lawyers who would agree with me. 

Please do the right thing here and adopt the above. 

I will get a pay increase soon, this is totally doable. 

God Bless America.
Product: Credit card or prepaid card

This company Total Card keep charging me monthly fees when the account closed and i am in the debt consoldiation program. they didnt closed the account when i call to closed it they wait until account got so delinquient to closed the account. and the account is in the debt management program. XXXX XXXX XXXX XXXX take off money every month pay the creditor I been in the program since XX/XX/2018 my program made every month XXXX payment total card agreed from the proposal. and they still charging me a monthly I call them numerous times to age the account and reverse the fees they have refuses. they say I am late I am not am current on my account throught the debt program. They accept the proposal which means no fees at all.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX XXXX Nothing is showing and I cant get another car. 

Rally Motor Credit Account XXXX XXXX XXXX Specialized Account Manager XXXX XXXX XXXX , XXXX. 
A Larry H. Miller Company [ T ] XXXX [ F ] XXXX XXXX I hope you can help me. 
If need anymore info Please let me know.