23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved into the apartments XXXX XXXX, located in XXXX, GA 2020 XX/XX/2020. Upon my walk through which did not take place until after my lease was signed, I noticed many things wrong with my apartment in the days/ weeks to come. In addition to but not including, there not being any running hot water in the master bathroom, many insects and small rodents, a noted coyote problem which was I was not advised of before moving in ( which is against the law ), wooden planks with nails sticking out ( violation of building and health laws ), due to all of the issues listed with some excluding, I eventually moved out. Before moving out, I did advise the rent office many times of the issues, the issue was escalated to the property manager and I was told that I would just need to provide them with a notice to vacate and that would be it. All women in that office are miserable, unprofessional, hateful, petty and honestly cause such shame to not only themselves but women in professional places in general. 

The cheap issues were fixed, the issues that cost money were not, and I served them with an intent to sue XX/XX/2020. After that notice was sent, the defamation of character slander began ( listed in the lawsuit as well ). The rent office, corporate and the property manager stopped answering calls and emails. Maintenance stopped fixing what they said they would fix in the beginning and served me with another statement that was over 4 times the amount of the first statement they sent.

That is nothing short of retaliation. They added on additional fees, out of pure spite and hatefulness. I asked for proof of the mess I left behind that resulted in the addition fees and I was told the company had no proof since it had been more than six months.

I asked why I received two different statements for two different amounts, one before being sued which is the accurate statement and the other which is false, after the lawsuit was served. 

You can not just add additional fees and charges to a statement and not have additional proof to back those allegations up. 
I have asked for a thorough investigation from all credit reporting agencies, the credit collection company and the third party law firm that is actually handling the collection. XXXX XXXX XXXX is listed on my credit report as the debt collector but it is actually being handled by a law firm. 

The first statement that was sent to me is the correct statement, the second one was sent out of retaliation which is again, another law this company has broken ( XXXX  XXXX ). I need a real investigation based off the dates included, the details of the lawsuit and the fact that no proof has been provided in over a year.
Product: Credit reporting or other personal consumer reports

I have recently obtained copies of my personal consumer credit report ( s ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( s ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( s ) following its earlier removal from reporting, without issuing the requisite 5-day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting credit reporting agency ( ies ) /repository ( ies ) directly to me, the injured consumer, within five ( 5 ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( s ). 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.
Product: Mortgage

In XX/XX/2019, my mortgage account was acquired by XXXX XXXX from XXXX XXXX Beginning in XX/XX/2019 I began submitting loan payments to Southwest Stage Funding LLC ( dba XXXX XXXX ) under former XXXX XXXX number XXXX. In late XX/XX/2019, I submitted my XX/XX/XXXX payment as regularly scheduled. On XX/XX/2019, I submitted early XX/XX/XXXX payment. On or about XX/XX/XXXX, I received a mailed notice of late payments from XXXX while almost simultaneously receiving notice via email that my credit score had  changed. When I checked, XXXX had turned in late payment information that had been received by XXXX and XXXX, and my credit score that was +800 points had been reduced by 69 points. I called XXXX customer service at XXXX and was told that because of the difference in computer systems for loans from XXXX, and since it was during the time frame when my adjustable mortgage would see any adjustment in interest rates, along with the payment adjustment, my payments had been placed in " unapplied '' status, and unfortunately their automated reporting system had sent out erroneous late statements. I was told I should dispute the late payment reporting through the credit bureaus, which I did. Those are unresolved to date. However, I called back to customer service on or about XX/XX/XXXX to confirm that the problem had been resolved, but it hadn't. I was told that they were working on getting all of the problems resolved and that my loan would be resolved by COB and I received a call at approximately XXXX on XX/XX/XXXX that they had indeed resolved the issue and my payments had been appropriately applied. Then sometime between XXXX XXXX I received my XXXX monthly statement that reflected the adjustment to my payment, which I DO NOT dispute. What I dispute is that they tacked on " Unpaid Late Charge '' to my statement, which after calling customer service on or about XX/XX/2019 at XXXX, told me that my disputing the late charge would have to be escalated to a manager, and within seconds I was disconnected. No matter how large or small, I do not owe any " Unpaid Late Charge '' because they failed to properly credit my on time payments to my account when received.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the inaccurate and inconsistent reporting by XXXX XXXX Account Number : XXXX to the credit bureaus, specifically Equifax and XXXX. Despite my diligent efforts to rectify this matter, I have received no resolution. 

On two separate occasions, I have disputed the erroneous information with XXXX XXXX Providing Evidence of the inaccuracies. Regrettably, these disputes have yielded no results, leaving me frustrated and increasingly concerned about the impact on my creditworthiness. 

In addiction to disputing the reported information, I have repeatedly requested the original contract with the original creditor from XXXX XXXX  and that demand still stands. As a consumer, I am entitled to verification of debts under the Fair Credit Reporting Act ( FCRA ). However, my requests for this essential documentation have been ignored or denied by XXXX XXXX and the Credit Bureaus. 

Given the gravity of this situation and the failure to provide accurate information and documentation, I am left with no choice but to demand a escalation for this matter for a thorough investigation. I expect that the investigative body will provide the necessary proof and results I am demanding, in accordance with the FCRA and other applicable consumer protection laws. Failure to provide me with proof should result in removal of this account from my credit report. 

I urge XXXX XXXX to take immediate action to address these issues and to cooperate fully with the investigative process. Failure to do so will leave me with no option but to pursue further legal remedies to protect my rights as a consumer. 

Please provide a response to this matter on XXXX only within 30 days, confirming receipt and outlining the steps XXXX XXXX will take to resolve this matter. Additionally, I request that all future communication regarding this issue be conducted on XXXX for clarity and documentation purposes. 

I also would like the investigation to correct any and all inaccuracies that have been reported on my consumer report WITHOUT proof. 

Accuracy of information ( 1681e ) ; Debt collectors must ensure the accuracy of the information they report to credit bureaus. This sections REQUIRES them to have reasonable procedures in place to ensure the ACCURACY of the information they furnish to consumer reporting agencies.

Investigation of Disputed Information ( 1681i ) : If a consumer disputes the accuracy of information on their credit report, debt collectors are required to conduct a reasonable investigation into the matter. They must correct, delete, or verify the accuracy of the disputed information with a reasonable period.

Disclosure of Information to Consumers ( 1681g ) ; Debt collectors must PROVIDE consumers with certain disclosures, including the right to obtain a copy of their credit report and the right to dispute inaccurate information. They must also inform consumers if adverse actions are taken based on information in their credit report. 

Thank you for your prompt attention to this matter.
Product: Debt collection

on XX/XX/2018 i received a credit report from XXXX XXXX XXXX that list debt i dint have knowledge of. So on XX/XX/18 i sent a dispute letter by certified mail to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX. The address that was on my credit report. I have not received a response. on XX/XX/18 i sent a follow up letter requesting debit validation to the address above i still have not received a response. on XX/XX/2018 i sent a dispute letter to XXXX asking for validation of debit, in XX/XX/2018 XXXX   responded validating the debit. i am not sure how this was correct because this debit IS NOT MINE.i have never done business or had service with this company before. this company is in violation of the FDCPA act and my consumer rights.
Product: Credit reporting or other personal consumer reports

My account with XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

Zelle did not find better way to secure money sent. In case of accidentally sending to the wrong person. Money would be lost and can't get it back.
Product: Debt collection

In XX/XX/XXXX, National Recovery, a debt collector on behalf of XXXX XXXX, reported to all three credit bureaus that I was in default on a debt of {$240.00}. This is not true. 

I contacted National Recovery and informed them I never lived at the address in question. I provided proof. They stated they would investigate and I should submit a dispute to the bureaus. 

I submitted the dispute XX/XX/XXXX. At the end of XX/XX/XXXX National Recovery had removed their listing from XXXX  and XXXX  yet they continued to report on XXXX. 

I sent them a 93A Demand notice via certified mail informing them of their attempts to collect a debt not owed and illegal reporting on XXXX. They refused to reply or remove the account. 

I sent them a second 93A Demand notice via certified mail XX/XX/XXXX. They again refused to reply or remove the listing from XXXX. 

I sent in two other disputes to XXXX  informing them the account is not mine. National Recovery replied to XXXX  informing them the debt was " Valid ''.

I did not live at this address during the time of the utility default. I do not owe on this account. National Recovery is attempting to collect on a fraudulent account for a debt not owed.
Product: Credit card or prepaid card

I applied for a Citi American Airlines AAdvantage Platinum Select World Elite Mastercard on XX/XX/XXXX and was approved the same day. When I applied, the terms and conditions on the XXXX website stated that I was not eligible to receive a new sign up bonus if I had received one within the past 24 months. The last time I received a sign up bonus was in XX/XX/XXXX. The credit card promotion stated that I would receive XXXX American Airlines miles after spending a minimum of {$2500.00} within 3 months. The promotional material I received with the physical card that was mailed to me stated that I would receive XXXX. I spent over {$3300.00} within the first two months and did not receive XXXX. I called Citi customer service on XX/XX/XXXX and explained the problem and they stated that I should have received the bonus but that they needed a supervisor to investigate why I had not received the bonus. They flagged it for review and told me I would receive another call within 2 days. After receiving no call, I called back and spoke to another agent. After investigation, the agent advised me that I was not eligible for the bonus because I had received a bonus within the past 48 months. She advised me to " XXXX '' the new terms and conditions that had since come in to place. I was able to follow her instructions to the Citi website and saw that Citi had changed the terms and conditions after my application was approved. I asked that they manually credit me the XXXX miles since I applied prior to the change and they stated they would not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$690.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXXXX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute errors on my credit report. I am unable to log into my online account to dispute the errors. I called TransUnion and they can't and won't verify over the phone because my employer listed is wrong as well as other information so I am basically verbally unverifiable and have to be done manually but no one is doing anything manually or electronic and I have written them letters -about 5 or 6 already about the wrong names and wrong addresses and collections and inquiries without any results. They just continue sending me credit reports and that is not what they should be doing. They should be investigating the issues that I have written to them about.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I've been trying obtain a copy of my TransUnion SmartMove report. Online, the website directs people to call in to obtain the report, but when you call you are told you have to email a copy of a photo ID to a blind-box email, meaning the information will be available for potential identity theft. After being on the phone with them for more than 20 minutes, they offered that I could Fax or email a supervisor directly. But it shouldn't take a 20 minute call to figure out a safe way to obtain my publicly available report to which I am entitled under the law.

They offer no secure website by which to submit the information, or any other way to verify my identity that doesn't involve sharing confidential information via email or fax. That's crazy.
Product: Consumer Loan

I had no knowledge of this account. I tried to dispute this account before and no changes were made.
Product: Debt collection

Received calls from a XXXX XXXX from Convergent from XXXX on my private work phone stating I owed a debt, but didn't elaborate from where. 

I believe it is XXXX, because I switched services but they didn't cancel my plan right away when I transferred my number and plan to another company, and state I owe a half month service, which I do not and have contested. 

I have been contacted by this company twice before and told them I didn't owe anything and not to call me, especially not during my work hours.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Appeal to Response on a closed complaint : XXXX Hello, I have read the response and I understand the Homeowners Protection Act ( PMI Cancellation Act ) 1998. Simply put " once the homeowner has 5 years and 78 % equity it should be satisfied. The other issue is having no late payments for 12 months. I bought home in XXXX of XXXX. I did have some difficulties paying on time due to a judgement that was awarded against me and they garnished wages and I was paying child support at the time. I had to stop the bleeding and file bankruptcy in XXXX. Under the homestead protection law my lender Chase was very good to me and modified my loan. Things were fine and I was doing well no more child support paying my mortgage on time. The 5 years ended in XXXX but since I had a modification I understand I needed to have 12 months of current payments. Now this was in XXXX or XXXX. I had 78 % equity and the 5 years of pmi and 12 months paying on time. Five and a half years later the PMI stopped only because I brought it up to their attention or I would still be paying it. I got into trouble again in XXXX but that should not matter I met and satisfied the PMI Act in XXXX for sure. Again, I want my refund due to me. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

Paragon Revenue Group dba Jon Barry and Associates Inc., is demanding {$640.00} from me with the intentions of damaging my credit files if not received in their version of a timely manner. Paragon Revenue Group are debt collectors demanding a debt on behalf of XXXX XXXX XXXX XXXX XXXX I have not received goods or services from Paragon Revenue Group. 

XXXX XXXX XXXX XXXX violated my HIPPA rights releasing my private medical information to Paragon Revenue Group XXXX Please be advised no consent to treat documents bare the name Paragon Revenue Group as Paragon Revenue Group is not a medical facility with active medical degrees allowed to collect funds from their alleged patients. 
A permissible purpose was not granted to Paragon Revenue Group. I am not a party to any agreements Paragon Revenue Group may or may not have with XXXX XXXX XXXX XXXX  I am not responsible for Paragon Revenue Groups purchase / transfer from XXXX XXXX XXXX XXXX XXXX have not agreed to pay/tender anything to Paragon Revenue Group. 

On XX/XX/2022 at XXXX I contacted XXXX XXXX XXXX XXXX on a recorded line in efforts to clear this matter with the original creditor. According to XXXX XXXX Customer service for XXXX XXXX XXXX XXXX  the alleged debt was sold to Paragon Revenue Group XXXX XXXX stated there was no payment due to XXXX XXXX XXXX 

Paragon Revenue Group provide the original purchase receipt, tax filings, name and number of the authorized representative that released my detailed private medical information to Paragon Revenue Group. 

My credit files are not to be reported to or damaged in regards to this matter Paragon Revenue Group., are not Holders In Due Course with contractual agreements to support goods or services provided to me. 

All calls are recorded for my safety. Please Cease and Desist. 

See attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXXXXXX, DOE XXXX XXXX, DPT EDXXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX, and US DEPT ED XXXX have violated my rights XXXX 

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.