23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached the peak of my peatiece bedacuse of the credit Bureaus inability to verify the information being reported on my Credit report. I started disputing the accounts from my Credit report which I believe to be reporting erroneous information on XX/XX/2022 and the the most recent letter I sent was dated XX/XX/2022 with complete attachments of my personal identifying documents. I have been requesting the Credit Bureaus to correct the information they present on my Credit File and yet they have done nothing! The Credit Bureaus are required to verify for themselves. They have continued reporting the disputed account claiming to be reporting accurate and verified information. I do not agree with their findings and demanded documents as proofs of verification which they have faield to provide. The following accounts which I believe to be reporting erroneous information must be corrected under the provisions of the Fair Credit Reporting Act : 1. DPT EDXXXX XXXX Balance Owed : {$2300.00} 2. DPT ED/XXXX XXXX Balance Owed : {$10000.00} 3. DPT EDXXXX XXXX Balance Owed : {$5500.00} 4. DPT EDXXXX XXXX Balance Owed : {$3200.00} 5. DPT EDXXXX XXXX Balance Owed : {$5500.00} 6. DPT EDXXXX XXXX Balance Owed : {$10000.00} 7. DPT EDXXXX XXXX Balance Owed : {$4700.00} 8. DPT EDXXXX XXXX Balance Owed : {$4600.00} 9. DPT EDXXXX XXXX Balance Owed : {$10000.00} 10. DPT ED/XXXX XXXX Balance Owed : {$1700.00} 11. DPT EDXXXX XXXX Balance Owed : {$4900.00} 12. DPT EDXXXX XXXX Balance Owed : {$5700.00}
Product: Credit reporting or other personal consumer reports

THIRD PARTY- EXPERIAN XXXX XXXX XXXX XXXX XXXX IMPOSTER : XXXX XXXX XXXX  is breaking the consumer law pertaining to : XXXX XXXX XXXX ACCT XXXX I've uploaded documents I need this corrected immediately and this is a violation I've lost XXXX  of dollars and XXXX XXXX if this isnt resolved I will have no choice but to move forward with litigation. XXXX XXXX XXXX CARD HOLDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX XXXX XXXX account just showed up on my credit report and does not belong to me. I have included the fraud report as well. Please remove this asap. 

XXXXXXXX XXXX XXXX XXXX XXXX  Report Date : XX/XX/XXXX Account Number XXXX XXXX Date Opened XX/XX/XXXXXXXX XXXX
Product: Mortgage

Loan # XXXXI purchased property approx on 2007 with a pick pay payment finance by XXXX as my primary lender then ; loan was sold to Wellsfargo. Since then I have been trying to requested Wellsfargo to help me modified my loan due payment increment constantly. I hired an attorney to help me with modification process and it still pending ; nothing happened yet. i had been trying for the last XXXX times and lender refused to help. Also was forced to filed ChapterXXXX Bankruptcy to save my home and nothing happened. Lender refused to help me or place me on a better affordable payments and instead my monthly payment increment more and more. It makes very difficult for me to keep my property. I have been cooperating with lender since then but lender is putting me on the spot to loose my property.. I need your help since I do not know what else to do anymore ; I feel that this is a case of a predator lender overcharging me more that even property is worth or I can afford. I have been trying very hard to make payment but Wellsfargo is refusing to help me. If is anything you can do to help me i will appreciate much! I need to keep my house or a lease requested the lender to place me on a affordable modification program.. i am afraid of losing my property that I have been working so hard to keep it. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I wrote to First National Collection Bureau Inc and XXXX XXXX XXXX requesting validation and an investigation into a account that does not belong to me and that has not been verified and is being reported intentionally and unlawfully without being in compliance with the FDCPA or FCRA. I requested validation that this account is being reported accurately and copies of proof. I have not received any such proof to date. 1. I requested validation of the debt- that is, actual accounting 2. Verification of their claim against me 3. A copy of the Original contract binding both parties ( Creditor and I ) in a letter by " certified mail '' so that there is a independent " witness to it having been delivered '' I received no response at all within the 30 day timeframe. And XXXX still is reporting a non compliant account. Instead of verifying the account within compliance I received a email stating my account has been sold to XXXX XXXX XXXX ( a copy of email included ) XXXX XXXX XXXX mails out a printout of a statement which IN FACT DOES NOT CONSTITUTE validation of this debt. Yet, XXXX is still reporting the noncompliant, unverified, incomplete account. I requested the METHOD OF VERIFICATION they did not comply. 
PLEASE NOTE on XX/XX/XXXX CFPB releases its FDCPA Annual Report stating the following one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after the consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where " debt collectors forwarded consumer debt validation request to irrelevant clients, who mailed responses directly to consumers. Section 809 ( b ) of the FDCPA. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout ( copy included ) of a bill or itemized document does NOT constitute verification. 

A copy of the Method of verification used was requested also. Including the names, address and numbers of all who were involved in verifying this account without proof.So that can inquire about the procedure used to verify. I received no response as well XXXX is in violation of : sections 623. [ 15 U.S.C. 1681s-2 ] Responsibilities of Furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information.- ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors.- ( B ) Reporting Information after Notice and confirmation of errors.- ( 2 ) Duty to Correct or Update Information ( 3 ) Duty to provide notice of dispute 813 [ 15 U.S.C. 1692k ] Civil liability 805. [ 15 U.S.C. 1692c ] section 623 ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE 809. [ 15 U.S.C. 1692g ] Validation of debts 812. [ 15.U.S.C. 1692j ] Furnishing certain deceptive forms SECTION 604 15 U.S. CODE 1681 ( B ) SECTION 605 ( A ) 15 U.S. CODE 1681 C-1 SECTION 605 B 15 U.S. CODE 1681 C-2
Product: Payday loan, title loan, or personal loan

We are trying to refinance with XXXX. We have been waiting to reserve a subordination release from TD bank for 6 weeks now. XXXX is not able to get TD bank to send the release letter to them so we can close this refinance. 
The only part is from TD. You can not talk with the subordination department at all. 
They will not return a phone call back to XXXX or an email to them or ourselves. 
All we are trying to do is refinance, we have a credit line with TD using our home as collateral for {$13000.00}. We are refinancing with XXXX for {$270000.00}. 
Please give us some sort of advance. 

We started this refinancing with XXXX, last XXXX. At this point I don't want to stop and start again. I just want TD Bank to send the subordination letter. 

Thank you, XXXX & XXXX XXXX
Product: Debt collection

The Aspect apartments ( Now known has the XXXX XXXX ) had a major pest infestation throughout the whole building during our stay. 

Our contract states that they were responsible for handeling pests and I sent many requests to the office to handle the issue to no avail. 

Even after multiple complaints and emails ; the issue was never tended to. 
Instead they issued a 7 day violation letter ( XX/XX/year> ) nearing the end of our lease stating that I was the cause of the infenstation and were in violation of our agreement. This was upsetting. 

There is a clause in the leasing agreement that states if they fail to hold up on their end on handeling pest infestations we were allowed to break our lease ; information detailed in our contract. We seemed to be in agreement and left the premises. 

The company is wrongfully accusing me of debt owed. I have documents, videos of the infestation and emails to back my claim up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of 2017. and the Alaska XXXX fund dividend data breach that happened on XX/XX/XXXX because both XXXX and the Alaska XXXX fund dividend failed to keep my info safe my identity was stolon. 
the following accounts on my credit report are not mine XXXX XXXX XXXX account number # XXXX {$8800.00} XXXX XXXX XXXX acct # XXXX {$4000.00} XXXXXXXX XXXX  Acct # XXXX {$870.00} XXXX Acct # XXXX {$510.00} XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX {$3900.00XXXX XXXX XXXXXXXX XXXX Acct # XXXX {$8200.00} XXXX XXXX Acct # XXXX {$860.00} XXXX Acct # XXXX {$6200.00} XXXX Acct # XXXX {$1400.00} XXXX XXXX XXXX Acct XXXX XXXX {$2600.00} XXXX Acct XXXX XXXX XXXX Acct # XXXX {$2000.00} XXXX XXXX XXXX # XXXXXXXX {$20.00} XXXXXXXX XXXX  acct # XXXXXXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX {$2000.00} XXXX FEDERAL XXXX XXXX acct # XXXX credit inquiry that are not mine XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have filed a police report and ftc report as well
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called Equifax Credit Bureau regarding an item on my credit report being removed. The customer service rep told me that the account in question, a XXXX XXXX loan from the year XXXX, was closed and would fall off my credit report XX/XX/XXXX. I called again on XX/XX/XXXX as the item was still on my credit, I was told the XXXX account was still open and would not fall off, this despite the fact I was on the Equifax website and could see the account listed as closed. I asked to speak to a supervisor, I was on hold for 32 minutes and then I was disconnected. I called back on XX/XX/XXXX, spent 50 minutes re-explaining the situation and having the rep re-investigate my concern. He confirmed the account was closed but couldnt explain why it wasnt removed. I asked to speak to a supervisor, one wasnt available and he told me a supervisor would call me back within 15 minutes, they never called. I called again on XX/XX/XXXX spent 45 minutes explaining again, rep confirmed the same information as the last one. He asked if I wanted him to file a dispute with XXXX I had already told him that Ive been disputing this for the past seven years with no luck it was as if this rep had not really been listening to my concern. I told him that per the Fair Credit Act if a creditor lists an account as closed, it shows on the credit reporting bureaus as closed and it has been on the account for seven years it should be removed BY THE CREDIT REPORTING bureau. I also informed him the other two bureaus have already removed the item from my credit without me having to call and waste endless hours on the phone with them, I asked to speak to a supervisor and was disconnected.
Product: Credit card or prepaid card

I closed the account but capital one had told XXXX is that the account was closed by creditor. However, all the other credit bureaus show accurate information that I closed the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX i have disputed these items on my credit report going on for 6 months no. I have contacted the credit and TransUnion about these fraud accounts XXXX XXXX account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX US Bankruptcy Court of XXXX Docket # XXXX
Product: Credit reporting or other personal consumer reports

15 USC 6802 Obligations with respect to Disclosures of personal information I did not give written consent or instructions to share my personal information to a third-party. 

15 USC 6802b Opt Out states a financial institution may not disclose non public personal information to a nonaffiliated third party unless, such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or the other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. 
The consumer is giving the opportunity, before the time that such information is initially disclosed to direct that such information not be disclosed to such third party. 
The Consumer is giving an explanation of how the Consumer can exercise that nondisclosure option. 
Along with the ( GLBA ) Gramm-Leach-Bliley Act Governs the treatment of nonpublic personal information about Consumers by financial institutions and refraining from disclosing account numbers or similar forms of access codes to any nonaffiliated third-party. 
I choose to opt out from having any information from XXXX XXXX XXXX to share my personal information, as a result I respectfully asked that you remove XXXX XXXX XXXX from my credit report.
Product: Student loan

In XX/XX/2008 I took out a student loan with XXXX XXXX. I defaulted on the loan. Now the contract has been breached because it has changed companies. Navient has the contract and they are using another collection company to get me to pay.The company is XXXX XXXX XXXX XXXX. The amount owed is $ XXXX account is over XXXX years and needs to be deleted from my credit reports.
Product: Debt collection

This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in 2 years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.
Product: Debt collection

Subject : Request to Remove Collection Agency Reporting Due to Erroneous Charges Dear Sir I am reaching out to dispute the collection report associated with my rental contract at XXXX XXXX and request its removal from my credit record. 
First, I have not received any prior notification from the rental company or the agency the debt. 
First, I did not receive any letter from the collection agency or the rental company about the collection. The amount of the debt is not correct. 
Before, I vacate the place, I offered them to leave a cheque with my roommate for the correct amount I think they owe me, but they ignored and did not respond. 

Background Lease Agreement Details : I signed my lease with XXXX Apartments on XX/XX/XXXX. My monthly rent was {$600.00}, plus a {$10.00} water consumption fee. At signing, I also paid a deposit of {$1100.00} and the first months rent, rent for XXXX as shown in my bank statement below. 
Payment History : Since the start of my lease, I have maintained automatic payments through my bank. My bank records show no lapses, insufficient funds, or late payments. I provided below bank statements from XX/XX/XXXX to XX/XX/XXXX to demonstrate this. 
XXXX XXXX and XXXX XXXX : Rent : $ XXXX Water : $ XXXX Initial Deposit : {$1100.00} XXXX first rent at lease signing ( XX/XX/XXXX ). 
Dispute Details : XXXX in XXXX : Around XXXX or XX/XX/XXXX, the propertys management company changed. Since then, I began receiving incorrect information regarding alleged late payments and was notified about a water fee increase from {$10.00} to {$20.00}, which was not part of my original contract. 
Payment Discrepancies : The new management requested cash or cheque payments. I complied, and my final cheque was submitted on time. I retain copies of this cheque as proof.

Property Vacated and Key Returned : I vacated the apartment on XX/XX/XXXX, leaving the key with my roommate, who promptly returned it to management. 
Request for Documentation : To resolve this dispute, please ask XXXX Apartments to provide the signed lease agreement from XX/XX/XXXX, for verification. I also have all communications with the property management via email, confirming my compliance with lease terms, timely payments, and communications up to my move-out date. I am willing to provide these documents upon request. 
Given this documented evidence, I am requesting the removal of the collection account, as the charges appear erroneous. 
Thank you for your assistance in resolving this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is known as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. 

On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. 2:19-CV-00713-DAK-DO vs. Zurixx LLC and the case is still pending resolution. 

XXXX XXXX assisted and enticed me to open this account and told me to transfer their " Educational Services '' balance to this credit card from another credit card they assisted me in obtaining. Those services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with XXXX with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score and my government security clearance.
Product: Vehicle loan or lease

In XXXX of 2021 I bought the car I had been leasing and obtained a loan from Chase. I submitted my paperwork, notarized, and have been making monthly payments on time every month since. 

In XXXX, I realized I did not have a title issued to me. I contacted Chase to find out what was happening and I was told I would have the title issued to me by the XXXX of XXXX. 

That date came and went. I have been in touch with the company weekly by phone and three times via their website to try to resolve the issue. I have received no timeline for the issuing of this document, nor any updates about what is happening that is taking so long. I have been issued verbal and email statement declaring me a valued customer, but the steps that have been laid out to me by the customer service representatives have not been followed through on in any way. It has been 7 months. 

At the beginning of the summer I had an offer to buy the car for {$4000.00} more than what I owed on it. I have XXXX children in college and another in high school and I was counting on this money to help pay bills. Instead, I remain title-less and unable to exercise my right to sell the vehicle. 

I would appreciate your assistance in motivating the company to produce the document required, and/or to begin the process again by completely re-doing the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to adjust or remove this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior XXXX XXXX and I'm including it again. Please correct or delete these accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX is collection on behalf of XXXX XXXX. I do not disagree that the debt is likely valid and I will settle via XXXX. 

This company is spoofing its outgoing phone numbers to appear to be different phone numbers in WI. EX : XXXX called me at XXXX on XX/XX/XXXX. The actual phone number for this company is XXXX. 

In addition, when called on XX/XX/XXXX by this company I answered this WI phone number. They asked me to verify my information, even though they had called me via a dialer. I asked if this was an attempt to collect a debt because via my FDCPA rights they are required to tell me this is an attempt to collect a debt regardless of who is on the phone. They refused to tell me what company was calling or why, including the supervisor I was transferred to despite my protections under FDCPA. 

In addition, when I finally called back and verified, they did not tell me that I could dispute the debt or that I could request the name and address of the original creditor, which is part of my protection under the law. They gave the disclaimer, said they were collecting from XXXX a $ 100ish amount. And asked how I would like to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

all 3 XXXX XXXX and XXXX delayed by months to update score causing my score to be under there not reporting accurately or timely. XXXX score not updating causing a financial hardship in my financial status please help in this situation thanks Also a car that was paid in Full in XX/XX/2020 is coming up as a charge off by Westlake financial i called and they will not remove they say its accurate charge off is incomplete collections vehicle was paid in full. During Covid 2 Companies went out of business closing XXXX  XXXX closing there credit cards although paid in full causing it to reflect on my credit even through hardship paid. I was not at fault they dissolve company it should not reflect on me XXXX XXXX not allowing any late pays or hardships to be over looked charged everything i paid and reported negative on my score XXXX XXXX offering credit card upgrade not explain its a new card and hit in there store on line.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  this is not my account please delete XXXX XXXX is not my account please delete