23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Claim # XXXX We filed the below complaint back in XXXX. This was the company 's response : " We have forwarded this complaint to our client for reinvestigation. Unless and until our client responds to the query, we will order the item deleted from the credit bureaus. '' So far we have heard nothing! This is still on all XXXX credit bureaus and its preventing us from attaining a mortgage. We need this off our report, please. 

Here is my original complaint : We lived at the Mansions at XXXX XXXX. Our lease was up XX/XX/2021. We told the leasing agency that we were unsure if we were going to resign our lease as we had orders to move to XXXX however, we weren't sure if the orders were going to come through. This was in XXXX, XXXX. The management office threatened us with increased rent and fees if we did not give them exactly XXXX  days to resign the lease for XXXX more months even though we weren't sure if we were going to stay or go. We were bullied into signing the lease for another year. BEFORE our ORIGINAL lease was up we got orders to move to XXXX, Washington and we told the leasing agency that we were in fact going to move out and to please cancel the new lease before it took effect. 

The manager, as well as the assistant manager, said that it was not going to be a problem and that they would work with us. All keys were turned in on XX/XX/2021, ( 14 days before the lease was up ). The apartment was cleaned and looked brand new. We have pictures. A month later the leasing agency sent us a letter stating that we owed for cleaning and for XXXX 's rent. I was perplexed because they had already rented out the new apartment. I spoke to the manager and she said that the management company required us to pay XXXX 's rent even though new tenants had already signed a new lease and had already moved into the unit. The manager expressed that even though we didn't start the new lease, we still owed for XXXX. 

This was news to me. I don't believe we should have to pay for XXXX 's rent and the cleaning fee. We vacated the apartment when our original lease was up. If the apartment had any regular wear and tear, the month of XXXX would have been the time for Maintenace to go in and fix it, giving the new tenants a fresh new place to dwell. We do not owe for XXXX 's rent. Please help us with us. 

XXXX
Product: Credit reporting or other personal consumer reports

CREDIT BUREAU : EXPERIAN FRAUDULENT ACCOUNTS THAT ARE REPORTING ON CONSUMER REPORT : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. ACCOUNTS DO NOT BEAR A WET INK SIGNATURE. 

EXPERIAN IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES REPORTED WAS FRAUD.COMPANY HAD 4 DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING EXPERIAN TO PROVIDE THE DOCUMENTATION USED TO DETERMINE INQUIRY AND OR ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER. EXPERIAN HAS 15 DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( S ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. CONSUMER IS NOT ASKING FOR E-OSCAR REPORT. BOTH XXXX XXXX AND XXXX HAVE REMOVED ALL FRAUDULENT ACCOUNTS FROM CONSUMER REPORT. IF EXPERIAN DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. EXPERIAN FILE NUMBER XXXX. EXPERIAN IS DOING BUSINESS AS ANOTHER NAME WHICH IS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. Registration Rights Agreement. XXXX XXXX entered into a registration rights agreement with Experian Information Solutions , Inc. Experian is a member of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ), which in turn is a stockholder of XXXX XXXX XXXX , the XXXX XXXX subsidiary that owns the shares of. I WILL BE FILING FORM 211 TREASURY OMB FORMS TO AUDIT CONSUMERS ACCOUNT. EXPERIAN IS SECURITIZING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. This is a complaint against all 3 credit bureaus. For the month of XXXX, I received XXXX XXXX scores XXXX, Trans-XXXX, XXXX. For XXXX, these scores have dropped to XXXX, Trans-XXXX and XXXX. My mortgage scores went from XXXX XXXX, Tran- XXXX and XXXX- XXXX. With my mortgage scores alone, you can see that at least 2 dropped by 72 points and the other near a 100 points. I checked to see the reason behind this and 1 payment was reported 30 days past due for 1 account which Im in the process of disputing as inaccurate. There are balance increases on some accounts but nothing that shouldve dropped my score this far below average in the manner that it was dropped. I have reached out to the credit bureaus complaining about the conflicting data that makes no sense to consumers. XXXX will specifically report whats helping my score as excellent payment history and right underneath will put the exact same thing as whats hurting my score. I worked very hard to get my scores up to nearly a 700 only to watch them drop in a 30 days time so drastically and while I understand it can drop heavily for a late payment, once that remark is removed and it will be as its incorrect, am I going to gain back to points I lost and most likely not. Payment history accounts for 35 % of your score and it seems the bureaus are more focused and still heavily penalize for details on the report that are well over 5 years old but are telling consumers they dont do this. They are specifically stating that you are not impacted as much for accounts that old. The credit bureaus need to be heavily looked into and evaluated on scoring habits and the reasons they use for why they score they way they do as it is seriously starting to look like a system that is meaning to purposely keep a certain class of people from obtaining mortgages etc. And I say this because I was paying to receive my mortgage scores every 3 months and just last month I paid more to receive them once a month instead as Im prepping for buying a house and oddly my scores dropped so heavily, you would think I filed a bankruptcy. Something is definitely not right and its not adding up. I would greatly appreciate someone investigating all 3 major credit bureaus and their habits. I have copies of my constant fluctuating scores. Even when Im hardly using my credit cards, Im dinged. I have even been dinged for paying balances down which I will never understand that one and when I spoke to the bureaus about it, their response was it will go down first and then come back up. So we as consumers lose points that we wouldve otherwise had because the score is not raised by as many points as they take away obviously. The credit bureaus need to be heavily looked into and evaluated and I hope this can happen. Thank you for your time.
Product: Debt collection

Number one the balance on my credit report says {$460.00}. Now GLA is saying its {$500.00}. Whats the truth? GLA bought this in ignorance not knowing the full situation. This was 100 % human error by someone in the billing department. As I stated before the insurance company said I am not responsible for payment. Secondly and once again, I will mention this charge on my credit report is unlawful. GLA is responsible for taking this off my credit report, Beginning 2023, CFPB states by law Only unpaid medical collections with a starting balance of {$500.00} or higher will show up on your credit reports. This bill is a result of human error. I am asking for it to be removed from all credit reports. I sent a cease and desist letter to G.L.A and they continue to call everyday and send letters. I do not owe this {$460.00} period. It is unlawful and why hasnt it been deleted from my credit report. What are the next steps I need to do to get this issue resolved once and for all? Also, I was an XXXX XXXX XXXX XXXXXXXX for over a year. This was filed on my last day of employment. I find this ironic. Its very sketchy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre saying I owe I debt that I never consented too. Then added it to my collections, which in turn made it a bit difficult to take out a person loan thatll help consolidate my credit card debt. Theyre trying to get paid twice and Im not having it. They already filed a 1099. So they should be the ones paying that debt. Especially since I didnt give them the consent to sell my information
Product: Credit reporting or other personal consumer reports

I was approved for Auto Loan and I received check from XXXX XXXX XXXX XXXX and sent to the private seller XXXX XXXX. XXXX XXXX the check with JP Morgan Chase Bank for {$25000.00} and they put the funds on hold and closed her account. They claim not being able to verify my Phone number XXXX. I called XXXX and they told me there wasnt no number on file, my previous number was XXXX but its not in service anymore. I recently checked XXXX XXXX and they told me my phone number is under my name according to they data. Chase claimed to be able to Verify with XXXX XXXX  but not my number which is COMPLETELY FRUSTRATING BECAUSE I AM CARLESS and now I Have to pay off a AUTO LOAN EVERY MONTH WHEN I DONT EVEN HAVE THE VHEICLE becaus XXXX XXXX Never receive the funds. I EVEN CALLED XXXX XXXX XXXX XXXX and they told me the check had been cashed with chase and it had been verified but its CHASE end who is not releasing & holding the funds
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by ENHANCED RECOVERY CO LLC. While checking my credit report, it came to my notice that ENHANCED RECOVERY CO LLC has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by ENHANCED RECOVERY CO LLC will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or ENHANCED RECOVERY CO LLC, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Bank has not updated the payment history on two accounts since XX/XX/XXXX XXXX  CC paid in full and balance still showing XXXX as of XX/XX/XXXX Express CC paid in full and balance still showing XXXX as of XX/XX/XXXX I have sent secure emails to both CC companies via their app and no response XXXX XXXX account was not accessible in XX/XX/XXXX and payment could not be made. Error was blamed on system update. Late fee was assessed. I emailed Comenity via app secure on XX/XX/XXXX and XX/XX/XXXX. Still no update and late fee not removed. Account has always been paid on time. 

My credit score, debt ratio and utilization are being affected unfairly
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To XXXX, XXXX, & TRANSUNION : Your company is in violation of the law under : 15 U.S. Code 1681c2 - Block of information resulting from identity theft. The law CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Nowhere in this law does is state that I have to provide you with a police report. This is clearly a stall tactic and goes against my human rights.

DELETE the above inquiries from my consumer report, this agency is in violation of 15 U.S. Code 1681c2 Failure to respond satisfactorily with deletion of the above referenced inquiries and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. Code 1681n ]
Product: Credit reporting

Bankruptcy statement on my account. I have never filed for chapter XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : CREDIT REPORTING ERROR. Misreporting XXXX XXXX data reporting to XXXX and Equifax includes 1 ) dates of last activity on XXXX, 2 ) duplicate reporting on Equifax, and 3 ) balance on duplicate Equifax reporting.
Product: Credit card

Apple has denied me extensions of a credit limit increase because of XXXX late payment out of XXXX years of on time payments had a financial impact from covid and i fixed the problem paid {$880.00} to credit and received no benefits nor increased of my credit limit and denial of my credit is unacceptable and unlawful under 12 CFR 1002.4 regulations b ECOA cant deny me credit is discrimination
Product: Bank account or service

A request was made through customer service to stop an online payment scheduled from Chase Bank. 
The payment was stopped and the amount was credited to my account. I had informed the merchant that I am stopping the payment as I had already paid them and the merchant acknowledged the same. 
However the bank delivered the cheque to the merchant, and Chase customer service did not informed me that the bank will deliver a cheque to them irrespective of stop payment. The merchant submitted the cheque which was bounced and their bank charged them {$50.00}. 
I have to pay for it as my bank delivered the cheque. 
There is a flaw in the chase online payment as they should have informed me that cheque will be delivered and I could have communicated same to the merchant.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX, XXXX. 
Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX has violated my rights. Or the list of inquiries 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 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 or 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: Bank account or service

I AM A XXXX WITH SERVICE CONNECTED XXXX, MY WIFE WAS MY CARETAKER UNTIL HER DEATH IN XX/XX/XXXX, XXXX REQUIRED ME TO HAVE A NEW PAYEE FOR MY XXXX CHECKING ACCOUNT AND POWER OF ATTORNEY FOR MY NONE XXXX BANKING ACCOUNTS. AT BANK OF AMERICA, THEY TOLD ME ANDTHE NEW CARETAKER TO ( XXXX ) BRING THE DOCUMENTS FROM THE LOCAL XXXX OFFICE AND POWER OF ATTORNEY TO THEM AND THEY WOULD SETUP THE ACCOUNTS .WE DID AS REQUESTED AND NEW ACCOUNTS WERE SETUP.NOW IT XX/XX/XXXX AND MY CARETAKER HAS IRS PAYMENT PROBLEMS AND MY ACCOUNT WAS OVER-DRAFTED BY {$25000.00} AS PAYMENT ON HER BILLS.NOW THE BANKS IS CHARGING ME LEGAL AND OVERDRAFT FEES, SAYING IS WAS IRS FAULT THE ERROR WAS MADE, IRS SAYS IT IS THE BANK FAULT FOR NOT SETTING UP THE ACCOUNT AS A POWER OF ATTORNEY, WITH OUT ( P.OA. ) ON THE ACCOUNT, NO MONEY WAS TAKEN FROM THE XXXX ACCOUNT BECAUSE IT WAS NOTED AS PAYEE.
Product: Credit card

I scheduled a credit card payment for {$75.00} instead they charged me the full balance of {$6400.00}. I called the credit card company instantly the morning the payment was pending. They said that theres absolutely nothing they could do which I do not believe And I think that this is negligence and malpractice.
Product: Money transfer, virtual currency, or money service

I have sent money to a professional colleague ( a physician in XXXX ) more than 20 times in the past, but suddenly WU is refusing to disburse the money to him. They admit they have received the funds from my bank account and have confirmed via email that the funds are available -- but they refuse to give him the money.

WU sent me the following confirmation : Thank you. The payment for your money transfer has been received and is available for pickup.

[ My recipient -- name redacted here ] will need to bring a government-issued photo ID and the tracking number ( XXXX ) to pick up the XXXX USD you sent. They can pick it up at any agent location in the expected payout location. 
If you have any questions, contact us anytime. 

Thanks for using Western Union. 
XXXX This is your proof of payment for the money transfer below. 
_____________________________________________________________________ Your tracking number ( XXXX ) is : XXXX Transaction Date : XX/XX/2018 XXXX ET However, when my recipient attempted to pick up the money, he was told the transaction had been blocked. When I inquired, WU simply stated " We checked and reviewed the tracking number you have provided us, due to various laws and regulations across the countries where we do business, we can not complete this money transfer to this receiver. '' Their so-called " customer care '' representatives tell me that there has been no change in the rules for sending money to XXXX, but they refuse to tell me why they are blocking the funds from being disbursed to this physician.
Product: Credit reporting or other personal consumer reports

Experian is in clear violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports states ( a ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give Experian my written, nor verbal consent to furnish my consumer report. This is unlawful. This is also against consumer laws I demand that Experian remove these accounts below immediately or I will take legal action Experian has also violated my right to privacy. Experian is in violation.of code 15 U.S. Code 6802 - Obligations with respect to disclosures of personal states ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form I did not give Experian any permission to report this information below to my consumer report nor did I give the companies below permission to report this information. This is illegal and I will take legal action if these accounts does not get removed I demand that Experian shows me proof that they have the right to report this information below XXXX account # XXXX XXXX  Account # XXXX XXXX  XXXX  account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute Dated XX/XX/XXXX in for some erroneous, inaccurate, incomplete items that are reporting on my consumer report. I received just update/ verified on the CRA 's app. I have not received any updated credit report from XXXX or XXXX. I also sent in debt validationXXXXand which not one of the CRA 's or debt furnisher validated the debt. I sent in a letter requesting proof of reinvestigation XX/XX/XXXX and gave them 15 days from the receipt of the certified letter and I still have not received any information from anyone other than verified/ updated in the CRA 's app. This is a major violation of my consumer rights per FCRA, FCDPA ... XX/XX/XXXX {$230.00}, XX/XX/XXXX {$160.00}, XX/XX/XXXX {$19000.00}, I also requested that my personal information be corrected that it reflects which I sent the CRA 's the information they requested, and they have violated my consumer rights. 15 USC 1681 ( a ) ( 4 ) there is a need to ensure that the credit reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's rights to privacy. I demand all information be deleted of all personal identifiable information from my consumer report Immediately.
Product: Debt collection

I was only an authorized user on the account and I am not responsible for the debt. I have asked the company top remove all credit reporting but they have not.
Product: Mortgage

3 problems : [ 1 ] My mortgage company is Dovenmuehle. They put me on a forbearance from XX/XX/2020 through XX/XX/2020 ( to include all payments from XXXX to XXXX ). They deferred all of my missed payments except XX/XX/2020. Now I'm passed due and it's not my fault. They are refusing to put XXXX into the deferment. [ 2 ] I requested a loan modification because, as of XX/XX/2020, I am on Social Security XXXX. They are refusing to let me apply. They are refusing to send me an application and every time I call them they hang up on me. [ 3 ] Dovenmeuhle sent me a Loan Transfer Notification XXXX. I received a statement from the new Service, XXXX XXXX, XX/XX/2020. I set up a XXXX payment through my bank, which was sent to XXXX XXXX electronically on XX/XX/2020. Then later that day I received a notice from Dovenmuehle that my loan was not transferred to XXXX XXXX and that I must pay Dovenmuehle the payment for XX/XX/2020. Please see attached documents. I have spoken to a dozen representatives at Dovenmuehle about these issues. Now they keep hanging up on me.