23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had signed a lease with the XXXX XXXX  XXXX around XX/XX/XXXX, XXXX months next I had called them to terminate the lease before it had even started, it was supposed to start in XX/XX/XXXX they told me that they had terminated and canceled it, no problem from there on out. On XX/XX/XXXX, I received a letter in the mail from a debt collection agency requesting that I XXXX XXXX XXXX owe {$8000.00} for a lease for the XXXX XXXX XXXXXXXX XXXX. I gave them a call and explained to them that they told me that they canceled the lease, the apartment manager seemed to not want to work anything out, although he did tell me that a tenant did replace me in the apartment. It seems to me that they were charging me for rent while someone else was living in the same apartment I signed the lease for, this is a violation of the law in the XXXX XXXX Alabama. I have disputed this collection with all XXXX credit bureaus, I submitted XXXX through XXXX, it came back as accurate, I submitted a XXXX dispute, it had been removed. I submitted XXXX through XXXX, they came back and said it was accurate, I submitted XXXX through XXXX, I am still awaiting a response. It doesn't make sense to me how they took really long to respond to all of my disputes as well. When they came back with a response with XXXX, they provided XXXX information or proof regarding my debt, all that I received was that it was validated as accurate. I called the National Credit Systems, whom was in control of my debt, they said my debt had been passed off to a law firm by the name of XXXX XXXX XXXX XXXX XXXX, I have received XXXX calls from them, nor are they represented on my credit report. I do not find this debt collection fair and would like for it to be investigated.
Product: Mortgage

I am a retired XXXX XXXX and I recently lost my husband to XXXX. As a result, I contacted our mortgage holder, US Bank to retitle and refinance my home. 

The outstanding loan balance is {$320000.00} and the new mortgage payment is expected to be approximately {$1900.00} a month for a 20-year mortgage. I am exempt from property taxes because my husband XXXX  from a XXXX XXXX  XXXX. 

I have regular monthly pension and veterans administration survivor benefits totaling approximately {$4300.00} a month, in addition to part-time income as a result of occasional work with the school system. 

I also have savings of approximately 6.6 times the mortgage balance. 

I completed the mortgage application on XX/XX/XXXX, and proceeded to work with XXXX XXXX and XXXX XXXX to pursue the application. 

US Bank ultimately rejected my application and kept my {$390.00} application fee. Additionally, all title work on the home was lost. 

During the process, I was asked for the same information over and over again. The process was opaque, and no one seemed to know whether my application would be approved or not. I was 'pre-approved ' and then 'almost final approved ' and then told my application was going to be cancelled. 

I found this to be extremely stressful. The first US Bank employee I contacted was rude, bordering on mean, and she either intentionally or accidentally disconnected our call. XXXX and XXXX were both polite, but when I expressed my frustration to them via email ( attached ), they were completely unresponsive and never even acknowledged my email, or my concerns. I often found myself nearing tears because of the experience. 

I was amazed by how poorly I was treated, and I can't imagine US Bank submitting other widows, like me, to the same abuse.
Product: Debt collection

On XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX/ Pendrick Capital Partners II LLC trying to collect a debt for two charges totaling {$2000.00} dollars from medical bills datedXX/XX/XXXXfor the amount of {$1000.00} dollars and a second one fromXX/XX/XXXX for {$1000.00} dollars. They have called me regarding the debt and they also have reported the debt to the credit bureaus. 
I have sent them a letter that I actually downloaded from your website asking to provide information about this debt as stated in my letter, several requests and proof of the original creditor ( XXXX XXXX XXXX XXXX XXXX ) I sent my letter via certified return receipt on XX/XX/XXXX and received a response from them on XX/XX/XXXX 
Their response does not include any of the requested information, or documents to proof this is an original debt under my name. 
I called the company on XXXX XXXX and spoke to XXXX XXXX, asking why they had not provided any of my requested documentation and she answered that was all they had for this debt collection. I then stated I was going to open a claim regarding these collecting bills from their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I inquired about renting an apartment at XXXX XXXX XXXX  at XXXX XXXX XXXX XXXX XXXX, CA XXXX in XXXX. After providing my personal information I decided not to submit the application because I did not wish to proceed. I called the Leasing Company to inform them of my decision. The leasing company manually submitted my application on their end without my authorization and asked for {$550.00}. I refused to provide payment information and informed them I did not want the apartment anymore. This account was sold to Columbia Debt Recovery LLC DBA Genesis in XXXX. The total amount they are trying to collect including interest is {$570.00}. The collection agency made many calls to me, my work place and my family. They sent the account to collection and materially negatively impacted my credit. XXXX XXXXXXXX XXXX is a subsidiary of XXXX who lost a class action lawsuit in CA for violating California Civil Code 1950.6 in their practice of charging exorbitant amounts for apartment application fees 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, credit repair services, or other personal consumer reports

TransUnion, XXXX XXXX XXXX, XXXX, PA XXXX Phone : XXXX I opened a dispute XX/XX/XXXX regarding an alleged revolving credit card issued by XXXX XXXX Bank XXXX The account is fraudulent and was obtained by fraud ... in other words I DID NOT OPEN THE ACCOUNT BUT IT IS ON THE REPORT. 

TransUnion decided that account is 'verified ' and when I contacted them, they demanded more information ( HOW? I DID NOT OPEN THE ACCOUNT! ), and then they hung up on me. 

I have the TransUnion File Identification Number for this dispute if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

*********Hello, my name is " XXXX XXXX XXXX, I have been filling my complaint for over past year or so but none of it has worked. I notice that some of the name and addresses that are listed on my credit report are inaccurate. Please remove these name and addresses as they are not belong to me and the incorrect informations below are intervening me from obtaining credit. 
**Name reported : XXXX XXXX XXXX XXXX XXXX ( There are two the same name " XXXX XXXX XXXX XXXX` , delete 1. 
**Addresses reported : _ XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ****************************************************** ^^^ I request an investigation on these loans and hard inquiries within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX   and every creditor reporting the belove items ) and filing lawsuit if not done. 
**. Other Loans : _ XXXX/XXXX  Reported : XX/XX/XXXX XXXX Hard Inquiries : _ XXXX XXXX/ Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -/Inquiry : XXXX XXXX, XXXX XXXX XXXX/ Inquiry : XXXX XXXX XXXX, XXXX ***Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer '' reports I must receive a disclosure that this letter was received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any disclosure or writing mailed. DELETE IMMEDIATELY!!! 
** CREDIT CARD : XXXX Reported : XXXX XXXX, XXXX " '' '' This charge off account is not mine, delete please!!!! 
**Collections : XXXX XXXX XXXX XXXX XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!!
Product: Credit card

Went to XXXX XXXX and ordered product. Product was {$110.00} total. XXXX XXXX  made duplicate charge for same day - XX/XX/2024 and for same amount and submitted charges to Credit card. This is a duplicate charge from XXXX  XXXX company. Contacted credit card and submitted dispute. Credit card obtained documentation from XXXX  XXXX which shows 1 invoice, 1 charge for {$110.00} on XX/XX/2024. XXXX  XXXX did not submit any documentation for 2 charges of {$110.00} each. 
Credit card statement of XX/XX/2024 shows 2 duplicate charges. 

Credit card will not reverse the 2nd charge of {$110.00}. Credit card is Citi Bank Costco Anywhere credit card. Citi Bank  card needs to reverse this charge as they received information from XXXX  XXXX. Citi Bank mishandled this situation and needs to fix it immediately.
Product: Debt collection

Complaint, XXXX, XXXX  and demand under TILA. I demand a response from the real human, not from third parties Artificial Intelligence which sends me " responses to letters addressed to PennyMac '' On XX/XX/XXXX XXXX paid Servicing advances {$32000.00} to unknown to me parties for unknown to me purposes. Please disclose to whom PennyMac advanced {$32000.00} on XX/XX/XXXX and the purposes of these advance. 

Please provide me direct address and direct phone number to XXXX XXXX to send him a Subpoena to verify these charges and fees before the Judge since I was unsuccessful to contact him via tool free number. 

The total amount of " Servicing advances '' AFTER I filed for the bankruptcy in XXXX is over {$300000.00}, up to {$32000.00} per month. 
According to " financials '' before I filed for bankruptcy in XX/XX/XXXX " servicing advances " were $ XXXX per month. 
Please provide me direct contact information for the accountant or bookkeeper of the Creditor who has personal first hand knowledge about all charges and fees and why these " servicing advances '' dramatically increased during my so-called " bankruptcy protection ''
Product: Debt collection

I recently received a collection notice from Credit Corp Solutions regarding their reference # XXXX for a balance due of {$140.00} This amount is fully disputed as being totally invalid, and I never used PayPal credit. Someone fraudulently used my name. PayPal shows a XXXX balance for me and has no record of me making any purchases using credit. 

Kindly report this matter as fraudulent and remove it from my record.
Product: Payday loan

I took a XXXX loan from Cash Call. In taking the loan I was never disclosed the accurate interest rate. I was thrown a bunch of percentages that at the moment did n't seem to make sense. When I asked them to clarify, he told me that " interest was higher than most loans but was n't too bad. '' That what I would want to do would be to " pay the loan off as soon as possible ''. I thought to myself well DUH! and how bad could the interest be. I asked if they would send paper work after the loan funded so I had an accurate description of the interest. They said yes and happily took my banking information. I never received paperwork and I have come to find that I am paying roughly XXXX per month as my payment and {$0.00} cents of that are going to principle. This cant fit in a box called fair lending. This is financial prison! They wont work with their customers and the harassment is relentless. I took off the ability for them to have ACH access to my back account and the calls have been non stop. The calls start XXXX days before the due date. On the due date last month and I logged XXXX calls to my home and cell in a XXXX hour period and into the evening. By far the worst experience I have ever had. The company seems to take pride in how they take advantage of their customers. They use no moral compass in how they navigate business. Whatever law they are operating under should be very closely looked at by the proper authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

two fraudulent accounts were being reported on my credit as having a balance due with Capital One. i disputed the items with all credit bureaus including XXXX. the accounts in contest were deleted from my XXXX  report on XX/XX/21 after investigation. 
the items have now been reinserted which is a violation of the FCRA. the amounts of the accounts are for {$3300.00}, and {$11000.00}. all documentation has been provided to XXXX, and to Capital One through XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notification from XXXX  that US Bank had reported a 30 day late on my credit which negatively impacted my credit history. 

This issue started in XX/XX/XXXX when there was a fraudulent charge ( {$500.00} ) on my account that took US Bank more than 6 months to resolve. This charge put my account over the credit limit and increased my monthly payment to an incorrect amount. 

After contacting US Bank more than 6 times to resolve this issue I spoke with a supervisor on XX/XX/XXXX who told me that the case was closed and I would be receiving a final credit. 

US Bank then reported that my account was over the limit on the same day ( XX/XX/XXXX ) even though the investigation had been completed. 

After contacting US Bank yet again I was told that the credit had been applied and reflected in my account however my payment was not adjusted and that I should wait for the correct amount. 

However after attempting to log into my account a few days later to make a payment I received a message saying that my account was locked. I contacted US Bank for help with resetting my password and was told to change my phone number in order to receive the text verification code. 

After changing my phone number the following day I attempted to reset my password. However there was no longer an option to receive a verification code and instead I was asked to enter a PIN number which I never received. 

Once more I contacted US Bank about this issue. Customer service took over my screen and I physically showed them the message I would receive upon attempting to log into my account. 

I was not provided a solution and the following day I contacted US Bank about making a payment over the phone. Customer service then demanded that I pay over {$600.00} because the payment had still not been updated to the correct amount. 

US Bank refused to allow me to make the correct payment and then indicated that they would report a late payment to the major credit bureaus even though they were aware that this amount was not accurate. 

I still do not have access to my online account and I still can not make any payments. This is unacceptable behavior especially when US Bank has been having major issues with their website and app. 

Additionally this violates the Fair Credit Reporting Act. Therefore I have submitted this complaint for investigation.
Product: Payday loan, title loan, personal loan, or advance loan

I settled a personal loan with Avant and they agreed to updated my credit report from deragatory to settled. They did not do this and its having a negative affect on my credit report
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX / Equifax
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST TO whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX  Listed below are the Accounts that are being challenged : XXXX XXXX XXXXXXXX DEPT OF EDUCATIONXXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX account # XXXX DEPT OF EDUCATION/XXXX  account # XXXX DEPT OF EDUCATIONXXXX account # XXXX DEPT OF EDUCATIONXXXX account # XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT . PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 | DOCKET NO. XXXX | XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The information attached shows how Experian is breaking the law ( FCRA timelines ), and not fixing errors contained on the credit reports from an individual. They share information to people not authorized, and they try to confuse the regulators like CFPB, by saying they verified the authorization without providing any proof of that. I have had for months a lot of fraudulent inquiries ( some of them already removed by Experian ), since the XXXX information leak. I have been notifying Experian properly as the law dictates, and still does not eliminate the all the unauthorized inquiries to my report. Even with the proof of the creditors asking to remove the inquiries, they simply neglect to take off all the inquiries that do not have any authorization from the individual. They do not provide any proof of verification, and CFPB is not doing anything about it. This complaint in addition to the previous, has the proof from a lot of those inquiries being retired by several creditors. Experian did not fix the errors completely, breaking the FCRA timelines.. CFPB I am providing evidence of the continuous breach to the FCRA by Experian, please procede accordingly. Thank you!!
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 U.S.C 1681. ACCT Name : XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

Received a letter from Alternative Claims Management regarding an auto accident that was handled by XXXX XXXX. Letter claimed we owed {$870.00} and we had 30 days to pay. They asked for a credit card authorization. XXXX believes this claim was satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I contacted Portfolio Recovery Associates in XX/XX/XXXX about a debt collection for a XXXX credit card that I was unaware was opened in my name in XXXX and am now being garnished through a court order through the XXXX XXXX Justice court in Arizona, reference case number XXXX. I asked portfolio recovery for a copy of the case files and documents to report the fraud in their system, they co formed my updated address over the phone however the documents were never received. I asked the court for a copy of the case files as portfolio recovery did not want to disclose the details and referred me to an attorneys office they partner with. The attorneys office stated they would send the original contract to my updated address however this never arrived. XXXX XXXX Justice court provided the case files and the affidavit of the process serve documents where I found that an obsolete address was served in XXXX to an unknown person that does not fit my demographics. To date, I have not heard back from Portfolio Recovery Associates or the attorneys office they partner with to submit the garnishment documents to the court.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have dealing with XXXX XXXX ( One mortgage solution ) to consolidated my account, provide 2 check XXXX usd and XXXX usd paid to his account XXXX XXXX, the credit was running on XX/XX/XXXX all account listed will be included for consolidation, but now on XX/XX/XXXX still open, Mr. XXXX refuse to provide details on settlement. I been contact him many times but no respond id cell is XXXX. 

I might not be smart to attach the checks and all comunication with Him, but i will upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

My acct was with XXXX and I had a payment plan with them back in XXXX  But I stop making payments because the school that I got the loan through which was XXXX XXXX ended up closing down and I found out that I couldn't use my certificate anywhere .Jobs and places was saying they needed more proof. so this have been on my credit all these years and now XXXX have sold my information to another company without my permission and they are calling me to still collect.