23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I made a contract with XXXX XXXX AT XXXX XXXX for 2 years. I left this apartments on XX/XX/XXXX with a clean record, they even return my deposit when i left. I got a derogatory remark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address the immediately and either pay off the debt or get the negative remark removed from my report.
Product: Debt collection

In XXXX of XXXX  I was sued by midland credit for a debt. I was granted the ability to initiate arbitration in XXXX of XXXX. Midland chose not to respond to me every step of the way. The XXXX closed the case because of their failure to respond back in XXXX when they didn't submit any of the payments or documents required. I went back to court XX/XX/year> and the Midland attorneys agreed to close the case with prejudice. As of today, after many many phone calls to them to take this account off the credit report, they claim they need to " update their files '' but have been saying the same thing since XX/XX/XXXX. It's public record that this account was dismissed with prejudice. They were supposed to take it off my credit report right away. I gave them 30 days to do so but they have chosen to stonewall me. I feel alone. Please help me. I have tried to do the right thing over and over again but they keep blocking me. 

I have attached a screen shot of the court minutes along with a screen shot of the case directly from the court website. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/XXXX my employer XXXX was involved in Hurricane Florence. I informed Capital One of this information and they initially agreed to assist me and not report my account as delinquent. I was out of work from XX/XX/2018-XX/XX/2018 and was not able to make any payments toward this account or others. I also was told that I would be alright until I returned to work. 

Capital One negatively reported to the 3 bureaus that I was delinquent in my payments and because of this I was denied a vehicle loan by my bank. Capital One failed to properly investigate this circumstance and would not take any accountability for the inaccurate reporting that took place for month of XX/XX/XXXX, or XX/XX/XXXX. It is not right and the other companies in which I hold cards did not report missing payments. I was told that this could be removed from my reports.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2020 {$460.00} was deducted from my checking account. The line on my statement said Cash App, parent company Square. 

I do not have CashApp. I notified my bank on Thursday, XX/XX/2020 that I saw a pending transaction for release on XX/XX/2020 that same day my bank fraud department stated that via this CashApp they tried to deduct after the {$460.00} was approved they tried for {$1400.00}, {$1000.00}, {$750.00} then {$500.00} each time getting lower. Since the charges were coming from California and were according to the Bank Fraud Representative `` XXXX XXXX type of things '' they declined the charges. 

CashApp and Square have no email address, no contact phone numbers. You have to have their App and card to receive support. I informed my bank who provisionally returned my stolen money until their investigation is over. 

Today, Saturday, XX/XX/2020 a CashApp card shows up. I tried getting on to their site, I put in my email address - no email address exists for them. I put in my cell phone number - no phone number exists for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, I identified items on my report as fraud and requested the items to be blocked and deleted from my report ( see attached ). 1st FTC report was filed on XX/XX/22 and TransUnion initial CFPB complaint was submitted. On XX/XX/22, I followed up on my request and was informed that my request to block was denied because my address was missing on the FTC report. The attached updated FTC report with my address added to expedite the deletion of these reported items. The continued reporting is of improper utilization of my information.
Product: Debt collection

I tried to contact " rent recovery solutions '' in regards to an account they bought from " XXXX XXXX XXXX ''. 

At the end of my rental lease, XX/XX/2019, my final bill from " XXXX XXXX XXXX '' ( which I have proof of ), states I owe ( {$2400.00} ) significantly less than what the debt collector, " rent recovery solutions '', is stating I owe, ( {$7100.00} ) " XXXX XXXX XXXX  '', has held this incorrect amount over my head since 2019 and is restricting me from finding my own place to live and is negatively affecting my credit.
Product: Vehicle loan or lease

I have an auto loan with NAVY FEDERAL CREDIT UNION in which I never appointed NAVY FEDERAL attorney-in-fact with limited authority and I never provided a security interest in the vehicle as additional collateral to the promissory note. EXHIBIT A. 

However, on XX/XX/year>, I sent a notice to NAVY FEDERAL via their secure messaging portal concerning the revocation and removal of power of attorney and security interest '' to ensure NAVY FEDERAL understands there is no interest in the vehicle as collateral. EXHIBIT B. On XX/XX/year>, NAVY FEDERAL responded by stating, The documents you provided do not release you from your obligation to Navy Federal, and you remain responsible for the repayment of your debt ( s ). EXHIBIT C. 

NAVY FEDERAL responded again on XX/XX/year>, claiming that a power of attorney does not exist with the following statement, Navy Federal has not received any valid Power of Attorney ( POA ). Therefore, there is nothing to revoke with Navy Federal. EXHIBIT D. 

On or about XX/XX/year>, NAVY FEDERAL seized my vehicles to perfect the security interest despite receiving my notice along with denying that a valid power of attorney existed. 

My vehicle was seized without authority for the following reasons : NAVY FEDERAL is aware that I never agreed to provide NAVY FEDERAL security interest as a condition that was inserted on the face of the promissory note before initially returning it to NAVY FEDERAL, which was accepted without rejection. EXHIBIT A. 

I, XXXX, XXXXAgent, accept this promissory note, security agreement, and disclosure solely upon the condition that I receive all titles, rights, interest, and equity owed to XXXX XXXXPrincipal . The principal balance must be applied to the principal 's account. 

I revoked and removed the limited power of attorney and the security interest before the vehicle was seized. EXHIBIT B. 

NAVY FEDERAL denied that it received any valid power of attorney ( POA ). EXHIBIT D.

NAVY FEDERAL never received an authenticate security agreement per UCC 9-203 9 ( b ) ( 1 ) ( 2 ) ( 3 ) ( A ).

NAVY FEDERAL never perfected a security interest in the vehicle that was seized per UCC 9-310, because NAVY FEDERAL never filed a UCC-1 statement as evidenced by the enclosed Georgia UCC CERTIFIED SEARCH REPORT . I am the only person who has a security interest in the vehicle because I filed a UCC-1 listing the vehicle as collateral. EXHIBIT E. 

The vehicle was never collateral that was subjected to any security interest per UCC 9-102 ( a ) ( 12 ).
Product: Debt collection

TD Bank ( TD Retail Card Services ) sent me a debt collection letter dated XX/XX/23 for a past due amount concerning my TD Bank Yard Card. I received the letter on Friday, XX/XX/23. I immediately called TD Bank customer service to let them know that there was an error on TD Bank 's part because I made the payment online as I always do and the payment was removed from my bank checking account on XX/XX/23, two days before the payment was due. After speaking with three different agents between Friday, XX/XX/23 and Saturday morning, XX/XX/23, I was told I would have to email proof of the transaction. I was provided with the email address and an " Attention to '' number, being " XXXX '', and sent in proof on XX/XX/23. I was told I would be contacted once received. I did not hear from anyone yesterday, XX/XX/23, nor today, XX/XX/23, and have emailed TD Bank twice more requesting a response. I tried the customer service again who stated I would just have to wait to hear back from my email submission. I'm " disgruntled '' to say the least that I received a past due notice in the first place on an account that wasn't past due. I'm afraid this will cause a derogatory statement through the credit bureaus on a matter that was no fault of my own.
Product: Mortgage

I contacted Ditech back in XXXX to request assistance as I had lost my job and was in the process of starting a new one as a XXXX XXXX XXXX which was XXXX. I had lost my job in XXXX and had been paying my mortgage out of savings but after paying XXXX I would not have the money to continue until I earned income as a XXXX. I informed Ditech that I would not likely receive any income until 6 months from my start date. I then proceeded to provide them financial information for myself, my husband ( who is not on the loan ), and my parents who live with me. Initially the information was submitted through their document upload system and the system showed that the documents were under reviewed. However a month later we receive a call from XXXX XXXX stating she was our loan counselor and that the documents ( although their system has provide proof of receipt - which we printed ) were not fully received and that we needed to resubmit. We proceeded to fax the documents. Once again approximately 2 weeks later XXXX XXXX called again stating they did not receive a complete package. We then requested an email address which we could submit the information to. We emailed all the information requested, including multiple copies of Form XXXX authorizing them to obtain 5 years of our taxes. Time elapsed and we received no answer from Ditech. Instead we found an note on our door saying they had been by to inspect the property and that we were to call them to address our delinquency. I sent XXXX XXXX an email requesting clarification on this and she never answered. We are now 45 days late.I sold my car and used part of the proceeds to pay XXXX and XXXX. Now that we are current on our loan we receive a call from XXXX XXXX requesting a non borrower credit check for my husband and copies of his SSA award letter. We are now XXXX and XXXX XXXX calls again and says if we want my parents income included in their decision we need to provide them with copies of their bank statement, a non-borrower credit check and their SSA award letter. I spoke with XXXX and said I did not want to have their information included and that I wanted an answer ( approval or denial ) from them. Close to 60 days have elapsed and we have received no information from Ditech. We are currently behind for XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information was listed in my report. I sent it to all the credit report agencies and requested them to investigate and check my files. But my credit is still being affected by that information. The credit bureau did not do anything to remove the erroneous information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX XXXX Date Updated : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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: Credit reporting or other personal consumer reports

I am writing to express my deep dissatisfaction with Experian 's customer service. On XX/XX/year>, around noon, I spoke with a representative named XXXX regarding an error on my credit report. XXXX was extremely rude, unhelpful, and refused to escalate my concern to a supervisor, insisting that I must wait 30 days for any resolution. 

As one of the largest credit reporting agencies, Experian has a responsibility to address the credit needs of American consumers in a timely and respectful manner. Your current process, especially the phone support, is incredibly complex and does not provide adequate solutions for urgent matters. 

It is unacceptable for errors on credit reports, which can have severe implications on people 's livelihoods, to go unaddressed for such extended periods. I urge Experian to establish a dedicated department to handle immediate concerns more efficiently and compassionately. 

If Experian can not meet the needs of American consumers promptly and ethically, I question its continued existence in this market. I hope to hear from Experian soon regarding this matter. If there is no response, I will escalate my complaint to my local representative and XXXX XXXX XXXX. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and XXXX are all reporting information that is incorrect. I have filed disputes but the information continues to be on my credit report. I have documentation that the information that they are reporting is not from the original source. The documentation that I am presenting comes directly from Bankruptcy federal court in XXXX Kentucky.
Product: Debt collection

Someone named XXXX XXXX randomly emailed me on XX/XX/XXXX stating, " This is to advise the above subject account is scheduled to be reported to the 3 National Credit Bureaus on or before XX/XX/XXXX. There is still time to resolve the balance prior to reporting. Please call me by Friday XX/XX/XXXX so we may discuss available options. '' The email subject was part of the name of an apartment complex I lived in and moved out of three years ago. The apartment complex is horrible with communication and paperwork so I assumed this was a scam and tried calling them multiple times but never heard back. 

I received an email from XXXX XXXX on XX/XX/XXXX stating my credit score dropped. I took a look and this company is claiming I owe over $ XXXX ( according to XXXX XXXX. The only information I have is based on assumptions. ). I've literally never paid rent late in my life and don't owe anyone any money. I'd never heard of this company and had never received anything indicating I was past due with any accounts associated with my time living at that apartment complex ( because I don't owe them money ). I have a signed agreement from XX/XX/XXXX releasing me from any future liability with that apartment. 

The email I received was the first I ever heard anything about a claim to owe money ; the communication failed to state what it's in relation to, who XXXX was working for or with, the amount thought to be owed, or my rights to dispute the supposed debt. I don't know if she even knew my name- the email showed no indication this was actually meant for me. All of that is in direct violation of the Fair Debt Collection Practices Act. I don't even know what this supposed debt is related to. All I know for certain is the subject of the email was part of the name of a former apartment complex I moved out of three years ago.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo turn ed a mortgage modification into a nightmare. They lied, misled and hid information that would have helped with a HAMP/HARP modification . Wells Fargo put us into a 3 month trial period program at half our mortgage amount. This gave us hope, even after three months of paying we received a congratulations letter saying we were accepeted into the program and to expect the paperwork in the mail. A month later I called and asked where the paperwork was and WFHM said to keep sending that lower amount. Ten months later they sent a letter saying I was out of the program because the investors did not want to do the deal. When I asked what I should do they had me complete another loan modification HARP/HAMP application. Then two months later, they said I was out of the running because I did not send the proper documentation, after saying  I no longer needed to send said documentation every month. At that point, I stopped paying. A month later they started the foreclosure process and I got a ( bungling ) lawyer. Foreclosure was filed in  XXXX  of  XXXX . Then we were in courts and depositions, then bankruptcy, all to save the house. In  XXXX  of  XXXX  the bungling lawyer finally made his last mistake and everything ruled against me and my wife. Foreclosure was to proceed on  XXXX   XXXX ,  XXXX . We are now out of the house as of  XXXX   XXXX ,  XXXX . There are a great deal of additional details, but that is it in a nutshell.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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, credit repair services, or other personal consumer reports

Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, Transunion, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.
Product: Mortgage

Completed refinance with I Mortgage Company from previous lender XXXX XXXX. Loan closed early XXXX. My first payment due date was XXXX/XXXX/2016. I 've made both XXXX and XXXX payments and have statements from IMortgage as both cleared with my bank ( XXXX/XXXX/16 ) and XXXX/XXXX/2016. Receiving notices and threatening phone calls from IMortgage that they have n't received payments. I have spoken with them twice and they state it takes up to 60 days for " their system to update ''?? Just received another statement from them asking me to pay for XXXX and XXXX as well as upcoming XXXX payment. Again both payments have been made and I have Loan Statements from IMortgage. They requested and I sent to their Research department information with supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Explaining ' a ( XX/XX/XXXX - XX/XX/XXXX ) Request ' for a Telecheck File Report, A Specialty Reporting Agency in the Collecting and Selling of Personal Information for the use in Credit Determination. 

Telecheck does not provide " full disclosure '' of the File Report ( # XXXX ) for the Dispute or Correct in an understanding of Pinpoint Service Errors of the Contributor ' : XXXXXXXX XXXX XXXX XXXX XXXX ', the Importances for Represented Elements received from XXXX XXXX XXXX, In an Evaluation of Review '  of an Effective Communication with XXXX and Myself since, XXXX of XXXX. 

Evaluations ' of the Continuing Escalating Concerns of XXXX XXXX ' _ Specialty Reporting Agency, in the Collecting and Selling of Information for the use in Credit Determination, An Evaluation of Allegiances and Alliances of Telecheck/FirstData that is ' of my XXXX XXXX XXXX XXXX ' Account, the Pinpoint Service Errors ' of the XXXX XXXX XXXXXXXX XXXX XXXX : Personal Banker ', the Escalated Concern of numerous Application Reporting ( s ) for a Simple ' Secured XXXX ' Approval.
Product: Mortgage

My husband and I closed on our home in XX/XX/2017 with MB Financial via XXXX XXXX. My original mortgage payment, including taxes and insurance was approx {$750.00} ( {$510.00} for principle and interest and {$240.00} for escrow ). I've just received an ANNUAL ESCROW ACCOUNT DISCLOSURE STATEMENT ( attached ) that changes my payment to {$940.00} reflecting the original principle amount of {$510.00}, a slight increase in taxes and insurance amounting to {$260.00} and {$160.00} of escrow shortage. I'm told that that {$160.00} * 12 months reflects a shortage of {$1900.00} in my escrow account as escrow is paid in arrears. What I was not informed of is that there is a minimum dollar amount to be kept in escrow. It's my understanding that the bank not collecting enough monies at closing is the problem, a problem that I certainly shouldn't be responsible for.