23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In 2013 I voluntarily terminated a lease agreement for a rental apartment. 

I was billed for the full remainder of the lease agreement ( approx. {$8000.00} ) Washington State law requires the property owner to mitigate damages by attempting to re-rent the unit, and they may only bill me for the time that the unit was empty. 

The amount was never adjusted. 

The property is no longer owned/managed by the same company, and no records have been provided indicating when the property was rented. 

I have contacted the collections agency multiple times to get the debt adjusted, or even prove the validity of the debt, and they have only ever provided me with the original rental agreement.
Product: Money transfer, virtual currency, or money service

Someone hack into my edd card and took out my funds and now I need my money back
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX Equifax Dispute Department XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute Regarding Inaccurate Reporting of Sold Debt Violation of FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information reported on my credit file, which appears to violate the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. 
The debt in question was originally held by XXXX  XXXX and was subsequently sold to XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX However, I did not receive a Form 1099-C from the original creditor, which is typically issued when a debt is canceled or forgiven and considered income by the IRS. 
As you are aware, accurate and complete reporting is required by law, and the lack of a 1099-C raises concerns about the legitimacy and accuracy of the reporting of this account. It also creates potential tax implications for me, as the debt could be improperly reported as taxable income.

Pursuant to 15 U.S.C. 1681i, I am requesting that Equifax XXXX XXXX  Conduct a thorough reinvestigation of this account and verify its accuracy with the original creditor and collection agency. 
XXXX. Remove or correct any inaccurate information regarding this debt from my credit file immediately if it can not be verified as accurate and compliant. 
To assist with your investigation, I have enclosed the following : A copy of my credit report with the disputed. 

A copy of my ID and proof of address for verification purposes. 
Please note that you are required to complete your reinvestigation within XXXX  days of receiving this letter, per FCRA regulations. I expect a written response regarding the outcome of your investigation, including any corrections made to my credit report. 
Requested Action : I kindly request that you : XXXX. Conduct a thorough investigation into these accounts. 
XXXX. Provide me with the results of your investigation within XXXX  days as required by law. 
XXXX. Remove the aforementioned items from my account. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX
Product: Money transfer, virtual currency, or money service

Someone hacked my cash app took XXXX dollars from my account with out permission and cash app would not refund my money
Product: Debt collection

This company is in violation of multiple FDCPA laws. I sent a validation of debt letter along with a cease and desist letter to this company. I do not owe this debt, according to 15 USC 1692g As the original creditor, I only can validate this debt. I do not validate this debt. I demand this company to cease all forms of communication with me through any and all mediums.
Product: Credit reporting or other personal consumer reports

Reached out to Transunion via letter letting them know the information that there reporting for a collection is incorrect, i gave Transunion more the XXXX  days to respond and i have yet to receive a XXXX showing my wet signature show that i agreed to the debt. I still have not received any response from Transunion.
Product: Money transfer, virtual currency, or money service

I recently filed for unemployment and when my deposit was sent to cashapp they froze my account. I need that money to pay bills and cashapp wont even allow me to access it. I spoke to cashapp and they said my account will be unfrozen but they never did. Without the access to this money I cant pay for my necessities
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint to request that you remove the fraudulent items off of my Credit File. I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The XXXX and Experian Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports that I need you to remove : 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 XXXXXX/XX/XXXX. In accordance with the Fair Credit Reporting Act Section 605b, you are expected to remove any accounts and information that are found to be items resulting due to identity theft. So please comply with the law and have the disputed items removed as soon as possible.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E.

They also participate in scamming people by closing their cashapp accounts FOR NO REASON and dismissing the inquiry deeming it a violation of their policy never specifying what policy. I never broke any rules yet they pretended I did, closed my account without explanation and banned me. I still had {$450.00} in my account that I havent received a refund of. They closed my account in the summer of XXXX and have yet to reinstate it. Every time I inquire they say theyre still investing my appeal but they arent. 
They never rectify fraud when its reported. Ive had money stolen from me and cashapp has done nothing. They dont even delete the scammers account. I had XXXX cashapp accounts but XXXX main XXXX They closed the main one and all connected and ban me for no reason. They have no real way to contact customer service and they seem to have AI for customer service. 
These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 

I have attached correspondences of cashapp telling me my account was closed because I violated rules and that they dont know which rules I violated either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my consumer report that should not be there XXXX  XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a letter from an unknown entity calling itself GoProgram requesting card information for which I do not have nor hold, my SSN, etc. I do not know this company and I do not have a card with them, yet they say I need to resolve issues with my account- I do not have an account with them. Listen to their contact recording at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has mishandled my information, did n't notify me ( I found out via social media and had to go to their poorly made response site to check for myself ), and now has cost me several hours, some money ( to freeze my credit with 4 bureaus and XXXX XXXX ) and will continue consuming my time and money to deal with paying for and unfreezing reports as necessary in the future. 
This is an undue burden from a company I have never chosen to do business with - they are a vendor of my vendors/creditors. 
Please take prompt and decisive action to ensure I am compensated for their negligence and that something like this does not occur again.
Product: Student loan

On XX/XX/XXXX I submitted a complaint message to MOHELA. I expect a response in XXXX business days per MOHELAs own policy. I did not receive a reply to this message on MOHELAs own messaging portal. 

On XX/XX/XXXX I requested additional new information from MOHELA that is either unavailable to me in the portal, or does not exist. 

Related, I am concerned that MOHELA does not list XX/XX/2023 as a qualifying PSLF payment, despite this directly contradicting the IMPORTANT ACCOUNT UPDATE information from MOHELA indicating this forbearance would count towards PSLF when its own portal said with a giant red exclamation point and bold words : Important Account Update We are in the process of updating your account. For some or all of your loans, you will not be due for payment until after XX/XX/2023, and your interest rate will be adjusted to 0 % through an anticipated end date of XX/XX/2023. The months from XXXX through XX/XX/2023 will count toward income-driven repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements are met. Please allow up to XXXX  days for the updates to be completed. We appreciate your patience and will notify you after your account has been updated.
Product: Debt collection

I've been dealing with NCAC for nearly a year. They are HORRIBLE. They have to yet to send valid verification that I owe this alleged debt. They are claiming that I owe {$760.00} to XXXX XXXX XXXX. The only thing that they've sent is a copy of my leasing agreement. This only shows the amount that was obligated to pay during the term of my lease. There's no proof that I didn't pay. I fulfilled my lease and didn't miss ANY payments. I DON'T OWE ANYTHING! There is no proof that I didn't pay everything that I was supposed to.
Product: Student loan

On XX/XX/2024 to Cease and Desist all forms of communication via phone, text, mail, email, voicemail, and all consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I scheduled a payment for {$100.00} on the XX/XX/XXXX and an account that is no longer active and it was closed for a while. The account shouldnt have been charged in the first place. On XXXX kept receiving back to back phone calls every hour from Comenity Bank, which is XXXX. I answered once I had time and was informed of my account status. I had checked my account the night before and reviewed the transactions on the report and it reported two previous cycle late fees. So I told the representative that I saw that on my account and I can resubmit the payment online today once those charges were removed. Not only can they be removed but my statement also says that the late fee charge consists of {$45.00} whereas my account was charged a {$37.00} previous cycle late fee twice. I have included photos showing all transactions between XX/XX/XXXX and XX/XX/XXXX. The representative on the phone kept saying that there is no late fee on my account and I kept telling the person that it is and I'm looking at it on my transactions and she insisted that it was not there and continued to push for a payment. She didnt explain the charge and Ive never seen this type of charge before but it is not necessary to charge someone multiple late fees for the same one payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this year, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used with out my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) 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. YOU have aided this Fraud by not verifying these accounts. Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The Following Accounts are a result of Identity theft and are not mine, I demand that they are DELETED 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 Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. I demand all the above Fraudulent accounts DELETED immediately.
Product: Debt collection

I do not owe any debt to my prior landlord ( The XXXX XXXX XXXX XXXX  in XXXX, IN/XXXX  XXXX XXXX XXXX XXXX XXXX. I paid my rent in full and on time and provided notice of my intent to vacate the property per the terms of my lease at the end of my lease term. I did not cause any damage to this apartment. 

In this instance, my prior landlord is engaging in extortion, using intimidation and threats to compel me to pay money that I do not owe. I was referred to a collection agency ( IQ Data International ) and this debt has damaged my credit score. This debt has been pursued for several years even as I have filed disputes. I have attempted to communicate with IQ Data International. My mail was returned because IQ Data International moved and left no forwarding address. I sent my communications to the address IQ Data International provided the credit bureaus and includes on their correspondence to me. IQ Data International is being intentionally evasive. 

The XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and IQ Data International has not provided any proof or documentation of damages ( including requested photographs, repair costs and invoices for repair services or materials ). I filed a complaint with the Indiana Attorney General, XXXX XXXX XXXX and various other consumer affairs agencies when this debt was initially pursued in 2015. Further pursuit of this debt violates the Fair Credit Reporting Act as this debt is inaccurate and unverifiable. Pursuit of this debt constitutes fraud and harassment by my former landlord. 

I am not attempting to purchase a home and this item is increasing the interest rate on my mortgage. Please note, I am an attorney. Your assistance is much appreciated.
Product: Credit card or prepaid card

I paid my first minimum payment to Comenity Bank ( charge account opened thru XXXX   in XX/XX/XXXX ) in XX/XX/XXXX in the amount of {$25.00}. The next month I repeated the payment amount. In XXXX of XXXX I received a statement from Comenity stating that I still owed {$1.00} from XXXX and was charged a late fee and and underpayment fee. I have since paid them what I owed them in full but refused to pay their usury fees and now they have turned me over to collection in the amount of {$260.00} and have a huge hit to my credit score. 

They refuse to back off on the matter after several letters from me. 

I feel that their tactics are fraudulent ( I owed them $ XXXXyesd XXXX dollar ). 

I want the matter cleared from my credit report. 

I no longer have the account number and no information seems to be available from the debt collection service that Comenity uses either.
Product: Mortgage

I contacted Ditech Financial several months ago to have the PMI removed from my loan. I meet all the requirements to have it removed and have given proper notification to this company several times for months. They are neglecting to get back to me in any sort of timely manner. When my wife contacted the company last week ( again ) the company representative was at a loss why we have n't been contacted to get the process started. She also informed my wife she would get back to us with an update or something, but again, just another way for this company to blow off its customer. Time and time again this company neglects our requests to manage my loan. I 'm retired from the XXXX and am really trying to save as much money as I can. I have met all the necessary requirements to have this additional fee removed from my loan but Ditech will not assist me in any way, shape or form. I want to report this poor excuse of a company to the proper Agency and hope to get a resolution ASAP,
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX IN XXXX {$1000.00} XXXX XXXX {$2700.00} XXXX XXXX XXXX {$68.00} XXXX XXXX {$280.00} XXXX XXXX XXXX {$930.00} XXXX XXXX   XXXX {$15000.00} XXXX XXXX {$970.00} XXXX XXXX XXXX {$4200.00} XXXX   XXXX {$780.00} XXXX XXXX {$1000.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

( Block.Inc. ) due to inadequate customer service and unfair practice, which violate the Consumer Financial Protection Act ( CFPA ) Specifically CASH APP FAIL to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected .Furthermore the dispute resolution process was unfair and deceptive.as they did not comply with errors resolution requirements under the Electronic FUND TRANSFER ACT ( EFTA ) and Regulation E.These actions have caused significant inconvenience and financial loss.and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update this suspicious information. I think you have not validated and corrected 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 COMPLAINT #, and I'm including it again. 
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

XXXX, XXXX and Trans Union are not responding to any of my many requests to investigate, verify and remove numerous fraudulent/unauthorized inquiries from my credit reports.
Product: Debt collection

They have bought this account and it is 11 years old. Its not supposed to be on my credit report after 7 years. The statement they sent said they would not report it to any credit agency yet they have and in fact have it listed as 30 and 60 days past due! It appears as if it is a new debt! This company Portfolio Recovery Associates is limited to the actions they can take yet they are proceeding as if this is their bill and it is a late payment on all the credit reporting agencies. They are not abiding by their rules. I went through a divorce/hardship and this should be dropped from my file several years ago.
Product: Mortgage

I am writing to express my deep concern and frustration regarding the ongoing issues surrounding the closing on my house with my mortgage lender XXXX, putting my property at risk of foreclosure. 

Despite our contractual agreement and the initial closing date of XX/XX/XXXX, we have faced significant hurdles where the loss mitigation department was unable to get us a payoff amount as we sat at the table to close including missed closing dates on XX/XX/XXXX, XXXX and XXXX, we did finally receive the payoff XX/XX/XXXX, But now the primary point of contention arises from the final payoff amount, which, upon receipt after XXXX missed closing dates, was over {$10000.00} more than the previously agreed-upon amount dated for XX/XX/XXXX. The explanation providedthat taxes due in XX/XX/XXXX were deducted from my loan accountis perplexing, as XXXX XXXX has yet to confirm the receipt of the funds after XXXX full weeks. Despite assurances from the lender that the wire was initiated on XX/XX/XXXX, XXXX XXXX disputes this, highlighting a lack of coordination and transparency. 

Moreover, the title company has requested a federal reference number for the wire transfer, a crucial piece of information that the lender claims not to possess. This lack of documentation raises serious questions about the legitimacy and timing of the funds transfer, contributing to the confusion and hindrance of the closing process. 

It is essential to emphasize that the lender 's actions, or lack thereof, are not only causing financial strain but are also potentially putting my property at risk of foreclosure. This is not only an egregious breach of our contractual agreement but also raises legal concerns, as a lender is not permitted to obstruct or impede a closing for an account under contract, especially XXXX involving a cash buyer. 

I have discussed this with any dept that would answer and listen and I additionally sent a letter to every dept available to receive documents. Asking them to take immediate action to rectify this situation. XXXX is of the essence, and any further delays XXXX result in severe consequences, including legal action. I kindly requested a swift resolution, clear communication, and the provision of all necessary documentation related to the wire transfer. 

I have a cash buyer who might walk which will result in my house being foreclosed on scheduled for beginning of XX/XX/XXXX.