23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : XXXX XXXX XXXXXXXX XXXX in XXXX TX To Whom It May Concern, I have an issue with my final bill that still hasnt been cleared. I was told by the property manager XXXX XXXX XXXX that this issue isnt handled by the leasing office. I assumed everything would be a dealt with quickly. Unfortunately, that was not the case. I XXXX XXXX XXXX and my daughter XXXX XXXX XXXX occupied the apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX from approximately XX/XX/XXXX until XX/XX/XXXX. I did give you my forwarding address which is still currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. I was told that any final bill would credit against my deposit. I also spoke with XXXX XXXX XXXX regarding the bed bug treatment charge that was included in my final bill. I never had and still dont have bed bugs. From day one if you check your records, I requested monthly sprays due to bugs getting in my home. My home and was immaculate otherwise. I had technician in & out of my home for maintenance issues and bugs were never reported. I did however advise the rental office that the neighbors above me had several dogs and bad odor coming from their home. My tub and toilet backed up numerous times due to no fault of my own and bugs came to that restroom area. You sent a plumber a few times for that. Now if you choose to do that for prevention thats one thing but I should not be charged for it. Frankly the home was cleaner when I left than when moved in. I completely cleaned out the home when I left. Also, the main issue is that my deposit was Never applied to my account. You have sent this to a collection agency without doing you Due Diligence. I was required before moving in or signing the lease to get a XXXX XXXXXXXX deposit. This was Never applied to my bill and the difference sent to me. The XXXX XXXX XXXX coverage # XXXX which I enclosed a copy of the original email receipt. Please note their phone number is XXXX. I did reach out to that company on my own and was told No One ever reached out to them to close my account or let them know I moved out. Perhaps this is an oversight but its quite a major one. I insist you must rectify this situation Immediately. I want this removed from my credit Immediately from under both me and my daughters names. This needs to be taken away from whatever debt collector you sent this to. A good contact number for me and my daughter is XXXX and/or XXXX. Please contact me at your earliest convenience. I will truly appreciate getting this worked out swiftly. Thank you for your assistance. Please note I will be using certified mail for this. 

Kind regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX  XXXX, XXXX, XXXX, and XXXX. 
The above is a copy of the certified letter I sent to the above and the other people I copied. I did speak with a representative from the collection agency but was told I need to straighten out everything with the original creditor who placed it with their agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I as of late sent dispute letters to XXXX, XXXX, and Experian on XX/XX/2021, presently it's XX/XX/2021, and I have still not got any examination results from one or the other Department. The explanation I'm documenting this objection against them is that Government Law expects them to react inside 30 days yet they have neglected to react
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX XXXX XXXX I reached out to all XXXX credit bureaus plus the creditor which is XXXX XXXXT AND JPMCB CARD SERVICE. XXXX was successfully able to dispute and block the fraud account which is CREDIT FIRST AND JPMCB CARD SERVICE BUT Both XXXX and XXXX still refuse to remove it. I am a victim of Identity fraud and i sent all providing documentation verifying that. The credit first account is not mine. I am not liable for any transactions made by this account nor am I responsible for this account. I AM TELLING YOU AS A CONSUMER TO REMOVE, BLOCK, AND DELETE THIS ACCOUNT INDEFINETLY AND DO NOT PLACE THIS ACCOUNT BACK ON MY CREDIT FILES. Per 15 USC 1681b " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title '' THE COMPANY HAS NEVER SENT ME A VAIDATION OF DEBT THERE FOR THE ACCOUNT MUST BE REMOVED.
Product: Checking or savings account

I put my cousin check on my account and they closed my account and it it was no fraud transaction its just that the check had expired
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had once late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account has not been late on payment, Ive attached a copy of my report to this compliant. 
I'm now requesting you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified I demand these payments be updated to paid on time immediately. Thank you for your understanding and prompt action. Account XXXX XXXX XXXX
Product: Debt collection

I was notified recently when checking my XXXX credit report that a collection account has been placed on my credit report opened XX/XX/2017. Upon looking i see it is from RECEIVABLE-in regards to XXXX  XXXX in the amount of {$160.00}. I Have never received notice of the alleged debt and have no idea what the debt could be for. In doing so i was denied my legal right to dispute any debt within 30 days of notification pursuant to the 15 USC 1681 et al. 

I would like to ask if Receivable is the original creditor? Can they prove beyond a reasonable doubt that i have a signed agreement agreeing to pay your company? 

I am demanding this to be removed from all of the credit reporting agencies and proper procedure and protocol is to be followed. 

if a a reasonable solution is not reached i will be forced to file a complaint with the attorney generals office in the state which said company resides up to including litigation in a court of law. 

i have also attached a screenshot showing this account removed from one of my reports but still remains on my other credit reports.
Product: Credit reporting or other personal consumer reports

XXXX has been reporting incorrect balance owed and credit utilization for Navy Federal Credit Union. Every time I dispute it they say their investigation says the information is accurate. I've disputed these inaccuracies at least 6 times and nothing changes.
Product: Payday loan, title loan, personal loan, or advance loan

I was making a purchase at XXXX I used the " pay now with affirm ''. I was directed to the affirm website. I applied, I was approved, affirm took a deposit of {$61.00} then redirected me back to XXXX, but XXXX indicated an error. 

I contacted XXXX and they said to contact affirm. I contacted affirm and they said to contact XXXX. Affirm claims that application XXXX was used to pay for XXXX order XXXX. XXXX claims they have no record of any of it. 

After many hours of back and forth like this I managed to get both of them on the phone to talk to each other and neither party could figure out a resolution. 

In the meantime, they have taken my money as a deposit on a buy now pay later loan for {$260.00}. I will be making monthly payments for a year on this loan for a product I will never receive and since it's tied to my bank account I can't even charge it back or put a stop to the payments. 

There is no one at either company who is able or willing to help. I have been told I will need to wait a month and then reapply. Why would I need to reapply if I was approved and they took a deposit?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I worked with a company XXXX XXXX XXXX who " bought '' a credit card debt from XXXX XXXX. In a good faith effort to pay that debt and clear it up, I paid the " OFFER '' amount to settle it in full for XXXX out of XXXX owed. I paid the XXXX to the collection company on XXXX 's behalf and XXXX refused to and still refuses to show " settled paid in full '' according to my agreement with XXXX, XXXX who provided me with a letter stating " Settled in Full ''. 
IF XXXX  is representing as XXXX XXXX collector than I should be given the curtesy of having my account reflect the fact that I did the right thing and paid the agreed Settlement amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. section2 : States a consumer reporting agency can not furnish a account without my written consent XXXX XXXXXXXX Experian XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Closed Closed Closed Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3300.00} {$3300.00} {$3100.00} Credit Limit : {$3100.00} {$3100.00} {$0.00} Past Due : {$380.00} {$380.00} {$380.00} Payment Status : Late 90 Days Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity. 
Accounts closed by credit grantor Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history
Product: Debt collection

I entered an agreement last year with portfolio. The amount paid ach month is {$32.00}. I recently made my payment on XX/XX/XXXX in the amount of {$32.00}. The balance at this time should be {$2700.00}. The amount of {$32.00} paid and taken amount of my bank account was not credited to the account. The balance is still showing the amount of {$2700.00}. Where is the amount that I paid of {$32.00}??? I contacted the customer support line and was told that I made 12 payments but no reference to the amount of {$32.00}. TH rep then proceeded to cancel my agreement. I did not ask for the agreement to b canceled. I want to know where did that money go and why was it not credited to my account. This is extremely frustrating and disturbing. This is causing me extreme stress since I have been paying this debt collector in good faith and now this. I have had numerous issues before with this company. Please help me. 

Status : No pending payment or plan Your payment plan for this account was cancelled on XX/XX/XXXX Account Number : XXXX Account Balance : {$2700.00} Seller : XXXX XXXX  Merchant : XXXX XXXX XXXX Whom Debt is Owed : XXXX XXXX XXXX XXXX XXXX  Acquired On : XX/XX/XXXX Original Creditor : XXXX XXXX Account Open Date : XX/XX/XXXX Last Payment : {$32.00} on XX/XX/XXXX Original Account Number : **** Charge-Off Creditor : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

APPLIED FOR CREDIT CARD FROM HUNTINGTON BANK, RECEIVED LETTER DATED  XXXX    XXXX ,2017  THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING (  XXXX ,  XXXX  ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... ..  XXXX   XXXX  HAVE LIVED IN  XXXX   XXXX   XXXX   XXXX   XXXX  FOR  14  YRS. BEFORE THAT @  XXXX   XXXX   XXXX   XXXX . ALSO IN  XXXX  FOR  29  YRS.
Product: Credit card or prepaid card

I received an automated called on XX/XX/2020 from the company telling me to call them so when I went I to my account to see if there was any reason for them calling I realized I was 7 days late for my payment and I paid it right there then set up a payment for XXXX. On XX/XX/2020 I got an email from XXXX  XXXX  saying my credit report was updated and when I opened it to see what updated, I saw that the company marked my credit report as 30 days late. I disputed it and on XX/XX/2020 I got a response that said that my file was once again updated and this time they marked me 30 days late for XXXX and XXXX even though my due date for XXXX wasn't for another 3 days. When I go into my account, it doesn't show I'm late at all and I'm paying theinimum payment that I'm supposed to pay. When I called to talk to them, they're claiming I haven't made a payment since XXXX but my account shows the payments. The company wants nothing to do with cooperating with me and keeps putting hits on my credit report and took me off of the hardship because " I didn't make 2 consecutive payments ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CFPB I am XXXX XXXX I am a living human being born in the united states of America, and am afforded all of the rights that sbeing born an American should provide.I recently read you alls traing manual and I have to say that CFPB as a whole is falling way short of the job description from wich you were hired to do and expected to do by the government agency that started the formation .your function is suposed tobridge trhe gap between the cra and daa furnishers but you do nothing but pass notes and how it it a relationship mending decision to allow a cra to decide for themselvs if the have commited any violations and weather oe not to pay for their violations wich the fcra states the are required to but who evers running the show aqt the cfpb and got to be getting paid by the data furnishers and cra 's only way i can think of why all of thus would be fine.thats not the complaint just a little piece of my mind on the XXXX job you do as a collective. 

My complaint is against trans union in complaint XXXX I brought a complaint against trans union for taking longer than the 45 days max that the fcra gives to an investigation or a reinvestigation and the totally ignored the fact that they were past the alloted time to respond, but said that the wasnted to know what file i am refranceing form complaint number XXXX stating that they do not know wich file i am requesting to delete wich there is only 1 file in that complaint, they also wanted me to explain why, At this point It is not ness, to explain anything other than they took past the fcra allotted time to answer my complaint so now they must delete end of dissscussion .I think they are being difficult because i am bring legal action against them pease enforce ther delete
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I have no information about this, and the company proceeded without my permission.
Product: Debt collection

Radius Global Solutions has continuously called my cell phones. They usually ask who I am and when I will not give them my information until they identify themselves, they hand it up. Today they called and asked for XXXX XXXX and again played games. I have spoken to this company countless times, and even tried to reach their corporate office, and all I get is a run-around. 

It's obvious they are using free-to-search databases online in hope of finding this person but keep calling my number even though I told them to STOP... I have had my number since well before 2004 so I know this company is full of XXXX to say, the debtor listed this number. 

This is harassment .... My number is on the do not call list and I do not know the XXXX 's
Product: Vehicle loan or lease

I took out a car loan with First Bank of Puerto Rico back in XX/XX/XXXX. I completely paid said loan on Tuesday XX/XX/XXXX. When paying off the loan, I accidentally made an excess payment through their online portal for the amount of {$490.00}. I contacted the bank throughout the month of XXXX to get the payment back and have been compliant in providing evidence from my primary bank, XXXX XXXX XXXX XXXX EXHBT 1 ). Even after showing the evidence, the bank denied having received the payment. After several weeks on XX/XX/XXXX, I get a letter dated XX/XX/XXXX stating that they did indeed receive the payment and that they would be sending me a check with the amount ( EXHBT 4 ). 

To this day, I have not yet received the promised check from the bank. I keep calling every month and their Department & Lending claims staff say they have tried sending the check to my address and that it is not valid. This does not make sense as they sent the letter saying they would pay the money back to the same address! 

They have also stated that they have called my phone number which is false as I have not received any calls ( XXXX ). They never call me back to try and resolve the issue and just say " They will try to escalate and get back to me '' It has been 4 months of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to reach out to this company on several occasions. It is hard to first of all get someone on the phone, but hen someone did they just said '' hello '' I had to ask to make sure I was calling the right place. Then they were asking for all of my personal info. I told them if you have enough information to place it on my credit you should be able to pull it up by my phone number and address. So then they claimed that they had found it but gave me all different totals of the so called accounts, and when I told them that those were not the totals that I had, they told me that it was my problem an go XXXX yourself then hung up. That mad me furious so I called back and requested to speak with management, that is not how you talk to someone that you claim has an account with you. They told me that I could not speak with management and I had to talk to them or no one. So I told them I would try to call another branch and they told me if I didn't pay them on that day that they were going to place my account in processing to be sued. I asked for what and they responded with " we ask the questions here not you '' Again I requested management and they hung up.
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  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or 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 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: Credit card

Dispute of Charges for Fraudulently Opened Credit Card - FTC Identity Theft Report To whom it XXXX concern, I am writing to formally dispute charges from Capital One related to a credit card account that was fraudulently opened in my name. I never applied for nor authorized the opening of this account. Since XX/XX/year>, I have been receiving collection letters demanding payment of {$330.00}, which I believe to be fraudulent. 

I have taken the following actions : Initial Contact : I contacted Capital One 's customer service to report the fraudulent opening of the card and to request its immediate cancellation, as well as the removal of any associated charges. 

FTC Report : I filed an identity theft report with the Federal Trade Commission ( FTC ) regarding this case of fraud. 

Bank Dispute : On [ the date ], I formally requested my bank to reverse any charges related to this card and to safeguard my existing accounts. 

Under the XXXX XXXX XXXX and other applicable laws, I demand that the necessary measures be taken to resolve this matter promptly. I expect all collection attempts to cease immediately, and I request an investigation into this incident to prevent further issues. 

Please find attached copies of the collection letters, my FTC report, and any other relevant documents. 

Thank you in advance for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of applying for a home loan and in the process I discovered that Macys reported a charge off/collections under my social and name to XXXX from XXXX. I previously had a Macys account and closed the account in XXXX but XXXX paid the account before closing it. I contacted Macys about the charge off to see what was going on and they informed me that they did not report a charge off and the only records in their system indicate that I fully paid off the balance and closed the account in XXXX. Since they could not seem to find anything, they referred me to Citi Bank who might have more information. Upon contacting Citi Bank, they shared the same information Macys shared. I had an account in XXXX with Macys and the account was fully paid off and closed in XXXX. I do not owe them a balance of {$1300.00} as the charge off amount indicates on any XXXX  Credit Report. Citi bank suggested a submit dispute as I do not owe them any money and they have no record of this charge off. I spoke to Citi Bank representative named XXXX.
Product: Debt collection

My student loans was with the XXXX XXXX XXXX. I paid automatically every month through my bank. In XXXX XXXX XXXX XXXX started returning my checks so I checked my account online and it said my balance was XXXX. This month I started receiving debt collection calls about my student loan saying it was in default. This was the first I heard of this, I thought my loan was paid off. I called XXXX XXXX XXXX and they said they transferred my in XXXX. I was never informed by anyone. I called XXXX and they said they received my account on XX/XX/XXXX. I never received any information about this. I spoke with a lady named XXXX at XXXX, she said they mailed a letter to an address ( XXXX XXXX XXXX. ) that I have not lived at for 15 years. The letter was mailed In XX/XX/XXXX and she said it was returned because it was the wrong address. There was no other attempt to contact me. In XX/XX/XXXX ECMC took over my account and again I was never contacted. I spoke with XXXX at ECMC and she said they mailed a letter to the same wrong address ( XXXX XXXX XXXX. ) on XX/XX/XXXX. I never received a letter or any information from ECMC or XXXX. My address has always been current and updated with the United States post office and on my drivers license. Also, XXXX XXXX XXXX XXXX has always had my current address. There is no reason I should not have been informed of my account being transferred to XXXX. Then it was supposedly late with XXXX and then it was in default. I was unaware of all this. My credit has been perfect until XXXX and ECMC failed to notify me that they have an account with me.