23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A medical procedure was performed while I was under workman 's compensation insurance in XXXX XXXX. There was a billing error and the insurance company never received or paid the bill for XXXX ( XXXX XXXX XXXX ). I was overwhelmed with the circumstances and unemployed by the time I received the bill. I did not pay the bill and the bill went to a collection agency ( XXXX ). Eventually that debt was picked up by Pressler & Pressler of XXXX, NJ. Pressler and Pressler 's attorney, XXXX XXXX XXXX, filed a Notice of Motion Turnover and seized assets from my bank account in the amount of {$1600.00} in XXXX XXXX. This was done through a Civil Action of XXXX XXXX XXXX vs. me. The original judgement was for {$4.00}, XXXX plus costs. I was unable to pay this bill or hire an attorney. In XXXX, when I found work again, Pressler & Pressler went back to court and filed a Wage Execution and continued to take money to cover the bill as well the fees they continued to create. Pressler and Pressler refused to communicate via email and always talked on a recorded line. Pressler and Pressler took over {$4000.00} of my money. I have recently called XXXX ( the company holding the debt ) they informed me that my balance is still unpaid. 

Eventually when I secured employment again and got my life back in order I called XXXX XXXX XXXX and they informed me they would have worked with me on the bill. That amount is what they charge insurance companies and rarely get the total amount so they also would have settled for less from me. XXXX XXXX XXXX is using a new computer system for billing and they are unable to produce the original bill for me. 

In the summer of XXXX, I found out that I was covered by workmans compensation insurance during the time of this procedure. The workmans compensation insurance company was willing to reimburse me what I paid out of pocket to Pressler and Pressler, but they needed to see the original bill. I have contacted Pressler and Pressler as well as the XXXX company and neither will provide the original bill for which they took my money. I am at a loss and feel extremely taken advantage of by Pressler and Pressler.
Product: Debt collection

Hello, I receive repeated collection attempts from COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempting to collect money that I DO NOT OWE to previous apartment complex XXXX XXXX. Before ending my lease at this apartment, several letters were posted on my door, and I assume other tenants ( XXXX XXXX ) concerning options to end lease due to COVID-19 income loss. During this time, our leasing office had no one working on the premises for months - I reached out via email and asked a representative what kind of notice would I need to provide to end my lease and I was told that I needed to provide 60 days notice to avoid having to pay any additional money. I provided written notice via email early XX/XX/2020. I received no collection attempts for ANYTHING owed by XXXX XXXX until Columbia Debt Recovery started harassing me and placed and erroneous {$6000.00} collection debt on my account. They have provided a print out with a break down of charges but I dispute them wholeheartedly. I was given permission to break my lease with 60 days notice and I do not owe this money that is hurting my credit. I request that this account be closed and the balance deleted from my credit report as soon as possible.
Product: Mortgage

On XX/XX/2018 I contacted a loan officer XXXX XXXX at Residential Mortgage in XXXX, NC and I told her that my husband and I wanted to use his VA loan to purchase a home and this is our first time buying. She then asked me how much were we looking to spend in mortgage per month and I said no more than {$1100.00}. She emailed the application, we filled it out and sent it in. A few days later she informed us that we were pre-approved for {$160000.00}. We corresponded back and forth through email and telephone. On XX/XX/2018 our offer got accepted on a home. I had already been packing up our home getting ready for the move. The loan officer was aware that when our offer got accepted that I would put everything in my house in storage and move in with my mother until we closed on the new property. The loan officer did not tell us that she hadn't completed the steps for the VA Loan and that we had not yet to be approved for the VA Loan. Had we known we hadn't been approved yet we would have waited on moving out our home and putting things in storage. We were due to close on this property on XX/XX/2018.  The week before we were due to close she informed us that we did not get approved for the VA Loan because my husband did not serve enough time during his ERA. She went on to say that she could try us with a FHA Loan. Then told us that we would need to contact someone else because she could no longer be of assistance to us. So now I'm out of {$370.00} for an inspection on the property and {$230.00} for paying 2 months of storage. Had we been able to close on the house we wouldn't have paid anything for storage because we got the 1st month free. My husband was working/living out of town since XX/XX/2018 and the kids and I lived at my mothers where we shared a bedroom for 3 months and had to sleep on the floor because our loan officer waited until XX/XX/2018 to tell us that she couldn't help us.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # Acct # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im having a problem with the credit bureaus. I have worked very hard to get my credit score to where it was prior to XX/XX/XXXX. I admit I was not always responsible when it came to the balances of my credit cards but I always paid my bills on time. I was severely impacted by XXXX XXXX my husband lost his job and he has just recovered from XXXX failure prior to that and the kids had to stay home and I have XXXX children and I also was on XXXX so I things got hard and I had to pay rent before credit cards. Then in the middle of XXXX the owner of the house we were renting needed to move back because of XXXX and by then my credit dropped so low that nobody would rent to us.Since then Ive caught up on payments but unfortunately some accounts got closed. Nothing matters but that score and it didnt matter that all my payments were on time before the 3 months I missed and payment history was still excellent and I make good money now that Im back at work full time, Ive at job for 4 years nobody would except us so were homeless living in a motel. I have credit repair company that is supposed to be helping me but I think its really a scam the company is XXXX for XXXX XXXX and another name they use is dispute my XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. My family and I are homeless because of my score and theres anything you can do to help. The property management companies told me I was denied because of my credit score and they said I had an eviction but not provide me with anymore information when I asked and their name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. And I have an credit card account with XXXX XXXX XXXX XXXX XXXX its an secured card with a limit of XXXX opened on XX/XX/XXXX and I never missed a payment and they let me make two payments and then closed wrote it off as a charge off with only about {$89.00} owed never contacted me to see what help that could be provided. And all of the address on credit report are not accurate except for the XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Experian, XXXX and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian, XXXX and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX-XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX
Product: Checking or savings account

Bank of America has unlawfully charged me monthly maintenance fees on my two UTMA custodial accounts for my minor children. Ive been repeatedly charged $ 12 monthly maintenance fees for both of my UTMA accounts over several years. Ive tried to have this issue fixed several times but the waiver of being a minor has not been placed correctly and we continue to be charged on these two UTMA accounts, Id like all fees returned for both custodial accounts as this practice is unlawful. 
Ive called in several times and also gone into branches, Im told its fixed then it starts again. Originally I was told a {$25.00} weekly transfer will waive the fee but the accounts are UTMA accounts and dont require a minimum amount. It seems to be the wrong account type has been the issue and bad information has caused this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the method the method of verification regarding an unverified Bankruptcy on my XXXX XXXX Consumer report. I initially mailed off my first dispute asking them to verify the Bankruptcy on XX/XX/2019 and they responded with it as being verified. However, I have a official letter from the Bankruptcy Court stating that they do not verify Bankruptcies or release information to 3rd party agencies or credit bureaus. So, I sent a second letter on XX/XX/2019 informing them of that and then asked them to verify it again. I got a response back saying that it was again verified directly with the court where the Bankruptcy was filed. 

I recently sent of a 3rd letter on XX/XX/2019 and have attached the actual copy of the letter from the United States Bankruptcy Court that clearly states that they do not release information or verify information with any 3rd party agency and have asked them for a method of verification.
Product: Debt collection

I disputed with all three credit bureau and the remove as you can see below I changed and then they keep adding back and it keep disputing with both XXXX XXXX XXXX and CAVALRY PORTFOLIO in dispute Original creditor : CAVALRY PORTFOLIO SERVIC Result Changed Information updated on this item XXXX investigated your dispute and updated the information you flagged, as well as other information for this item, on your report. 
See my updated report I'm not satisfied with this result But then add back Item in dispute Original creditor : XXXX & XXXX Result Changed Disputed item deleted XXXX investigated your dispute and deleted this item from your credit report. 
See my updated report I'm not satisfied with this result Dispute reason Accuracy The contract related to this account has been cancelled. 
The balance and/or past due amount are/ is incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer under title 15 chapter 41 ; NEVER GAVE any credit reporting agency written consent to report anything on my consumer report 15 U.S Code 1681b ( a ) ( 2 ), No consent is Identity Theft. If all accounts are not removed ; the consumer is owed actual damages under 15 USC 1692k.

In light of these violations of my consumer I've sent certified mails to all three credit bureaus with tracking numbers to attest the validity of my claims. 

XXXX  ( Tracking # XXXX XXXX The item was delivered to an individual at the address at XXXX XXXX on XX/XX/2021 in XXXX, TX XXXX. 

Equifax XXXX Tracking # XXXX ) The item was delivered aXXXX XXXX XXXX on XX/XX/2021 in XXXX, GA XXXX. 

XXXX  ( Tracking # XXXX XXXX The item has been delivered to an agent for final delivery in XXXX, PA XXXX on XX/XX/2021 at XXXX XXXX. 

In my attached files are copies of the law.
Product: Checking or savings account

Hello Today I received a letter stating I had opened an account with PenFed Credit Union. I have no knowledge of ever opening an account with this institution. I call to PenFed Credit Union and the first call was directed to rewards center. after a representative transferred the call. I called back and the call was placed on a very long hold, reprentative came back on said they were filing a fraud claim. I then asked to speak to a supervisor and again a very long hold time. This representative advised me that the account was opened XX/XX/2022. I asked who set up the account she had no knowledge of who opened the account. I then advised the representative that someone used all my personal information to open this account.Supervisor advised because I opened a loan with loan pal and i agreed to this account being opened. I never agreed and this may be fine print
Product: Payday loan, title loan, personal loan, or advance loan

I paid the remaining for this account early this month of XXXX. I tried to log in on XX/XX/XXXX to get the statement through the online banking service, and I couldn't login. I attempted changing user ID, password, everything. Nothing. I called a customer representative on XX/XX/XXXX, and they told me they couldn't provide that information to me. They then changed their statement during the phone call, saying they would send it through email but that I takes up to 5 days and by mail from XXXX days. She explained to me that I was active in online banking, that she didn't understand why I couldn't login. I told her that it was my last payment, then she told me probably you got kicked out because you finish the paymentsI asked her if that was true, why I can't see my statement. She said : Well, I don't know if you paid off, I can't tell you this information. I continued begging for it, then she said that the issue was that wasn't the only one in the account. Explained to her that my dad co signed, but I've been the only person getting statements mailed and paying everything, my dad doesn't even lives in the country. Then she saidOk, I think I can send you the statement I agreed to have the statement sent through both channels. Never got it. A customer service representative called me yesterday, XX/XX/XXXX, since I left negative feedback. She promised me to sent me the statement that same day through email. I get an email, encrypted, to read a message this morning at XXXX. I followed all the steps, and I get an error message. I'm still not able to see that statement, which I desperately need to complete an application to be pre-approved for a mortgage. I sent her an email explaining the situation, and no answer from them. I still don't know why I can't get this statement.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts opened atXXXX XXXX account number XXXX date XXXX XXXX, and XXXX XXXX, account number XXXX date XX/XX/XXXX and a collections account opened at XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute against erroneous information reporting on my credit report XXXX XXXX. the  investigation was completed XXXX XXXX and the results were the item was deleted off of my credit report. One XX/XX/2020, the reporting agency RE-INSERTED the information on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement offers for both XX/XX/XXXX Reference No : XXXX ( Original Creditor : XX/XX/XXXX XXXX Account No : XXXX Balance : {$550.00} ) which was {$270.00} and XX/XX/XXXXReference No. XXXX ( Account Summary Original Creditor : XX/XX/XXXXAccount No : XXXX Balance : {$500.00} ) and {$250.00}. 
I was told on a recorded call both debts would be deleted.
Product: Credit reporting

My credit was compromised in XXXX which has created ongoing problems and aggravation. I have spend hundreds of personal man hours and XXXX dollars paying monitoring fees to the bureaus and consulting fee to various companies to attempt have my credit history accurately depicted. Most recently, someone made numerous attempts to obtain credit using my social security number in XXXX of XXXX. I had a fraud alert on my file prior to this most recent intrusion. My complaint is the following : 1 ) I was not called by any of these creditors at the time of inquiry because Equifax did not have my telephone number included in my fraud alert 2 ) When I called to notify Equifax that I did not authorize these inquiries, they presented a flawed interpretation of the FCRA which was grossly inconsistent with XXXX and XXXX. I told Equifax to contact these creditors and have them prove I made these inquiries. For example, request the application that was submitted. See what address was used, compare signatures, speak with the loan officer etc. I explained that these creditors can not prove that I applied for credit because I did n't do it!! XXXX and XXXX removed these false inquiries with no problem! Equifax said that the law does not require them to verify that these inquiries are valid only that they occurred. That fact that they occurred, makes them a matter of factual record. What!!? If someone steals your information, and applies for credit, of course it occurred! They said that I have to do their job by investigating each inquiry and then requesting the creditor to contact Equifax and rescind the inquiry. Excuse me? You do n't get to cherry pick through a Federal Law and decide what parts you feel like complying with. The rep made the comment that the " creditor is their client not me ''. That has no bearing on Equifax 's obligation to fairly report my credit, furthermore, I am a client too, because I pay for their subscription service. I insist that they comply with the law and do their job verifying that I arbitrarily and inexplicably decided to appliy for credit XXXX times in XXXX of XXXX. Or, they can pay me a {$25000.00} consulting fee to stop my life and travel to these creditors to investigate these inquiries to find out what I already know. Pardon my sarcasm, but their position on this matter is laughable and offensive. How dare they take this monarchal approach that I 'm guilty until I prove myself innocent, because they are too lazy to do their job. 
3 ) In what I believe to be a retaliatory strike from earlier complaints, Equifax removed my positive credit history along with the fraudulent accounts! 

I thank you your department for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s )  below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX
Product: Mortgage

I have had XXXX modification with no help. Never received any considetationin lowing my payments. I following all guildlines required under the HAMP. Also, I went through the three months programs in a timely manner. My issued beingthey never decreased my interest rate to help me with my payment. The 31 % guildline make it imposible to obtain. No flexiable consideration offer above of be-low this percentage consider. Never given the consideration due to the basicincrease in Taxes, Hm Ins. Food and transportion. I feel they are discrimationinvolve and dont want us to modify due to my race. We only want to make a reasonable payment. On limited income soc sec.