23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had a lease with XXXX XXXX XXXX michigan that endedXX/XX/XXXX. I paid my rent as agreed in the lease for the entire 12 months. In XXXX i subitted my written notice to vacate with my rental payment. The check was cashed. When i turned the keys into the office on or about XX/XX/XXXX they asked me to fill out a form and i did so. I think the company is using that form and ignoring my written letter from 60 days prior to say i violated the notice clause in the lease. I never received my XXXX security deposit and i did not get a list of damages from the apartment complex within 30 days, but i did give them an address within 4 days of vacating as set by law. I called once to inquire about the security deposit but no one ever called me back. On XXXX or about 90 days after i vacated and lease expired i received a notice from XXXX and XXXX stating I owe {$1500.00} to them for the apartment. I called the apartment complex first and they gave me this collection co number to answer any questions. I called and asked how they came up with {$1500.00} in charged and they stated I didnt give 60 days notice to vacate and they said there was damage to the apartment. The collection company said the debt will be eligible for a judgement on XXXX XXXX th, which I took to mean I was Being sued but they couldnt/wouldnt tell me where. I believe the threat of legal action is not appropriate because the apartment has not followed the law on how they handled my security deposit and in Michigan a landlord has 45 days to start a law suit which they failed to do and typically this means after that deadline it is not a legitimate debt. The collection compsny demanded {$1500.00} and i sent a certified letter disputing the debt and asking how they calculated the fees. They responded onXXXX with a statement showing a {$1200.00} nonsufficient notice fee that is not listed in the lease. This statement was dated XX/XX/XXXX but it was never received by me and when i called the leasing co to ask about the security drpisit no one ever called me back and when i called after getting the first letter they referred me to the collection company who demanded the money and told me they would seek legal action on XXXX XXXX th- whic is a weekend. I felt threatened that if I didnt pay this would create legal problems for me and destroy my credit. Because they wouldnt tell me how I could defend myself against a lawsuit from them I felt like i had no option but to cooperate with them and give them information they were seeking.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello when I was XXXX I went to trade school and took out 2 Federal Loans through Navient in XXXX. The next year which was XXXX the loans were put on hold because of the financial disaster that had occurred and approximately a year later the loans were made active without notification. My Mother was paying these loans at the time and she was never informed of the reactivation of the loans. Neither her or I were informed when it became active again and when we finally found out it went unpaid for 10 months at which point we paid both accounts in full. It shows as a derogatory mark on my credit report. It not only shows once but four times. One account opened on XXXX and one opened on XXXX. Both accounts show twice on my credit report under different account numbers. It seems likely that they made a duplicate of each account, one is derogatory and one in good standing. 
1st Acct # XXXX XXXX Acct # XXXX I have spoken to my tax attorney and this is clearly an error and he advised me to make a complaint through Consumer Finance. Im currently trying to buy a home for my pregnant fianc and daughter but have been turned down because of this error. I have attached all four accounts and you can clearly see that they are duplicates of each other being created on the same dates and having the same amount.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to formally dispute fraudulent accounts and inquiries appearing on my credit reports. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) Section XXXX ( XXXX XXXX Code XXXX ) and demand the immediate blocking and deletion of all the fraudulent items listed below. 

According to FCRA XXXX XXXX, it is illegal to report any unauthorized information on my credit report without my consent. The following accounts, credit inquiries, employers, phone numbers, and addresses were fraudulently added to my credit profile and must be removed immediately : Fraudulent Credit Accounts & Unauthorized Inquiries to Be Deleted : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Accounts Opened in My Name : XXXX XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$490.00} XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$100.00} XXXX XXXX Account ending in XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$330.00} Medical Fraudulent Charges XXXX  XXXX  XXXX Opened : XX/XX/XXXX Discovered : XX/XX/XXXX Fraudulent Amount : {$6000.00} Unauthorized Employers to Be Removed : These businesses were fraudulently added to my credit report, and I have never worked for them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Unauthorized Addresses to Be Deleted : These addresses do not belong to me and must be removed from my credit file immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Phone Numbers to Be Removed : These unauthorized phone numbers are not associated with me and must be deleted : XXXX XXXX XXXX XXXX XXXX Legal Basis for Deletion & Immediate Action Required : Under FCRA XXXX XXXX, you are required to block and remove all fraudulent information from my credit report upon receiving my valid identity theft report. Additionally, I request that you send me written confirmation once these items have been permanently deleted. 

If you fail to comply, I will escalate this complaint to : Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office Federal Trade Commission ( FTC )
Product: Credit card or prepaid card

On about Monday XX/XX/XXXX, I received a credit card statement from XXXX - XXXX XXXX XXXX XXXXXXXX. The balance to be paid was listed as {$4900.00}. I thought that to be too high of a figure. 

On XX/XX/XXXX, I called XXXX to question the total and requested Staements from XX/XX/XXXX thru XX/XX/XXXX. During the phone call I stated that I would pay down that statement total of {$4900.00} to {$0.00} within 24 hours. I would review the past 3 months of charges once I received the requested months of account activity and contact XXXX  if I found a discrepancy. 

On XX/XX/XXXX, I had XXXX XXXX print a bank tellers check for {$4900.00} with XXXX - XXXX XXXX XXXX XXXXXXXX as the creditor. ( This WAS NOT a hand written personal check, it was a guaranteed printed BANK CHECK ). I sent the {$4900.00} payment PRIORITY MAIL OVERNITE to XXXX - XXXX XXXX XXXX XXXXXXXX. 

On XX/XX/XXXX ( 7 days after the {$4900.00} Bank Check was received by XXXX  ), I tried to use my XXXX  - XXXX XXXX XXXX XXXXXXXX and was denied. 

After calling XXXX, and speaking with 3 reps and 2 supervisors for over an hour, I was told the following : I would not be able to use my XXXX  - XXXX XXXX XXXX XXXXXXXX until XX/XX/XXXX - as it must clear first & because I paid the balance in full and the amount of the payment was so high, it would take till the current billing statement period closed til my card could be reactivated. 

I'm angry! I paid the full balance using a bank issued check and it takes almost a month for a check to clear? 

Please look into this incredibly odd business practice and fix it for everyone.
Product: Debt collection

Complaint Against [ XXXX Credit Bureau ] Regarding [ No proof of verification on debt ] Details : I am submitting this complaint about [ THE BUREAUS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX IL XXXX ] regarding [ XXXX is unable to provide proof of debt from debtor on my credit file ] due to [ Creditor THE BUREAUS unable to provide adequate proof of debt although XXXX continues to report this file on my credit report ]. 



Thank you for addressing this matter promptly.
Product: Checking or savings account

on XX/XX/2020, U.S. BANK Located on XXXX XXXX XXXX , XXXX, IL XXXX, Shut down my account and held over {$4000.00} in the account for absolutely no reason, they gave me a numbber, her name is XXXX, i don't know what she does but all i was given is a phone number : XXXX, when i called her, she said, OH you sent money thru the account and received money, sorry but we're shutting down your account, that was ALL, no reason at all, they have caused me financial damages right now unable to pay bills on time and many other problems, and they're refusing to hand me my money, they said it will probably take months for you to be able to get them, please i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I submitted my police report to the three major credit bureaus. Using my police report as proof I tried disputing accounts and inquiries with XX/XX/XXXX, XX/XX/XXXX and Transunion multiple times. Every dispute I intiated never went in my favor even with my police report. Their are car loans, bank loans, and closed credit cards reporting on my credit that were fraudulently opened and the credit bureaus won't do anything to get them off. 


XXXX XXXX XXXX ( {$16000.00} ) XXXX XXXX XXXX ( {$12000.00} ) XXXX XXXX ( {$3500.00} ) XX/XX/XXXX XXXX XXXX ( {$760.00} ) All those accounts are fraudulently opened and I've disputed them but the credit bureaus won't delete them
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX Original creditor XXXX XXXX BANK ) XXXX Balance : {$4800.00} ; XXXX XXXX XXXX ( Original creditor XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX Inquired on XX/XX/202XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/2023.
Product: Mortgage

Our loan got transferred from XXXX to Lakeview Loan Servicing LLC ( XXXX XXXX ) on XX/XX/XXXX which gave us a 60 day grace period to submit payment for XXXX and XXXX. Reasoning for us to delay our mortgage payment was because XXXX had our wrong address on file resulting in several lender placed insurance policies as well as incorrect property tax projections that led to our mortgage going from {$3600.00} to $ XXXX. We used these 60 days to update our property address with XXXX and after this, we requested an escrow analysis, which brought our mortgage payment down to approx {$4400.00}. 

In every single call ( recorded ), the XXXX team not only assured us that there wouldnt be any negative credit impact on our files but also confirmed that we had until XX/XX/XXXX to submit payment without late fees and any negative credit reporting. 

After submitting full payment on XX/XX/XXXX, I woke up to a XXXX drop on my credit file. 

We have reached out to their team requesting these transcripts but they wont release without subpoenas. In addition, management stated that even if their representative was incorrect in giving us that information ( multiple reps said this ), that they were confident that our negative credit impact would remain. 

How do we go about this?
Product: Bank account or service

Someone used my debit card number, not the actual card to rent a car and said they had my permission which they did not. I do not know the person. I filed a dispute with JP Morgan Chase which they applied a temporary credit for XXXX there were multiple charges ) they later reversed some of the credits. the total was over {$10000.00}. They told me XXXX had sent them paper work with someone elses name and my debit card number ( not through a POS ) and this constituted proof that I gave the unknown individual permission. This is " under investigation '' with XXXX now.
Product: Debt collection

This is on my credit reports. I do not believe it is right. I have never received mail from them. I do not want them calling me.
Product: Debt collection

I received medical care from XXXX XXXX XXXX XX/XX/2018. I had XXXX insurance. They never billed me to my correct address and I never received any notice of a medical collection notice from California Business Bureau XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX for {$3000.00}. This has impacted my ability to get credit and my score by 80 points. I contacted XXXX XXXX and they took my insurance Information to bill but CBB has not been helpful in removing the remark or communicating with the medical center.
Product: Debt collection

on XX/XX/year> i called nca and asked for purchase agreement and a debt validation they said they could not provide me with that information
Product: Credit card or prepaid card

I am a XXXX XXXX Banking XXXX, with XXXX active credit cards from them. I have never been late with any of my cards ( chase or non-chase ), and have paid all of my cards in full every month. Also, the amount of money I have in my Chase bank account is a lot more than the credit limit they have extended to me so far. On XXXX XXXX, XXXX, after looking into my online banking account, I noticed that all my credit cards have XXXX available credit limit and are noted as closed. While really panicking, I called chase card services and all they are telling me is that the cards were closed due to bank 's policy with no further explanations or notes on the account. They are not telling me any details, other than that a letter will be sent out to me within XXXX to XXXX business days. The action they have taken is going to destroy my credit history since my XXXX cards are the oldest credit cards I have ever had, and most of the credit cards I have are with XXXX, and I put almost all my spends on them.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Consumer Loan

I submitted XXXX applications through the Bank of America, which were both declined and as a result, have negatively affected my credit score due to the number of credit enquiries. The first application submitted for an additional credit card was declined due to not having a 'credit history '. I was issued a letter outing this however, no information was provided to me confirming what the Bank of America classifies as a 'credit history ', how long it would take to establish a 'credit history ' or what I could do to establish a 'credit history '. I did not receive a follow-up phone call or information advising where I could access this information. 

The second application for refinancing on an auto loan I submitted on XXXX XXXX, 2016. I submitted my second application confidently once I was given strong advice by XXXX of your employees that I would not have an issue with the approval of this application given I have been banking with Bank of America for over a year and other factors that were discussed. These employees were XXXX XXXX, a personal banker and the XXXX XXXX, XXXX XXXX location and XXXX XXXX, a relationship manager at the XXXX XXXX XXXX, XXXX XXXX location. My XXXX application for refinancing was declined due to not having a 'credit history '.
Product: Credit reporting

XXXX XXXX XXXX XXXX. Had a disagreement w/ XXXX. Refused to pay. 
XXXX closed account due to lack of Pmt -- XXXX XXXX. Did not report pass due till XXXX XXXX. You ca n't have it XXXX ways. When does the clock on 7yrs start ticking? 
Spoke with EQUIFAX -- -AGAIN today. Was told by someone who spoke very unclear english that it will NOT come off till the balance is PAID. Also that the time ( 7yrs ) starts when it was turned over to the collection company. We went over and over and over the legality of this -- - to NO avail. Very Frustrated. Please help. XXXX yrs old. XXXX Vet. Trying to obtain a VA Mortgage. Both XXXX and XXXX agree on the report times ( 7yrs ) and have removed. 
Thank You So Very Much For Your Help, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified account listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. XXXX XXXX Date Opened XX/XX/XXXX XXXX {$0.00}.
Product: Mortgage

On XX/XX/2022, my husband and I applied to BMO Harris for a mortgage loan for fha due my my lower credit score of XXXX, we had already been in the market looking at other banks so I know what my mid scores are and I figured I worked for this bank and they have special discounts for employees, so we wanted to apply. As always I do my research to see what banks credit score requirements are for fha loans, and on BMO Harris website, it states a minimum score of XXXX ( I have that ). So we applied! I got an email from a loan officer by the name of XXXX XXXX, that said, Unfortunately my score is a XXXX ( this I knew already ) and it has to be a XXXX. I then responded even for fha loans? She replied, yes if Im a first time home buyer I need a XXXX. I then proceeded to tell her that BMO website stated otherwise which showed a XXXX credit score and advise her that if that was a requirement that should have been stated in the website where I would have reconsidered applying knowing that I dont meet the requirement and would have never took the time to apply and have my credit ran for a another ding to my credit report! She had yet to respond back!
Product: Credit card or prepaid card

I learned on XX/XX/XXXX, from USAA that On XX/XX/XXXX, a USAA credit card application was initiated and approved using the USAA member number XXXX in my name XXXX XXXX XXXX for an individual account that I did not open. This XXXX card required a USAA member number that I did not know, nor did I ever know I had. It reported a monthly income of XXXX which is not accurate. I was unaware that I had access to a different XXXX USAA credit card with a XXXX limit. The XXXX USAA card was opened jointly in XXXX and approved using my income, but without my knowledge or consent using the same member number. On XXXX XXXX, XXXX, The records show a change of address for XXXX XXXX to XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX VA. The same member number was used on the same day for this new application with a XXXX credit limit. There are 2 drug purchases on the initial XXXX approved XXXX USAA attached to my name. Those RX prescription drugs were purchased in XXXX and XXXX from XXXX Florida for a total of XXXX. In addition, a highly suspicious XXXX balance transfer and unknown cash advances were purchased on the card opened in XXXX. The joint USAA account was open for over 10 years after the first application using my name and XXXX income, was closed in XXXX on the same day of this fraudulent activity. This number is associated with veteran XXXX, XXXX XXXX, and her ex-husband XXXX XXXX. A check for XXXX from USAA was sent to XXXX XXXX on XX/XX/XXXX? Why? Is this part of fraudulent activity?
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine : FCRA violations XXXX XXXX can see it : XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XX/XX/2004 Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I am a victim of identity theft. The informations listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX  XXXX  XX/XX/XXXX ) ( XXXX XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX - XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX XXXX. XX/XX/XXXX )
Product: Debt collection

XXXX XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Plus there is NO verification from the LA Secretary of State that they are registered in Louisiana which is also against the FDCPA! 

I request that XXXX XXXX verify the following information. 
1. Full original Account Number 2. Date original Account was opened 3. Any written agreements between myself and the original creditor stating this debt is owed 4. Full account summary and itemized calculation of alleged debt 5. Date of the first delinquency 6. Dates and times of any phone calls made and to what number in attempt to contact me concerning the alleged debt before it was reported to an agency, and so proving that these calls were made in the times governed by FDCPA law. 

If XXXX XXXX XXXX is unable to provide the above identifying account information, this account must be deleted from all CRAs. 

XXXX XXXX XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. There was no prior knowledge of debt until XXXX alerted me to it. No contact has ever been made.