23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I left the apartment called " XXXX XXXXXXXX XXXX  XXXX XXXX '' in about the first week of XX/XX/XXXX. The manager and I agreed upon the final bill will be sent to me via Mail once they finalize my lease break cost. As agreed I sent them my new address via email to " XXXX XXXX '' who works there and she helped me with my leasing along with a CC to the manager " XXXX XXXX ''. I have the proof of the correspondence of the email sent. The email sent to them clearly indicates my new address and requesting the final bill for settlement. Additionally, i also called the employee working there to give him my new address in case they fail to see my email. I had 2 mode of communication to give them my new address. 
The XXXX management never got back to me regarding any bills, and that made me assume that my initial deposit has taken care of the rest pending balance. 

After about 1 year on XXXX XXXX, XXXX. I get a notification of a " Collection Account '' being reported to my XXXX   credit report. I have had no formal communication with any of the Original creditors nor the Collection agency in the form of a letter mailed to me. I vaguely remember someone calling me and asking if i ever lived at " XXXX   XXXX '' for which i naturally denied as i did not know what that is. The collection agency never mentioned " XXXX XXXX XXXX '' they only referred " XXXX  XXXX '' which was not relevant to me. The collection agency only contacted me via phone to ask the balance and never sent me in mail itemized bill for it to be legit and valid. 

Neither did the original Creditor nor the collection agency gave me a single chance of negotiation to pay the balance that is been indicating on my credit report. 
Firstly, if the original creditors " XXXX XXXX XXXX '' have approached me with the bill i would have paid them without even getting any of us into so much trouble. 

I CAN NOT PAY ANYONE WHO CALLS ME FOR MONEY JUST BASED ON ANY RANDOM PHONECALL THAT I WASNT EXPECTING AT ALL.
Product: Credit reporting or other personal consumer reports

The information reported to the XXXX credit bureaus are I correct such as date opened and amounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inquiriesthat l believe to be fraudulent and have negatively impacted my credit report. 
Below is a detailed list of the inquiriesin question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I have not authorized any transactions or accounts with these institutions, and I believe these entries are the result of identity theft or fraud. I kindly request an investigation into these accounts and the removal of any fraudulent entries from my credit report. These inquires and their immediate removal from my credit report. I have attached a copy of the FTC report as well as my ID etc.
Product: Mortgage

we sold our home & got a pay off from Bank of America & when we got close to closing our attorney spoke with the clerk at the records office to & discovered that BAC had no mortgage lien recorded on our property but Countrywide had a lien instead. 

caused a large problem that caused a lot of stress & attorney costs & re took the chance of paying Bank of America the balance of our loan  that they did not have filed hoping they would pay off the Countrywide loan they never handled properly to make matter worse XXXX XXXX serviced this loan & would not help us either after many hours of the phone with both XXXX XXXX & bank of America/Merrill Lynch, who gave us no help and a lot of lies & broken promises
Product: Mortgage

We sold our home and the loan with Alliant Credit Union was paid off on XXXX XXXX. Alliant rep XXXX said a check for {$4500.00} was mailed on XXXX XXXX for escrow overage. The check never arrived. On XX/XX/XXXX, I spoke with XXXX and he stated that I must give the check 30 working days to arrive. Called Alliant again on XXXX XXXX and was told by XXXX that the check was sent to our address of the sold home and it most likely would not be forwarded to the new address. She suggested a change of address and then would have check reissued. Change of address form was emailed on XX/XX/XXXX. Still had not received the check by XX/XX/XXXX. Phoned again, spoke with XXXX and asked to speak with a supervisor. Spoke with supervisor, XXXX, she said they never received the change of address. I emailed second change of address and was told the check would be reissued the next day. Phoned on XX/XX/XXXX and spoke with XXXX, she stated that the address change was processed and the check was reissued that day. Stated to give the check 15-30 days to arrive. XX/XX/XXXX still have not received the escrow overage check. I asked to speak with a supervisor, spoke with XXXX who stated that their check writing department is " really backed up from people calling asking for checks ''. I told her that was an unacceptable answer and this needed to be resolved today. She said the best she could do would be to manually request another check and ask that it be expedited, stated it would take at least 14 days to arrive in the mail. Totally unacceptable that I have had to wait almost 5 months for my money and it still has not arrived even after multiple attempts to resolve. The company is taking no responsibility only stating that they are very busy!
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE FIND ATTACHED DOCUMENTATION SHOWING WHY THESE ACCOUNTS SHOULD BE REMOVED. THE FOLLOWING COMPANIES HAVE BEEN NOTIFIED AND THEY ARE NOT FOLOWING THE FDCPA AND THE FCRA. 
XXXX XXXX THIS ITEM HAS BEEN PAID AND CLOSED. THE ATTACHED CREDIT REPORT IS INACCURATE INFORMATION A VIOLATION ON HOW ITS BEING REPORTED. 
UNAUTHORIZED INQUIRIES HAS BEEN PRESENTED TO EXPERIAN AND XXXX. 
XXXX XXXX REPORTING LATE THIS IS CLEARLY A VIOLATION. NO LATE PAYMENT FOR CONGRESS HAS NO DEFINITION FOR SUCH AND AS PER 15 U.S.Code 1666b and 15 U.S. Code 1602.In light of the facts and the laws present it is found that each assignee and creditor, being a servicer of the original creditor, operating as money transmitting business, acting
Product: Debt collection

Amerifinacial solutions has reported to my credit report 3 times. for 3 different amounts. {$880.00}, {$970.00}, {$970.00}. I have asked them for verification of what they claim I owe since Ive had no knowledge of this and they refused to respond. I have sent several letters and got nothing back.
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 : 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 XXXXXXXX, 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 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 reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your XXXX XXXX XXXX has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX XXXX that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXXXXXX
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX - XXXX sent my account to the collection agency ( AFFILIATED ACCEPTANCE CORPORATION ) due to an unacceptable error on their behalf. My son relocated to another one of their locations and a fee was accessed for some unknown reason. I've had several conversations with XXXX to no avail. Directly after said conversations, Affiliated Acceptance Corp placed this account on my credit report. To remedy the situation I agreed to pay Affiliated Acceptance Corp with the understanding they would remove the account from my Credit File. As of XX/XX/XXXX the account is still on my credit report.
Product: Debt collection

I received a letter in the mail claiming that I owed a debt to XXXX XXXX and that this company " AssetCare LLC '' now owns the debt with a balance of {$2600.00}. 
I call XXXX to try to resolve the issue on XXXX/XXXX/XXXX by phone asking for the following : A signed copy of my promissory note to open the account, Last bill and statement from XXXX XXXX, and the amount the debt was purchased for. 
A employee at AssetCare LLC told me that they will not give me this information, and they will report me to the credit bureau. 
I feel as if my identity has been stolen.
Product: Vehicle loan or lease

BMO Harris repossessed 6 vehicles. One of them was not even financed by them. I owe month of XX/XX/XXXX and I told them we would pay them in full to be current. They will not hear nothing of it. I estimate I have paid out XXXX if the XXXX XXXX dollar price tag and just like that I loose all I have worked for. This is over a two and a half year period. Dealing with these guys is a rip off. I strongly urge consumers to stay away from BMO Harris for financing needs. I told them I was not going to lose my investment and i would send funds to get us current and then they said they were adding 7000 plus for fees related to repossession. Buyer beware!
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Collection {$150.00} XXXX XXXX Bankruptcy {$0.00} Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.
Product: Money transfer, virtual currency, or money service

Hello. I have been trying to add money into my WISE account and opt to earn interest on the deposit. However, I was blocked from getting an interest-earning account on WISE because they could not verify my Tax status. I think it had something to do with my birth date being wrong ; it was XXXX on the website but its actually XXXX. I asked WISE to correct the type ( they did ) and to re set the account so they could re verify my tax status, but every time I have reached out to WISE about it ( maybe 9 times ), their customer service reps just ignore my question. They send me guides on how to deposit money or answer some other question I did not ask. Its like they are purposely ignoring me. It is horrible.
Product: Debt collection

Brock & Scott PLLC, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, has failed to serve me in the foreclosure case and I have had to go to evidence just get records that show.my name bc they refuse. 

Brock & Scott PLLC,, has had their attorneys repeatedly lie to the courts, etc. Their attorneys also repeatedly make excuses, provide no information and/or in-accurate information for their own benefit. 

They did not even inform the mortgage company bankruptcy department I was back in bankruptcy court and not foreclosure court currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is currently reporting in XXXX and XXXX that i am paying late on a closed paid account since XXXX, they are reporting lates to equifax and XXXX currently which just caused a problem with my current job due to it showing deliquients in XXXX and XXXX, i am no longer liable for account and requesting account be deleted corrected XXXX  there should be no new reportings on this account at all, i have received any communications from XXXX at all, especially adding new entries of late pays in XXXX and XXXX ... i have attached my equifax report showing XXXX inaccurate reportings ... .Please remove XXXX this is causing a severe hardship and can affect employment this info is not correct and should not be reporting ....
Product: Checking or savings account

On XX/XX/2022, I received a text message from CitiBank that illegal activities are on my accounts ending XXXX. That I need to change my password immediately. I always use Citi XXXX XXXX. As I change my password my cell phone not working. when I try to use it, I get a message that my phone has no network. The phone account is in my son 's name as the primary account holder. That evening my son call XXXX and we install a new sim card on my phone. Then I saw a lot of CitiBank wire transfers on my phone, happening on my checking and saving account. I call up CitiBank using the number on my Debit card. I inform the customer service representative that I am not authorizing any of these transfers. She transfers me to the fraud department and I complete the complaint and the Bank place my account on hold Then I went to the CitiBank branch in XXXX XXXX, NY, and open a new account. 
I file an affidavit for each account. the checking for {$27000.00}, claim # XXXX, and the saving for {$75000.00}, file a police report at the XXXX police precinct in XXXX XXXX, NY. 
On XX/XX/2022, I received letters from CitiBank that my claim to recover my money are denied. I need help XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM INQUIRING IN REGARDS TO THE XXXX XXXX   ACCOUNT WHICH WAS OPENED ON XX/XX/2012, DISPLAYS A BALANCE OF XXXX DOLLARS AND WITH LATE PAYMENTS OF 30 DAYS. AFTER SEVERAL ATTEMPTS AT REMOVING THIS ACCOUNT, I MANAGED TO BE ABLE TO GET IT REMOVED FROM XXXX AND TRANSUNION WENT AHEAD AND REPAIRED IT ON THEIR SIDE. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND IT IS REALLY AFFECTING THE OVER-ALL PROGRESS IN WHICH I AM TRYING TO ACHIEVE MY GOALS. XXXX HAS DONE NOTHING ABOUT THIS MATTER AND I REALLY NEED TO KNOW WHY THIS ACCOUNT IS STILL REPORTING NEGATIVELY? IT SHOULD'VE BEEN REMOVED A LONG TIME AGO BY THE AGENCY AND I HAVE YET TO RECEIVE A RESPONSE. PLEASE REMOVE THIS ACCOUNT IT IS REALLY HURTING MY CREDIT 'S HEALTH.
Product: Debt collection

Call comes in daily between XXXX  & XXXX XXXX  even after the number has been put in my phone 's block call list. I have also called back that number and they claim that they are not initiating the call. But I don't have any debt and I keep getting DAILY calls from XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Re : Dispute of Late Payment on Credit Report Dear Credit Bureau I am writing to dispute late payments reported on my Experian credit report. According to my records and to the best of my knowledge, I believe this late payment reporting is inaccurate and requests a thorough investigation in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under Section 611 of the FCRA, I am entitled to dispute any incomplete or inaccurate information in my credit report and request that it be corrected or removed if it can not be verified. 

The specifics of my dispute are as follows : Account Name : XXXX XXXX  XXXX Account Number : XXXX Disputed Entry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I believe this late payment is a mistake because payment was made on time, there was an error in the creditor 's system. 

In accordance with the FCRA, I kindly request that you investigate this matter with the creditor and provide me with the following : Verification of the late payment, including the date and amount. 
A description of the procedure used to determine the accuracy and completeness of the information. If the information is found to be inaccurate, I request that it be removed or corrected immediately. I understand that under the FCRA, you are required to complete this investigation within 30 days of receipt of this letter. I expect to receive a response from your office regarding this matter as soon as possible. 

Thank you for your attention to this matter. Please send me a written confirmation of the receipt of this letter and the results of your investigation. 

Sincerely, XXXX XXXX.
Product: Student loan

I contacted Sallie Mae about an income based repayment plan to pay back my loan. I gave them my monthly expenses and informed them Im starting school admin for my XXXX this XX/XX/year>. The amount theyre asking me to pay exceeds what Im able to pay. Theyre asking for {$280.00} a month. I asked if that could be adjusted and they said its the only option.

Not only is it the only option but after two years Ill be required to pay {$580.00}. Which I definitely cant pay. I want to pay off this loan I just cant afford {$280.00} a month. 

Theyre threatening to send my loan to collections but this is not fair seeing that I WANT to pay off the loan but just need a better repayment plan.
Product: Credit reporting or other personal consumer reports

Im submitting to you today to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an ID theft report. find the required documents to assist in the blocking of the erroneous information which are being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$330.00} Inquiries : XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired on XX/XX/2020 XXXX Inquired on XX/XX/2020 XXXX
Product: Debt collection

Equifax, XXXX  & XXXX Company : XXXX XXXX Date : XX/XX/2015 AND XX/XX/2015 I got only ONE credit card with XXXX XXXX back in XX/XX/2015, and they closed down one account, however it shows up as TWO accounts closed. I have already PAID the collection within the 3 months the amount showed up back in XX/XX/2015.

I tried to ask them to remove the collection when I paid, but they refused to.
Product: Credit card or prepaid card

On XX/XX/XXXX I contact XXXX XXXX I was on charges on my account and there were no mine they really dont want to help me they close the account and the asking me to pay when those charges were not mine then they close the account and made it as a charge offIm trying to dispute it with the credit bureau and nothing happened Ive been a victim of identity theft in the Past