23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX I was contacted by a young lady asking me if I'd rent my home to her and her boyfriend and XXXX XXXX  old child. I had not lived in the home for several months and agreed to rent it to her on a month to month basis. In XXXX of XXXX  a son of a friend asked if he could rent my home. I agreed and asked my tenant to please vacate the property by XXXX XXXX. 

I have never rented before so I was unaware of the damage tenants with XXXX  children could to to property. After the tenants left my wife and I and our house cleaner spent 12 hours cleaning my 2 bedroom home. The tenants had lived there for about 11 months and NEVER cleaned. There was wax on the furniture and floors because they XXXX XXXX ( against house rules ). The mattress in the master was ruined with baby XXXX and XXXX. The dryer was broken. The refrigerator was broken. Two remotes for the TVs were lost. Very disgusting trashy people. 

After the tenants had been out for a few weeks, my Zelle account at XXXX XXXX and XXXX XXXX XXXX XXXX were locked. I contacted the branch manager at XXXX XXXX and he contacted Zelle to try to remedy the problem. 

Fast forward 6 months and my Zelle account is still locked. After several meetings with my bank I find the tenants are trying to get 2 months rent back. They claim I asked them to leave because I don't like " XXXX '' people. If I didn't like XXXX people, I would not have rented to them. Some of my best friends are XXXX!!! 

I would like you to contact Zelle and tell them to unlock my account. I have signed rental agreements; signed vacate agreements. These renters are trash, whether white or black, they are trash. I can provide names, numbers and email if you would like. 

Please contact Zelle and tell them they need to correspond with their customers and not lock us out of their services for no reason and not contact us for our side of the story. Thanks. 

Respectfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXm begging you please remove this to the credit report
Product: Debt collection

On or around XX/XX/2020, I began working on repairing my credit. After sending 3 letters to XXXX  informing them that I never opened an account, nor does the debt belong to me ( {$640.00} ), they are now refusing to investigate this debt further. I have repeatedly asked to receive the original documents of the debt and the contact person ( s ) from the company that XXXX  spoke to verify the debt, yet they have not provided it, thus allowing this debt to remain on my credit and affect my credit score negatively.
Product: Mortgage

We have sent checks to the notice of assignment, sale or transfer or servicing rights address. The checks have been cashed. I have copies of the returned checks. Now another lender who claims they are lender are now calling and sending foreclosure packages to our house. They refuse to post those items to account. I do n't want to spend any more time or money to fight this, but at this point I think I will have to hire attorney.
Product: Credit reporting or other personal consumer reports

Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under XXXX XXXX XXXX. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/2023, XXXX Inquiry Date XX/XX/2023 and XXXXXXXX XXXX XXXX Inquiry Dater XX/XX/2023
Product: Credit reporting or other personal consumer reports

I am disputing the charge-off reported on my account XXXX XXXX XXXX XXXX because it violates the FCRA regulations. Specifically : - 15 U.S.C. 1681c ( a ) ( 1 ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' - 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''. - 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '' which does not include income information like charge-offs.-C.F.R. 1022.43 ( a ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. - 15 U.S.C.1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''. - 15 U.S.C. 1681 ( a ) ( XXXX yA ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate.-C.F.R. 1022.42 ( a ) ( XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. - C.F.R. 1022.41 ( a ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2018 Onemain Financial took funds from my account for a car payment in the amount of {$200.00}, even though they'd received the payout on the loan. They've since given me the runaround saying the funds were returned, which they weren't, that they'd XXXX me a check on XX/XX/XXXX, which they hadn't, and then that they had to " hold '' my money for 15 days. This is the XXXX Indiana branch of Onemain Financial.As of this date XX/XX/2018 the management is STILL giving me the runaround! This withdrawal put my account in the negative and they still refuse to reimburse my money. They even tried to make this MY fault because I failed to tell them to no longer take funds from my account.I explained that I'm unable to be home to receive a fedex package due to travel for work, yet they insist that it's the only way for them to reimburse my funds.Taking money under false pretenses is A CRIME!
Product: Debt collection

I am writing in regards to an account I had with Synchrony Bank/XXXX. 

I received a letter dated XX/XX/XXXX from the bank stating that I now owed an huge balance on my Synchrony Card, that had a credit limit of {$1500.00}, in the amount of over 5,600. 

On XX/XX/XXXX, the account was paid in full by a debt consolidation loan ( from XXXX XXXX XXXX XXXX ) and closed by the my credit union upon request. I received a letter in XXXX stating the account was closed. 

Fast forward to XX/XX/XXXX when I received notice that my account now had a balance of {$5600.00}. I am not sure how this is even possible on a closed account when the balance was {$0.00}. I did not make a purchase before/after the account was closed and there is no way I could afford a purchase of {$5600.00} on an account that only has a {$1000.00} credit limit. 

I attempted to contact the bank on multiple instances in XXXX, ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), and XXXX ( XX/XX/XXXX ) to no help from the bank. They stated the debt was correct and I still owed this amount. 

I do not owe this debt, but have been paying on the debt because it is listed as derogatory on my account. I am forced in a position on this account to pay on something I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification of. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. You must also provide actual documents bearing my signature and the application for credit bearing my actual signature. NO ONLINE APPLICATIONS I formally demand the follow negative account records to be verified, and/or removed immediately. Your invetigation into this account has dragged on for over 90 days and still no proper investigation has been done. The FCRA states that the only permissible purpose for pulling someones credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.

The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Product: Mortgage

We closed on loan in XX/XX/XXXX with First Community Mortgage , Inc ( FCM ), c/o XXXX XXXX XXXX ( XXXX ) - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL XXXX Made first payment of {$2000.00} on XX/XX/XXXX - Withdrawn from our bank account on XX/XX/XXXX. XXXX Loan was transferred to new servicer effective XX/XX/XXXX. 
Got a letter in the mail dated XXXX XX/XX/XXXX from new servicer stating our 'mortgage payment which was due on XX/XX/XXXX was seventeen days late. ' New servicer received escrow, but not initial payment of {$2000.00} Contacted previous servicer ( FCM ) multiple times on the matter, to have {$2000.00} transferred to new servicer ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 
Have been informed of the following when we called. 
XXXX Not sure why funds are being held. ( XX/XX/XXXX ). 
XXXX Funds are being held because payment was made too early. 
* Payment will be sent out within THIRTY days. ( XX/XX/XXXX ). 
* Payment has been wire transferred, give it seven to ten business days ( XX/XX/XXXX ). 
* Will fill out form to escalate problem for it to be researched as funds were not transferred ( XX/XX/XXXX ). 
It has been over sixty days and funds have not been refunded/transferred. 

Please direct accordingly.
Product: Credit card or prepaid card

XXXX Ive already filled a complaint about my citi credit card. The problem still hasnt been resolved. They are very hard to get a hold of and the few times I did, it was about a dispute. They would email me a form that wouldnt load so I asked them 3 times to mail it to me and never got one. About two weeks ago I got a response from you and citi. Once again it was an email with a link that doesnt work. I emailed them back telling them for the 4th time to mail me a letter. I havnt heard back from them or gotten the letter.
Product: Credit reporting

I have placed a fraud alert and freeze on all XXXX creditors. I will like to know if my personal information and credit inquiries are used by a third party to commit fraud. I have all these credit inquires and was not inform about any credits or gave my consent to any company to use my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion dated  XXXX   XXXX ,  2017  stating that they have verified  a Public Record  of Bankruptcy. I sent a letter to Transunion in response to them on  XXXX   XXXX ,  2017 . I stated in the letter that I would like for them to show me proof of their verification, and any documentation bearing my signature. They have not done that. They have sent a letter dated  XXXX   XXXX ,  2017 , stating that they have verified the public record, and updated the information as well. THIS IS NOT WHAT I ASKED FOR!!!!! They do not state where the information was obtained, and if it was not obtained from  the Court, this needs to be removed ASAP!!! I will be sending the Attorney General a letter, along with reporting Transunion to the BBB as well. This is defamation and fraud.
Product: Debt collection

On Thursday XX/XX/XXXX, attempted calling XXXX XXXX XXXX XXXX XXXX, who apparently owns my alleged {$830.00} debt with GE Money in order to get more information, confirm the debt is mine, and pay it. I was informed that if I called again, it would be considered harassment, and to not call again. I'm not exactly sure how I'm supposed to pay a debt with XXXX XXXX XXXX XXXX XXXX when calling them is apparently considered harassment.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 
Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly.

They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Please DELETE the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Student loan

I graduated from school in 2010 and have never defaulted on my loans. My payment plans have continued to increase. Forced the first time in 2010 to pay XXXX $ to defer my loans for an additional 3 months. I then had to talk to several people just to get my monthly payment down because I could n't afford it. I ended up paying interest only on my loans until I went back to school for my masters ( where because my loans were deferred I paid off XXXX loan ). Once graduating I started to pay the max amount which was about XXXX $ a month ( variable loans so flucatuated month to month ). I tried for as long as I could to pay this as the interest only option was not helping pay down my loans and was n't giving me enough to my other monthly bills & federal loans. I called and asked if I can pay based on my income or file for economic hardship. I was told no that only applied to certain loans and with mine that was n't an option. Basically I asked what else I could do because I did n't want to default. Basically the only option was to go back to pay interest only which was still a high payment of approximately {$630.00} ( variable loans so vary month to month ) This was still a little high but I was not given any other options. So I am stuck now paying interest only for all of my Navient loans. Overall for all my loans I pay $ XXXX and have not been able to consolidate my Navient loans which have the highest interest rates and seem to have no end in sight.
Product: Vehicle loan or lease

On XX/XX/2020, CarMax repossessed my car before the date it was due, according to what they told me on the phone, which was the XXXX. 
I was ready to pay one of my installments on Friday the XXXX. 

They asked me why my payments were late and I told them that I lost in one week, two clients that were putting food on the table. I even asked them to move one of the installments to the end of the contract, because I was going through financial hardship ( I told them this MANY times in MANY phone calls ), which would help me to get up to date and they always refused to help me, because they said that I didn't apply for that kind of help. 

However, after the car was repossessed, they offer me to defer all the fees to the end of my contract as a " one time courtesy ''. 
I asked them " Why do you want to do that now, that you repossessed my car and NOT when it could have helped me to get up to date? '' Their answer was that it would be because I'd get up to date with the payments, to which I said " I would have gotten up to date, had you allowed me to do it, when I mentioned to you that I was going through financial hardship ''. 

I dispute this abusive maneuver by CarMax. They took my only means of transportation, before the time I was told by MANY reps over the phone, without giving me ONE chance to fix this.
Product: Credit card

I disputed a charge made on my account XX/XX/year> The result was in my favor and they credited my account for only XXXX cents instead of the full amount of XXXX. When I contacted them they stated I entered the incorrect amount on the online dispute form and they can not correct the amount. And I can not re-dispute the transaction. Because the dispute is closed. This makes absolutely no sense. And numerous calls with no resolution. The {$330.00}. Needs to be credited as well. This is an Apple Card through Goldman Sachs. Thank you for your assistance.
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 XXXX Account Number : XXXX XX/XX/2019 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: Checking or savings account

I made a fraud claim on my account and spoke to the multiple times and was told to fax in documentation on a claim before they received the written documents they had closed my claim causing another period of investigation. Not even a day later. Everytime I call in Im transfer atleast 4 times and no one knows my information which is provided each time but no provided to the next person.
Product: Checking or savings account

I filed an complaint with there fraud department due to an incident where the was an overdraft on my checking and savings accounts. The bank never notified me, I went into the branch the next XXXX  and spoke with someone over the phone and they took my information but blame me for the overdraft. This incident took place around XXXX or XXXX of XXXX.