23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

During the month of XX/XX/XXXX XXXX XXXX offered me to sign a new rental agreement for {$5600.00} per month, an increase of over 40 % compared to the last rental agreement of {$4000.00} expiring XX/XX/XXXX ( see supporting communication and rental agreement ). 
Given this absurd landlord request I notified XXXX XXXX  of my intention to vacate the apartment at the begin of XX/XX/XXXX and vacated the apartment on XX/XX/XXXX as per our rental agreement. 
Given the absence of any contract extension and the discontinuity of XXXX XXXX requests I dispute XXXX XXXX claims of any additional rent charge or related rental fees related to " notification period '' claims.
Product: Prepaid card

{$50.00} happy birthday gift card Security numbers on back scratched off XX/XX/year> I emailed picture of license and gift card and was told Id get something in the mail this never happened. 

Emailed to XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with the date you are reporting late, and those dates need to be updated to PAID AS AGREED. 

Account Name : XXXX XXXX XXXX Account XXXX Dates NOT REPORTING ACCURATE : XX/XX/year> & XX/XX/year> 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account reported on my Credit Report which I am NOT the Credit holder, but just an authorized user on someone else account. The account was reported as such and thus Transition and XXXX  deleted the account on my report, however Experian did not deleted or corrected the report. the account does not belong to me and I am not the credit holder. The Bank reporting have not provided any type of information proving otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : addresses not mine XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX, TX XXXX FCRA violations : addresses not mine XXXX XXXX  XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX FCRA violations : not my names XXXX XXXX XXXX FCRA violations : payments never late XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 

FCRA violations : accounts not mine XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Collection accoun
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit report has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I am disputing do not have any affiliation with me, I Included the aforementioned items in my prior complaint, and despite the numerous attempts to file a complaint against the items they still remain on my credit report Please block/remove these items : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXXXXXX XXXX Date of Inquiry : XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/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 XXXX XXXXXX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.
Product: Credit reporting or other personal consumer reports

Unauthorized/Fraudulent Hard inquiries. 

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: Student loan

I have a POA ( Power Of Attorney ) to act on behalf of XXXX XXXX XXXX, the father whose daughter, XXXX XXXX, was a student who passed away in 2015. The father was the co-signer and has continued making payments since his daughter 's death. 

Since last year, I have been in continued contact with AES ( American Education Services ), the current student loan processor, seeking loan forgiveness. 

Except for this loan, all of the student 's other private student loans were forgiven due to death. 

In XXXX of last year, I'd located and contacted the original lender ( XXXX XXXX  ). I was told that XXXX  's policy is to forgive student loans when the student borrower passes away. Unfortunately, XXXX had sold the loan and had no record of whom it had been sold to. XXXX had no record of when the loan was sold ( ie. before or after the date of the student 's death ). XXXX told me that they had changed computer systems and loan processors and dated records no longer exist. I was directed to their current loan processor, AES, with whom I had already initiated contact. 

It took most of last year, to locate the loan with AES, to get them to agree that the loan should be forgiven, and to get them to request loan forgiveness. It also took most of the year before AES would divulge to me that XXXX owns the loan. Since last year, I have made THREE formal requests via AES to have the loan forgiven due to death. Each time, AES has sent a letter to XXXX making a formal request for loan forgiveness. XXXX has not responded to any of the requests that AES has made. 

The student was the father 's only child ; thus, the loss was and continues to be extremely traumatic. Every time that he made a payment, he relived the loss of his only child and grieves. I've explained this to AES countless times. In fact, the grief was so great that the father, against my advice, PREPAID a significant portion of the loan just to avoid the pain at payment time. 

Based on research that I've done, I believe that XXXX  has lost all records ( ownership paperwork ) for this student loan. XXXX 's failure to maintain or locate the loan record should NOT prevent them from forgiving the loan. 

I've attached a copy of an AES letter to me. This letter contains copies of AES letters sent to the father confirming the last two formal requests that I'd made to AES for loan forgiveness from XXXX. These documents have all of the relevant information needed to identify the loan.
Product: Debt collection

I received information from my credit report this company Jefferson capital system is attempting to collect a debt XXXX I do not owe. This alleged debt appeared on my credit report I've never received any letters of attempt to collect validation of debt from Jefferson capital system which is a violation of FCRA. This is not my debt I request this false debt be removed immediately from my credit file.
Product: Debt collection

The individuals are presenting themselves as an attorney and are bombarding my geriatric parents with threatening messages via telephone. The reported on a message to my parent 's they would contact my employer.
Product: Money transfer, virtual currency, or money service

This is regarding Venmo. I sent {$120.00} to the wrong person. That person had a negative balance with Venmo of {$220.00}, and I am told my {$120.00} was absorbed into that. I asked Venmo to revert the other user 's account to negative {$220.00}, and send me back my {$120.00}. I was able to get the other user on the phone with Venmo and give his permission to do this, which according to Venmo policy should allow them to return funds. However because he had a negative balance, they are saying nothing can be done. Their suggestion was that the other user pay the remaining {$100.00} to unlock their account, then pay me {$120.00} outside of the Venmo app.
Product: Payday loan, title loan, or personal loan

For two weeks now, I've been telling XXXX that I was going through a Hardship due to me being sick and have asked them for longer time to make payment longer than 1 to 2 weeks and this week I told XXXX that I couldn't make any payments now and told XXXX not to withdraw from my account because it puts it Negative status and I just can't afford it and asked them for Extended Repayment Plans on several occasions but never gotten an answer and today XXXX withdraw funds from my Checking account after I've told them and asked them.
Product: Credit reporting or other personal consumer reports

on XXXX XXXX 2024 i checked my consumer credit Report from Transunion, There where listed XXXX collection accounts. 
XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. THE BUREAUS Acct # XXXX On XXXX 2024 i sent Via XXXX XXXX Mail XXXX both Collection Companies an Debt Validation letter. Requesting them to validate the Debts within XXXX  days. By XXXX the XXXX 2024 there where No replies, nor validation of the debts. 

On XX/XX/year> I notified Transunion by, Online and Certified US Mail that the XXXX companies listed about where unable to verify the debts that they allege that i owe. on XX/XX/year>, i again Notified Transunion online. I have Contacted them by Via telephone and spoke with a lady named XXXX, She would not give me her last name not employee ID, SHE TOLD ME THERE IS NOTHING I CAN DO ABOUT IT and they refuse to remove them
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a credit freeze on my credit report with Experian on XX/XX/19.

On XX/XX/19, I temporarily removed my security freeze from XX/XX/2019 throughXX/XX/2019 using my PIN number.

On XX/XX/19, I tried to temporarily removed my security freeze but Experian has locked my credit report and have requested me to provide proof of my identity by mail. Experian says it will take several days to process my request. I need the security freeze on my credit report to be removed immediately. 

Please note that I was able to remove the credit freeze on my XXXX  and XXXX credit reports without any problems. 

I have made several attempts to reach a live person at Experian to fix the problem but despite entering my personal information into Experian telephone system it is impossible to reach a live person.
Product: Debt collection

I receive repeated calls, 3 to 5 calls every day. They maintain constant harassment.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report, and I have found the following item to be an error. XXXX XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX OR ACCT # XXXX ACCORDING TO RECORDS/ ACCOUNT BALANCE OF {$26000.00} According to XXXX XXXX XXXX A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave EQUIFAX Reporting Agency OR XXXX XXXX XXXX  any written instruction to furnish any information on my consumer report, which violates 15 USC 1681b ( 2 ). EQUIFAX Credit Reporting Agency has caused severe stress and XXXXy due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for $ XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit card or prepaid card

On the Wells Fargo bank phone app, I accidentally used my credit card to pay for the same credit card. I don't have exact dates and amounts due to online statements. ( They later closed my accounts preventing me from defending myself in court ). But it was XX/XX/2017 this occurred. I can't believe the app allowed that. It doubled what I owed on my card to about $ 4000They refused to correct it. 

Then due to to loss of job and XXXX  XXXX I couldn't pay the minimum they wanted. They again refused to work with me. 

The they closed my card and bank accounts and got a court order to make me pay over {$7000.00} in remaining balance, fees and court costs.
Product: Credit card

On the XX/XX/year> I paid off the total current balance of {$130.00} with the representative help. The representative had assured me that my balance would be XXXX after that payment I made by taking care of all previous unintentional fees and charges. I regret to say that did not resolve my account issue. From the next month Victoria Secret XXXX scam credit card division started charging late fees and late fees and interest on top of the balance of illegitimate late fees. Their scam department keep calling me and bothering me to pay off those late fees and interest on top of it. I am so offended by the Victoria Secret credit card scamming activities and it has been harming my credit scores every month. They have called me and threatened me if I do not pay those late fees then they are going to keep charging me late fees and interest and destroy my credit scores! FYI, prior tot he last payment I did try to make some month payment on the due date but their system never let me allowed to make the payment on the same date and I had found it is also their tricks to charge late fee to their customer. 
So I would like to request you ( authority ) to contact with them and ask to remove all these illegitimate late fees and interest and stop harassing me. I would also like to see my credit score recovered from this false charges. 
Thank you and regards Victim of Victoria Secret Credit Card Scammer group!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts 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 ( XXXX 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. 
XXXXXXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1600.00} XXXX  XXXX XXXX Balance : {$600.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX {$1600.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I discovered an account was opened with my personal information without my authorization. Im a victim of identity fraud and have been trying to resolve this matter for years. My FTC Report number is XXXX.
Product: Credit card or prepaid card

Capital One is in clear violation of the law : Pursuant 15 U.S. Code 1681a 2 ( A ) ( 1 ) EXCLUSIONS- Except as provided in paragraph 3, the term consumer report does not include- ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I recently received a copy of my ( XXXX, XXXX, XXXX XXXX ) consumer report, and I noticed that it is reporting my Experience Capital One.

The line of credit balance I have with Capital One, which is characterized as utilization on my consumer report. 
THE DEFINITION OF CREDIT CARD UTILIZATION IS THE BALANCE OF WHAT I OWE FROM THE TRANSACTIONS I MADE SO PLEASE DO NOT CLOSE MY ACCOUNT AND PLEASE DO NOT DELETE MY ACCOUNT
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a payment via PayPal for a computer I sold. I attempted to withdraw the funds and PayPal " flagged '' the transaction. I contacted customer support and was told to wait 72 hours and try again. I waited 96 hours just to be safe and attempted to transfer the funds to my bank account. PayPal again flagged the transaction. I contacted customer support. They walked me through several steps to attempt to withdraw the funds, transfer them and even to have PayPal write a check and send it to me. None of this worked. Then, they told me that my only option was to refund the money to the buyer and attempt payment another way. I tried to do this and the refund was not processed because PayPal had removed their fee from the original amount. As of today, they refuse to complete a refund or give me the funds in any other manner. After much internet research, this is a common problem with PayPal. They hold funds to make profit off of the interest of thousands of customers every day. This is fraud and/or theft. The online portal shows that the refund has taken place but another screen shows that it is in perpetual " pending '' limbo.
Product: Debt collection

This company randomly put this on my credit report on XX/XX/2020. No notification. Nothing in the mail. No phone calls. Nothing.
Product: Checking or savings account

On XX/XX/XXXX. 2022, our business checking account was fraudulently deducted {$1300.00} by a business called XXXX XXXX XXXX, in California, allegedly using one of our team member 's virtual account numbers. We absolutely did not approve this transaction and were nowhere near the state of California on that date. Additionally, there is no historic log of any of our virtual accounts being accessed by us on that date ( i.e. no IP activity ). Given this apparent hacking of Mercury 's systems, we immediately contacted the bank to request a claim on this money. We have attempted to communicate this issue to Mercury Bank, however, we have been given the runaround that our domain emails aren't working, and that if we can not reply to their emails ( which never arrive ) then they will have to close our window to claim this money back. We have even sent them timestamped screenshots affirming that our emails and domain have always worked, and they refuse to communicate in alternative emails. How does one even use a virtual card number at a car repair shop, anyways? It has been a few months of trying to communicate with them, but they are, as of XX/XX/2022, no longer replying to our emails. This, to us, is a serious violation of our account integrity and we feel violated that our money was so brazenly stolen. Additionally, Mercury 's poor customer service has resulted in serious miscommunications, and in our eventual 'ghosting '. Please contact us to facilitate a resolution at XXXX ( or XXXX if you are still having troubles sending emails ). Thank you very much for any help you can provide in advance.
Product: Credit reporting or other personal consumer reports

Good afternoon, I'm looking over my credit report and see an error being reported. I have 30 day late payment being reported that i have in fact paid on time. I have never paid late to this account. The consumer reporting agencies need to report all information with complete accuracy. I have attached a copy of my report to this complaint on the dates XXXX. Please investigate this account and update these payments to paid on time immediately. Thank you for your understanding and patience.
Product: Credit reporting or other personal consumer reports

I would like this inaccurate information to be deleted and corrected as soon as possible as it is also affecting my Fico scores. 
Accounts opened by fraud : XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX, {$10000.00} XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX, {$46000.00} XXXX. XXXX XXXX XXXXXX/XX/XXXX, XXXX, {$78000.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX, {$2100.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$0.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$0.00} XXXX. XXXX, XX/XX/XXXX, XXXX, {$3200.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX, {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$0.00} Fraudulent inquires- XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On XX/XX/, we received our final account statement from XXXX XXXX XXXX in the amount of {$1500.00}. We disputed some of the charges and it was reduced down to about {$600.00}. We disputed again and they again adjusted the balance to {$500.00}. I still sent in a dispute that the charges were not correct. They were charging us for a carpet cleaning that should have only been {$65.00} and they charged us for holes in a wall and there were no holes in the wall. The even sent pictures where there were no holes in the walls. The comparison report that they sent from move in to move out did not match the charges that were being charged. I tried numerous times and the least few days they stopped responding to email all together. I tried to communicate with the property manager XXXX XXXX, the regional manager XXXX XXXX and the regional vice president XXXX XXXX. I had even sent emails to their corporate office in Tennessee to XXXX XXXX, XXXX XXXX, XXXX XXXX and no response at all from them. The only amount that we should owe is {$9.00}. I have all email correspondence and the letters that were sent. The charge for {$380.00} needs to be removed as we patched all holes which is what we have always done while living in XXXX brand Apartments and the carpet charge should only have been {$65.00} according to the lease.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a XXXX XXXX XXXX XXXX, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in XXXX XXXX XXXX XXXX a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Product: Credit reporting, credit repair services, or other personal consumer reports

I started or was looking to start service with XXXX/XXXX  XXXX XX/XX/2020. This process was initiated online and completed in the store. I contacted XXXX  for technical support and a representative started another account in my name. I called in to customer care several times and didn't receive any help, just kept being transferred from 1 department to another. 

Fast forward, early XXXX I received a notification from XXXX XXXX regarding a collection account. 

Trouble ticket # XXXX that was closed XX/XX/XXXX, confirms that they have the equipment for account # XXXX that wasn't authorized by me. 

Nice representative at XXXX  tried to help XX/XX/2020, but she said that she doesn't see where they reported anything to a collection company.