23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company has called numerous times asking for another person, I explain that person doe not live here and never heard of the person. They say they are taking my number off their call list but a couple of weeks go by and they call again same story different day. I do n't know this person nor have I any information on this person STOP CALLING ME
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The 3 Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about this complaint.
Product: Debt collection

On Thursday, XX/XX/XXXX I was served at home with a subpoena titled from the XXXX County Court commanding me to appear at XXXX XXXX XXXX on XX/XX/XXXX and signed by XXXX XXXX XXXX XXXX, XXXX. of XXXX and XXXX regarding a XXXX judgment. I am too ill to travel and had explained this to XXXX XXXX XXXX XXXX and XXXX in writing in back in XX/XX/XXXX after he had me served with a subpoena on XX/XX/XXXX. I sent a motion to the XXXX County Courthouse on XX/XX/XXXX to quash. The XXXX County judge called me at home and in a three way conference call with XXXX XXXX XXXX XXXX and XXXX granted my motion to quash and stated that I did not have to appear regarding this matter. XXXX XXXX agreed. 

I called both the XXXX County Courthouse and the XXXX County Clerk on Friday, XX/XX/XXXX. Neither of them had any record of this XXXX subpoena and stated that the XXXX subpoena had been withdrawn on XX/XX/XXXX. I faxed the XXXX County Courthouse a letter and the XX/XX/XXXX subpoena on Friday, XX/XX/XXXX for their records. 

Because of being served the XXXX subpoena on Thursday after the XXXX subpoena had been quashed by the XXXX County Judge and withdrawn and previous asking multiple times for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to cease and desist all contact with me, I filed complaints with your Attorney Grievance Committee, the New York State Attorney General 's Office and now with CFPB.
Product: Credit reporting or other personal consumer reports

Equifax continues to send pregenerated responses to my request WITHOUT ACTUALLY LOOKING INTO MY ISSUES
Product: Consumer Loan

My husband and I both have a loan through Merit Finance on XXXX XXXX in XXXX XXXX, TX. We have come down on financial hardship and have submitted and been approved for lower payments on our loans. We continually receive phone calls even after payments have been made and if we are one day late they have no problem calling our contacts on our loan and sharing loan amounts, due dates and how much the loans are for. 
They come to my residence and have no problem pounding on my door harassing my dog for nearly XXXX minutes. our loan one due on XX/XX/XXXX and someone was knocking on the door by XXXX on XX/XX/XXXX. 
The XXXX was one month since our last payment, which was more than the agreed amount on our hardship paperwork, and they have been calling me for nearly two weeks multiple times a day and not identifying themselves in the voicemail. Just name and number to call back. 
I am not trying to get out of payment I am just trying to get the harassment to stop. They are very rude. I am afraid to answer the door with the way they pound on my door after they have already called me. I have been a part of one of the sister companies for over 4 years and this is the worst I have ever felt and I should n't have to feel threatened because I am one day late.
Product: Credit reporting

I am filing this complaint becasue TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not vefify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are requested to " promptly delete all information which can not be verified 'that I have disputed. Please resolve the manner as soon as possiable. Thank you
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 transunion XXXX transunion XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have 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. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of alleged debt, nor therefore any such debt, in fact exist.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date [ XXXX OF FIRST CHARGE-OFF Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX : [ XXXX XXXX XXXX ) [ XXXX ] XXXX : [ XXXX XXXX XXXX ] [ XXXX ) TransUnion : ( XXXX XXXX XXXX ] ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting an inaccurate XXXX account on my Equifax credit report and XXXX XXXX XXXX on my XXXX credit report, both of these accounts are the same account with different names and they were both closed on the same date XX/XX/XXXX and both sold to XXXX XXXX XXXX Both of the accounts were said to be opened on XX/XX/XXXX and both accounts were last reported on XX/XX/XXXX. The account was successfully disputed with XXXX XXXX and removed but is still reporting inaccuratly on my Equifax credit report as XXXX XXXX Closed with {$0.00} Balance ) and inaccurately on my XXXX credit report as XXXX XXXX XXXX XXXX Closed with {$0.00} Balance ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX WATER DISTRIC ) and AARGON COLLECTION AGEN ( Original Creditor : NV XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX WATER DISTRIC ) and AARGON COLLECTION AGEN ( Original Creditor : NV XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

the creditor has approved to settle my account at 60 % of the {$150.00}. I pad them the {$94.00}. THATS THE 60 % .BUT THEY STILL SAYING THEY WHAT MORE.
Product: Debt collection

The collection agency insists I owe a debt that is not mine. They will not comply with attempts for verification of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to correct a mistake with a credit bureaus, and have been been told, we updated, or its been verified. The bureaus suppose to be reporting thing correctly at all times. XXXX XXXX send a letter stating I wasnt late the last few months, and the bureaus stated it was verified correctly. Then XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, and XXXX are accounts that first were reported XXXX way then change to charge off. But if after charge off now being reported, the accounts have a balance included, or multiple months with charge off reported, Also, a new account with a student loan, I never had before and never applied too. Lastly, XXXX XXXX XXXX which was I was late XXXX months in a row, and now Im currently on time. I never been late, XXXX XXXX XXXX never sent me anything stating that.
Product: Credit card

On XX/XX/XXXX I got an alert that I was over my credit limit on a Capital One Quicksilver Credit Card. I checked my card immediately and noticed XXXX charges that I did not make. XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX. I promptly call the credit card fraud number on the back of my card. I was asked if I still had the card in my hand and I honestly answered yes. I asked how the charges were made and was told by the rep via XXXX or XXXX XXXX tap. The rep canceled my card and issued me a new one. On XX/XX/XXXX, I received a letter stating my card was not compromised and I needed to pay the charges. I called capital one back and was told the charges were made with the chip. Therefore, Im liable for the charges. I explained I did not make these charges and XXXX is full of articles regarding credit card duplications. One including chip duplication. I asked for the documents showing the investigated and what methods they used. The rep just stated she does not have that. I asked for the person that does. She stated over that I am liable for the charges. I called back later the same day. I spoke with a different rep and he stated the charges were reversed. I asked him to hold while I checked and to my surprise they were. I was told by the rep I would never see the charges again. On XX/XX/XXXX, I checked my card again and the charges were back. I called again and got a fraud department supervisor. He just repeated over and over that capital one believes I made the charges. I explained I didnt and why would I go through this trouble if I have had XXXX problems paying for charges in the past. He just kept repeated my card was not compromised and I made the charges. The investigation was based on me still having the card in hand. Case closed. I would like more answers and an explanation if this is Capital ones best practices for any future instances. I need help getting my money back as I did not make these charges.
Product: Debt collection

I received several voice mails regarding a debt I owed. I ignored them because I do n't have any debt. Anything outstanding was discharged in bankruptcy several years ago. Today I received a call from a man stating I had an outstanding debt with XXXX and they were going to take me to court over it. He then asked me to forward him to our payroll department. When I declined he said he would be faxing them. I asked for his name and the name of his company and to send any debt information to by mail. He declined. He hung up. I called back and spoke with a XXXX XXXX. I again asked for the name of the company. I was told Lexington Law XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. XXXX would not send me any information on this debt either. He told me the debt was for XXXX. I told him I did not owe any debt and among other things he called me a " deadbeat debtor ''. This is unacceptable.
Product: Payday loan, title loan, or personal loan

I made the mistake of going to Lonestar Title for a title loan, little did I realize how much higher their interest rate was from others. My payments are double from what they would be. In trying to find someone to refinance the loan, no one can because Lonestar sends the car titles off to their home office which in return keeps any other title loan company from being able to buy out that loan. I think this is deceptive business practice and a racket to keep customers from being able to get a much lower interest rate and payment with someone else. They are the only title company I have found out in our city that does this and now I know why. It 's wrong! Because I struggle to pay such outrageous payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XXXXXXXX XXXX XXXX XXXX XXXX {$18000.00} XXXXXXXX XXXX XXXX XXXX {$5800.00}
Product: Debt collection

I ordered phone and internet from XXXX years ago, they were not able to provide the service to my house in accordance with the agreement to me getting the service. It was something about the phone lines on the poles outside being too old. Since nobody was on that pole, they did n't want to put a new one in just for me, so my service was terrible, it did n't work. 
I called and they agreed to cancel it. We parted ways. I got service that cost me more from a different provider. 
Then they started calling me a week later saying that I owed them since we had a contract for when I signed up. I explained that they could n't provide the service, no sense in me paying for something I am not getting. They were threatening and intimidating me, saying that they have a signed contract with my signature and me on voice recording agreeing to their terms. I got irritated and told them to take a hike, and hung up. They would call and I would try to reason with them, explaining that I do not have any of their equipment or service. 
These tactics of verbal intimidation and agressiveness continued for a few months and then stopped. 
And then the collections agencies started calling. I simply told them to validate the debt within 30 days or take it off my credit report. None of them to this date have provided me any validation of the debt, I have yet to see one bill or anything that shows I owe what they say I owe. They have sent me a copy of my first bill, which I paid, because they gave it to me a few days after install, before the service was cancelled. 
So this " debt '' was sold or transferred around to several different debt collectors until it ended up with AFNI, who is now reporting it against me on my credit. I can see on my credit report that it shows that it is still in dispute, since XXXX 2014 when I last talked to them. They need to take it off of my credit report. This is unacceptable. They have had plenty of days to provide validation of the debt. It is unfair to continue to pursue bad debt. These are bullying techniques. I do n't see how this is allowed. If a company sells off bad debt and then the buyer finds out, they ca n't hold that against the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed account with Navient that is reporting to the credit bureaus as 6 accounts with late payments for the months of XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. My latest communication with Navient was on XX/XX/XXXX, I spoke with XXXX and she verified that I only have one account with them and could not see why it was reporting 6 accounts. The account number is XXXX. The account was paid and closed on XX/XX/XXXX in the amount {$32000.00}. I have disputed the duplicate accounts with all 3 credit bureau and they have come back with accounts are correct. I have also previously spoken to a representive with Navent regarding this. The accounts have the same account umber, same late payments, and same close date. Also the accounts are showing 90 days late on XX/XX/XXXX with no late payments prior to that date. How can an account report current in XXXX and 90 days late in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, GA  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card

On XX/XX/XXXX I purchased a car stereo from a company called XXXX located in XXXX. I financed the purchase with Klarna and made two payments as of today 's date. The product arrived with a slew of issues, issues that XXXX could not resolve, I opened disputes with Klarna and was enticed numerous times by XXXX with a {$300.00} refund in exchange for canceling the dispute. I first agreed and canceled the dispute. I then uncovered two more issues with the unit while I was still in my 30 return window. I opened another dispute and was immediately closed by Klarna, when I called about this I was told that an email was sent XX/XX/24 requesting my proof, I never received said email, and how could you close the dispute the same day you claim asked for my proof? Throughout this entire experience XXXX has constantly lied to Klarna, I have a chain of emails proving that, which Klarna never took into consideration. I have ulimatley decided this unit was shipped to me in a defective state, XXXX wants me to bear the cost of returning a defective unit to XXXX, that is beyond unreasonable to ask of any customer. I have emails from them proving they lied in their response to Klarna 's inquisition. I feel that I have been cheated and scammed by this company, and shame on Klarna for condoning this behaviour.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 




XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
Product: Debt collection

Once again it's XXXX XXXX XXXX. This time it's their cabe company, XXXX. For reference this is the last complaint I filed ( XXXX ). Similar to that complaint it also involves returning equipment. This may be a sign of a pattern of abuse, or just gross incompetence. Either way it's harmful and extremely annoying to anyone with as high a credit score as mine, XXXX. 

I cancelled this service ( XXXX ). On three different occasions I was told that they did not want the equipment back because it was obsolete. There are recorded phone conversations and confirmation numbers for each instruction not to return the equipment, so ultimately, after the third time I felt safe enough to discard it, so I did. Then, lo and behold, the harassment resumes once again.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse opened up a Walmart credit card and I was added as an authorized user. However, at the end of XX/XX/XXXX/ beginning of XX/XX/XXXX, my spouse removed me as an authorized user. However, Walmart is still reporting to the credit bureaus that I am an authorized user and that I still have responsibility of this account. My spouse has let this card go delinquent and has used over the credit limit and this is personally still affecting my credit score. I contacted Walmart on XX/XX/XXXX, and it was confirmed that I am no longer an authorized user and that I would need to find resolution with the credit bureau as she could not discuss the account with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian repeatedly keeps sending me mail to the wrong address not acknowleding the correct address as they've done so before. Why they decided to adopt that address when that box has been closed since XX/XX/23 and they've been sending mail prior to, to the XXXX address as they should be. They need to fix this now! I never gave them permission to send anything to that address. Once the forwarding expires anything they keep sending there will be returned right back to them as it should be! They also keep adding the XXXX XXXX address when I've repeatedly told them to remove it that it's not valid either! They can't seem to follow simple instructions.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I May review to see if this is actually an account that belongs to me. I am not liable for this debt of {$12000.00} with LVNV FUNDING LLC. I do not have a contract with LVNV FUNDING LLC. and did not provide me with original contract as requested verifying my wet signature and ID verification