23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I applied to an apartment and was denied because of an old outstanding debt that was never disclosed to me. I never received written notice, this debt never went to my credit report and I am completely unaware that this debt existed. There is still no written proof of the debt despite countless attempts to retrieve them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX loan aunts with XXXX XXXX XXXX ( XXXX XXXX ) XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX XXXX XXXX erroneously shows XXXX loans/it lists each loan XXXX thus incrading he total XXXX that I reportedly owe. 

XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 XXXX. XXXX {$12000.00}, loan date open XX/XX/2003 XXXX. XXXX {$11000.00}, loan date open XX/XX/2003 I have filed several disputes with XXXX as well as poke to them on the phone where they acknowledged the error but have never corrected it.
Product: Credit reporting or other personal consumer reports

Still having problems with LexisNexis reporting my personal information to the XXXX major credit bureaus XXXX, XXXX, and XXXX on XXXX XX/XX/XXXX. By the Fair Consumer Law LexisNexis do not suppose to be reporting my personal information without my consent after I have a permanent opt out and freeze with LexisNexis. Also, LexisNexis have had my sons consumer file mixed up with my consumer file since XXXX XX/XX/XXXX to present, because we have the same name and my name ends with XXXX for XXXX  and my son do not have a XXXX  at the end of his name.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC 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 that are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX {$0.00} XXXX XXXXXXXX XXXX {$14000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX XX/XX/XXXXAccount # XXXX, XX/XX/XXXX XX/XX/XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX,XX/XX/XXXX XXXX Account # XXXX 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
Product: Mortgage

On XX/XX/XXXX I paid my XXXX 's mortgage payment at XXXX XXXX. I called the company to let them know that the payment was made as well. On the company 's website there's a statement " If you pay after XXXX XXXX. CST it will be considered late. '' However, the receipt they send seconds after submitting payment states it will be applied on the effective day or shortly after. The statement shows effective day as the XX/XX/XXXX. I believe James B. Nutter receipt showing effective date of the XX/XX/XXXX means that my payment should take effect for the month of XXXX. When I called on today, XX/XX/XXXX there was nan named XXXX ( who was rude ) that advised that it will go on my credit. I told him that I have paid after XXXX in the in XXXX and it did not. He then told me well if you made it a couples I can't help that, it's going on your credit today. This is an unfair practice by this company and they are choosing when they are wanting to place things on consumers credit reports. Also, the receipt does not have the statement of paying after XXXX. on it. I'm really needing help because the employees at this company are diffult to deal with and really rude. I'm attaching two payments where I paid after XXXX and have a couple of more.
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. 
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 7. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 8. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Please remove it from my credit report. 9. there is some inaccurate information reporting. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 10. there is some inaccurate information reporting. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 11. there is some inaccurate information reporting. XXXX Account XXXX : XXXX Delete this account. 12XXXX there is some inaccurate information reporting. XXXX Account Number : XXXX Please remove it from my credit report. 13. there is some inaccurate information reporting. XXXX Account Number : XXXX Delete this account. 14. The following personal information is incorrect Account Number : EMPLOYER XXXX XXXX XXXX XXXX XXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 18. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  19. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, NY XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 23. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my person credit report to see where I stand with my credit score back in XX/XX/2020. I came to realized that someone used my identity to obtain several student loans. I assumed that these are college/university student loans. My college tuition was all paid for by my parents, therefore, I did not have the need to obtain student loans. 
I requested a proper validation and removal of these accounts from my credit report. XXXX and XXXX XXXX found these accounts to be fraudulent, so two companies removed these accounts immediately from my credit report. But XXXX is continuing to post these accounts without proving their validation and verification of these accounts. 
I am very upset that XXXX  is ignoring my identity theft report that was filed to FTC and a police department. 

DEPT OF EDUCATION/NELN XXXX ( {$3500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$4500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXXXXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$5500.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) DEPT OF EDUCATION/NELN XXXX ( {$2000.00} ) This is the list of student loan accounts that are being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I have sent out letter to Equifax about these hard inquiries on my account and also filled out a FTC report and they keep denying my request for removal. How did they verify these accounts are accurate? Please send me any type of documentation that you had that shows that you verified this is accurate. who did you talk to? what time did you talk to them? what was their name? What department did they work in? what did they say? Dis they show Equifax any proof? How did they validate the accuracy of these accounts? Please send me any and all documentation that you have that shows that you actually did your job and validated these accounts.Send me these documents within 15 days. If you cant not send me these documents in 15 days, delete this from my account immediately. Delete these unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C 1681 ETbSEQ. Section 604 of fair credit reporting act. They have not responded back to me in 15 days at all! The status is still open and nothing has been done. EQUIFAX is violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Equifax has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Equifax run me copies of documents bearing my signature to prove the status of the disputed account. If they unsuccessful to comply with the condition and continue the reporting of the disputed account, please realize I will pursue legal action. I need the account corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First call was XX/XX/2023 at XXXX XXXX for an XXXX  even on XX/XX/2023. 105 days after the XXXX. I informed the caller " XXXX '' on this first call, that the debit should still be with the original bill owner. Had not even reached six months. 

I have repeatedly stated such to " XXXX XXXX '' and that he can not call me during work hours as I can not take calls at work or can and will be fired. XXXX continues to call ; I have not received paper communications from the company he claims to be at. XXXX uses rude language and says, " Only people who are embarrassed of debt refuse to pay. Or complain about me. '' Calls are on : XX/XX/2023 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 With the caller ID as XXXX set from the incoming call. 

I have told " XXXX '' several times he is calling during my work hours and to stop calling during my work hours. 

I have looked into the number he is calling from, and it has multiple complaints, and the business is not XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported to Experian, XXXX, and XXXX XXXX that there was a false name by the name of XXXX XXXX XXXX on my credit report, that my work history was incomplete & only contained 2 of my employers on it, and that someone is using my credit file. I reported also that there is also a quasi governmental official who is keeping my credit at a certain level for all three bureaus and take points away depending on their needs. I also am reporting that they are also keeping my credit at a certain level according to different ongoing factors that are being engineered and reported in real time such as my search for an apartment and other things I may need credit for, especially Experian. Experian also offers the Experian Boost service which I have attempted to use on several occasions and that they will not allow me to use the Experian Credit Boost feature even though I am paying for Experian services each month. I am also stating that these individuals are taking and giving points only my credit score according to some sort of racket and fraud, and they are being taken away for a person falsely and illegally linked to my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX Date Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX Updated : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX
Product: Debt collection

XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX MO XXXX XX/XX/year> Dear XXXX XXXX, / Transworld Systems I am writing to dispute an account that has been opened under my name and is listed as a XXXX XXXX account. The account number associated with this dispute is XXXX ]. 
I would like to inform you that this account is not mine, and I did not authorize any activity associated with it. It was opened fraudulently without my consent, and I believe it is the result of identity theft. 
To support my claim, I have enclosed the following documents : A copy of my FTC Identity Theft Report, filed with the Federal Trade Commission. 
Given the fraudulent nature of this account, I am requesting that XXXX XXXX : XXXX. Investigate the account and confirm that it was opened without my consent.

2. Close and delete the account from your system.

3. Notify the credit reporting agencies ( XXXX, XXXX, and XXXX ) to ensure that this fraudulent account is removed from my credit report. 
Please confirm in writing that the account has been closed and deleted and provide me with any steps I need to take on my end to further resolve this issue. If you require additional information or documentation, please feel free to contact me at XXXX or the mailing address above. 
I trust that XXXX XXXX will promptly address this matter. Thank you for your immediate attention to this issue. 

Thank you XXXX XXXX XXXX XXXX )
Product: Debt collection

Vendor has failed to respond to complaints of disputed charges and they have continued to charge late fees and penalties. 

Time span has now exceeded 5 years. 

The vendor has failed to acknowledge payments. 

Their reply to my recent written request arrived after a XXXX wait. 

Late fees and penalties continue to increase.
Product: Money transfer, virtual currency, or money service

XX/XX/2022 XXXX ( XXXX XXXX, passport XXXX XXXX XXXX ) made a transfer of my own funds to my wife XXXX XXXX XXXX, passport XXXX XXXX XXXX ) from a bank XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) ) to the XXXX XXXX XXXX ( XXXX ). The money transfer went through XXXX XXXX XXXX ( XXXX ) and was blocked on the correspondent account of XXXX XXXX XXXX  ( XXXX ). Presumably due to sanctions against XXXX ( XXXX ). 

Ammount : XXXX USD ( XXXX EUR ) XXXX XXXX XXXX : XXXX Until now, I can not get my money, because XXXX XXXX did not transfer it and does not comment on the situation. I doubt the legitimacy of actions of XXXX XXXX, because : 1. Remitter and benificiary are not in XXXX list. Funds won't be available for any XXXX-party 2. Funds were received by XXXX XXXX XXXX on XX/XX/2022, but sanctions against XXXX were introduced on XX/XX/2022. Those the transfer could and should have been processed, but XXXX XXXX didn't. 

Attached are the transfer details and documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call from Aspen Collection agency the call started out nicely then the person began to be aggressive i explained to her I was never allowed to use the timeshare I talk to daily management they referred me to XXXX then XXXX referred me to Daily. I never received the statement from daily then they put me in collections with aspen. Per the FDCPA laws I told the lady I want the right to see the validation of debt making sure they didn't add any fees or anything because that's not in the original timeshare agreement the lady flip out and we ended the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is impossible to reach to place a credit freeze on my credit. Both XXXX and XXXX were able to freeze my credit online. Experian can not verify my identity online, by phone, OR BY MAIL WITH PROOF OF IDENTITY. I 've simply been rejected for a credit freeze no matter which route I take, and it is impossible to reach a live human being to sort out the issue at Experian. Experian seems to be intentionally frustrating consumers and making it difficult to place security freezes through any option they make available including mail. How am I supposed to protect myself when I ca n't place a credit freeze by design? This company should be reprimanded for not providing the services they claim to offer and intentionally defrauding consumers as a shady credit bureau.
Product: Checking or savings account

I went into Huntington bank in XXXX XXXX with a promotion code that offered {$200.00} bonus when a new checking account is opened along with a {$25000.00} deposit into a money market account. 
XXXX XXXX is the person who keyed the promotional code checked it, opened my account and said that I will get my bonus within 90 days. She also assured me that I will be assessed a monthly maintenance fee because she is going to link all my accounts together. 
I went to the bank again in about a week to confirm the day I would get my bonus of {$200.00} she confirmed that I will get it in my account by the second week of XXXX XXXX. 
Today is XXXX/XXXX/XXXX I still did n't receive the bonus, also my account is being charged a monthly fee for XXXXwo months. I called five times over the course of three months, each time I would get only the answering machine and not a live person. I left couple of messages and no one got back to me. 
I finally kept calling over XXXX times on XXXX/XXXX/XXXX to get to a representative who said that she would pass my name and information to XXXX. XXXX what same story she did n't get back to me. I called again on XXXX/XXXX/XXXX talked to XXXX who assured me that she will pass on the message and said that there may be a glitch in system and the fee can be reversed and she would make sure that she would have XXXX call me about the promotion and that she would call and confirm by the end of the day that she passed on the message. Guess what, neither XXXX nor XXXX called me back to resolve the problem. 
Called again XXXX/XXXX/XXXX, talked to XXXX, who was very rude by saying, why did I wait three months to call about the issue?? Now she is changing the story and says that I wo n't get the bonus because I did n't deposit {$1000.00} into my checking account?? 
But the code that she used is a different on. Now I know she did n't even put in the code for my promotion and telling me stupid stories to cover herself up. When I was in the bank with my {$25000.00} she was trying to talk me into opening all sorts of accounts. She is so careless as to not even linking my accounts together to avoid the fee like she assured. 
Bottom line is very bad customer service. I will not recommend this bank to anyone else and am planning to close all of my accounts. 
Thanks XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168 In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX, and XXXX XXXX 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 an 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

This is a debt that has been unverified ; it keeps being removed and then sent to another debt collector to collect an alleged debt and report it to my credit. Previous collector was XXXX XXXX