23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I moved out of my apartment complex, The XXXX Apartments, in XXXX, OH on XX/XX/XXXX. Upon leaving, we were told we would have a final payment owed that included a final electric bill. The amount originally owed was XXXX, I called after the first week we moved out and they adjusted that price down to {$210.00}. I paid that amount via check ( that I have receipt of ) on XX/XX/scrub>XX/XX/2024. That would be on day 87, well within the threshold of 90 days that I was given by the XXXX to make that final payment. I have a ledger balance of {$0.00} on MY END through the payment portal, and I have confirmed with the XXXX 4 times that I was squared away and had paid on time. The XXXX even sent me a ledger on THEIR END displaying a {$0.00} balance that I owed. Surprisingly though, I received an email from National Credit Systems onXX/XX/2024 stating that I " have not made suitable arrangements to satisfy this debt owed ''. They clearly had not checked with the XXXX at all whatsoever. I immediately sent a dispute to this email from National Credit Systems stating I am not responsible for any of the debt referenced. I also requested that if they believed I was responsible for this debt, to mail me the documents proving this. I received NOTHING from National Credit Systems and instead checked my credit report this morning on XXXX to see I had dropped XXXX points from almost perfect credit, to just good credit. This is going to have a huge impact on me, as I am desperately trying to secure a loan to purchase my first home.
Product: Credit reporting or other personal consumer reports

i had other 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> i went to the XXXX dealer and i gave to them my information including my social security and they put over XXXX inquiries on my credit report they destroyed my credit that i work so hard to, they asked me for my information I didn't know that if they will do that to my credit report, I knew I will never give them my information please help me to fix this...
Product: Credit reporting or other personal consumer reports

This is my numerous 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 WA XXXX ; XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX CARD XXXX Balance {$8600.00} ; XXXX XXXX XXXX Balance XXXX {$8600.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to access my 3 bureaus and they will not show me my report. They mask it all and just want to sell you garbage. Such fraud, my gosh why is this allowed? I just want my reports and dispute the wrong stuff. I don't have the time or patience to make a career out of getting this done!!!!!! Such fraud and illegal activity ... ..and illegal reporting as always and refusing to delete the wrong stuff. What else is new? 


No phone but they think they can require one to get my report ... .my gosh ... .. they will not give a report unless I give them a bunch of personal info. that's none of their business!!!! ... ..and I don't have it ... .good grief, why does it take this extent for this? Such fraud ... .and it's MY information they never even got my permission to gather and disseminate ... .and it's wrong info. to boot ... ..
Product: Money transfer, virtual currency, or money service

On XX/XX/ I was persuaded into sending a person on social media with a high following a total of {$2700.00} by XXXX  and zelle. {$2000.00} zelle and {$730.00} XXXX I found this person from a girl I follow on XXXX and XXXX with a very high following. I made a mistake into trusting this person, basically I was going to make an investment through cashapp and receive a higher amount of money, a money flip. Everything seemed legit, he sent me screenshots of the process, screenshots of other receiving their pay. After money was sent I was blocked and felt absolutely horrible, I was emotionally damaged as I worked hard for my money. I reported it to my bank as fraud because that is what it felt like. I felt bad and honestly stupid for trusting someone with such high amount of money. This person blocked me but I have his XXXX and XXXX XXXX I have the claims I submitted to my bank and the letters the bank sent me. I have his screenshots of the work that he does. I also have a police report I made on him.
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 confidntiality under 15 USC 1681 Account Name : XXXX  XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  / XXXX XXXX XXXX, has violated my rights. 

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 containing any of the following items of information, any other adverse item of information, other than records of conviction 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 reporting agency if the person knows or have reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Unauthorized Personal Information Disclosure : The disclosure of my personal information to credit reporting bureaus without my explicit consent may violate the FCRA, the Privacy Act of 1974, CFR Title 16, Part 313, and the UCC 's consent mandates.

Discharged Debts Still in Collections : The continued collection efforts on discharged debts represent a breach of the FDCPA, UCC Section 9-607, underscoring the need for accuracy in debt collection practices.

Misrepresentation by Debt Collectors : Misrepresentation regarding debt collector identity and debt nature directly violates the FDCPA, UCC Section 1-202, requiring transparent and accurate debt collection practices. 
Lack of Clear Opt-Out Notice : Failure to receive a clear opt-out notice for the use of my personal information breaches the FCRA, CFR Title 16, Part 313, and the UCC 's consumer information protection requirements.

Failure to appropriately credit my account with dividend payments made off treasury coupon nor certificates of indebtedness due following a charge-off, which constitutes an error under the Electronic Fund Transfer Act ( EFTA ) , 15 U.S.C. 1693-1693r, and its implementing Regulation E, 12 CFR Part 1005. This notice is to inform you that the anticipated adjustment through certificates of indebtedness has not been processed correctly, adversely affecting my account balance and my rights under the EFTA.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

Afni Collection ( XXXX ) was removed from my credit reports on XX/XX/2015. Now they are back on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Transunion is governed by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681, I have the right to privacy and I did not give Transunion written permission to furnish these accounts. Account XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, 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. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX  XXXX
Product: Consumer Loan

I received in my mail a pre-qualified offer from Springleaf Financial Services ( see copy attached ) based on my excellent payment history and current lines of credit with that lender. XXXX XXXX was the original lender. XXXX sold my lines of credit to Springleaf several years ago. Today, after I agreed to Springleaf 's pre-qualified offer, Springfield denied me the loan, even though I qualified according to the representative who took my information. This resulted in a denial of credit that negatively impacts my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX this account has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1605 Determination of finance charge 15 U.S.C. 1681s-2 ] Responsibilities of furnishers of information to consumer reporting agencies During Late XXXX early XXXX Ive sent off a goodwill letters advised by my lawyer, spoke with management during Covid 19 times is when mostly everything accrued tried to set up arrangements. Ive gotten no compassion no nothing but them violating my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been attempting to enroll my wife in the free Equifax/TrustedID credit monitoring program for the last XXXX weeks. 

After submitting the initial data for the enrollment she received an email with a link to continue her enrollment. When she attempted to use the link it indicated that she 'may ' have already enrolled and to just log in. Login was not possible because a password was never generated and/or received. 

I called the customer service number and the agent enrolled her over the phone and said she would receive an email to sign in and get a password. No email was ever received. I attempted to request a new password with the 'forgot my password ' link but no response was received. 

A second call to customer service confirmed she was enrolled and suggested trying the 'forgot password ' ; when I told her we had tried that several times with no response she gave me another number. I 've been on hold to that number for XXXX now. 

The recorded message suggests logging in to help.equifax.com to 'chat ' with a CSR.  There is no 'chat ' function to be found on that or any other equifax pages.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XX/XX/2019 Exeter Fin XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XX/XX/2019 I dont recognize these inquiries and did not authorize none of these companies to run my credit.
Product: Money transfer, virtual currency, or money service

Google pay keeps looking my account and asking me to verify debit cards that have not been on my account for years and I can't verify because they keep using old debit cards thats not on file and the ones on file they won't let me verify. I'm still locked out my Google pay and my {$3500.00} i had in the account is gone missing and there not helping me get my funds back its been over 7 to 8 months and need access to my Google pay account. This company is unreliable and no one understands English and I would like to file a complaint to access my Google pay account and get my {$3500.00} that was in it so I can get my funds. I been evicted because the money that was on my Google pay was for rent and soon as I put it in my account they locked my account and I couldn't pay my rent. I will also be filing a law suit against this company they do this to everyone. Someway some how my funds I had in my account is gone. Please help me
Product: Credit reporting or other personal consumer reports

XX/XX/year>2025 Notice of Warning Against Any Delay in Processing by Credit Reporting Agencies EXPERIAN sent me a XXXX XXXX XXXX, 2025 stating that they received a recent request regarding my credit information that does not appear to have been sent by me or directly by me or I didn't authorize and precautionary measures they say THEY DID NOT TAKE ANY ACTION ON MY ALLEGED REQUEST. 

I called EXPERIAN and spoke to a customer care representative name " XXXX XXXX I told him what the XXXX said and he gave me a case number XXXX. 

Notice of Warning Against Any Delay in Processing by Credit Reporting Agencies For ACCOUNTS : XXXX XXXX XXXX # XXXX XXXX XXXX XX/XX/XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX I am aware of the Credit Reporting Agencies ' recent attempts to delay the processing of many consumer disputes and challenges by responding that you " received an unusual or suspicious request '' allegedly based on your belief that some consumers are working with a third-party such as a credit repair company. Let me assure you that I am aware that any delay is illegal, as it is the right of all consumers to work with such a company if they so choose, and you have no legal basis for delaying the processing of those letters. 

However, you have no grounds for claiming any insight whatsoever into my level of training, or education on topics such as consumer protection laws or requisite reporting standards, so let me plainly and clearly state now that any letters you receive from me are created using applicable software and regulations available to ALL consumers, and that this is your notice that any delay in the processing of my letters is a violation of 15 U.S. Code 168li, which sets forth the procedure in which a Consumer Reporting Agency must investigate a consumer 's reasonable dispute and lists out the exceptions.

There is no such exception that would legally allow you to delay the processing of a consumer 's letters to you based on an unfounded assumption that assistance from a third party may exist, or in your arbitrary opinion that any consumer 's lawfully written letter seems in any way " suspicious '', thus ANY DELAY will be considered willful disregard of my rights as a consumer and will be a violation of the FCRA subject to monetary damages.

Please be advised that all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf with my full knowledge and consent.

Also be advised that I am aware that no statute in the FCRA suggests that a Power of Attorney must be provided to you even in the event that a consumer is working with a third-party or representative, or that without said Power of Attorney documentation you are allowed to delay the processing of a consumer 's letters to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are fraud. They are in violation of USC 1681b. Never gave permissible purposes of consumer report. I never gave written consent to report anything on my consumer reports. No consent is fraud. 

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

My information was compromised and my identity was stolen since then I have too many reviews in my report which I do not recognize since they are fraudulent. And trying to solve this problem with the companies and they don't give me an answer even in writing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} ), XXXX XXXX XXXX XXXX ( Date Opened XX/XX/XXXX, Balance : {$6500.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1000.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$1200.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$510.00} ), XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX, Balance : {$770.00} ), XXXX XXXX XXXX  XXXX ( Account Number XXXXXXXXXXXX, Open Date XX/XX/XXXX, Balance : {$2400.00} ), XXXX XXXX ( Account Number XXXXXXXXXXXX, Open Date XXXX XXXX, XXXX, Credit limit : {$1500.00} ). Its been over XXXX days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I am providing a follow-up complaint to apprise you of my unfortunate experience as a victim of identity theft. Pursuant to FCRA Section 605b, Credit Reporting Agencies are obligated to expunge any items listed on an identity theft report, specifically under my reference # XXXX. Enclosed are the documents intended to facilitate the removal of inaccurate information and inquiries currently being reported on my credit files. The following is a list of inquiries and the inaccurate address that neither belong to me nor were opened with my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXTRANSUNION : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. According to FCRA Section 605B ( a ), Credit Reporting Agencies are mandated to remove any items in the file of a consumer identified as information resulting from alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

The collection company keeps calling our business, employees, and their relatives after the written dispute of debt. The first notification of the alleged debt was received by our business on XX/XX/2016. The certified letter disputing that debt was sent to the collection company on XX/XX/2016 and was received by them XX/XX/2016 according to post office records. The debt verification still not provided, and abusive calls continue.
Product: Money transfer, virtual currency, or money service

I used XXXX app which utilizes XXXX to connect to my PNC bank account to send me money when my funds are running low, but apparently theres an issue between XXXX and PNC currently and i need the funds
Product: Debt collection

My information was stolen and use and a data breach, which was used certain companies using my information as if I authorize it on a lot of different joint accounts. I have no knowledge of the accounts please remove.
Product: Mortgage

DiTech prolonged the process to increase the origination fee to maintain the interest rate
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XXXX XXXX, 2017 I reached a settlement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for an account held by XXXX XXXX. I received a letter of satisfaction for the settlement and have asked that my credit report be updated to reflect this is no longer derogatory. Twice I have requested this and both times I received a report in the mail stating the information is accurate and will remain on my credit report. I have contacted both companies, XXXX assures me this account is settled and closed and that they did in fact notify XXXX XXXX twice. Any time that I have called XXXX XXXX they refer me to XXXX. I am getting nothing more than the run around and it is very frustrating.
Product: Credit card or prepaid card

On XX/XX/XXXX I began an application process for an American Express card online. Before submitting the application I was notified the spending limit would be pre-approved at {$2000.00}. I contacted Amex via their website chat option and asked about a higher limit. I informed them that the XXXX limit wasnt worth a hard inquiry on my hard-earned credit score ( XXXX ), and was informed that it was standard and I should submit the application and as soon as I receive the card I should call and they will increase the limit. That was false. American Express does not consider limit increases for at least 60 days. Not coincidentally, their offers for free balance transfer expire at 60 days. 
Their customer service has been unhelpful and at times adversarial. 
If I close the card and open a different one it will further damage my credit. 

I consider this an act of fraud and mistepresentation which had damaged my credit score.
Product: Credit card

They charged me {$46000.00} in fees but only issued a credit of {$14000.00} - how is that acceptable? They didn't tell me why they closed my account. I paid in full for 20+ years.