23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX. 

Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about. 

They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX. 

I called the XXXX number and XXXX XXXX company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed Chace XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. XXXX XXXX hired XXXX XXXX XXXX to call my employer. 

She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager. 

She transferred me to a supervisor named XXXX ( with a XXXX XXXX ). 
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. These were also paid off aroundXX/XX/XXXXXXXX and the statute of limitations have expired. I should not have any judgements on me. 

I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer. 

I believe this to be harassment, and the statute of limitations for Virginia has expired. 

While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer. 

I am up for a promotion, and now this looks very badly on me with the multiple calls. 

Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I applied for an unsecured loan through the OneMain Financial website. After submitting my application, I was immediately notified by the credit monitoring services I use that my credit report had been pulled from multiple credit reporting agencies, without my permission. 
It was pulled from XXXXXXXX XXXX XXXXXXXX. 
When I attempted to contact the OMF local office in my area & also the customer service center at XXXX, no one was able to help regarding why there were multiple pulls of my credit report & no one was able to assist me in getting the additional inquiry removed. 
However, my local branch did tell me that for my loan application, XXXX was the official credit agency used, & there was no mention of XXXX or XXXX used for my application. 
I was fine with XXXX being used ; however, I did not authorize more than one bureau to be used, nor was I notified that there would be more than one inquiry performed on my application. 
I contacted XXXX & they told me I must request from XXXX they manually remove the credit inquiry from the report. 
I contacted XXXX via their XXXX XXXX email. 
XXXX of their reps called me & told me she would investigate. 
When she called me back today, XX/XX/24, she told me that yes, there had been XXXX separate inquiries performed for my application : XXXX on XX/XX/24 from XXXX & XXXX done on XX/XX/24 from XXXX. 
I asked her to remove the XXXX inquiry, as I had not been notified that One Main Financial would initiate an inquiry from more than one bureau. 
She refused to remove the inquiry & said " that's just what we do. '' Therefore, I am requesting that the OneMain inquiry is removed from XXXX, I did not authorize this inquiry, nor was I notified this inquiry would occur prior to initiating the application. 
My XXXX credit report score also decreased after this inquiry.
Product: Consumer Loan

Hello. Santander Consumer USA has placed an auto repossession on my credit reports which I disputed with the XXXX credit reporting agencies ( XXXX, XXXX, XXXX ), but they claim that they have verified this information with Santander. The credit reporting agencies gave me the name and address of the creditor that they supposedly used to verify this information and directed me to them. On XXXX XXXX, 2015, I mailed a dispute letter directly to Santander at the address given to me by the credit reporting agencies. I sent the letter via certified XXXX with a return receipt. The XXXX confirmed that the dispute letter was delivered on XXXX XXXX, 2015. To date, I have n't heard anything back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this before with TransUnion, but they apparently do n't want to hear the truth. XXXX XXXX XXXX is saying I owe them XXXX from an original Creditor XXXX XXXX that not mine. I just want to see something with my signature, that shows that it 's mine. I am XXXX XXXX XXXX XXXX XXXX which use to be my XXXX XXXX, I 'm just starting to try to right with my XXXX XXXX. I do n't know how it could be mine, show me my supposed signature.
Product: Credit card or prepaid card

On/ about XX/XX/20XXXX  Target charged my credit card {$14000.00} over the {$7000.00} limit. I rented a vehicle with XXXX XXXX XXXX  XXXX XXXX about XX/XX/2022, and returned the vehicle intact, undamaged on/ about XX/XX/2022. Target charged the credit card for the sales of this vehicle. I have asked both XXXX XXXX a XXXX and Target for an itemized detail of the charges and both have failed to provide anything. Target has advised they went by word of mouth. Again, the credit limit is {XXXX XXXXXXXX on this credit card. I would like this rectified. I am an authorized user of this account.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in to be removed. 

They are not in compliance with the following law. XXXX USC XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX USC XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 

XXXX BANK XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is XXXX XXXX XXXX and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end 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 XXXX XXXX  before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts specified below continued to report on my credit report despite the previous sent letters, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please act in accordance to the law so that this situation can be settled quickly : XXXX XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX XXXX Balance : {$970.00}
Product: Credit reporting or other personal consumer reports

Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR submit online at XXXX ] I recently received my credit report and discovered some inaccuracies in my personal information. I am writing to formally dispute all outdated personal details on my consumer credit reports under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This dispute is directed to all nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) and ANY furnishers of inaccurate data. 

I demand the following corrections immediately : Delete all prior addresses and any address variations not currently associated with my credit activity. 
Remove all name variations ( e.g., nicknames, misspellings, or aliases ) except my full legal name : XXXX XXXX XXXX. 
Preserve only the following permissible information under 15 U.S.C. 1681c ( a ) ( 4 ) : Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute : Outdated addresses and name variations pose a risk of identity confusion or fraud. 

The FCRA requires information to be accurate, complete, and verifiable ( 1681e ( b ) ).

Non-permissible information ( e.g., obsolete addresses ) must be deleted per 1681c ( a ) ( 4 ).
Product: Mortgage

I was named as a defendant in a mortgage foreclosure that I have absolutely nothing to do with. OCWEN Loan Servicing and the law firm XXXX XXXX have tied my name into a foreclosure with a person ( XXXX XXXX ) I do not know. I have never signed for papers for this mortgage, or for a house in Oregon. I do n't live in Oregon and do not know anything about this, yet name name is being attached to this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I suspect that I am a victim of identity theft because there are names and addresses that are reporting on my credit report that do not belong to me. I notified the credit bureau 's on XX/XX/2021 but when I checked a new copy of my credit report the names and addresses continue to report despite sending each bureau a copy of my identity theft affidavit. 

I requested the following names to be removed : XXXX XXXX I requested the following addresses to be removed : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX My current information is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

My 3 accounts with the bank were closed on XX/XX/2015. 
My savings account was closed with a balance of {$2000.00}. 
My checking account ending in XXXX with a balance of {$2700.00}. 
My checking account ending in XXXX with a balance of {$16000.00}. 
The funds were not returned to me after my accounts were closed. 
I went to the bank 's branch on XXXX and XXXX XXXX to get an explanation for the bank 's seizure of my funds. No explanation was given to me, instead I was given this number to call for information XXXX. I called that number repeatedly in XXXX and XXXX and nobody would take the call. I may have left a few messages on the answering machine. 
Meanwhile my friend, who had sent a wire transfer for {$16000.00} from XXXX, was skeptical when I told him what happened without showing him a letter from the bank indicating reasons for the closures. The money was intended to pay for used auto parts to be shipped to XXXX. 
I retained the services of an Attorney on XX/XX/2015 to assist in the resolution of this matter. He wrote a letter to the bank demanding a return of my funds. The bank refused to return my funds. The following attachments will tell the rest of the matter
Product: Debt collection

Hello, I am filing this complaint to dispute the debt notice I received from XXXX XXXX, XXXX regarding the creditor Synchrony Bank. I was notified recently that I owed Synchrony Bank money for a debt that I was told in XX/XX/2023 that was credited in full. I am requesting that XXXX XXXX stop any collection attempts and proceed to speak with their creditor. I am not responsible for any debt associated with Synchrony Bank regarding my XXXXXXXX XXXX XXXX  that the balance was to be updated and credited for. Per Synchrony Bank customer care the debt was to be settled in XX/XX/2023 reflecting a {$0.00} balance on the account. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report, there are several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consume reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 
PLEASE DELETE THE FOLLOWING UNVERIFIABLE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$430.00} PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRES :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX : XX/XX/XXXX Balance {$56.00} XXXX XXXX XXXX : XX/XX/XXXX Balance {$90.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$1000.00} XXXX XXXX XX/XX/XXXX {$170.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX Department of Education : XXXX XXXX XXXX section XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX section XXXX A section XXXX : It also states a consumer reporting agency can not furnisha account without my written instructions. 

XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : No consumer reporting agency may make any consumer report containing any of the follwoing items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C XXXX ( A ) ( XXXX ) 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX, Account # XXXX has violated my rights. 15 U.S.C 1681 Section 602 A. States I have to 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.
Product: Debt collection

The collector is a company named Brown & Joseph , LLC. They are representing XXXX XXXX XXXX. They claim I owe {$620.00} for an insurance policy I never renewed. I have notified Brown & Joseph, LLC three times that I did not renew the policy. Twice, I requested documentation from them, which I am entitled to do under federal law. The most recent time, I provided documentation proving I did not renew the policy. Brown & Joseph refuses to acknowledge my lawful request and continues to harrass me by Email, phone and mail. Their representatives on the phone are extremely rude and have called me a liar.
Product: Credit reporting, credit repair services, or other personal consumer reports

Original company : XXXX XXXX XXXX ( {$260.00} ) Debt collector : XXXX XXXX XXXX  Reason : Fraudulent Account I never open credit card with XXXX XXXX in 2015.
Product: Credit reporting or other personal consumer reports

Nelnet the Higher Education Act and the real U.S. Department of Education regulates the Federal Consolidation Promissory which requires the Disclosure Statement and Repayment Schedule ( disclosure ) be sent at or about the time the fedral consolidation loan was distrubited, this is written on page 5 of 9 of the federal consolidation loan application and promissory note. Nelnet send the Disclosure Statement and Repayment Schedule. The disclosure statement will have the federal lender name who orginate the federal consolidation note and education code, date money was distrubuted, what federal lender received the money, amount of money distributed and date of distribution, terms of repayment of the money, each federal loan promissory note consolidated from XXXX XXXX XXXX XXXX XXXX XXXX my federal lender, date the federal consolidation loan can be canceled, statement if the federal loan goes in default who can a person contact, my legal address and the federal lender orginator website address that the application was completed. Nelnet without the Disclosure Statement and Repayment Schedule means no money was distrubited. Nelnet on page 2 of 9 of the federal consolidation loan the loan holder name is XXXX XXXX XXXX, I never had a loan with XXXX XXXX, no entity exist with name of XXXX XXXX XXXX. Your federal consolidation loan was not consolidate with my lender XXXX XXXX XXXX XXXX XXXX XXXX  why? The loans listed on page 2 are not my federal student loans. Nelnet send the E-Sign contract to verfiy the type printed name and my physical address as the application requires and wrote, no XXXX XXXX without a physcial address. 
Nelnet you are wilfully in violation of the Fair Credit Reporting Act for not supplying the Disclosure Statement and Repayment Schedule. Nelnet you have prevented me in obtaining a mortgage. I have to renew my lease for higher rent payment. Nelnet you have damaged me. Nelnet it does not take up to 60 days to send me the Disclosure Statement and Repayment Schedule in which is manditory. With in four days after receiving this complaint Nelnet does not send me the Disclosure Statement and Repayment Schedule my summons and complaints is ready to file.

Nelnet send me the Disclosure Statement and Repayment Schedule now.
Product: Checking or savings account

Fraudulent charges occurred on my account from XX/XX/2022 to XX/XX/2022. I was out of town and not even in California. I contacted Wells Fargo on XX/XX/2022 to alert the bank. The employee marked which charges were fraudulent and ordered a new debit card. I received a letter stating that the bank did not view the charges as fraudulent and would not reimburse me for the money taken out. The letter did not state the correct dollar amount and stated that my pin was used to make the charges. This claim is incorrect. When filing the initial complaint, the banker noted that my pin was not used on the charges. The following charges are fraudulent : XX/XX/2022 XXXX 's {$64.00}, XX/XX/2022 XXXX  {$1.00}, XX/XX/2022 XXXX {$0.00}, XX/XX/2022 XXXX XXXX$13.00}, XX/XX/2022 XXXX XXXX {$12.00}, XX/XX/2022 XXXX XXXX {$16.00}, XX/XX/2022 XXXX XXXX {$44.00}, XX/XX/2022 XXXX  {$150.00}, XX/XX/2022 XXXX XXXX {$69.00}, XX/XX/2022 XXXX {$35.00}. Due to the fraudulent charges, I was also charged a service fee of {$10.00} on XX/XX/2022. I contacted the bank again to discuss the claim and the banker filed another claim. I followed up on XX/XX/2022 since I had not received any updates from them. The banker was unable to reach a supervisor to assist me further but stated she would have one call me. The supervisor called and left a voicemail. I have now called and left three separate voicemails for the supervisor with no response. The employees over the phone can not provide any information as to why the bank has taken longer than the allotted 10 days to process my claim. These charges are not mine and the bank guarantees to protect my account. The entirety of the charges, {$410.00}, plus the service fee of {$10.00}, needs to be refunded so I can close my bank account. No one will give me any answers.
Product: Credit reporting

Hi, I 've been making {$100.00} payments since rolling over my XXXX XXXX to XXXX. I rolled over my account at 0 %. I received a call from XXXX, XXXX XXXX, to readjust a monthly fee from {$100.00} to {$220.00}. I told the representative I had to go over my finances. After hanging up, I made a {$50.00} payment. I checked my account on XXXX XXXX, XXXX transferred {$220.00} without my permission. They also falsely reported I had missed a payment ; which is fraudulent according to both of our record. This has adversely affected my credit score.