23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This is my first attempt 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

College Avenue student loans calls me multiple times a day trying to collect money from me for my birthday exs loan that I co-signed years ago but we are no longer together. I never received any bills or paperwork from them. I dont even know how much the bill is for. Ive asked them to not call me at work, but they repeatedly call everyday. I just want them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 4 years Equifax has allowed a property management company, XXXX XXXX XXXX to report inaccurate information to my credit file. I have disputed this information 8-10 times, along with documentation to provide proof of the account, which is being reported as a loan/bank loan account, now a Mortgage account. This is a property management company, where I was on a month-to-month lease. After resignation of my job ( XXXX XXXX XXXX XXXX they manipulated my payment ledger, and filed eviction for not payment of rent. It was granted in their favor, a judgement for {$1500.00}. Within a month they reported a loan account of {$5300.00} to my credit file. Under the XXXX XXXX Companys name, not the Apartment Complex for whom the judgement was given. Theyve charged me for no 30 day notice ( eviction filed ) breaking a lease contract, a reletting fee, bogus cleaning fees, and damages they refused to fix while living on property, for the company I worked for. I have been fighting this company for 4 years first with credit repair, To settle, Equifax, and now a bankruptcy because they refuse to report accurate information so that the debt be settled. I could not pay two separate debts, for the same company. It took 3 months to get them to discharge the debt by federal court order. I had to have my attorney contact them. They are to date reporting inaccurate information, in violation with the law including The Fair Credit Reporting Act, as well as my entitlement to a fresh start in bankruptcy. They have kept me from having a place to live, and have complicated my responsibilities at my job because of inaccurate information reported to my credit. I have contacted the civil department in the court where judgment was given, and was told that the company must send a letter of release to have the judgment disposed, because the debt has been discharged. I have been unable to get their cooperation. This is unfair. Life altering. Also a double Jeopardy issue. A judgment stands for their apartment complex, and what they have reported is a different amount as a loan, instead of a collection. They know when you apply for an Apartment, multiple mortgage accounts disqualifies you from renting. My first mortgage was a home lost in XXXX. They are reporting a second, and a judgement they refuse to release Although the federal court has discharged the debt.
Product: Payday loan

I looked into cash net usa, and decided against it,, with the interest rates starting at 199 %. I got an email from them saying that my first payment will be deducted on XXXX XXXX. I checked my bank acct and the only deposits I have are from my paychecks form my company. Then it says they are taking out another $ on XXXX XXXX. I didnt apply for this loan, I looked at it and said no. I didnt sign anything at all giving my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Congress has established laws to combat aggressive collection methods and practices. But, the credit agencies XXXX, XXXX, and TransUnion are ignoring the laws that I am providing today. 1692 ( a ), ( b ), ( c ), and ( d ) ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, marital instability, the loss of jobs, and to invasions of individual privacy. 
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers. 
( c ) Available non-abusive collection method This means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts. 
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXXXXXX account # XXXX, XXXX, XXXX, XXXX, has violanted my rights. 

15 US 1681 Section 602 states I have a right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 

15 US 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I am writing to report an instance if identity theft that resulted in unauthorized activity on my chase bank account. On XX/XX/year> and XX/XX/year>. I discovered transaction and account changes that I did not initiate or authorize. These actions are a clear violation of my financial privacy and security. This situation has caused me significant stress, inconvenience, and financial uncertainty. Please reverse any fraudulent transactions and secure my account to prevent further unauthorized access.
Product: Debt collection

Responded to XXXX XXXX XXXX mail offer that if I pay a certain amount for a collections account, then theyll have the account be considered settled in full with the three credit reporting agencies, however, they did not meet their end of the agreement and the account shows on my credit reports as settled for less than the full amount not settled in full as promised. I will not speak to any of their rude employees who proceeded to harass me to pay more money even though the account should already be closed.
Product: Consumer Loan

Collection agent left a voicemail at my place of business on an extension that I use. The voicemail message indicated the attempt to collect a debt on behalf XXXX. The voicemail greeting does not state my name or make any reference to me individually, and the voice mail messages are accessible to the entire office.
Product: Credit reporting or other personal consumer reports

I paid off XXXX  loans with XXXX but they are still showing on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violations by XXXX and Adverse Actions XX/XX/XXXX I am writing to bring to your attention a matter of significant concern regarding the actions of XXXX, which have resulted in a violation of my rights and have caused harm for the second time. Despite being in arbitration, XXXX has continued to take adverse actions against me, impacting my financial well-being and reputation. 

It is imperative that my account with XXXX be placed in a " do not collect, do not pay '' status immediately to prevent further harm. I have duly notified XXXX of the ongoing arbitration process as a conscientious consumer, and I strongly believe that these actions are being carried out intentionally to undermine my rights. 

I am deeply troubled by the deliberate nature of these violations, which I perceive as a blatant infringement upon my consumer rights. It is evident that certain individuals are neglecting their responsibilities, leading to these unjust actions. I demand that this situation be rectified promptly. 

As previously communicated, I did not authorize XXXX to report any transactions, including late payments, to my account. XXXX is aware of this breach of my consumer rights, and I expect appropriate actions to be taken to address this issue. Should such violations occur again, I will seek compensation for the damages incurred. 

I trust that you will handle this matter with the seriousness it warrants and take the necessary steps to ensure that my rights are upheld and protected in accordance with the law. 

Sincerely, XXXX XXXX
Product: Student loan

I have sent numerous emails to Nelnet requesting the following : acknowledgment of my payments which exceed my amount due since the resumption of payments ( 3 full payments made with only two having been due ), refunding of an automatic debit which I attempted to cancel multiple times without success due to their website crashing on every attempt, change my account status from past due to current, and ungroup my loans so that I can allocate my full payment to the highest interest loan thus paying off my loans sooner and with less interest paid and not be listed as past due. They claim to offer email and chat customer service, however they refuse to acknowledge and accommodate my simple, reasonable requests ( which a previous email reply from them stated were within my rights as a borrower ) without me calling them on their obscenely inefficient phone customer service line that has limited availability hours and forces customers to wait 90 minutes on average to reach a representative only to be told the website has a mind of its own and that they cant do anything to assist. They simply cut and paste a reply stating their refusal to communicate with me via any other channel than telephone. Their website will no longer allow me to process a payment toward my highest interest loan which their website states is legal and acceptable, without paying toward other loans that they have erroneously marked as past due. This is a clear attempt to frustrate me into giving up without them having to correct their mistakes, accommodate my simple and reasonable requests that are within my legal borrowers rights, or be held accountable for their poorly designed and administered website and criminally inefficient phone customer service system. This is a clear case of negligence and incompetence on their part which is having a substantial detrimental effect on my financial wellbeing and mental health.
Product: Debt collection

Mankin Law Group XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MANKIN REPRENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in XXXX filed the same intent to lien as now in XXXX. 
THREATENTING TO TAKE MY PROPERTY AND LIEN IT.

Mankin has a repeated agenda and narrative like XXXX XXXX XXXX  and XXXX XXXX, with myself to harass, makes false statements, abuses her attorney license status to instill fear and distress, be deceptive, lie, extort money not owed, misrepresent the nature of the debt, including the amount owed, sends a initial letter with specific months for condo association dues, then when i dispute that with fees and interest she comes back with a complete different month or months. She does not take out fees that can't be charged such as {$15.00} late fee letter and a {$50.00} attorney referral fee, she picks any month out the air to make it go to {$1000.00} so a lien can be enforced on my condo, tries to collect charges/fees in addition to the debt they are not allowed by the XXXX contract or law, bylaws, governing docs or fl statue.

REPEATED THREATS TO SEIZE AND LIEN MY HOME. Mankin charges her fees even though i dispute debt and debt is not correct, refuses to give line by line breakdown 's, and like in XXXX she will adjust on the back end charges that i don't owe rather then taking ff on the front end. IN XXXX AND NOW IN XXXX I HAVE GIVEN PROOF OF PAYMENTS AND LETTERS AND LEDGERS PROVING MY INNOCENCE.

Makin has done repeated threats to take my home and lien it, even though i don't owe the debt or portions. MANKIN DOES NOT GET WITH XXXX XXXX XXXX XXXX XXXX TO CLEAR THE SO CALLED DEBT, XXXX XXXX XXXX  DOES NOT HANDLE AND POST PAYMENTS, AND DOES NOT DO IT ONTIME. THEY ALSO WANT TO TAKE MY CONDO UNIT/ MANKIN NEEDS TO BE STOPPED PERIOD, SHE HAS HARRASSMENT ME TO THE POINT THAT I HAVE TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

SHE NEEDS TO BE DISBARRED IN FLORIDA FOR DECEPTIVE UNETHICAL PRACTICES.

ALL OF MY XXXX CONDO ASSOCATION DUES HAVE BEEN PAID TO XXXX XXXX XXXX. I DO NOT OWE FOR XXXX XXXX XXXX OR XX/XX/XXXX. 

MANKIN WAS SENT PROOF HERE IS DOCUMENTS FROM MANKIN AND MYSELF CLICK OR COPY AND PASTE XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail from Oportun Personal Loans on XX/XX/XXXX that an account with my information was going to be enrolled into an auto-debit plan with a bank account that is not my own. 

I called the company and they transferred me to their " Fraud Dept ''. I asked to inquire details about the loan and why a loan was taken under my name, address, and information without my consent. ( I never applied for a loan ). 
They would not disclose any information on the account unless I submitted paperwork that they were going to send me. 

I gave the customer service representative the loan number that was listed on the paper that was mailed to me as well as my name. Apparently that information was not enough and he proceeded to ask for my social security number, driver 's license number, and birthdate. He said that without that information he would not be able to give me details of the loan. 
It all sounded very suspicious and very much like a phishing attempt so I hung up. 

A Few business days later I get a letter from the company asking details about the account with a separate form asking those very questions ( DL #, Social Security #, birthdate, etc ) I quickly ran a credit report through my bank and XXXX and was able to see that Oportun ran my credit without my permission. I had no idea that it was ever run. 

Here are the details of the company : OPORTUN/PROGRESO FINAN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION XXXX. XXXX # XXXX XXXX, XXXX XXXX To Whom it may may Concern : Pursuant to 15 usc 1681a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 usc 1681 is the same as it is under 15 usc 1602 ( I ) which is the term credit card means any card, plate, coupon book or either credit device existing for the purpose of obtaining, money, property, labor, or services on credit Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 usc 1681a ( 2 ) ( B ). I am demanding that you delete these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41. 
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXXXXXX Unverified Account U.S BANKRUPTCY COURT XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account The following public record you are reporting is also against my rights as a consumer the original furnisher/ court has informed me they dont report data to credit reports therefore you are not following the laws that govern how to report data on consumer reports only the original creditor can report data with a written consent document. You have verified this public record without proof ( written consent ) going against 15 usc 1692 ( j ). This is an infringement upon my rights and you failing to comply with these laws have ruined my reputation as a consumer. XXXX has already complied with these laws in regards to these account proof is provided on the next page. They followed these laws, why haven't you? How are you verifying this information per law? 
I demand the following accounts be deleted immediately. 
The following addresse ( s ) are inaccurate and need to be deleted XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX and the following inquiries are also unauthorized and fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, nor does this debt exist I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : MIDLAND FUNDING LLC {$1400.00} Dollars 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2 ) What is your authorization of law for your collection of information?

3 ) What is your authorization of law for your collection of this alleged debt?

4 ) Please evidence your authorization to do business in my state.

5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed.

This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status.

I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they can understand a 1099c loss of income was filed with IRS, so this debt doesnt exist, nor does it report on my Credit.

I further insist that if you remove the garnishment, before I expose to the judge the fraudulent actions against consumers the Company participates in.

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.
Product: Debt collection

First of all my information was apart of the XXXX data breach, in which I have submitted to this company explaining my situation over the phone. In addition, I have written serval letter to XXXX, XXXX as well as XXXX, nonetheless, I recieved not but pushback from the 3 credit bureaus, and no response from LVNV Funding Funding Company LLC
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX 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 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.