23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Beginning in XX/XX/XXXX, I notified my apartment complex, XXXX XXXX XXXX, that I would be moving out a few days earlier than listed on my lease. I communicated that I noticed that the amount owed for rent listed on my account did not reflect the prorated amount discussed and promised by my apartment. I was told via email to not worry, and they would fix it. I emailed 2 more times about this in XX/XX/XXXX. 

The next series of emails regarded a final request for an accurate amount to be paid to the apartment complex, but I did not hear back from anyone. 

In XX/XX/XXXX, I received a bill for the correct amount after a couple of months of silence and no communication regarding the return of my security deposit. 

I communicated to my apartment that I did not feel this was scrupulous on their part, as I had moved on assuming that they wrote me off due to the lack of communication, along with 3 separate incidents regarding car theft and break ins on site. 

I did not receive any communication from my apartment complex in months to follow, but received my first collections notice in the spring of XXXX. I began contacting XXXX XXXX XXXX and finally received a responsive phonecall from a leasing manager on XX/XX/XXXX. This manager agreed that the money was too late to collect and said she would take care of the balance and contact the collections agency on my behalf. I assumed this is what occurred, until I received yet another collections notice in XX/XX/XXXX. I assumed it was erroneous, but I responded to the email and said the apartment complex already addressed this and I do not owe any money. I also reached out to XXXX XXXX XXXX and forwarded the collections email and asked them to follow up. I never received communication back. 

As of XX/XX/XXXX, the collections notice is visible on my credit card account, and it is fraudulent based on negligence of the XXXX XXXX XXXX XXXX ( XXXX  ) staff. I am formally disputing the balance as of today, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Payday loan

My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help.
Product: Credit card

XXXX XXXX XXXX credit card ( Synchrony Bank ) has explained my mysterious random debt to them as a Transfer balance. 
When I ask to see any type of explanation of this charge they tell me about my purchases made previously and purchases paid off previously, of OTHER dollar amounts than the charge they are claiming I made. Their explanation makes no sense and this company continues to violate my rights listed in the Fair Credit and Billing Act. This type of behavior is unacceptable from credit card companies. 

This card/account does not include transfer balance and I do not do that type of transaction. I have audio recordings with their agents speaking about this and Im tired of the random meritless claims. 

Please fix the account, as Ive been asking for months and months.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX VIA EXPERIAN, XXXX  AND XXXX HAVE REPORTED CHAPTER XXXX A BUSINESS BANKRUPTCY ON MY PERSONAL CREDIT REPORT ... THIS IS A VIOLATION OF F.C.R.A. RULES AND REGULATIONS. I ATTEMPTED TO DISPUTE THIS ERRONEOUS PUBLIC RECORD AND REQUESTED IT TO BE REMOVED FROM MY REPORT WITH NO LUCK FROM ONE OR THE OTHER AGENCY WHO ALL BLAME IT ON XXXX XXXX WHO IN TURN STATE THAT THEY DID NOT SELL THIS INFO TO THE BUREAUS, AND BUREAUS STATE THEY GOT IT FROM EITHER XXXX XXXX OR FROM COURT, AND COURT STATES THEY DO NOT FURNISH NOR VERIFY NEITHER RESPOND TO CRAs ... where is the truth here ... .. IN A MEANWHILE MY PERSONAL CREDIT REPORT HAS SUFFERED A BIG DAMAGE, MY SCORES DROPPED I WAS DENIED CREDIT SEVERAL TIMES, A FEW OF MY PERSONAL CREDIT CARDS HAVE CLOSED DUE TO THIS ERRONEOUS PUBLIC RECORD REPORTING .... AND I CAN'T SEEM TO GET ANY ANSWERS, CORRECTION OR REMOVAL OF THIS FROM ANYONE. I JUST FILED MY COMPLAINT WITH FEDERAL TRADE COMISSION WHO ASSIGN A CASE NUBMER AND I'M SCHEDULED A FOLLOW WITH THEM, ACCORDINGLY I'M FILING MY COMPLAINT WITH YOU CFPB AND HOPE FOR THIS TO BE RESOLVED WITHOUT FURTHER LEGAL HASSLE In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of tax lien and civil judgment information found in consumer credit files byXX/XX/2017. 

XXXX XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, attempted to reach out to company that was reporting a closed account debt. Company has called my place of employment and personal phone. I sent certified letter asking company to validate debt, but only received copies of credit card statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX : {$0.00}
Product: Credit card or prepaid card

I placed an order on XXXX XXXX. I paid {$110.00}. In that order I returned three fleece jackets. I did not receive a credit. I called Romans the credit card company. I spoke to XXXX the supervisor. He did not solve the problem. I called Comenity bank associated with romans credit cards. On XX/XX/XXXX XXXX from comenity transferred me to the credit Dept. I spoke to XXXX and she said they will wait for the return. I spoke to XXXX on XX/XX/XXXX. He placed the dispute for the credit owed to me. I have a confirmation no. XXXX. On XXXX XXXX I spoke to XXXX and closed the account. He told me do not pay on card until dispute is settled. As of this date I believe it is not settled. On XX/XX/XXXX I closed the other accounts with Comenity ( womanwithin, XXXX XXXX XXXX XXXX assisted me in closing the accounts. On XX/XX/XXXX I returned the jackets that were sent after account closed. I have returned five jackets. I have ordered anything since the account is closed. I found out there was an item sent XX/XX/XXXX. I spoke to XXXX ( a lady ) and she said she will take off the charge but can not do anything about late charges and interests. She transferred me to the credit Dept. And the hung up the phone. I owe this company nothing.
Product: Credit card

First of all, this is the second complaint I have filed within a short period of time with this company. They are predatory and crediting payments incorrectly. I am being penalized for paying early ... and, especially, when I have no statement sent to me. 

As of XXXX, XXXX, my balance XXXX, based on another complaint. They said they'd knock that balance off, which they did. As of XXXX, XXXX, my balance was XXXX. I received no paper statement for XXXX. 

As of XX/XX/XXXX, my balance was XXXX. I received no paper statement for XXXX. 

On XX/XX/XXXX, I paid {$35.00} because I knew I was going to have a balance for XXXX purchases ( {$73.00} ). I received my XXXX statement after I paid {$35.00}. Today, XX/XX/XXXX, I get a text message reminding me of a payment due. I already paid {$35.00} EARLY. I am being penalized by paying early. 

A consumer usually isn't aware of when a statement is cut. This company is charging me a late fee of {$29.00} on my XXXX bill, which I don't even have a paper statement of. This is unfair. I can only pay on statements for which I SEE. 

This company is taking advantage of their customers with ridiculous ways of crediting payments. I asked their rep to move my {$35.00} i paid EARLY to my XXXX statement, since they told me that {$35.00} was paid FOR XXXX ( WHICH I NEVER RECEIVED ) NOT XXXX. I will pay them what I owe, minus the late fee WHEN I RECEIVE MY XXXX BILLING STATEMENT. 

I am closing my credit card, because of their weird billing practices. I want the late fee credited IMMEDIATELY AND AN APOLOGY FOR TREATING ME LIKE THEY HAVE. MY CREDIT SCORE IS USUALLY XXXX. WHY WHY WHY???? THIS COMPANY NEEDS SHUT DOWN. THIS IS BAD BUSINESS! THE TREATMENT OF THEIR CUSTOMERS IS UNACCEPTABLE.
Product: Credit reporting or other personal consumer reports

I am writing to complaint to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX. 
XXXX, IN XXXX, and my name is XXXXXXXX XXXX XXXXXXXX XXXX. My birthdate is XXXX. The FTC report numbers related with this complaint are XXXX and XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to delete them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Debt collection

This debt is a utility bill from a previous residence that included two other individuals that I no longer have contact with. I have payed a portion of this bill some time back and am working under the calculus that I do not owe further monies to this company due to paying my portion. 

Initially, this debt was listed as a collection on my credit report without any identifying information. After disputing this collection a couple of times and my credit report being updated to show the this collection was being handled by National Recovery Agency, I reached out via certified mail stating that I do not believe I owe further monies and to provide me with all account information including balance etc. ( this was taken from a letter on your website ). They signed for this letter on XX/XX/2020 and have not responded to my request. I would like to resolve this ASAP so that it does not continue to affect my overall livelihood.
Product: Debt collection

This company has repeatedly harassed me about a dept Im not liable for. I have no financial obligations to the institution for whom they claim to represent
Product: Debt collection

On XX/XX/2021, XXXX XXXX XXXX was billed for {$54000.00} with my personal information. 
I disputed this debt, and I still haven't received a response in regard to this account reflecting on my credit file and ruining my credit.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports from all three major credit bureaus and discovered significant inaccuracies. XXXX has an incorrect Social Security number listed for me, which, upon further investigation, appears to have been incorrect for a long time. TransUnion and XXXX are also reporting inaccurate information, including debts that do not belong to me. 

I have already sent proof of my correct Social Security number, along with evidence that the addresses, phone numbers, and debts reported are incorrect. Despite this, the erroneous information remains on my credit reports. This has adversely affected my XXXX XXXX and has led to denials of credit. 

I urgently need your assistance to rectify these issues and to conduct a thorough investigation. I have also placed an identity theft notice with the IRS. It is critical that all incorrect data be removed from my credit reports and that accurate information is reported promptly. 

If this matter is not resolved swiftly, I will consider seeking legal counsel and pursuing further action against all three credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting or other personal consumer reports

I receive mailed pin and customer ID from chexsystems on XXXX XXXX, When I went online today, XXXX, to unfreeze my file, the pin would not work, when i called them they would not accept my pin and would not lift the freeze on my report
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, The TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. These fraudulent accounts consist of a XXXX loan account opened at XXXX on XX/XX/XXXX under the account number XXXX, secured credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX a collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a charge account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Daily phone calls from Sallie Mae asking if I know someone called XXXX or similar name. Every time I tell them I have never heard of this person and please take me off their calling list. They tell me they will remove me and then call again and again and again. Non stop for the last couple of months. 
They are not calling about any debt that I owe. I have never owed this company money and I dont know the people they are looking for.
Product: Credit card

I opened my cards last year, I don't owe any dollars to the card, I've never had a delay, they charged me for each of the XXXX cards annual membership fees of XXXX each, and after 1 month and a half they suspended my cards asking for my tax returns for XXXX, XXXX and XXXX. I sent them all in less than a week, they received them and I haven't used the cards for 2 months. I requested a refund of the annual fees while they make a decision and they said they will not reimburse me. In other words, working as a scammers. I've paid for 1 year use for each card and they keep my cards suspended and no refund my money
Product: Credit card or prepaid card

I have 3 capital one credit card, over 2 years paid as agreed.

I recently found a fraudulent account on my credit report and put a fraud alert on my credit report.

When I applied for a new card with capital one, the followed instructions as I requested on my report, they callee my phone, same phone as Capital one has on my accounts ( 3 ) if them After identifying myself and establishing my identity I was told everything was ok.

Then a few days later I received a letter that was requesting copy of my Driver license, social security card, tax return, and pay stub. 

I sent them copy of my drivers license and copy of my 3 existing credit cards After a phone call they rejected my docs except for my license I did not have the other docs except my license and my existing cards Under KYC rules. I know you are supposed to know your customer. They know me I feel that my credit application was hindered and delayed for weeks because of the Credit message I had placed on my credit file. 
Never before I placed that message on my report was capital one concerned with me identifying myself. 

After contacting me, I answered all questions properly and they still delayed me ultimately I withdrew my application because of unwarranted scrutiny I put on myself simply because of a fraud alert I placed on my file, asking lenders to call me before opening new lines of credit. 

If banks ( capital one ) are going to discriminate against people with a fraud message to call them, they are sending out the wrong message to change consumers, not to place such alerts on their credit file, because they will b discriminated against for doing so. 

I feel if I was a new, established customer this activity would be warranted, but as I said, I have 3 other established accounts over the years that are still open, current standing Is Capital One discriminating against customers because they take an extra step to have lender call them to verify, YES. 

XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

My phone was stolen on Friday XX/XX/year>. They hacked my phone and every account on it. They XXXX, XXXX XXXX, and XXXX XXXX thousandsbefore I caught it on Sunday. I went to the bank on Monday the XXXX and filled a claim. I made over ten trips to the bank and sat with a banker and the bank manager for a total of over 20 hours in two weeks filling claims. They denied all my claims saying it was online activity. They had access to all my accounts!! Since the denial, they have sent me to the escalation department as of last week and I have not been contacted. They even opened a checking and savings account under my name with the same bank. We changed the email and password. Thirty minutes after I left thet have changed my information again and I had to return to fix that also. Please help me!
Product: Debt collection

Todays date : XXXX XXXX XXXX. 
Jefferson Capital Systems recently reported to the bureaus that I owe a {$7700.00} debt. 
-XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX has not yet hit my report. 
Under the information for Jefferson Capital Systems, they are identifying themselves under business type : Finance - Mortgage companies/ Credit Unions / Investments. 

I have never done any business with this company nor heard of them. I have never given them my personal information or the consent for them to use my information. Due to their actions, my credit score has been negatively impacted. 

The only company that has had my consent to use my information in regards to mortgage has been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

My current mortgage is XXXX XXXX XXXX XXXX active since XXXX XX/XX/XXXX. 

I feel certain rights of mine have been violated in these actions and reports.
Product: Mortgage

I applied for a XXXX loan XXXX third. Atlantic Mortgage never sent a loan estimate. They collected additional information for the loan XXXX XXXX through the XXXX We paid for appraisal XXXX XXXX Still no loan estimate on the seventh after we asked for it. The loan has been completely processed at this point. Lenders have to provide a LE within 3 days of application. They can not ask for additional info. They can not ask for fees before the LE is given. We ddi not know this at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

National Credit Adjusters is reporting that I have a new debt with them starting on XXXX.This is incorrect, the debt was purchased from XXXX XXXX and is scheduled to fall off of my credit report next year. They are falsely putting this on my credit report as a debt that started in XXXX. The debt was not their debt they purchased and are trying to restart the debt. This is in violation of the Fair Debt Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently attempted to get a vehicle and was denied due to items in my consumer report and credit score. On XX/XX/2022, I downloaded the consumer report that Equifax has on me, identified by Report # XXXX. After viewing my report in full and utilizing the regulating resources listed in the consumer report ( FTC, CFPB, etc. ), I became aware of federal regulations and laws that limit the information that financial institutions can disclose and protections for consumers. I never gave authorization or consent for Equifax to prepare, furnish or report any of my personally identifiable financial information. I've contacted Equifax numerous times in attempts to have items and information removed to no avail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  THESE ACCOUNTS DO NOT BELONG TO ME