23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

In XX/XX/2020, I enrolled in Covid relief and was approved. In XX/XX/2020, I was charged late fees. I started making minimum payments that I could make, which was approved through company but late fees were still assessed each month. I noticed late fees in XX/XX/2020. I asked why late fees when I had been making minimal payments, which were approved. I was told even though they accepted minimum payment, I still had past due which will incur a late fee each month. No waiving of late fees could be approved. I changed the payment amount to {$150.00} per month and still incurred late payment fees of {$40.00} a month. At this time, I have over {$400.00} in late fees even though I have made a payment each month. So frustrating! COVID hit my family hard. I tried to keep my card afloat to replace my score from dumping and this company screwed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not go into my credit report. tried calling and nothing. there is disputes that i have no idea about since then I have been locked out of my own credit report for months already
Product: Debt collection

Please find the above collection agency by submitting a false sale from XXXX. 

1 ) They allege that they purchased the debt from XXXX # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from XXXX # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated
Product: Credit reporting or other personal consumer reports

XXXX  account number XXXX, is an account showing on my credit files that I did not open nor give anyone permission to open on my behalf.
Product: Student loan

In XX/XX/2018 I went to XXXX I was XXXX for 10 months. During that time my loans went into default. I had filed all the recommended paperwork with the student loan servicer as far as, Being able to keep my loan repayments in good standing during my time away. After my graduation from the program I came to find out that my loans have been in put into default. When I had filed my taxes with the IRS I had an offset for my taxes. Currently I am still in debt {$700.00}. Navient refuses to be understanding to my situation considering every detail they take no blame or a part in pose that they do not have any documentation that I filed in XXXX of 2018 stating that I had filed for a forbearance. Ive lost Thousands of dollars because of their mistake as well as taking a hit on my credit report. What are my options?
Product: Debt collection

I was contacted by XXXX XXXX XXXX on XX/XX/2022. I don't know who I was speaking to, because there's always new management personnel. I was asked when will I be paying my XXXX, rent? I said why would I do that, I moved. I was asked when did I move. I said XX/XX/2022 I was asked did I leave the keys. I said of course. I was asked with who I said the new gentleman that works there. I was asked, did I sign release of the apartment I said yes. I wasn't contacted again until XX/XX/2022 by email saying I owe 2 months rent and cleaning of the apartment. I told them I had proof I moved. I don't know why it's being ignored. I also emailed XXXX XXXX saying I wouldn't be renewing my lease. I was just laid off work I couldn't stay there even if I wanted to. XXXX said I owe XXXX, XXXX dollars. I'm disputing this charge. I notified them I wouldn't be renewing the lease. I vacated the premises on XXXX XX/XX/2022. I have my truck lease my storage lease, and proof when my utilities were cut off. I wasn't living there. They're trying to charge me for water and sewage I never signed a lease to pay water and sewage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim.of identity theft, victim of scam and catfish. I have a page called Truly Crimes if you need more evidence. I have tried to contact the Experian beauru but they arent taking full actions of this. I never lived anywhere but in New Jersey my entire life. I see its in other states my information and no actions are being handled about it. Even my name is wrong, I was going by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ssn ), XXXX XXXX, XXXX XXXX. No other names but yet I see other names in Experian. Idk if other beaurus are the same way but I am not going to fall to blame for someone elses mishaps but my own. I would kindly like this taken care of. I dont like in Florida XXXX Oklahoma XXXX ILLINOIS, Georgia, PA, XXXX or IL. Again. I LIVED in New Jersey my entire life. I already filed this already but no actions are taken. Im ready to process a lawsuit if this isnt handled by any beaurus.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account ( s ) transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX & XXXX XXXX 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached letter that was mailed certified XXXX regarding my privacy.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been sending me collection notices in the amount of XXXX. The collection has been reported as a past due balance. I do not know this company or have I ever had a relationship with this company. I have never done any business with this company. This company does not have a contact with my signature.
Product: Debt collection

Collection Agency XXXX. XXXX, XXXX failed to provide proper validation documents for XXXX cell phone account for the amount of {$1800.00} and it was removed from my credit report XXXX/XXXX XXXX. In XXXX XXXX a new collection agency Diversified has reinserted the same cell phone debt of {$1800.00} in XXXX and I never received ANY notification at all pertaining to this. It just appeared on my reports in XXXX stating that it began in XXXX.
Product: Credit reporting or other personal consumer reports

I want to file this please as my formal complaint to NAVY FCU for allowing the fraudulent accounts on my credit report. I filed an FTC report with the identity theft report number XXXX. As I checked my credit report these are fraudulent accounts are still reflected on my credit report. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Credit reporting or other personal consumer reports

I am looking to have this removed based on the 15 U.S. Code 1681 ( G ), 15 U.S. Code 1681 ( C ) Laws. Please remove this inaccurate information from my credit reports
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following accounts from my credit report, as I am a victim of a recent data breach. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ).

Accounts to be blocked and deleted : XXXX. XXXX  XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXXXXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3900.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries to be removed : XXXX. XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

Unable to dispute on Transunion without paying a fee for additional services. I was able to dispute on XXXX and XXXX with no issues. I have a charge off for credit cards and I did not apply for those accounts. They belong to an ex and are part of her bankruptcy claim ... Thank you in advance for you assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS A CONSUMER, I AM TRYING TO REMOVE THE FRAUDULENT ACCOUNT FROM MY PROFILE, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, THE ACCOUNT WAS OPENED, MAINTAINED BY A THEIF. AS A CONSUMER, MY PLEA IS TO HAVE THE FRAUDULENT ACCOUNT REMOVED. AGAIN, I HAVE NEVER AUTHORIZED THIS ACCOUNT TO BE OPENED, I HAVE NEVER SEEN THIS CARD, I HAVE NEVER USED THIS CARD.
Product: Checking or savings account

Trans union Investigate the account XXXX XXXX its not mine. If you don't I will sure sue you. Your inproper tactics are Sickening. 



What's wrong with you?
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXXn several times regarding them removing all of my inquiries last year between XX/XX/XXXX - XX/XX/XXXX. I advised the representative that transunion removed XXXX inquiries from my credit report and put them back without giving me a 5 day notification in the mail. The overseas representative asked me which inquiries did i want to dispute betweenXX/XX/XXXX and XX/XX/XXXX. I then advised the representative that they deleted all of my inquiries and not just some during the time they had the system issue. The representative put me on hold and talked with his supervisor. The representative came back on the line and told me that I was not one of the consumers affected by their inquiry glitch. After spending over an hour on the phone trying to plead my case, I hung up.
OnXX/XX/XXXX, I made another call to transunion ( XXXX XXXX XXXX ) hoping I would get another representative in the United States. I spoke with a representative whom checked to see if I was part of the inquiry glitch. Low and behold I was, despite the false information I was given on the previous call. The representative then advised me that she could only remove the inquiries between XX/XX/XXXX- XX/XX/XXXX. I then advised her that all of my inquiries were removed and not just those made between the date they had their system issue. The representative then told me that she could not help me with all of the inquiries. I am so frustrated with Transunion. They failed to notify the parties affected by their system issue based on FCRA 611. The consumer should not have to spend days and hours on the phone trying to get them to fix a problem they were ver aware of.
I decided to lodge a complaint, because I refuse to call them and go through that torture again!!!
Product: Debt collection

I just checked my credit and have a collection attempt showing up this month from a company called Midwest Recovery Systems claiming to be collecting on behalf of XXXX XXXX XXXX. I 've found this to be a Pay Day Loan service. I have never in my life obtained a Pay Day Loan, from XXXX XXXX or any other Pay Day Loan company. I 've emailed them saying the debt is n't mine and that it is fraudulant, but in looking online, it seems I am just one of many consumers being impacted and targeted by these XXXX companies. I also would like to add that I 've never been contacted by this company in any way prior to them showing up on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; 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

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This is my fourth 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am a victim of identity theft and I have filed a complaint with the Federal Trade Comission. Amex is trying to collect an alleged debt that was not created by me. I am demanding that they cease all attempts to collect debt from these fraudulent accounts and release all liability from me. I also demand that reporting to the credit bureaus stop and this account be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting an incorrect filing date. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. The case was converted to a Chapter XXXX XX/XX/XXXX. XXXX. TransUnion is reporting the filing date of the Chapter XXXX as XX/XX/XXXX. This is in violation of 11U.S. C. 348 ( a ). The section 348 ( a ) concerns the effects from one chapter to another. 348 ( a ) states in part. Conversion of a case from one case under one chapter of this title constitutes an order for relief under the chapter to which the case is converted. This does not change the date of filing date of the case or petition the commencement of the case and the order of relief. 
XXXX v. XXXX XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ), in which held that a conversion from chapter XXXX to chapter XXXX, the debtors are deem to have filed the converted case at the same time the original case was filed. The filing date of a converted case relates back to the initial filing date. 
Under 348 ( a ) a converted case is deem to be filed at the time the case was initially before the converted case.

1. TransUnion reports that Chapter XXXX original filing date is XX/XX/XXXX and case number XXXX. 
2. I have enclosed the court order conversion of Chapter XXXX to Chapter XXXX. 
3. I have enclose the Discharge of Debtor order dated XX/XX/XXXX. 
4. Resolution : According to 11 U.S.C 348 ( a ) The original file date for the Chapter XXXX must be the original date of the Chapter XXXX petition date XX/XX/XXXX. I am requesting that TransUnion correct the file date.
Product: Debt collection

Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This company is in clear violation of the fair credit act 15 U.S CODE $ 1681c for reporting fraudulent accounts of my credit report.
Product: Debt collection

Source receivable management is calling me every 30 minutes and harassing me every day after I already sent them all the proof transactions from sprint mobile company. I open an account with sprint mobile back in XX/XX/2020 it was 90days promotional lease contract after 90days then it goes to 18mos and an option to buy the phone or device. I closed my account in XX/XX/2020 and return the devices and paid off my last bill in XX/XX/2020. I sent all of the transactions emails from XXXX  company to source receivable management and couple of days later my email come back saying blocked. Not only that they have received my emails and did not like it and so they block my email address. And they put it twice now in my credit report these type of behavior should not be allowed to practice in any ways. All I want is to be removed from my credit report and thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 


request for deletion of collection accounts due to experian lawsuit by cfpb. 


I am writing to formally file a complaint with the consumer financial protection bureau regarding an issue with my credit report and handling of my dispute by Experian. 

recently i became aware of lawsuit filed against Experian for not properly investigating consumer disputes. in my case despite my efforts to resolve discrepancies with my report i have found several collection accounts are still in-accuratley reported, and Experian failed to conduct a thorough and accurate investigation. Due to Experian failure to properly address my concerns i am requesting these accounts to be deleted and removed from my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The way this bank clears transactions is extremely shady. Although all my transactions are posted on my ledger, the account balance is not accurate. On Monday XX/XX/2017, my account balance kept jumping from {$98.00} to {$140.00} and back down to {$98.00}. I 've mentioned to them in the past that their banking practices are dishonest and sometimes lead to me over drafting but they told me they can not control this, which is odd to me. On the day in question, they are having technical issues with their phones so I can not call. I reached out on XXXX and they did not address my issue with my account balance.
Product: Credit card or prepaid card

I pay XXXX XXXX {$1000.00} On XX/XX/2021. 
And I never received any services for my money. The {$1000.00} was to help me with a divorce case. I contact capital one but they never give me my money back. 
I also contact the merchant but she refused to give me back my money. I will never pay back the {$1000.00} that is charged to my credit card because I didn't get any services for my money. Also capital one is using my tax dollars. the money that they lend me is the Federal government dollars which are my tax dollars
Product: Credit reporting or other personal consumer reports

INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Money transfer, virtual currency, or money service

I attempted to transfer funds from XXXX XXXX to Wells Fargo using XXXX. the recipient is affiliated with two accounts at Wells Fargo. Account " A '', a joint account and " B '' a  personal account. The funds went to the joint account NOT the personal account that I would have sworn I designated. The transactions were attempted through XXXX on XX/XX/XXXX {$300.00}, the XXXX {$1000.00}, the XXXX {$1000.00}, XXXX {$1000.00} and the XXXX {$500.00}. Upon seeing the {$3800.00} in the joint account his wife decided that half was hers and took {$1900.00}.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, I noticed that {$100.00} was withdrawn from my bank account. A payment in the amount of {$100.00} was already withdrawn on XX/XX/XXXX. The only time a payment is made is when I request another top up loan which I haven't since the XX/XX/XXXX payment. There isn't a phone number for Oportun XXXX, just an email address, so I emailed them. I received a response from XXXX. He advised that I received a {$100.00} top up on XX/XX/XXXXand XX/XX/XXXXbefore the company was able to recoup the first payment, so now they are going into my account to recoup a XXXX payment. I provided a copy of my bank statement showing that Oportun withdrew {$100.00} from my account for the month of XXXX proving that I paid them. I also informed XXXX that there may be a computer glitch on their end because I received a text from Oportun showing incorrect balances and amounts and asking me to top up when I didn't need to. XXXX then reiterated that the withdrawal from XX/XX/XXXXwas correct because of XXXX and emailed me all debits/withdrawals from Oportun. I reviewed the documentation it only showed two amounts for XXXX. Once again I emailed him the bank statement showing 4 payments in XXXX. He advised he would escalate and someone would be in contact with me. It has been 4 days ( 2 business days ) and still no response. I emailed XXXX back, but still haven't heard from him either.