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

I recently examined my personal consumer credit reports and identified questionable or inadequately verified data in the records maintained by your company. It seems that information which had previously been removed may have been added back to my credit profile without the requisite 5-day notice, thus violating the reporting regulations you are obligated to adhere to.

According to the Fair Credit Reporting Act ( FCRA ), any information that has been removed should not be reintroduced into a consumer 's credit profile without directly informing the affected consumer in writing within five business days. However, I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX Employer - XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXXXXXX - XXXX XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Your agency is in violation of the law! As per 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Additionally, 15 U.S.C. 1681 Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without my explicit written consent. Moreover, 15 U.S.C. 1681c. ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no individual should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit card

Beginning in XX/XX/year>, Care Credit, a subsidiary of Synchrony Bank, began adding a {$1.00} fee to customers ' bills who prefer receiving paper billing statements. I'm " old-school '' and prefer receiving a paper billing statement from my creditors and utility companies. No other company that I heard of or that I have business with charges this fee. I think that it is preposterous for a company to charge customers a fee like that. It does not cost {$1.00} to print, mail and process a paper statement and check. This is a new 'junk fee ' that has been created, like the ones that the Biden administration eliminated. Please contact this company and have them to remove the fee. Thank you.
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 lagging 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 transactions.
Product: Debt collection

I received an alert regarding a collection account placed on my XXXX report. I have never received anything in writing confirming any sort of delinquent accounts or debt collections. All addresses in all my credit reports are up to date and accurate because there is fraud alert on all my credit reports. It states the account was opened in XX/XX/2015 and i do not have an account with the original creditor. When I contacted the phone number listed for the company they did not verify who I was. I checked all past XXXX, XXXX, and XXXX credit reports there is n't anything listed on my report from any collection agency or the original creditor. Both my XXXX and XXXX current credit reports do not have this account on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX Balance : {$560.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$660.00} ; XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX : {$530.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus have illegally hoarded my person information without this Consumers expressed written consent. XXXX WITH A SECOND HACK ON XX/XX/2017. I 'M IRRITITATED. Pursuant to the 1974 Privacy Act all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all three credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others. My wish is to demand on my behalf that all 3 credit bureaus remove all of this Consumers social security number, date of birth, financial accounts or credit/debit card numbers, driver license number, detailed health or medical history or similar sensitive information. All relations with these 3 credit bureaus are now in question for reporting fraudulent information to disgrace this Consumer.  Consumer wishes for damages of XXXX XXXX dollars from all 3 credit bureaus for their Treasonous deeds and all will be forgiven. Consumer would also like thank thr Consumer Finacial Protection Bureau for protecting her/his Personal, Family, and Household.
Product: Debt collection

I keep receiving an email from XXXXXXXXXXXX subject line : lawsuit regarding a one time payoff amount for {$390.00} to ACE-Ace Cash Express total amount being {$750.00}. I do not know where this comes from and it does not show up on my credit report. 

" This is in reference to your CASE FILE NUMBER *** with XXXX in order to notify you that after sending several emails and making calls to you on your phone number, we were not able to get hold of you. SO the IC3 ( Internet Crime Complaint Center ) has decided to mark this case as a flat refusal and press charges against you. 

Your account with XXXX is in Final Collections. According to our records, your outstanding balance has been increased to {$850.00} .... We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench of jury then you have to bear a law suit which will be amounting to {$4500.00} and will be totally levied upon you and that would be excluding your bail charges, your attorney charges and the due amount pending on your name {$750.00} ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Neverauthorized any credit check from XXXX XXXX. I was told that this was never going to show up on my credit record. I was misled by sales rep, trying to sell me a service. Spoke to XXXX XXXX, Salesperson on phone that day. He said I never should have been asked for any information. 
XXXX XXXX, XX/XX/2017 XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

Ex

perian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. In reviewing the attached screenshot all will discover that is an outright  XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin.

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Debt collection

On XX/XX/2020 I received a a telephone call from a woman who identified herself as XXXX XXXX and stated she was calling on behalf of First Federal Credit Control, a collection agency and insisted I was indebted to XXXX XXXX Center in the sum of {$590.00}. I explained to her that the bill had been paid. She then threatened to impair my credit ( in a threatening, antagonistic and intimidating manner ) by reporting this debt to a credit reporting agency. Immediately after the threat she disconnected ( slammed the phone, in the old days ) the phone when I tried to repeat the bill was paid. Since it is easier for this senior citizen to hear conversations on a speaker, my guest, Mr. XXXX XXXX ..., heard the entire conversation. Since Ms. XXXX XXXX XXXX XXXX had information relating to my age and medical issues I believe she was trying to intimidate an old man.
Product: Credit card

My XX/XX/XXXX statement had a balance of {$1900.00}. A payment of {$1900.00} was paid on XXXX leaving me with a balance of {$0.00}. I owe {$0.00} plus any accrued interest since it was not paid in full by the due date of XX/XX/XXXX. According to the terms and conditions, interest is charged on the unpaid balance. In this case, is {$0.00}. My XX/XX/XXXX show I owe {$32.00} of interest only charges. My APR is 29.24 %. Please explain how that calculates to {$32.00} interest for {$0.00}. Please note I paid {$6.00} on XX/XX/XXXX which included the {$0.00} previous balance and a recent charge in the amount of {$5.00}. Im not disputing interest is owed to Capital One but the amount. I requested my account notes from XXXX with employee Id XXXX and my request was denied. Also, by his supervisor XXXX employee id
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan in XXXX  to finance a XXXXXXXX XXXX XXXX I financed {$3400.00} I made the suggested payment of {$47.00} for over a year. I decided to pay off the loan this year and at that time discovered that my payment had only applied to interest with none of the payment applied to the balance Can this be legal I feel foolish and taken advantage of I am a XXXX  XXXX XXXX XXXX at the time. I do not recall any explanation that the suggested payment was only for interest How long would this have gone on? 
The loan was with Time Investment, XXXX XXXX XXXX, XXXX XXXX, Wi also another address is XXXX XXXX XXXX, XXXX, AZ XXXX or physical address XXXX XXXX XXXX XXXX, XXXX, Az XXXX XXXX XXXX Fax XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I have been in contact with Dailypay customer service and for XXXX weeks about their inability to let me log in to my account that they have claimed already exists. They have sent me text messages, emails, I've talked to the website chat employee, on phone with at least XXXX employees and XXXX supervisors which hung up on me. I do have records of many of these conversations and used them in a BBB complaint. 
They have now put me in touch with their technical team which refuses to contact me through other means other than an smartphone, this is all after various attempts of mine with emails at their suggestion, just to simply sign into my account to correct my profile and Dailypays incorrect data on myself. 
This is all shown on my uploaded pdf files, along with others I presented to the BBB
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX XX/XX/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

I am in a massive medical malpractice lawsuit with XXXX XXXX and therefore I will not owe these debts..There is a total of {$660.00} that still needs to be removed from XXXX and XXXX and XXXX XXXX My attorney is aware of these charges and said I will not owe them..so please remove these debts from my credit report. ARS Acct Resolution {$530.00} and {$280.00} and ARS Account Resolution {$190.00}. The accounts are with : ARS Account Resolution of FL Company 's Response We have reviewed our records in this matter, and find the following. Our client, XXXX XXXX of FL, is a provider of inpatient physician services at XXXX XXXX XXXX XXXX. The following accounts have been placed with our office. Reference number XXXX date of service XX/XX/17 balance {$190.00}, reference number XXXX date of service XX/XX/17 balance {$530.00}, reference number XXXX date of service XX/XX/17. While our client 's services are separate from those of the facility, in an effort to resolve this matter, due to the quality of care issue that has been raised, we have agreed to close the accounts, an request deletion of the items from the consumer 's credit report. Please allow the bureaus 30-45 days to update their records. 

This his not been done with XXXX and XXXX and XXXX... please resubmit your response to these companies so they will remove these debts as you stated you would.
Product: Mortgage

XXXX XXXX XXXX XXXXXXXX FOR PRELIMINARY INJUNCTION AND TEMPORARY RESTRAINING ORDER pursuant to the Notice to Occupant of Pending Acquisition ( NOPA ) issued under XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX was issued based on fraudulent and unlawful practices by Defendants, including : Violations of HUD Federal Mortgage Servicing Rules, including failure to comply with required loss mitigation procedures.

Deceptive practices and unlawful foreclosure actions, as documented in Plaintiffs FBI report. 

These actions violate Plaintiffs rights as a borrower under HUD/FHA guidelines and federal law.
Product: Credit card

XX/XX/2023 card is paid company assured me it would be off my credit report
Product: Credit reporting 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 15 USC 1681. 

US DEPT OF ED # XXXX US DEPT OF ED # XXXX XXXX XXXX # XXXX XXXX  XXXX # XXXX 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : No consumer reporting agency may make consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions and crimes which antedates the report by 7 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 the the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Again, I was going through my records & noticed the fraudulent account which does not belong to me STILL reposting on my file in Equifax. The other bureaus have already DELETED this fraudulent information so my question is why do you still report this damaging record? I have already disputed this account several times and stated that I am an identity theft victim. I even forwarded my FTC report I filed online on their website along with my personal information and documents but still, you chose to continue reporting this account. Credit Bureaus are bound to comply with the FCRA regulation section 605b but you never cared nor paid any attention to my Disputes. You became negligent of the FCRA law and continued reporting this information on my Credit File without Proper Verification nor Investigation. Now, I want you to REMOVE this account from my file like the other bureaus have done. 

XXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2024 my Paypal account got hacked and it happened about XXXX minutes before Paypal closed. I called and someone unsuccessfully tried to help me secure my account. I got locked out of my account and had to call again on XX/XX/2024 and the person on that called said that the person did it wrong. She filed a dispute about the unauthorized transactions. I never heard anything back and she said I should see my money back in 10 days. I never seen any of my money. I called today on XX/XX/2024 and they pretty much said that the person on the XX/XX/XXXX also filed the dispute wrong and it is too late for the dispute. My account shows that on XX/XX/2024 someone by the name of " XXXX XXXX '' was sent {$1.00} and {$100.00}. I do not know this person and I never sent it. PayPal refuses to help me get this money back. Also, shows that on XX/XX/2024 that there were unauthorized transactions to a company called " XXXX '' for two transactions of {$1.00} and {$58.00}. Customer service put a dispute against this transaction when I stated that I was responsible for transferring the money, which I wasn't there were clear emails when the hacker changed my email and phone number, twice. The first time I called Paypal the hackers were in my account trying to drain it. Customer service failed to secure my account. When I called them again customer service failed to report of the correct fraud activity making it look like it wasn't fraud I am missing {$160.00} that I have no guarantee to ever see back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : Inquiries ; Accounts : XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX. Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a fraudulent collection account on all three of my credit reports, XXXX, XXXX and XXXX from a collection agency called " PENN CREDIT CORPORATIO '' original creditor being " XXXX ''. This is the exact spelling on my credit report. The alleged balance is " {$920.00} ''. I discovered the alleged collection item on XX/XX/21. I have no knowledge of this account and it was placed on my credit report inaccurately. I have reached out to all three credit bureaus including the collection company with no response yet. I believe I may have been the victim of Identity theft and I want this matter resolved immediately as it is affecting my ability to obtain credit.
Product: Credit card or prepaid card

I signed up for a Venmo credit card during their spend {$1000.00} get {$200.00} promotion. I met all qualifications. {$200.00} was never credited to me. I have called XXXX times. Each time I spent about an hour on the phone. I was told on both occasions that they could see i was compliant with the mandatory requirements to receive that {$200.00} and that it would be credited to the account. This amount has never been credited.
Product: Credit reporting or other personal consumer reports

Reporting credit agency XXXX XXXX score is too low compared to XXXX and XXXX. XXXX reports a score of XXXX while XXXX and XXXX report an average of XXXX. XXXX is miscalculating my score otherwise their XXXX would be much closer to XXXX. I have asked them to confirm and they have refused. I want them to issue the correct score and not punish me.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act account XXXX from XXXX XXXX XXXX was already pay since XXXX XXXX in total of XXXX dollar. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 section 604 A section 2 : IT also states a consumer reporting agency can not furnish a account without my written instruction.