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

On XX/XX/2019 I made a purchase of three items from XXXX. On XX/XX/2019 I received a package from that merchant with the correct name and tracking number, however the contents of the package was not what I ordered. I contact the aforementioned merchant, explained the situation and was advised of the following : XXXX stated via chat that they understood I received the wrong items. They further stated thats I received the wrong package by error and that my package was still enroute. They advised to wait 2-3 business days and I should have the items I ordered, I simply received someone elses package by mistake is what they continued to advised. I proceeded to wait 2-3 business days, however the second package with the correct order never arrived. I contacted XXXX several times after that and was told they could not send a replacement order to me. 
I again explained that a package had arrived it just had the wrong items. 
I received no assistance from XXXX. I then filed a dispute with my Discover card. They stated that XXXX advised my order was shipped/delivered to me and they ruled in XXXX favor. I contacted Discover, who had incorrect details of my dispute and they re-opened my claim. Today, they ruled once again in XXXX favor. This issue is this, Im not contesting whether or not I received a package, Im disputing the charge because I did not receive what I ordered. I offered to send the incorrect item back however was told bun XXXX that it was not necessary and that my correct order will be arriving within 2-3 business days. 
The amount was {$290.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. Should be held liable under 1681e ( b ). As an overwhelming weight of authority holds that credit report is inaccurate either when it is patently incorrect or when it is misleading in such a way and to such an extent that it can be expected to have an adverse effect. '' Khan v, EquifaxInformation Service, LLC No.18-cv-6376 ( MKB ) ,2019 wl 2492762, at*3 ( E.D.N.Y. June14,2019 ) ( collecting cases. ) 15 U.S.C 1681i ( a ) ( 1 ) based on the accuracy of the credit report concerns about the reinvestigation of information and lousy attempted was done clearly. 
I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. They're not accurate not even close. Please delete/remove the following : 1XXXX XXXX # XXXX Fraudulent account opened never paid. 2XXXXXXXX XXXX # XXXX Never done Business with this company please delete/remove. 3.XXXXXXXX XXXX XXXXXXXX XXXX XXXX FAILURE of notice violation never received notice of account.4.XXXX XXXX # XXXX Never open such account fraud please delete. 5.XXXX XXXX # XXXX Never open such account fraud please delete. I am filing a police report and an FTC report as well. I don't know who could have used my information. However, I will get to the bottom of this asap.
Product: Checking or savings account

Navy Federal do overdraft fees and even when you opt into XXXX. I just need to my account looked over.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I have two late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late for the account ( XXXX XXXX Acct # XXXX ) Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to on time as they should be I was never late.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A CHARGE OFF REPORTING ON ALL THREE OF MY CREDIT PROFILES AND THAT CHARGE OFF IS FOR XXXX XXXX XXXXXXXX. MY SOCAIL SECURITY NUMBER WAS FOUND ON THE DARK WEB. I'VE ALSO NOTICED THAT THE STATUE OF LIMITATIONS IS EXPIRED ON THIS ACCOUNT FOR STATE OF IOWA. 

According to the information given to us by the credit bureau, the date of last activity by the original creditor was ( XX/XX/2016 ). The Statue of Limitations on this alleged debt, even should it be ours, is 5 years in the state of ( IOWA ). 
Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. 
I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). 
However, I would like to point out that it violates provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt. 

The exact statu

te : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) the legal status of the alleged debt and ( B ) any services rendered or compensation which may be lawfullyreceived by any debt collector for the collection of a debt. Section 604. Permissible purposes of consumer reports The exact statute : [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ;
Product: Credit reporting or other personal consumer reports

So this morning on XX/XX/year> my credit score dropped on experian because I reported and filed a claim on cfpb my score went from XXXX XX/XX/year> score changed to XXXX score to now within days of filing a complaint my score has dropped to XXXX again XXXX points within days of filling a complaint this is retaliation from XXXX XXXX  and experian from this company experian credit it was changed without any reason given on why or via call or letters of notification and there is no new credit or collections or enquires filed
Product: Debt collection

We share the same last name as the debtor, but we do not know them. Ally Financial has called 4 times in the past week " on behalf of family looking for '' the debtor. I have told them they have the wrong person and to stop contacting us immediately, but the calls persist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing complaint because the credit bureaus has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly delete all informatio which can not be verified. '' that I have disputed. Please  resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a blatant example of false, inaccurate, and scandalous credit reporting by a major XXXX XXXXXXXX XXXX. USAA FSB is reporting this account # XXXX is associated with my Chapter XXXX bankruptcy. This a patently untrue and false. This account was " Paid-in-Full '' more than a year prior to my filing Chapter XXXX. This account was paid-in-full on XX/XX/XXXX and I filed for Chapter XXXX on XX/XX/XXXX. Yet USAA has somehow misconstrued it's credit reporting by stating this account was included in a Chapter XXXX proceeding. Furthermore, USAA is stating on my credit report that this account is " Derogatory '' and in " Payment Plan ''. This false reporting is directly harming my credit rating. Please note that I paid all my creditors in full and exited Chapter XXXX in 2 1/2 years.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX cable claims I owe a debt that is not mine. I have received XXXX communication from them other than it popping up on my credit report. I cant get ahold of them without an account number which I do not have. Two of the credit bureau have deleted the debt but XXXX  claims the debt was verified. I honestly feel held XXXX by this. The debt is for {$300.00} and has been posted to my credit for over two months. The cable company doesnt even service my area and I have never had service with them. I have received nothing trying to collect the debt I dont owe but it adversely affecting my credit. I have not missed a payment on anything in over 20 years but here is a XXXX debt being extorted from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Late Payments from XXXXXXXX XXXX
Product: Checking or savings account

I opened an account with Bank of America maybe 45 days ago. XXXX XXXX XXXX XXXX I started shopping more which is expected. Suddenly my card was being blocked on websites without warning or calls from Bank of America. XX/XX/24, I ordered a new card and used XXXX to continue my shopping and Bank of America stopped allowing me to do that or use my money at all. XXXX, I called and spoke/ transferred to about six people including one supervisor. Only one representative was able to assist me to get into my account with a forced authorization code issue that BOA can not send to me because of their system. After asking the supervisor to stop this activity or explain while telling him I would close my account, he retaliated by blocking access to my account. Not sure how a bank can legally do this and play with consumers accounts without reason and after confirming personal information for everyday regular purchases. I dont have time to sit on 20 plus hold for codes for simple purchases.
Product: Credit card

Chase Credit Card : Below are the XXXX amounts outstanding on my Chase Credit Cards. The credit card ending in XXXX has had a 0 % interest rate offer on balance transfers for a year. I 've contacted Chase numerous times this month requesting to combine both credit card balances, ( each with interest rates of 15 % + ) on to the 0 % offer, speaking to Supervisor after Supervisor ; however, each occasion they would not allow me to transfer within the company. Stated " it 's against policy. '' I came to the solution of contacting the White House, because this policy is not fair. 
CREDIT CARD ( ... XXXX ) Account Summary Current balance {$7900.00} CREDIT CARD ( ... XXXX ) Account Summary Balance last statement {$2300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account This company is a collection company and bought an old debt from Upstart Loan Operations. This debt was settled, however it is still reflecting on my credit report as negative and I need it removed immediately.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and noticed several inaccuracies on my account with U S DEPT OF EDXXXX. This inaccurate information is negatively impacting my ability to obtain credit. 

I am requesting that you investigate and verify the accuracy of this account information. 

Here is the item I am asking you to verify as accurate : - Account : U S DEPT OF EDXXXX - Account Number : XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Im not sure of dates ... but I have disputed this account numerous times with all 3 credit report agencies wells fargo card services is on my credit report with a balance of {$3200.00} credit card limit being {$3300.00} i have absolutely no knowledge of this account. Im not sure if its fraudulent or a mistake. I did open a secured credit card with Wells Fargo in 2014 with a {$300.00} dollar limit but that was taken care of on my report. How can I get this removed and how can I figure out if it was fraud?
Product: Credit card or prepaid card

XXXX credit card with Comenity bank locked me out of my account, cancelled my auto pay, then charged me {$60.00} fees on a {$30.00} balance due to my " late payment ''. I had to call the bank and wait on hold for 20 minutes to execute a payment, and the representative XXXX XXXX was EXTREMELY rude and basically confirmed the contempt the bank has for customers. This behavior ( not allowing me to pay while charging me fees ) seems predatory in the least, most likely illegal.
Product: Student loan

NAVIANT kept talking me into forbearances and deferments for almost 15 years making promises and telling lies about how it will impact me. Now I have a mountain of fees and interest I will never be able to repay. I have years of forbearances and deferments from NAVIANT. Not months but actual years!
Product: Credit reporting, credit repair services, or other personal consumer reports

611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). 
I HAVE DISPUTED THIS ACCOUNT ON MULTIPLE OCCASIONS. THE MOST RECENT BEING XX/XX/2023. XXXX XXXXXX/XX/XXXXACCOUNT IS NOT MINE. PLEASE SEND A COPY OF MY WET SIGNATURE AND MY ID VERIFYING THAT MY IDENTITY WAS USED WITHOUT MY PERMISSION
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I check my credit and notice some fraud accounts on my credit that I did not Authorize. I have no Knowledge or have I open any of these Accounts This is fraud, and I want to put a fraud Alert on my credit so that this will not happen again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to all 3 companies about eastern account systems collection on my credit report for XXXX. I had requested validation of this account being they claim it is verified. To adhere to my rights as a consumer, I have the right to see how they validated this account with a contract between me and eastern account systems showing I owe them. Still to this day despite three requests of this, each company failed to respond with this proof. 

I had a account with XXXX starting in XX/XX/2013 when I moved to XXXX XXXX. I was not working and had {$500.00} in pa benefits, {$400.00} which went to rent leaving {$100.00} for bills and other needs. My NYSeG XXXX was in arrears starting XX/XX/2013. This never became current while I had this account. I did not have the funds and relied on heap to help prevent shut offs. Due to this, the law states debt is to not be reported after XXXX years of first delinquency, this is clearly a 9 year old debt. 

Approximately a year and a half ago I had applied for XXXX in XXXX for this bill owed and was APPROVED for full amount. XXXX was paid by XXXX. 

Which makes this debt invalid due to law of 7 years and it being paid. I do not owe.
Product: Credit card or prepaid card

XX/XX/2022 Was sent a pre-approved application tried to get it processed and something funky happened. I believe they stole my identity. 
Avant Mastercard
Product: Mortgage

I tried to get a XXXX contract phone they called a number for credit check the machine said I had a mortgage in my name and there should n't be
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX  Account XXXX XXXXXXXX XXXX # XXXX Account : XXXX XXXXXXXX XXXX XXXX  XXXX 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 an account without my written instructions.

15 USC 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 USC 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.
Product: Credit reporting or other personal consumer reports

I am disputing Experians continued misreporting of late payments on my XXXX XXXX XXXXXXXX account ( XXXX ) an issue that remains unresolved despite clear evidence of inaccuracy. Experian is failing to meet its legal obligations under the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in consumer reports. Yet, my account is still being falsely reported with a payment status of Current, was past due 30 days four times, while other credit bureaus have correctly reported it as Paid or paying as agreed. This clear inconsistency proves Experian is negligently and willfully allowing false information to remain on my credit file. Furthermore, under 15 USC 1681b ( a ), a consumer report may only be furnished for permissible purposes. Reporting and disseminating false, damaging, and misleading information does not serve any legitimate purpose and constitutes a direct violation of this statute. The inaccurate late payments for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX must be immediately removed from my credit file. I am demanding that Experian promptly correct this issue, update my payment status to reflect accurate reporting consistent with other bureaus, and provide written confirmation that the necessary corrections have been made. If Experian fails to act, I am fully prepared to pursue all available legal remedies, including holding the company liable under 15 USC 1681n for willful noncompliance and 15 USC 1681o for negligent noncompliance. This is Experians final opportunity to resolve this matter before I escalate my actions further.
Product: Credit reporting or other personal consumer reports

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report is true. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Collection {$320.00} XXXXXXXX XXXX XXXX Collection {$0.00} XXXX XXXX Collection {$3600.00} XXXX  XXXX ( Original Creditor : XXXX SXXXX XXXX  ) XXXX Collection {$3600.00} XXXX XXXX XXXX Charge-off {$11000.00} XXXX  XXXX Charge-off {$5500.00} Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2022 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Money transfer, virtual currency, or money service

{$17000.00} in portfolio sold off fraudulently on XX/XX/2021 between XXXX all of my Coinbase was sold off to another account / email which I am in possession of I did not authorize this transaction. I notified coinbase and was given a case number they give me automated answers and no real response they are completely liable since I did not authorize any of my account to be sold off ETH XXXX @ XXXX am ( {$10000.00} XXXX XXXX XXXX @ XXXX ( {$2500.00} ) XXXX XXXX @ XXXX ( {$1000.00} ) BTC XXXX @ XXXX ( {$2000.00} ) LTC XXXX @ XXXX ( {$620.00} ) LINK XXXX @ XXXX ( {$620.00} )