23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Acceptance Corporation has sent papers to my XXXX XXXX without informing me first. Credit Acceptance has started garnishment payments through payroll without informing me of their actions. I have never received any paperwork in my hand. 

In addition, I like to file a claim that they are illegally trying to collect an old debt. 
Also, I like to claim my Claim payment for the Settlement Lawsuit against Credit Acceptance Securities Settlement. 
I have never received my payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have negative remarks on my report that I do not recognize and are unverified. I contacted the bureaus and creditor to validate and I have not received any notification or validation. I was informed that they would investigate this within 30 days. 

Please assist with me with this matter. 

XXXX XXXX XXXX Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX XXXX Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 

Account Name : XXXX I don't recognize this account Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX don't recognize this inquiry Creditor Name : XXXX XXXX XX/XX/XXXX XXXX : I don't recognize this inquiry XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX XXXX  Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry Creditor Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I don't recognize this inquiry EQUIFAX CREDIT BUREAU Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Unverified account Account Name : XXXX ( Original Creditor : XXXX ) Unverified account Account Name : XXXX Unverified account Account Name : XXXX XXXX. 
Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX were all on time. 


Creditor Name : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX I did not authorize this inquiry
Product: Credit card

On XX/XX/2023, I submitted my regular ontime payment via XXXX, a 3rd party payment processor, as I have done for at least the past 6 months, and on XX/XX/2023 the payment was returned due to invalid account number, which is absolutely an error due to the fact all of my past payments were processed under the same account number and I was not informed that my account number changed. On XX/XX/2023, my bank sent a balance transfer payment for the complete balance amount via snail mail to the same account number to the payment address on my credit card statement. After XXXX business days my account was NOT updated to reflect that the payment actually posted, so I sent secured messages at the Comenity Full Beauty website, and on XX/XX/2023, Comenity sent me 2 letters, the first claiming it would investigate the dispute, and the second letter requesting more information on the payment. On XX/XX/2023, I received the proof and letter from my bank with verification of the payment, the account number, and payment address. O sent this information via certified letter and uploaded it to the secure message site as well. I also researched Comenity 's defective business and operational practice of failing to process snail mail payments it claims as a valid payment option for XXXX 's of consumers. I have discovered that Comenity 's claim to consumers that snail payments are a valid payment option, are in fact actually unfair and deceptive business practices in that Comenity knows but doesn't report to consumers that it actually has no intention to process snail payments and in the alternative frustrates the process by not confirming receipt and processing such snail payments to fraudulently induce consumers ( and their banks as in my case ) to only accept online via Comenity 's website electronic payments and all others to fraudulently claim no record or receipt of consumers ' snail payments which has caused me countless hours of time and energy and frustration only to find out that this is a fraudulent business practice including failing to correct some Artificial Intelligence technology or through it's IT Department to correct the problem so consumers can have their snail payments processed properly and without undue countless frustrating efforts.
Product: Debt collection

I am in receipt of my credit report dated  XXXX   XXXX ,    2017  attempting to collect a debt from me. I have never done business with you. In fact, I had never heard of your company until having received my credit report. What I find strange is your attempt to collect the debt with me when I do n't owe you any money in the first place! Please see this notice as me disputing this alleged debt with your company as well as requesting debt validation. Send me legal supporting documents bearing that I 've done some type of business with you hence owing you money.
Product: Credit reporting or other personal consumer reports

this TransUnion isn't following up with improper use of credit monitoring. 
i have a paid account that has been reflecting paid in full for the past 3 months. and my credit score has drop XXXX points. 
i don't understand why, this can happen over and over. i attach a copy of the statements. 
i don't see occurring in the other crediting companies.
Product: Credit card or prepaid card

I had a car accident recently ( I was not at fault ) that had injured me and I was out of work and a car for a year and a half. XXXX XXXX XXXX are working on my case and have given me the runaround about my settlement. Non stop letters from my health insurance that was billed directly to me for physical therapy, neurologist and every health service Ive received for recovery and I should have never been billed since I was NOT AT FAULT. 
Despite unforeseen circumstances, Ive been paying a little over the minimum due every month to Barclays Credit Card. 
Barclays credit card company are threatening to close my credit card on account of XXXX reporting & other items on their review. 
Ive requested my credit reporting to all 3 Bureaus to send me my credit reports via mailbox and havent received 1 or 2 of them every time, every year.

I recently reported a freeze on my scores due to fraud and other unauthorized individuals using my credit cards for purchases such as gasoline and I DIDNT EVEN HAVE A CAR! 
One credit card company was nice enough to notify me of these gasoline charges on my credit cards and refunded me {$400.00} for gasoline charges alone. 
Interest rates have increased unannounced, their fraud department is nonexistent and unauthorized charges continue to be charged to my card despite repeated attempts to their nonexistent fraud department. 
Im requesting you to please prevent Barclays Credit Card from closing my account and Im also requesting advice for my options and what I can do. 
Thanks in advance, XXXX XXXX
Product: Checking or savings account

ive banked with USAA for over 20 years Over that time, I have incurred probably over 300 overdraft fees totaling well into the tens of thousands of dollars Its absolutely ridiculous that these overdraft fees are charged to people who cant afford to keep money in their account and might go over your balance by a dollar or so Its a vicious cycle where the rich get richer and the poor get poor USAA should be absolutely ashamed of themselves along with other banks who are praying on lower income people I charging these fees only to make their pockets deeper
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent out a letter to the three Credit Companies XXXX, TransUnion, and XXXX asked them to send proof my information was sent to them by the courts or myself and they failed to send me anything. I ask that they remove the illegal information from my report. I reached out to the courts and they stated they never gave out any personal information to XXXX, TransUnion, and XXXX. I attached Letters as well to my complaint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX {$160.00} Account number : XXXX the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally request the removal of incorrect addresses that are currently listed on my Equifax credit report. After a thorough review of my credit report, I identified several addresses that are either outdated or incorrect and do not accurately represent my current or previous residences. 

The incorrect addresses are as follows : Incorrect Address XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX Incorrect Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX Incorrect Address XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX The correct and current address is : XXXX XXXX XXXX XXXX XXXX CA XXXX These inaccurate addresses could potentially cause confusion and affect my creditworthiness. As such, I request that XXXX promptly investigate this matter and remove the incorrect addresses from my credit report. 

Enclosed, you will find copies of documents that verify my correct address : A copy of my driver 's license showing my current address. 
A recent utility bill ( or bank statement ) with my current address. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate my dispute and correct any information found to be inaccurate within 30 days of receiving this letter. Please confirm in writing once the investigation is completed and the incorrect addresses have been removed from my credit report. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 

If you need any further information or documentation from me, please do not hesitate to contact me at the phone number or email address provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

I signed up for  XXXX   XXXX  at the end  of 2015. A fter falling into financial hard times, I tried to work with them to end my contract. I was later sent messages from an employee named  XXXX  who said he got someone to take over my contract. I never heard anything else from them. Now I am receiving collection bills saying I owe over {$1300.00}. I was given false information from the company and now they are trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a couple missed payments on my USAA card, i have since paid the amount due and late fees and the late marks have not been taken off
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 602 A States I have the right to privacy.

15 USC 1681 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1692 C ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
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.. I am not convinced that you have suitably fulfilled the policies of the Fair Credit Reporting Act in doing your evaluation. I have to pursue my efforts to resolve this matter which required intent to my personal credit report. I am frustrated because the inaccurate item is still reported on my personal credit report which is not clearly stated the accuracy and verification of the information. I reached out to the bank and they told me they would remove the late dates from the account. I keep my own accounting records for payments, and the one you have does not line up with what I have. I ask that this account be thoroughly investigated and updated for proper and legal accuracy. Please fix the account : XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's account is identity theft. I have sent FTC reports to Experian, they still will not remove the XXXXXXXX account. Experian is playing dirty games ....
Product: Credit card

GM CARD by MARCUS, owned by Goldman Sachs. Signed up for " paperless billing. Did not receive ANY email notification of bill, nor any reminders of any due date. Finally I receive a notice that I am " 4 days past due '' ( somehow magically THAT ONE gets to me ). Customer service beyond useless- one hour, two agents & one " supervisor '' who claim " the system will not let them reverse the fee ''. Every other CC I own- reverses a late fee, regardless of blame, if it is the first. That pretty much sums up the XXXX company it appears I am dealing with. 

CC # XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

The company I'm dealing with is XXXX XXXX XXXX. They call multiple times a day harassing me about a debt I believe I'm not responsible for. It is a XXXX phone bill. The debt is now over 6 years old I've been called by them hundreds of times over the years and they keep re aging the debt on my credit report it is currently saying debt is only 1 year 3months. I've disputed this as fraud multiple times but no one on there end cares. XXXX XXXX XXXX is crossing the line with harassment tactics.
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. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of multiple data breaches from Equifax and a XXXX therefore, I need the accounts that been exposed, compromised, and/ or illegally opened as a result of these breaches, permanently deleted.
Product: Credit card or prepaid card

On XX/XX/2022, Discover Credit Card cashed a mailed in check in the amount of {$200.00} from XXXX XXXX XXXX  XXXX XXXX. 

Discover converted the mailed in check to an electronic check. Therefore, I do not have a photocopy of a check, but I do have the bank 's electronic check transaction information showing Discover cashed the XX/XX/XXXX, {$200.00} check from XXXX XXXX XXXX XXXXXXXX XXXX. 

My Discover Credit Card was never credited for the payment on XX/XX/2022, from XXXX XXXX XXXX XXXXXXXX XXXX. And my efforts at reporting the missing payment are ignored and instead Discover Credit Card keeps replying and referencing another, separate, payment that in the amount of {$200.00} from XXXXXXXX XXXX  that I did not and am not reporting as missing. The Discover Credit Card company keeps sending me messages, via U.S. Mail and XXXX that my {$200.00} Payment on XX/XX/2022, from XXXXXXXX XXXX was received and credited to my Discover Credit Card. This is true and irrelevant. I've repeatedly called and mailed Discover Credit Card that my payment of {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXX on XX/XX/2022, is the payment that is missing. I am uploading the electronic check transaction information for the {$200.00} payment to my Discover Credit Card on XX/XX/2022, that Discover Credit Card will not credit my Discover Credit Card even though the payment was cashed by Discover Credit Card on XX/XX/XXXX, and will not tell me why? 

Please have Discover Credit Card credit my account for the {$200.00} separate payment from XXXX XXXX XXXXXXXX XXXX  that Discover Credit Card received and negotiated on XX/XX/XXXX. Please thank Discover Credit Card for doing the same with my other {$200.00} payment from XXXXXXXX XXXX on or about XX/XX/2022 ; but that this is not the payment that is missing and therefore has nothing to do with the missing payment I am repeatedly writing and calling about to no effect.
Product: Credit card

Citi Bank has claimed that my account was verified through XXXX ; however, this raises significant concerns regarding their compliance with the Gramm-Leach-Bliley Act ( GLBA ) and related consumer protection laws. Under the GLBA, financial institutions are required to protect consumer information, ensure its accuracy, and handle it responsibly. By relying on a third-party aggregator like XXXX without directly validating the account details or providing proper documentation, Citi Bank may have violated these obligations. 

Key concerns include : Failure to Protect Financial Information : If Citi Bank outsourced verification to XXXX without securing my explicit consent, they may have improperly disclosed sensitive financial data, violating the GLBAs Privacy Rule.

Failure to Ensure Accuracy : The verification process should involve Citi Bank confirming the legitimacy of the account directly, not relying solely on third-party data, which may be incomplete or incorrect. 
Lack of Transparency : Citi Bank has not provided clear documentation showing how the account was verified, nor have they demonstrated that XXXX performed a legally compliant investigation. 
I demand that Citi Bank provide : Proof of my explicit consent to share my personal financial information with XXXX. 
Detailed documentation of the verification process, including how XXXX validated the account. 
Immediate removal of any inaccurate or unverifiable information from all credit bureaus.
Product: Checking or savings account

On  XXXX   XXXX ,  2017 , I deposited several checks into my checking account, one of which was in excess of {$5000.00}. The branch manager put a hold on this check thereby making these funds unavailable to me for the purpose to which they were intended, even though the check cleared on the day of the deposit, or at the latest, the next day. The person who wrote the check received a notification that the funds had been removed from their account  one  day after the deposit, on  XXXX   XXXX ,  2017 .  Trust  mark continued to hold the funds from my account for 8 more days, until I personally visited the main Trustmark office and spoke directly with the President of the bank. There was no reason given, nor a reasonable criterion for the funds to be held at the time of the deposit, much less for eight more day, according the Federal Re serve  Guidelines 229.13 Exceptions ( under the section of Availability of Funds ). I have done business with Trustmark for almost thirty ye ars. These funds were not being deposited into a new account, and I have never had an overdraft or a redeposited check. There was " no reasonable cause to doubt collectibility. '' None of the other exceptions under this paragraph or its subsections apply, and the President of the bank could not give a reason for the hold having taken place. I not only was inconvenienced twice, but was also unable to pay off my mortgage with the funds I deposited without having to make a trip to the main branch and speak directly to the  President of the bank. And, for eight days, Trustmark profited from my money. If I had not taken off work for a second day to resolve this issue, I have no idea how long they would have held my money hostage .     I think that I have resolved the issue ; although, I have not seen my final bank statement, nor my mortgage statement. I plan to close  my Trustmark account as soon as my pending transactions have been paid. Be forewarned. This is not the first problem I have had with Trustmark. On more than one o ccasion I have had funds misapplied or " lost. '' With these other small issues, I have resolved the problems and moved on without filing a complaint or changing banks, because changing banking institutions is quite inconvenient, but at some point, the consumer has to stand up and make a statement. If you have had a similar experience with Trustmark, I urge you to file a complaint. Please, keep a very close watch on your statements and deposit slips.
Product: Credit card

XX/XX/XXXX a text was received that a XXXX XXXX XXXX  shipped and should arrive by XX/XX/XXXX. 
XX/XX/XXXX I received a text to activate the credit card. 

I never applied for this card so on XX/XX/XXXX I called Capital One to report this as fraud.