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

I am sending a complaint because the company has failed to validate this debt on my credit reports in the allotted time which is XXXX days. I have tried on multiple occasions to ask for debt validation and they continue to prolong the process and havent sent any information. They will not even properly investigate my claims. if a company takes longer than XXXX  days to respond to my credit report dispute, the credit reporting agency is required to remove the disputed information from my credit report because it is considered unverifiable under the Fair Credit Reporting Act ( FCRA. I would like to ask that the collection from XXXX XXXX international be removed from my report immediately. I have given more than enough time to validate it is unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXXXXXX 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 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 Please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these incorrect name : XXXX, XXXX, XXXX, erroneous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, and fraudulent account : NAVIENT XXXX DATE OPENED XX/XX/XXXX BALANCE {$46000.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint XXXX & I am including it again. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX Subject : Rebuttal of Bankruptcy Reporting Dear Sir/Madam, I hope this letter finds you well. I am writing to dispute and rebut the bankruptcy information that has been reported on my credit report. I believe there has been an error or misunderstanding, and I kindly request a thorough investigation into this matter.

Bankruptcy Dispute Details : - Debtor Name : XXXX XXXX - Case Number : XXXX - Filing Date : XX/XX/XXXX - XXXX XXXX XXXX XXXX I would like to bring to your attention the following concerns and ask for your prompt attention to rectify the situation : 1. Inaccurate Reporting : I dispute the accuracy of the reported bankruptcy information. To the best of my knowledge, I have not filed for bankruptcy, nor have I been involved in any bankruptcy proceedings. This information is incorrect and misleading, and I request an immediate correction of my credit report.

2. Identity Theft : Considering the absence of any bankruptcy filing by me, it is possible that my identity has been compromised. I strongly suspect that this erroneous bankruptcy filing is a result of identity theft or a reporting error. I request a thorough investigation into the matter to ascertain the source of this incorrect information.

3. Supporting Documentation : I have attached relevant supporting documentation, including copies of my credit reports from other credit bureaus that do not reflect any bankruptcy filings. This evidence serves to demonstrate that the bankruptcy reporting on my credit report is erroneous.

4. Corrective Action : I kindly request that you conduct a comprehensive investigation into the reported bankruptcy filing and take the necessary steps to remove this inaccurate information from my credit report. Additionally, I request that you provide me with written confirmation once the correction has been made.

I understand the importance of accurate credit reporting, and this erroneous bankruptcy information has had a significant negative impact on my creditworthiness and financial opportunities. I am actively working towards maintaining a positive credit history, and I rely on accurate information for this purpose.

I appreciate your prompt attention to this matter and the urgency with which it should be addressed. Please keep me informed of the progress and resolution of my dispute. I can be reached at the provided contact information should you require any further clarification or documentation.

Thank you for your immediate action in rectifying this matter. I look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Credit card

In the past, my purchases with Home Depot were deferred promotional Interest. On XX/XX/XXXX, I was charged with interest in the amount of {$140.00} for a purchase in the amount of {$420.00} which was made on XX/XX/XXXX, last year. This purchase was paid in full over XXXX year ago on XX/XX/XXXX, the next month with my payment of {$580.00}. I have attached a letter and evidence.
Product: Debt collection

I lived in Missouri with a friend by the name of XXXX XXXX from the dates of XX/XX/XXXX to febuary XXXX. I decided to move back to Florida and stayed with a coworker named XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX apartment for less than 3 months. I never signed a lease with them and was on a month to month lease because I had only intended to stay for 3 months. XXXX the office and leasing XXXX understood this agreement and told me to stay off the lease in case she ( XXXX XXXX ) didn't pay bills after I left. I followed his statements. I left in XXXX of XXXX. XXXX XXXX abondand the place after I left. A debt collector by the name of National credit system reported me as having this debt collect of XXXX. I tried to resolve it with them but they refuse to remove my on the account because I lived there for over XXXX. XXXX is willing to talk an to the bureau because XXXX XXXX never gave Nation Credit System my information and I am not responsible for the account. His number is ( XXXX ) XXXX. I have no copies of the lease because I am not legally enitiled to it as I was not on it.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ) to have these unauthorized items removed from my credit file. 
XXXX Accounts : XXXX. XXXX XXXXXXXX XXXX  - Account : XXXX - Date : XXXX XXXX - Amount : {$2100.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX XXXX - Amount : {$640.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$1800.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$670.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$1500.00} XXXX. XXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$260.00} XXXX. XXXX XXXXXXXX XXXX XXXX - Account : XXXX - Date : XXXX - Amount : {$430.00} XXXX. XXXX XXXX XXXX XXXX  - Account : XXXX - Date : XXXX - Amount : {$0.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX XXXX. XXXX - Date : XXXX XXXX. XXXX - Date : XXXX ( listed twice ) XXXX. XXXX XXXX NA - Date : XXXX XXXX. XXXX XXXX - Date : XXXX XXXX. XXXX XXXX XXXX  XXXX - Date : XXXX XXXX. XXXX XXXX XXXX - Date : XXXX
Product: Checking or savings account

Overdraft protection error through BB & T. When we first opened the account we were told we were not approved for overdraft protection after we signed the paper to apply for it, given to us by the banker that helped us open the account. Over the last month we have been charged over {$700.00} in overdraft fees. We complained numerous times, had endless phone calls with BB & T to try and fix it and got nowhere. Our online banking statement did not match what the bankers statement showed. The information shown on our bank statement was false. The balance in our account showed we had more money than we actually did, resulting in an incredible amount of overdraft fees that shouldnt have occured in the first place, because we were told we werent approved! We were also told, seeing we didnt have the overdraft protection the card would decline if the funds werent available! We had overdraft fees before that we payed, simply because one {$36.00} fee wasnt much to complain about but, this became a big issue on XX/XX/XXXX. We had accumulated an overdraft charge of {$230.00} from the start of XX/XX/XXXX. The overdraft fee was taken out from paycheck on XX/XX/XXXX. Leaving our balance at {$550.00} left from a {$780.00} paycheck. I went into the branch in XXXX XXXX, PA on XX/XX/XXXX to resolve this issue because the claims that were previous opened over this were all denied. I was told there was nothing they could do because we signed for the overdraft protection even tho we were wrongfully told we werent approved for it from the start. After recieving a print out of my bank statement I saw I had another negative balance of {$220.00} as of XX/XX/XXXX. I totaled up my transations from this time period and saw I was wrongfully charged for 6 overdraft fees, totaling {$210.00}. On XX/XX/XXXX I went to the branch in XXXX, PA to resolve this issue and was shown that my balance of {$550.00} was not correct. I only had {$350.00} in my account which was the result of the {$210.00} overdraft fee. Ive kept track of my balance, watched my transactions and still got these fees because my balance given to me through online banking was not accurate. When I asked to see the statement that the teller could see, I was told the information was confidential and only for their use. I was told to keep better track of my purchases. Why would they have not shown me in online banking that my balance was only {$350.00} due to other overdraft fees that showed to be already taken out? It already had listed the overdrawn purchases were cleared and taken out but it didnt show the updated total. They clearly scammed me, and I am not the first person to complain of this " glitch ''. I have not been able to pay my bills for the last 2 weeks and my family vacation was canceled because of this issue. There is no way they can legally get away with doing this.
Product: Money transfer, virtual currency, or money service

I had account with coinbase for over 2 years. I placed trades on and off. In XXXX I took radical decision, I decided to become an active day XXXX  in XXXX. I refinanced my house and put over XXXX in my coinbase account. I was doing very well. I was able to raise my account to over XXXX before They decided to lock my account. All I asked to help me access my taxes information to file my taxes. All of the sudden teceived an email from them saying we locked your account and they gave me instructions how to get my account back. It has been over week, I send over XXXX emails through their help desk because they dont have life customer service with no luck. All I received from case no and email stating that we assigned your case to a specialist and he will get back to you. I lost over XXXX since they lock my account. In XXXX market one week is too long. I am day XXXX and I close my trade either daily or next day. Another incident happened to me over month ago. They executed a stop limit sell I put on coin way below market price. They executed my trade at the stop limit price I put even though market price has not reached that price. They also send me case no with email stating that specialist will look into it. It has been over a month and I have not heard from them. I really hope you can help me regain my account back.. I am sure I am not the only victim. I really hope someone will investigate what s going on inside coinbase because they are committing frauds. Your help is greatly appreciated
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  has violated my rights. Or list of inquiries 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: Money transfer, virtual currency, or money service

I made a deposit in the amount of 4,000 and another for XXXX. On XX/XX/XXXX I was told my money would be on hold till the XXXX. The day came and nothing. I kept going back and forth to the bank. The branch manager escalated the situation but to tell me they needed someone on the phone to verify if the checks are real. I gave them multiple numbers but kept saying no. The branch manager show them my paperwork but still they refused so at this point the situation is hopeless. The bank took the checks has the funds on hold and even cover money that was owed to them with the XXXX check but still is refusing to hand over my funds that is owed to me
Product: Credit card or prepaid card

When making payments to my Discover credit card, I initially set up my pay account information with an account number that I received when I first open my account several years ago. Over the years that card has been canceled out to the fraud or other reasons, and anytime I make a payment to that account number the payment does not reflect on my account and I am charge late fees and interest. When I called Discover they tell me that I need to update my banking information so that way the payment is applied to the correct account, however no other credit card company operates this way.  At one point I made a payment of over $20,000 and discover did not know the payment has been received or that they had the money until I called them and inquired about it. It wasn’t until after they connected me to their fraud department and took a look at the old account number to where they realized they had been sitting on over $20,000 of my money, while charging me interest and late fees on the new account number. This particular instance happened about a year ago, but it is happened quite a few times since most recently a couple months ago. It is also happening on the current bill cycle because I called today and my payment had  not been received.I don’t think it’s fair for a bank to receive such a large payment and apply it to an account that is not being monitored. If I make it  A payment to the wrong account number I can understand they would say that’s my problem. However anytime I make a payment to a closed account and it has been converted into a new card number, XXXX, XXXX, and XXXX XXXX are all able to figure out how to apply that payment automatically to the most recent account number. I believe Discover is doing something wrong by receiving payments on closed account numbers and not doing anything about notifying the consumer that they have received the money, are in possession of it, or are applying it to their account. There needs to be checks and balances for something like this.
Product: Credit reporting or other personal consumer reports

This is XXXX 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}
Product: Checking or savings account

On thursday XX/XX/XXXX i deposited a check for XXXX and on friday XX/XX/XXXX i deposited XXXX checks for XXXX, XXXX, and XXXX. All three checks were placed on XXXX business day holds as normal and XXXX was made immediately available. Saturday morning my account went into the negatives as XXXX federal took the XXXX back and extended the holds on the checks to XXXX business days ending on XX/XX/XXXX. I called XXXX federal and escalated the call to a supervisor level. The supervisor removed the hold on some checks to bring my balance back to XXXX in the positive. I thought this resolved me issues and agreed that holding the rest of the funds till the XXXX was ok. Then on tues XX/XX/XXXX the automated banking system reapplied those removed holds taking all the money from my checking and savings and overdrawing my account to negative XXXX draining everything i had. I called navy federal back who advised me i needed to talk to the security dept. I did. Security dept told me it was because of the holds plaved on the checks and that the checks did not come back nsf so the funds will be available XX/XX/XXXX and it would straighten out then. I asked for a security supervisor and told told that none are available to speak with so i would receive a callback from a supervisor within 24-48 hours leaving my account unusable in the meantime. I called back again and got an account specialist supervisor who advised me there is nothing navy federal can do about the money that was taken from either of my accounts, or the money that was released abd taken back until the checks came off of hold on the XXXX. Meanwhile i have written two checks out that will now bounce because of these finds being given to me and removed twice. No answers can be given to me from navy federal about what to do. I keep a daily balance of XXXX or more and have never had an nsf on my account. I deposited these checks from known clients as i always do with the expectation and notification of a 2 day hold like always. The supervisor advised me that the holds were weird and abnormal. I also currently have an additional XXXX in checks that need to be deposited and am afraid of putting them into my account given the circumstances and the current negative balance. All superviors, security dept, and associates have advised me this is not my fault but there is nothing i can do until the automated system lifts my holds. I run a construction company so this threatening to put me out of business as i can not purchase materials, pay for labor and transportation, or function with no funds. This is now causing additional problems beyond just holding checks when checks can easily be verified quicker then 2-5 days. Again none of these checks have come back nsf so giving me available funds and taking them back is not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you are doing well. I am submitting this complaint once again regarding the dispute of the unauthorized inquiries that are currently appearing on my credit report. Despite my previous attempts to have these errors corrected, they continue to negatively impact my credit score and financial standing. As a consumer protected under the Fair Credit Reporting Act ( FCRA ), I have the very right to accurate and up-to-date credit information, and I expect that my rights will be respected. It has come to my attention that there are several fraudulent inquiries listed on my credit report that are in direct violation of the FCRA. I have already made attempts to have these inquiries removed over the past month, but they still remain on my credit file. Once more, I respectfully request the Experian that the following inquiries be immediately removed from my credit report : EXPERIAN : XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  I would like to remind you that under the FCRA, credit bureaus are required to investigate and respond to consumer disputes within 30 days. This delay is unacceptable and has caused me significant financial harm.
Product: Credit reporting or other personal consumer reports

It seems that my credit file has been compromised once again. While reviewing my records, I discovered numerous items that do not belong to me. As a diligent researcher, I found that Section 605b of the FCRA legally obligates you to remove and block any items identified as resulting from identity theft. The disputed items are not mine. I have attached the necessary FTC Report, which I learned through further research is required by both parties. Please block and remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$69.00} XXXX XXXX XXXX XXXX XXXX : {$5000.00} XXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

On or around XX/XX/2023, and XX/XX/2023 I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Midland Credit Management. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Midland Credit Management has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.