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

SEQUIUM ASSET SOLUTIONS This account is currently under dispute under dispute Account info Account name SEQUIUM ASSET SOLUTIONS Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. 
Status updated XX/XX/XXXX Balance {$240.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$240.00} Highest balance - Terms 1 Months On record until XX/XX/XXXX This is the account as it is listed on my credit report and they are clearly incorrectly classifying the account as to an open revolving account when this was never a line of credit its coded incorrectly and therefor is a direct violation of the fair credit reporting act and should be removed from my credit all 3 bureaus immediately. Additionally this is an account that they have re-aged time and time again and that is also not legal. They have failed to provide any validation of the debt or prove i in anyway had a contract with them because I didn't
Product: Credit reporting

I disputed innacuracies/ out-of-date information on my credit report with Experian XXXX and they responded by updating the activity on my accounts to XXXX and lowering my credit score, not taking anything off. I disputed the same information with XXXX and they took everything off, rightfully. I have a judge 's decree that most of the debts I am disputing are not mine. The ones that are mine are from 2007, over 8 years old, yet Experian continues to report them.
Product: Debt collection

XX/XX/2024, I was contacted about a credit card debt my Halsted Financial Services, but I've been contacted by by email. I don't want to be contacted by email, phone, or address.
Product: Prepaid card

Outsourced rep for NetSpend Visa told me I could n't use the prepaid card I received as a gift without giving my birthdate and social security #. I declined and was sarcastically told " no info, no activation. Essentially they stole my mother 's money. I was told I could not use it as a gift card. What a huge scam! Also, they charge a fee for not using the card-again stealing the money.
Product: Credit card

I was marked as deceased in the credit lines and it was false information when im alive and trying to apply for credit but they give me false information that i am deceased.
Product: Checking or savings account

I bank with Albert bank ( theyre issued cards through XXXX XXXX  XXXX I received a cash advance from them in 2021. The account I have on file to pay back that cash advance I no longer have access too. After XXXX  days they decided to suspend my account after I just got paid over this unpaid cash advance. Telling me even if I pay the cash advance I will not have access to my funds for XXXX after paying. XXXX in their cardholder agreements its says the do that or can do that. They only way to reach out to them is email or text. Once I was told my account was suspended they stopped answering me. This is bank is a scam and it is trying to take my hard earned money. Not once did they reach to me about my repayment of my cash advance. 
XXXX XXXX XXXX XXXXXXXX ) This is the link to access their cardholder agreements
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to formally dispute several accounts that continue to appear on my credit report, despite your previous investigation. 

These accounts are inaccurate and in violation of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These inaccuracies are severely damaging my credit score. In accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am requesting a reinvestigation of these accounts. 

I kindly request that you validate the information with the data furnisher and remove any inaccurate or unverified information. Below are the details of the accounts I am disputing : Account Name : Credit Collection Service Account Number : No account # listed Amount : {$530.00} Dispute : This account does not appear on my credit reports from other credit bureaus. Please investigate its completeness and accuracy. If found inaccurate or unverified, remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Amount : {$8000.00} Dispute : Please investigate the completeness and accuracy of this account. If found inaccurate, remove it from my credit report. 

Please provide me with a detailed response to this dispute, including your findings and any actions taken. If no changes are made, please provide the specific documentation used to verify the accuracy of each account. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe allowed under the FCRA. 

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

My credit reports show that my credit history is only 6 months. I paid off a car that is reported on my credit. I bought the car in  XXXX   XXXX  and paid it off in  XXXX   XXXX . All  XXXX  credit reporting agencies previously showed this under credit history, but somehow it 's now only showing 6 months. The reporting company was  XXXX   XXXX .
Product: Debt collection

I AM A VETRAN AND A VICTIM OF IDENITY THEFT. SOMEONE STOLE MY IDENITY AND I HAVE NO KNOWELEGE OF WHO COULD HAVE DONE THIS TO ME.
Product: Credit reporting or other personal consumer reports

I rented a car from Dollar Rent A Car at their XXXX location from XX/XX/XXXX to XX/XX/year>. Upon returning the car on XX/XX/year>, no damages were reported by the attending agent, and I was issued a receipt with no additional charges or remarks about damages. 

On XX/XX/year>, nearly three months later, I received a damage claim notice for {$1500.00}, which was dated XX/XX/year>. This significant delay in notification has caused unnecessary confusion and inconvenience. Despite my efforts to resolve the matter and request clarification, Dollar Rent A Car has not provided a reasonable explanation for the delay in notification or clear evidence that the damage occurred during my rental period. 

Additionally, the company has set an arbitrary payment deadline of XX/XX/year>, without addressing my concerns or responding adequately to my inquiries. I believe this behavior constitutes unfair business practices, as the delay has limited my ability to investigate or dispute the claim effectively.

I am requesting that Dollar Rent A Car either withdraw the damage claim due to the significant delay in notification or provide a full explanation for the timeline discrepancy and clear evidence supporting the claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act - XXXX XXXX XXXX Account # XXXX Collection {$370.00} XX/XX/XXXX XXXXXXXX XXXX Account # XXXX {$1300.00} XX/XX/XXXX XXXX XXXXr Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account # XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Charge off {$1900.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Account # XXXX Repossession {$0.00} XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

Attached please find [ 4 ] Form XXXX issued by USAA wherein they make notice of " Cancellation of Debt ''. Each of the XXXX relates to the following USAA Credit Card accounts which I have repeatedly disputed. USAA : # XXXX, USAA : # XXXX, USAA # XXXX, USAA : # XXXX. Each dispute was met by USAA 's claimthat they verified the account as accurate. Recently, I received refund checks from USAA related to these accounts. I was told USAA had not handled my disputes properly and had in fact overcharged these accounts on numerous occasions. The USAA revelations came about due to complaints to Consumer Financial Protection Bureau, a subsequent investigation, and settlement agreement with CFPB wherein certain USAA members would be reimbursed for USAA 's errant ways. As the attached XXXX will attest, USAA has abandoned all claim to the referenced accounts and cancelled the debt associated with each. Nonethereless, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and others continue to report innacurate information related to my credit report. The continued publication and dissimination of this inaccurate credit information is a manifest injustice. Next, I have been unable to " get verified '' by XXXX XXXX, XXXX   or XXXX in order to obtain a code to temporarily lift my credit freeze. TO say I have been led down a primrose path in my multiple attempts is an understatement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, My wife and I went in to XXXX XXXX, XXXX Of XXXX XXXX XXXX in XXXX, SC looking to buy a car the sales person keep us there for 3 hour, running hard inquires one after all the time telling us we had the car after 3 hour and 27 hard inquires they told us we could not buy this car. they ran 27 hard inquiries in 3 hour and my credit was greatly impacted. Can you please get them to remove these inquiries its cause my family a lot of problems thank you so much. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX
Product: Checking or savings account

On XX/XX/22 I received an email from capital one stating : Dear XXXX, We're restricting your Capital One 360 account ( s ) until we can verify your recent account activity. 

We may contact you to confirm this activity. Based on the results of our review, your account ( s ) may be closed and your balance- plus all interest earned- will be transferred to your linked external checking account.

Questions? Give us a call at XXXX We're available Monday-Friday XXXX XXXX XXXX XXXX

Thanks, Capital One XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE : The federal Equal Credit Opportunity Act prohibits creditors from discriminating against applicants on the basis of race, color religion, national origin, sex, marital status, age ( with certain exceptions ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection, XXXX XXXX XXXX XXXX, Washington DC XXXX. 


I received no communication in regards to what was going on. When I called the bank multiple times, they stated I had fraudulent deposits into my account from XXXX XXXX. I requested to know which deposits were deemed fraudulent and they neglected to provide any information. All that capital one stated was that they had the right to close the account without warning. 

I work and have a reasonable job for a management company to be accused of fraudulent activities. 

This is the only financial bank that I have and do not have any other checkings or savings account.
Product: Credit reporting or other personal consumer reports

Information on my credit report that I didnt authorized that was opened on XXXX XXXX with ( 1 ) CBNA balance {$5100.00} / ( 2 ) XX/XX/ with THD/CBNA
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. XXXX has expressed to me in writing that my disputes will not be acknowledged because the account has been previously verified. The RESURGENT  account # XXXX .... and XXXX XXXX account # XXXX in reference continues to report on my XXXX file without proper verification or investigation. This is in violation of 15 U.S.C 1681i ( a ) ( 2 ). To prevent me from employment and financing opportunities these companies willingly commit aggravated identity theft by reporting this information without my consent. I am legally refusing to pay this debt pursuant to 15 U.S.C 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX and RESURGENT can provide me with sufficient documentary evidence that I have any legal obligations to pay them. Until this is done any reporting of this information in my credit report must be removed. They have no regard for my federally protected rights as a consumer. This is extortion and theft by deception. If these entities continue their unfair and incomplete reporting and debt collection tactics they will be held criminally liable for all damages.
Product: Checking or savings account

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

I have a loan with Village Capital. I went into forbearance due to COVID. I then entered into a loan modification where I added the three missed payments to the end of the loan term. I signed a Note and new Mortgage and returned the docs to XXXX XXXX. They nevertheless reported me 90 days past due on the mortgage. I got a different story every time I called and was assured repeatedly the issue had been corrected. I have nothing showing on my account that a modification was granted and the false credit report remains outstanding.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to the previous Complaint I recently sent to request the removal of the unauthorized inquiries reporting on my Credit File. Upon reviewing my records, I have come across several inquiries that I am unfamiliar with and do not recognize as my own. While I am unsure whether this constitutes identity theft, I believe it is crucial to address these discrepancies promptly to ensure the accuracy and integrity of my credit profile. I respectfully request that the following inquiries be immediately removed from my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I would like to point out that the FCRA requires credit bureaus to investigate and respond to consumer disputes within 30 days. It is my understanding that under section 605b of the Fair Credit Reporting Act ( FCRA ), it is your legal obligation to ensure that any unauthorized and unfamiliar inquiries and information are promptly removed from my credit file.
Product: Credit card

On Posting Date, XXXX XXXX, XXXX, {$.00} was removed from my account as a Bal/Adj/Small Balance Adj. - Transaction Date : XXXX - Card Type : XXXX - Transaction Type : Fee - Reference number XXXX. 
On Posting Date XXXX XXXX, XXXX, {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction. Transaction Date : XXXX - Card Type : XXXX - Transaction Type : ATM Cash Advance or Bank Transaction - Offer ID : XXXX - Reference Number XXXX. 
On XXXX XXXX, XXXX @ XXXX I contacted XXXX in SC @ XXXX in regards to the {$.00} ATM Cash Advance transaction on XXXX. She informed me it was done in the dispute department and I was disconnected from the call. Then called XXXX and talked to XXXX in Tennessee. He informed me the {$.00} ATM Cash Advance Transaction was a general ledger adjustment for a fee adjustment rebill. He was not sure what the general ledger adjustment was for or why it appeared on my account. He checked with his supervisor and he was informed to transfer me to the Consumer Service Department. Per XXXX in XXXX, in the FIA Card Services Department he was not sure what the {$.00} Cash Advance Transaction was about and I ended the call. After spending 1 hour and 5 minutes on the phone with these 3 representatives not one of them was able to give me an explanation. 
On XXXX XXXX, XXXX at XXXX I contacted XXXX in Tennessee @ XXXX. 
Questioned him about the Small Balance Adjustment of {$.00} that was removed from my account on XXXX XXXX, XXXX. He could not tell me why the adjustment was removed but informed me he would issue me a {$.00} adjustment and the {$.00} would be returned to my account within 24 hours. As of today, XXXX XXXX, XXXX this {$.00} adjustment has not been returned to my account. 
Please give me an explanation as to why the {$.00} was removed from my account as a Bal/Adj/Small Balance Adj on XXXX, why the {$.00} was added to my account as a ATM Cash Advance Or Bank Transaction and why the {$.00} adjustment was not added to my account by XXXX/XXXX/XXXX by XXXX.as I was informed by XXXX in Tennessee.
Product: Debt collection

XXXX, Exsperian credit bureau company refused to remove items showing on my credit reported company XXXX XXXX .l have had in ongoing Dispute to please remove these accounts showing doesn't belong. Since XXXX which last more 90 days to please stop reporting. problem 's on the credit scores which. l have have been denied credit. Exsperian XXXX in a resolve problems .. this situation has lasted longer which have written. police report. XXXX Credit reporting company sent me a letter stated They deleted. Information for off my records I requested exsperIan XXXX please delete honor. Statement what l have provided I letter .as evidence XXXX , Exsperian, which has on going disputes in your CFBP Complains since XXXX XXXX with a company Called XXXX XXXX XXXX XXXX. Which now l have on going disputes with this whom requested me to provide additional information records to remove This company from off my credit file. Evidence. I provided police report. XX/XX/XXXX l received a letter states XXXX agreed to remove these companies including these collection agencies report
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXXXXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 


The following personal information is incorrect Account Number : NAME : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I place a fraud alert on my account XX/XX/XXXX. The thieves are still continue to access my credit. I recently reviewed my credit and saw new fraudulent accounts and inquires showing on my report. I didn't not authorize any of this activity. I need to be notified every time my credit is accessed at XXXX. I put this info in my fraud report in XX/XX/XXXX. I have my lawyer XXXX XXXX looking into this situation as we speak and we are in the process of filing a lawsuit. These are the accounts and inquires in question ( EXPERIAN ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX INQUIRES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1200.00} INQURIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent address XXXX XXXX XXXX XXXX PA XXXX ( XXXX  ) XXXX  XXXX XXXX {$1200.00} BAD ADDRESSS XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian NCAC Email : XXXX XXXX XXXX XXXX XXXX  Experian NCAC XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Experian 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 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 We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX  days. Since XXXX they have been reporting it monthly as a XXXX days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has my NATIONAL CREDIT SYSTEM ( Original Creditor : LIONS GATE APTS account listed as ( Not Satisfying F20_Trading ) which is a Charge-Off. Thats a certificates of indebtedness which is income and it needs to be removed off of my credit report. Also Law office of XXXX XXXX is 3rd party agency now has access to my report V in which I did not consent nor give permission for me them to have access. Thats a violation of my privacy rights under the Privacy Act of XXXX. 

Date : XX/XX/XXXX Amount : {$530.00}