23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

avient, XXXXXXXX XXXX, and XXXXXXXX XXXX XXXX XXXX XXXX XXXX continue to report I am delinquent on student loans from XXXX. The information reported is inaccurate. All student debt from XXXX to XXXX has been resolved more than 10 years ago. I have disputed the charges with XXXX, XXXX, and XXXX ( as well as Navient, XXXX XXXX, and XXXXXXXX XXXX. However, after a 30 day review period, I receive notification from the credit reporting agency stating, " Subscriber reports dispute resolved-consumer disagrees. '' The matter is then closed by the credit reporting agency. As I continue regularly to dispute the information reported, Navient and XXXX XXXX ( and an assorted host of attorneys and/or collection agencies ) transfer or sell the bogus accounts amongst themselves. Then the new buyer of debt reports the same account with different dates and dollar amounts to each credit agency. Not only do I not owe the debt continuing to be reported, but the date of balance origination is from XXXX, that is TWELVE years ago. I guess I shouldn't have been shocked, but I was at how brazen and unethical the reporters are : they have fraudulently claimed my last payment toward each account was made on XX/XX/XXXX, which is an absolute lie. However, they are acutely aware if payment was made in XXXX for a XXXX file, the can continue to desegregate my credit file. I am prepared to upload credit reports with notations on information pertaining to my complaint today.
Product: Debt collection

National Credit Systems is attempting to collect on debt from XXXX XXXX XXXX XXXX XXXX. I had originally disputed the debt to XXXX as being invalid, and I was originally unaware of the debt to XXXX XXXX XXXX, but also maintain that debt is also invalid. 

The debt to XXXX  is invalid because XXXX  made an insurance payment to XXXX XXXX XXXX in the amount of {$1000.00} that was invalid for the following reasons : - XXXX XXXX XXXX charged me XXXX XXXX for renter 's insurance, despite me having my own insurance and notifying them of that fact. The total amount was {$75.00}. 
- XXXX XXXX XXXX charged me {$810.00} for early termination of my lease. However, I terminated the lease because they violated the lease agreement by failing to fix a broken gutter that was hanging dangerously close to the electrical lines after being notified of the damage. By violating the terms of the lease, I can not be charged a fee for moving out early. Additionally, the original lease agreement does not mention the {$810.00} fee. 
- XXXX XXXX XXXX charged an excessive amount for cleaning. {$60.00} to vacuum some pet hair, {$150.00} to mop floors, and {$120.00} to wipe down appliances. 
- The total charged by XXXX XXXX XXXX was {$1200.00}, of which XXXX paid {$1000.00}, despite me disputing the charges. 

The debt to XXXX XXXX XXXX, in the amount of {$230.00}, is invalid because it is the total fee minus the amount paid by XXXX. 

I have attempted to discuss the invalidity of the debt with National Credit Systems, but they have refused to look into the matter.
Product: Credit reporting or other personal consumer reports

XX/XX/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 XXXXXX/XX/XXXX ] TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Immediate Deletion of Unauthorized Credit Inquiry Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) To Whom It May Concern, I am writing to formally dispute an unauthorized credit inquiry that appeared on my TransUnion credit report immediately after I removed my credit freeze. The inquiry in question is from the auto dealer XXXX XXXX, referenced as XXXX XXXX. I did not authorize this inquiry, also XXXX from XXXXXXXX XXXX XXXX XXXX XXXX XXXX and its presence violates my rights under the Fair Credit Reporting Act. 
I respectfully request that you : 1. Investigate this unauthorized inquiry immediately.

2. Delete all records of this inquiry from my credit file without delay, as required under the FCRA and all other applicable credit reporting rules.

3. Provide written confirmation of your investigation and the outcome of your findings. 
I have not provided consent for XXXX XXXX any aliated partyto conduct a credit inquiry. 
Under the FCRA, a credit inquiry may only be made with my explicit authorization. As such, I demand that this inquiry be removed from my file immediately. 
Enclosed is a copy of my credit report with the disputed inquiry highlighted for your review. I expect to receive written confirmation of the removal of this inquiry within 30 days in accordance with federal law. 
Should you require any additional documentation or information, please contact me at the address or phone number listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

Equifax, Experian, and Transunion failed to respond promptly to my previous complaint about removing XXXX XXXX XXXX XXXX ( XXXX ) from my credit reports, even though this account is over seven years old. I have reported this issue multiple times due to the account and dates being changed to remain longer on my credit reports. This is fraud and it is illegal. 

The second issue is that Department of XXXX student loans have also increased on my credit reports as well however I no longer have loans with the Department of XXXX so how is this even possible? 

I have lost major points on my credit reports as a result of these issues.
Product: Checking or savings account

On XX/XX/year> i received a XXXX XXXX  lump sum settlement in my M and T checking account from XXXX. I went into a XXXX XXXX branch to make a withdrawal and was told by branch manager funds would clear the next day as he had verified the funds. On XX/XX/year> at XXXX i called M and T customer service department to inquire about a XXXX increase and the respresentative told me i would have to wait 7 days. Upon ending the call my online account was blocked and i was told by the fraud department that i needed to go to a branch so i went back to M and t XXXX XXXX branch and a representative at the branch called in to fraud department and got the block removed. I made a withdrawal from the bank branch and i made a XXXX tranasaction and my online account was blocked and i am blocked from making transactions AGAIN. I called m and t customer service and was told i needed to step into a branch again. On XX/XX/year> i went to m and t bank in XXXX XXXX XXXX XXXX and the representative called the fraud department to try and get the block cleared and was met with an email saying that i need to provide an ach paystub or statement with the recent deposit amount or they will not remove the block from my account even though a branch manager had called and verified my funds 2 days prior. I think i am being profiled as the person who did the block is a XXXX woman and it is clear by my XXXX name that i am a XXXX woman.
Product: Credit card

On XXXX/XXXX/15 I tried to activate my new Capital One credit card online and the website said I had to call, when I called I got transferred to the fraud department, where an XXXX lady put me on hold for a long time. Without my knowledge she called my husband ( whom I am currently separated from ), she asked for me and he told her she had the wrong #. My husband later told me this and was very upset because she also asked for a XXXX XXXX as well and stated that it was Capital One calling about my account with a XXXX XXXX ( not clearly saying the name ). He was unaware of me even getting this credit card and I would have preferred to keep it that way. After, a very stressful day of dealing with this, I called the representative in the US and she explained no one called my husband. He texted me a screen shot of this number ( XXXX ) XXXX, that he was called from XXXX! I have never had such a complicated time activating a card! Also, I am extremely upset that my husband was called and concerned about where Capital One even got his phone number from!
Product: Credit card or prepaid card

In XXXX, South Carolina on credit card XXXX Capital One Platinum MasterCard Security card for {$200.00}, while in Identity Theft my {$200.00} limit was allowed to purchase {$420.00} of services and I closed my account in or around XX/XX/XXXX. Without my permission they used my {$200.00} security deposit to apply towards my balance rather than return my security deposit to me. They have repeatedly up to date as currently as XX/XX/XXXX refused to remove any late payments that were under dispute and just keep sending letters or phone calls to delay the process They have also refused to send any receipts toward the charges applied to my account, but only will allow me to order statement copies.
Product: Consumer Loan

I took out the loan. I am currently paying 714.92 % interest on a {$700.00} loan. They are charging me {$860.00} finance charges on this loan. At the time, I was just looking for a quick, no credit check loan. My parents are the ones who told me that this was wrong. I should have done more checking to begin with and I am struggling to pay this loan, because I now live with my parents. Can you help me?
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. Specifically, I wish to dispute these accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a medical debt under {$500.00} with XXXX XXXX XXXX. I have disputed this debt with the XXXX, Experian, and XXXX. However, they continue to respond that the debt is being " reported correctly. '' While this may be true, given the debt is under the {$500.00} the new guidelines warrant removable. Countless consumers have had their minor medical debts removed. Thus, I'm puzzled why this removal has been delayed after numerous requests to remove it.
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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit card

Citi Bank removed me from the joint ( me and my husband ) account on XX/XX/year>. According to them, they removed me because they discovered my association with a cannabis-related business. I sent them a letter on XX/XX/year>, telling I did not, do not, will not have any association with any cannabis-related business and requesting them to correct the mistake and to reinstate my account. However, they refused to correct their mistake, saying " our position remains unchanged. As stated in the Terms and Conditions of the agreement that governs the relationship between Citibank and its customers, we XXXX close or suspend your account for any reason, or for no reason. We XXXX do this at any time, without notifying you, as allowed by law. '' It's not right because I did not, do not have any association with any cannabis-related business at all. There XXXX be hundreds of people who have the same name in XXXX. I know they made a mistake but refused to correct it.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting. 
I demand immediate action to remove these unauthorized inquiries from my credit report. Their presence is not only a violation of my privacy rights but also undermines the integrity of my credit profile.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 30days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

A few weeks ago I was able to make disputes online with Equifax, the following day when I wanted to see updates I was unable to log in, it kept saying my information doesn't match what they have on file. I called Equifax several times, only to be transferred over and over again.Finally, I asked to speak to a supervisor and explained my situation, she informed me that they were never trained for the online dispute center and they do not know who I can contact to fix the issue. I asked them when there is technical issues who fixes it? she told me she does not know, she kept telling me I was on the wrong website, which I explained over and over that I am very familiar with this site and how it works and I read the web page I was using back to her. It was correct! She gave my my ID number to see if that would work, and it did not, it still says my info does not match. 
I am working so hard on fixing my credit, and have nothing but issues with Equifax. When I dispute items on my report things never get changed, unlike when I dispute with XXXX or XXXX, overall this agency determines my future and if they are so difficult and not user friendly how am I am able to change what they have on my credit report. I have asked for a copy and of my report and currently I am still waiting.
Product: Checking or savings account

I am writing to file a compliant 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 of charges and credits. This issue aligns with the recent CFPB finding against never 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: Money transfer, virtual currency, or money service

COINBASE, INC.s transfer to a FRAUD SCAM Brokers : Initialrate. 

I would like to bring your attention to a serious issue I have with COINBASE, INC. wires that first took place on the XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX - the Company. 

The funds were transferred utilizing COINBASE, INC. 's services in the total amount of XXXX EUR! 

I would also like to point out that on XX/XX/2019 - I filed a dispute with COINBASE , INC .
Product: Credit card

On XX/XX/XXXX my credit card was charged {$680.00}. This transaction was fraudulent and wrongfully charged. It was supposed to be {$68.00}. I had submitted a dispute with the Citi, and indicated that the merchant for which wrongfully charged me was not willing to refund me, or in this case Citi. Therefore, Citi would not honor the dispute and favored the merchant. The dispute was closed on XX/XX/XXXX, and when I contacted them a second time about it, they reopened the dispute and attempted again but ending in the same result as of XX/XX/XXXX. I have since contacted Citi about closing my account because I do not feel as a reliable customer I am protected from fraudulent charges. They mentioned being willing to credit me some if I do not close the account. It is frustrating and wrong that they are willing to credit me " some '' amount if I do not close the account ; rather than honor my dispute in the first place. I am in contact with them about this credit to which they are now saying they will not provide.
Product: Debt collection

On Fri, XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX XXXX regarding an alleged debt. On XX/XX/XXXX, I requested validation and further information. 

On XX/XX/XXXX, they provided a random string of numbers, dates, and numbers with no association with any specific persons name, address or signatures, no specific legally binding documents, contracts, etc. 

My name has been involved in data breaches by big corporations and as a result is imperative to corroborate any alleged debt. 


I requested proper and valid documentation. I have reached to them already 6 times via XXXX. See below tracking numbers. 


Number 1 On Friday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX  XXXX Number 2 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXXXXXX XXXX  XXXX Number 3 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX XXXXXXXX Number 4 On Thursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX XXXX Number 5 OnThursday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXX Number 6 On Wednesday XX/XX/XXXX at XXXX XXXX Signed for by : XXXX XXXX XXXXXXXX I can provide copies of all communications And all inquiries have been ignored by D & A Services. 


An individual is given 35 days to properly respond, otherwise the alleged debt become validated by default. 

But this company has ignored repeated requests for validation and the submission of proper documentation for more than 100 days. No validation or proper answers to any of my inquiries have been received. 


I specifically requested to XXXX XXXX XXXX XXXX that, as a result of lack of validation, all alleged negative reports to any and all credit reporting agencies, credits risk agencies, financial institutions and subsidiaries, are officially requested to be retracted, and expunged based on the lack of proper legal validation. 

But despite failing to provide any valid documentation, XXXX XXXX XXXX XXXXXXXX XXXX has improperly reported this alleged debt to the Credit reporting Agencies. if D & A Services can not properly and legally validate an alleged deb, how come they dare to report it? 

I really appreciate the help and guidance to solve this matter. 

Best, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX D & A Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Illinois XXXX Toll Free XXXX XXXX account number XXXX.
Product: Prepaid card

i have called XXXX for USBANK Reliacard, washington state unemployment benefits card. I was told repeatedly to go onto verify.usbank.com/id to follow the process. I have attempted this many many times, and called the number and went through the initial account verification, then the human asking the same verifying questions, and been directed only back to this unworking website. 

I needed my finances months before and was attempting to pay bills and necessities. I have spent many hours on this and am experiencing late fees and much stress. 

If you already sued them for this during the pandemic, I don't see how nothing has changed. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported me to XXXX XXXX credit Report as having {$620.00} charged off as a bad debt. 

This is totally incorrect. 
I HAVE TALKED WITH THEM SEVERAL TIMES. 

My checks were taken and my signature forged on checks amounting to about {$600.00}. The bank charged me, then took it off and closed my account. Kept the small amount I had left in my account and now reported me as a bad debt. They do not want to resolve the problem and it is affecting my credit report which is also affecting my homeowners insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 items on my credit report that should be removed since it has been on there for 7 or more years. 
BAC Home Loans Services LP - XXXX 2007 Illinois Housing Development - XXXX 2007 ( on my report twice and both have been settled )