23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account was opened XX/XX/XXXX. Thats when the calls started. They called 15 times a day from XX/XX/XXXX until XX/XX/XXXX. Before the hours of XXXX, after XXXX on weekdays and weekend calls have also been noted - totaling 120 calls between XX/XX/XXXX and XX/XX/XXXX. These calls can be directly linked to the company due to the fact vanchuffman came up on the caller ID. On XX/XX/XXXX a dispute was opened to state that this amount was incorrect, that the original balance was not being reflected on what Vance and Huffman claimed they were owed. The consumer reached out to resolve this issue only to be disrespected with abusive language and threats - with no validation received. My understanding is calls cant happen after a dispute is opened ( strike 1 ). They never validated the debt or reached out to the consumer via letter to validate after the consumer asked ( strike 2 ). They have unlawful business practice and extortion techniques ( theyre impersonating a law firm to try and appear as legitimate ( strike 3 ).
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees that I have incurred. Despite having sufficient funds when transaction was authorized. I was charged 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 called XXXX to settle my balance on an old closed, charged-off card. I spoke with one of their customer representatives that agreed to SETTLE in Full the account for {$460.00} I created a payment plan for this balance to be paid off in 6 months. After the first payment was deducted automatically, I called in and paid the balance in full for {$380.00}. Instead of reporting my account correctly to the credit bureaus at {$0.00} settled in full as I was told... XXXX has reported a balance of {$460.00} which was the amount " forgiven '' by them during the settlement arrangements made on XX/XX/2022. 

I have called and spoken to customer service reps who will not report to the credit bureaus the correct amount of {$0.00} balance and one rep told me it is XXXX XXXX policy to leave the balance after the settlement as still reported. That is a violation of what a SETTLEMENT means! I have paid my account in full, settled for less than the full amount and XXXX is refusing to reflect this amount of a {$0.00} balance on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate credit information. 

Account : XXXX XXXX XXXX Late Payment : XX/XX/2022 {$520.00} The account payments were deferred and no payments were due at the time. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting.

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are  XXXX  very old   XXXX   accounts that are not supposed to be reporting on my credit. The  XXXX   XXXX  card account has an account number of "  XXXX ****** '' with an open date of  XX/XX/XXXX . The  XXXX   XXXX  card account has an account number of "  XXXX  '' with an open date of  XX/XX/XXXX . Years ago, I ran into serious financial hardship and was not able to pay these accounts at the time. I communicated my situation to my creditors and  XXXX  was one of the companies who stated they would request a deletion to the bureaus of the   XXXX   charged off credit cards after I paid. It has been almost six years since I paid these accounts so I do n't understand why the credit bureau is only saying that  XXXX  is verifying the accounts. That is not even my dispute. I know these were previously my accounts. The credit bureau is not processing my dispute properly and this is one of the reasons this process has been delayed for so long. Just to be sure I 'm not being given the runaround, I called Chase a couple of weeks ago and they told me they do n't even have the account in their records anymore! This is a problem because this credit bure au is refusing to honor my creditor 's deletion request.
Product: Debt collection

Hi, I disputed the collections account that XXXX California sent to USCB America, XXXX XXXX, CA. 

To no avail. 

I have tried to get information on the collections account from USCB America, over many months, including trying to pay it in full as it is negatively impacting my credit, also right to work and lending underwriting, this company appears to be corrupt. Never have I dealt with a collections company that does n't do everything possible to take your payment. This behavior tells me, they want to keep you in collections limbo so they can increase their fees on the debt amount. 

They ca n't find my account They ca n't find my account number, even with my SSN, full name, address, etc. 
They ca n't transfer me properly They transfer me to people who do n't handle collections They do n't have the expertise to handle my inquiry They do n't speak with comprehension They hang up if you raise your voice out of frustration I want this debt discharged from all credit reporting agencies immediately,
Product: Debt collection

On XX/XX/XXXX, I formally invoked my rights under 15 U.S.C. 1692c ( c ) and sent a cease-and-desist letter to your offices, disputing the alleged debt and requesting that all communications regarding the matter cease immediately. The cease-and-desist notice was delivered via USPS, confirmed as received on XX/XX/XXXX ( see enclosed tracking confirmation ). Despite my clear request, I continued to receive multiple debt collection letters from your company on XX/XX/XXXX, and XXXX, XXXX, violating my legal rights under the FDCPA. 

Additionally, your repeated communications constitute harassment and abuse under 15 U.S.C. 1692d. Your failure to cease communications after my formal request demonstrates willful non-compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 hard pull, which I never authorize after I preadventto the credit. I wastold they caan ny other business cancould if I don't have a credit lock package with the reporting agency membership at a cost. 
Now this is affecting my score. 

XXXX XXXX XXXX got a copy of your Experian Credit Report. 
XXXX XXXX XXXX recently checked your Experian credit file for an installment loan or new bank account. When you apply for certain types of credit, a hard inquiry is placed on your credit file and stays on your report for about XXXX XXXX : Experian Company : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, CA XXXX Phone : ( XXXX ) XXXX WHAT NOW?
Product: Debt collection

I am writing to file a complaint against Chase regarding my credit card account ( Account Number : XXXX ) due to questionable practices surrounding my debt, particularly concerning the documentation provided by Chase and the conduct during a pending lawsuit. 
1. Background : I opened a credit card account with Chase in XXXX, I encountered financial difficulties and fell behind on payments. Subsequently, I received communications regarding my outstanding balance and legal action. 
2. Legal Action : On Feburary XXXX, XXXX, I was served with a lawsuit filed by Chase in XXXX XXXX. The lawsuit claims that I owe a balance of {$24.00}, XXXX. I am currently contesting this lawsuit due to discrepancies in the documentation provided by Chase. 
3. Robo-Signing Evidence : During the discovery phase, I reviewed the documentation submitted by Chase, which included a proof of debt that appeared to be robo-signed. This document lacks verification and authentic signatures, raising concerns about its validity and the overall handling of my account. You can also find the same alleged employee on several hundreds of suits being filed daily in XXXX XXXX and XXXX XXXX. Chase has previously been sued for this practice. 
4. Inadequate Proof of Debt : I have requested additional evidence from Chase to substantiate their claims regarding the debt. However, I have not received adequate documentation, nor have I been able to confirm the legitimacy of the account as claimed in the lawsuit. 

I respectfully request that the CFPB investigate these practices by Chase, as they appear to violate consumer protection laws. I believe that Chases actions have not only impacted my financial situation but have also contributed to significant stress during this ongoing lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know where to start with this account. This Account is incorrect, inaccurate and inconsistent, this item has 2 different Dates open - 3 Dates of last Activity that do not match on all 3 bureaus - 3 different Dates it was Last reported - 2 Different Dates of last payment and shows a balance and past due balance which is inevitably affecting my Debt to credit ratio. A inconsistent High Credit limit on all 3 Bureaus. A High credit limit of {$9700.00} on XXXX  but Experian shows no credit limit ( {$0.00} ) While XXXX  shows {$9700.00}. The credit limit of {$9700.00} and {$9700.00} is questionable at best - Reason being is because the credit given to me originally was {$9200.00} its not as if they ever gave me additional credit for a water pump or I Added an additional {$580.00} - So this addition of {$580.00} was never credit it could have been a charge that occurred due to the account being charged off Which is not credit. 

This Account also does not comply with the metro 2 reporting requirement - CHARGE OFF should be coded under " OTHER '' or " O '' not as a REVOLVING ( " R '' ) account. 

The ARGUMENT I CONTEND is that this MISAPPLICATION of the proper Account Type creates a DECEPTIVE REPORTING DEROGATORY and in effect MIS-REPRESENTS the consumer 's TRUE CREDIT UTILIZATION RATE! See, for a " O '' mark, the AMOUNT of debt would NOT MATTER as a $ XXXXdebt would be EQUAL the negativity weight as a $ XXXXdebt ( given ALL OTHER aspects similarly reported that is such as age ). 

However, misappropriating a CHARGE-OFF under the " R '' type for REVOLVING as opposed to " O '' for OTHER as it should be allows for the AMOUNT of the debt to matter DRASTICALLY where a $ XXXXdebt would have near zero effect on the consumer 's CREDIT UTILIZATION RATE whereas a XXXX DOLLAR DEBT would SIGNIFICANTLY XXXX that client 's CREDIT UTILIZATION RATE there also SUBSTANTIALLY and NEGATIVELY more effecting the DEPTH OF THE DEROGATORINESSES of the reported claim ( s ). 

If you don't comply with the Metro 2 Reporting Standard which is the responsibility of every creditors thats uploads an account to a credit report, How can i trust that you comply with anything else?
Product: Credit reporting, credit repair services, or other personal consumer reports

there are credit cards on my credit report that XXXX have no knowledge of that i never used or authorized
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter out disputing 2 accounts that were reporting inaccurate information. One account was still reporting activity each month even though the account was closed, and the balance was wrong on the account. The other account was missing information for XXXX of XXXX and reporting late payments when it was a billing error back in XXXX of XXXX. I was never late pursuant to 15 USC 1666B Timing of Payments. They came back on XX/XX/XXXX, updated and verified with the problem unchanged. Nothing was updated and it still reported inaccurate information. 15 USC 1681eb speaks on Credit bureaus assuming a role and has an obligation to make sure that every piece of information on each account is Maximumly accurate. They did not do that for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I written a letter to XXXX and Equifax disputing a bankruptcy on my credit report. They replied to be that they contacted the bankruptcy court and the court verify that they reported it. which is false. XXXX and Equifax violated the FCRA. I contacted the United States Bankruptcy Court of Northern District of Illinois. They told me that the court do not report any bankruptcies to credit bureaus, That a third party reports to credit bureaus. And a third party can not report. They also sent me a letter stating they don't report to any credit bureaus. This is what XXXX wrote to me : The dispute for the bankruptcy named US BKPT CT IL XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. 
Source : XXXX  Date Submitted : XX/XX/2021 Report Number : XXXX Court Name : US BKPT CT IL XXXX Address : Northern Dist - Eastern Div XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX , IL XXXX Type of Record : Bankruptcy Reference Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute a fraudulent charge on my account of {$2000.00}, {$5000.00}, {$9000.00}, {$7500.00}, {$4500.00}, {$17000.00}, {$4100.00}, {$590.00}, {$3000.00}, {$2000.00}, {$15000.00}, {$860.00}, {$3300.00}, {$7600.00}, {$4400.00}, {$20000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7500.00} -This is not my account. 

5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account. 

6. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$17000.00} -This is not my account. 

7. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4100.00} -This is not my account. 

8. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$590.00} -This is not my account. 

9. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 


- COLLECTIONS - 10. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

11. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

12. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$860.00} -This is not my account. 

13. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3300.00} -This is not my account. 

14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 

15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4400.00} -This is not my account. 

16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$20000.00} -This is not my account.
Product: Checking or savings account

In XX/XX/XXXX we purchased a home from an elderly couple. Recently ( XX/XX/XXXX - today ), I received a piece of mail from US Bank. Thinking it was my Visa bill I opened it only to find it was a statement for the previous owners of our house. I called US Bank and asked them to check their records and change the address on the account. The representative was very polite and said she would take care of it I received another statement, called US Bank again and was basically asked by the representative on the phone what they expected me to do about it. I suggested they conduct a universal records search to make sure all addresses for their customer are current. I told that representative that if I received another statement I was filing a formal complaint, since the privacy of their customers seems to mean little to US Bank. 

Today I received yet another statement for these people. I find this inexcusable. US Bank has the account number in question, the INCORRECT address and I would presume the correct address for their customer. This is an invasion of their customer 's privacy and I want it stopped. 

Very happy I have no account with US Bank if this is any indication of how " serious '' they are about customer privacy. 

Again, I will shred this statement.
Product: Credit reporting or other personal consumer reports

Today, I am writing this complaint to TRANSUNION regarding the incorrect information on my accounts. I sent them a letter requesting for investigation of those accounts mentioned, they took more than 30 days to complete and they stated that they have completed the investigation. However when I pull my recent report I don't see any changes made at all. They claimed that they verified the information but how come that it is verified when the date of last activity, date opened, date of last report.

payment history and status are inaccurate? This is not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account XXXX Has reported an accuracy across all three reporting crediting agencies and I am asking to have my one late payment they reported removed immediately. XXXX has already cleared up the discrepancy and removed my account but it is still showing in accurate on XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been filed sent to IRS along with XXXX XXXX and a cease and desist letter. This information has also been sent to Experian and they still report on my credit and this account information has been incorrect numerous times and XXXX XXXX has already been sued for FRAUD.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove Hard Inquiries and Fraud Account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 there was update saying I have a new employer. But I 'm unemployed for the most part I have a temp job and it 's not XXXX which I have no idea what that company is nor heard of them before.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX PROCESSED my credit card payment incorrectly .... They didn't make a payment instead tried to reload my credit card... You can't reload a credit card ... .. it's not a debit or prepaid card... .The store personnel is rude and threatened to call the police department because I'm asking about my money..This been going on since XX/XX/XXXX XXXX I've made XXXX calls and stops at the store and is being denied service/help ... My credit card company said that they PROCESSED the payment incorrectly... Provided them with the letter an that's still not good enough...
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX/2025 TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Investigation and Account Deletion Under the FCRA Dear Sir or Madam, I am writing to you regarding the account [ XXXX ] reported in my credit history. Following a dispute with XXXX, this account has been removed from their report because the information was found to be inaccurate or unverifiable. Attached to this letter is the confirmation of deletion provided by the other credit bureau, further demonstrating that the data provided by the information furnisher does not meet the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). 

During their investigation process, the other credit bureau reviewed the details of the debt and determined that the information could not be verified as accurate. As a result, they removed the account from their records. I expect the same level of diligence and adherence to the FCRA 's requirements in your investigation. 

Pursuant to 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in the information contained in my report. Since this information has already been removed by another credit bureau, I request that you review this account and remove it from my report to reflect the same level of accuracy.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I demand that you conduct a reasonable and thorough investigation of this dispute. The removal of this account by another credit bureau strongly suggests that this information can not be verified. Additionally, under 15 U.S.C. 1681s-2 ( b ), the information furnisher is obligated to correct or remove inaccurate data across all credit bureaus with which they operate. I request that you contact the information furnisher to confirm that this information should be removed from your files.

Finally, please note that failure to comply with your obligations under the FCRA may result in civil liability under 15 U.S.C. 1681n and 1681o. I look forward to a prompt resolution of this matter and request confirmation of your receipt of this dispute, as well as the removal of this account, within the 30-day timeframe required by law.

Sincerely, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received an alert of an attempted credit for XXXX XXXX 
I did not make this inquiry. Please delete immediately do not grant credit.