23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The week of XX/XX/XXXX, my father and I called the companys number ( XXXX ) XXXX. We settled on making a {$200.00} payment after a lot of frustrating back and forth and constantly being interrupted. My dad read the man his card information and he repeated it back to my dad. My dad confirmed that was correct, and he asked for them to send a confirmation email to my email once the transaction processed. It never went through. I never got an email. 
I have continued getting calls from this company with different representatives. A few weeks ago I kept getting multiple calls in a row saying that the loan I applied for was approved. I never applied for a loan. More recently, they have threatened to call my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquires on my account that are not authorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, along with the Privacy Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality, and accuracy of information under XXXX U.S.C. XXXX, XXXX XXXX. XXXX, and XXXX XXXX. XXXX. 

Account Name & Number : XXXX XXXX XXXX XXXX The Privacy Act of 1974 provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. 

I never expressed a written or verbal consensus authorizing Experian Credit Reporting Agency to publicly report my personal and financial information per XXXX U.S.C. XXXX nor did I receive a request to confirm that the data shown on my credit report is accurate per XXXX U.S.C. XXXX and XXXX XXXX. XXXX. XXXX XXXX XXXX is not the original creditor I conducted business with, nor did I ever share my personal information with that company. This is an infringement upon my identity, privacy, protection, and rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, XXXX XXXX turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store manager, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( Trans Union ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Checking or savings account

I am writing to file a complaint on navy federal credit union regarding multiple overdraft fees I have occurred. Dispite having sufficient funds when transactions was authorized, I was charged fees due to lagged posted of charges and credits. This issue aligns with the recent CFPDfibding against navy federal for similar parctices, were transactions settled with insufficient balances despite initially initially funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I sent a Debt Validation Letter to this creditor, asking to provide documentation because they have it listed as a charge off with a balance, that is also written off. They are reporting a charge off on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX as a charge off XX/XX/XXXX as a charge off XX/XX/XXXX as a charge off. 

This debt has violated my consumer rights by continuously charging off by balance to extend the statute of limitation, How can it be charged off yet still list me with a balance owed of {$600.00}. This is inaccurate and inaccurate information should not be reported.
Product: Credit card

Hello, I received an email on XXXX stating I needed to make a payment : Statement Balance : {$350.00} Payment Due Date : XX/XX/XXXX Minimum Payment Due : {$100.00} I not sure if they are charging me a late fee? 

How can Target report me for a late payment and send the account to collections when I have been paying the account. This has also lowered my credit score. I tried to talk to the company to correct their oversight, but they have informed me their is nothing they can do. 

I made a payment on : XX/XX/XXXX {$100.00} XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT I received a letter that my account went to collections. I called the Target to correct the matter on XXXX. I was told that they will not correct their report to the credit Here is all my payment history : XX/XX/XXXX {$250.00} ELECTRONIC PAYMENT XX/XX/XXXX {$100.00} ELECTRONIC PAYMENT XX/XX/XXXX {$170.00} ELECTRONIC PAYMENT XX/XX/XXXX {$370.00} ELECTRONIC PAYMENT XX/XX/XXXX {$290.00} ELECTRONIC PAYMENT XX/XX/XXXX {$190.00} ELECTRONIC PAYMENT XX/XX/XXXX {$520.00} ELECTRONIC PAYMENT XX/XX/XXXX {$50.00} ELECTRONIC PAYMENT XX/XX/XXXX {$180.00} ELECTRONIC PAYMENT XX/XX/XXXX {$95.00} ELECTRONIC PAYMENT XX/XX/XXXX {$35.00} ELECTRONIC PAYMENT XX/XX/XXXX {$220.00} ELECTRONIC PAYMENT I 'm not sure if I have been charged a late fee but if I have I would like that money returned ASAP.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$7300.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit card

I have been paying the Discover credit card payment protection service fee for years. I have tried to utilize the plan in the past for accidentally missed payments for which the service could not be used. It must be a planned usage to which I asked what my protection is for something planned, it seems the unplanned is what I am paying for according to your information. I told them the plan was useless. I have called back twice to cancel the protection service fee and each time, they said I was not allowed to cancel the protection service to which I said it is not a service but a requirement and therefore a hidden bank charge. I am still paying the fee and they will not allow me to cancel it. My average balance is {$500.00} if that and the fee is an excessive XXXX dollars based on usage and not balance. Each month they charge me for a service I am unable to use. Seems biased and unfair.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Account Name : XXXX  - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX Account XXXX : XXXX XXXX  - Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In regards to XXXX that Commerce filed for the account XXXX, can you explain why a credit account that has been piling up balance over many years is reported as a single year cancelled debt. I believe this is wrong and it puts unnecessary burden on the taxpayer who then has to pay the cancelled debt in a single year as if it accrued in a single year. This is not correct representation/reporting. The referenced account has been open for about 10 years during which time the said balance accrued. Reporting it as a single year 2019 cancelled debt makes it seem unjustly as if all of the balance was accrued in 2019 and therefore cancelled debt applies to only that year-2019.
Product: Credit reporting or other personal consumer reports

There has been a number of fruadulant inquiries on my personal credit report. I need these removed immediately. 

XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX ( Miscellaneous ) XX/XX/2023 XXXX XXXX ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 XXXXXXXX XXXX  ( Finance ) XX/XX/2023 The law states any inaccurate information on my credit report needs to be removed immediately.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} ; US DEPT ED XXXX Balance : {$5000.00} ; US DEPT ED XXXX Balance : {$6200.00} 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: Credit reporting or other personal consumer reports

My credit report has been on a on and off freeze with Equifax for a while now for disputes and unauthorized use, but I have noticed these XXXX unauthorized hard inquiries on my credit report that I do not recognize or gave permission for anyone to pull my credit, and would like Equifax to remove these XXXX unauthorized hard inquiries from my credit report : XXXX. ) XXXX XXXX XXXX XX/XX/year> XXXX. ) XXXX XXXX XXXX XX/XX/year> XXXX. ) XXXX XXXX XXXX XXXX XX/XX/year> XXXX. ) XXXX XXXX XXXX XX/XX/year> XXXX. ) XXXX XXXX XXXX XX/XX/year> XXXX. ) XXXX XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Also, I have attach a Identity Theft Report to my CFPB complaint on the second section!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of several fraudulent accounts appearing on my credit report. As a victim of a data breach, I am entitled to this action under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Please find the details of the fraudulent accounts below : XXXX. XXXX XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX XXXX  XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$9600.00} XXXX. XXXX  Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$6000.00} XXXX. XXXX XXXX Account Number Ending in XXXX Opened : XX/XX/XXXX Amount : {$10000.00}
Product: Mortgage

XX/XX/20 want to refinance my home for a cheaper interest rate since I've been Flagstar Bank mortgages-XX/XX/20 still haven't closed I've done All of my part submitting paperwork/checkstubs 2 twice now ... Paid for an appraisal in XXXX XXXX20. 

Now advise No longer want to refinance as I'm going with another lender at a cheaper interest rate to boot! better than my own mortgage company. 
I don't want to pay for another appraisal since can use this one but must be within 120 days ... 
XX/XX/20 asked for my appraisal to be transferred over to my new lender-5 times I sent written requests, asked to speak to my lender 's supervisor whom I have now left 6 messages to call me all no No avail,,, Asked for his supervisor/district or regional manger-spoke to one supervisor who advise that supervisor would call me back once off his current call ... I got No call yet!!!!!!! 

Help transfer my appraisal & loan over!! GUH!!!!!!! Months of frustrating ...
Product: Debt collection

Letter was mailed XX/XX/XXXX and XX/XX/XXXX regarding need for validation of debt. No response Received bill for collection XX/XX/XXXX Bills were paid with original creditor who cashed check and accepted pay to delete. The bill is not mine and another person was responsible for debt. I still tried to resolve matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I reported a public record that they were not able to give proof of how they obtained the record. I have sent a document to them via mail and as well as uploading it to their website.
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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number XXXX XXXX Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$430.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX : XXXX : {$310.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$440.00} 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: Debt collection

XXXX XXXX XXXX, sent me to collections without informing me of medical bill was owed. 

XXXX occurred on XX/XX/XXXX a co-pay was paid at time of procedure. 

I was informed a bill was sent on XX/XX/XXXX but not received for {$110.00}.

Credence Resource Mgmt, collections agency called XX/XX/XXXX informing me of the bill. 

They never called or email prior to sending to collections. 
They obliviously had the phone number because they gave it to Credence Resource Mgmt.

FYI
Product: Credit reporting, credit repair services, 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 : # XXXXXXXX XXXX XXXXXXXX : # 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I was not receiving my statement via email, despite requesting, as a result I was not notified when my payment was due and paid my credit card balance 1 day late. Then I tried to have the fee reversed and the credit card company refused, I then was charged another fee. They will not stop charging me fees! I now have {$53.00} of fees on a 1 day late balance of {$2.00}. It continues to grow.
Product: Credit card or prepaid card

on XX/XX/2022 I spent XXXX on the phone trying to redeem rewards on my credit cards and the system would not function. I wanted to make a payment toward my credit card but the system would not disclose how many points I had in XXXX amounts and when I spoke to bank employees or credit card employees they said there was nothing they could do to fix the issue. 
I asked for a mailing of the rewards program but they said it was online. 

I wanted to use the visa rewards to make a payment toward the XXXX XXXX card but that feature was not showing. 
NO one at the bank knew how to fix the issue. 

Nothing on the website seems to function. It feels like a targeted issue toward me versus a system wide issue. 
XXXX of my banking documents are missing. Those that are shown expired are not located in the expired file either. Massive disorganization of files. 
The website has script issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company asking about delinquent payment. I have never applied for a student loan. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1200.00} XXXX XXXX {$1200.00} XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$810.00} XXXX  XXXX XXXX {$82.00} XXXX  XXXX {$220.00} XXXX   XXXX XXXX {$890.00} XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX   XXXX {$480.00} XXXX/XXXX  XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$140.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Credit card or prepaid card

I became a Bank of America customer back in XXXX. About five years later, they refused to block XXXX from making monthly charges to my account after I canceled their services and I had to close my BOFA account to prevent further charges from XXXX. 

Last month, XX/XX/XXXX, I decided to open new accounts with BOFA, because they are the nearest bank from where I currently live. I opened a checking account and a credit card account. On XX/XX/XXXX, I tried to make a {$3000.00} payment to my BOFA credit card and noticed they had a new system to do it. It had to be done through " XXXX XXXX '' and not directly as in the past. I clicked on my current BOFA credit card account, the only one shown on my dashboard and it took me to their " XXXX XXXX '' system. It automatically showed BOFA credit card account and I thought it was the only one I have with them and did the {$3000.00} payment. The next day, I noticed the payment had not been applied and I had received no notification that was being processed so I called them and spoke with a representative. He said I had to give it more time to post but I requested a confirmation that the payment was being processed. He said I could see that on my XXXX XXXX transaction history. When I checked that I noticed the payment had been applied to my old credit card account which I asked them to close more than 4 years ago. Then the representative said it would take 60 days for them to research that. I was very disappointed and called them back today, XX/XX/XXXX and asked to speak with a manager. She confirmed it would take 60 days to research that and said I should have deleted my old account from their XXXX XXXX system. I told her that I never used their XXXX XXXX system before and never added my old account. She said she couldn't help further. 
I need the CFPB assist me with such unfair situation. BOFA should have closed my old account when I asked them to do so and their XXXX XXXX system should not have pulled an old account that I never aded myself, automatically. 
Now, I need to find extra money to at least make the minimum payment to my current BOFA card that has a balance of {$3600.00}. It's so unfair. I have never maid a late payment on any account and have never defaulted on any debt. Thanks in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had this Best Buy card a while ago by best buy. I ran into some personal problems and my account got closed. Some time later I paid a settlement sometime in 2018 and yet this is still appearing on my credit report. This is inaccurate and any help getting this resolved would be greatly appreciated
Product: Credit reporting or other personal consumer reports

My account with all the companies that I included on the document was never late! I have had exceptional payment history witH XXXX  XXXX 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 the months that I was late 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.