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

CFPB is full of complaints about XXXX. On information and belief, XXXX entered into a settlement agreement for previous bad deeds involving their interaction and conduct with their customers. I have previously attempted to get this matter resolved with XXXX. I recently was contacted by the XXXX CEO Office who indicated they would contact me within two days, that was some weeks ago, and to date I have heard nothing back. I have attached four 1099 's  from XXXX, Cancelling Debt. The issue of a 1099 to the IRS acknowledges XXXX has abandoned all claim to the alleged debt. I previously disputed the debt and provided XXXX verifiable evidence that the debt was based on fraud and not my obligation. I provided XXXX all the law enforcement reports associated with the fraud that I had obtained. XXXX ignored all the evidence and continued to pursue collections. In every case, on each of the four credit cards, XXXX overcharged me for late fees etc. 
XXXX was caught by CFPB and was required to issue refunds. However, XXXX continues to attempt collections on an Abandoned Debt wherein they issued [ 4 ] 1099 's to me and provided the same to the IRS. After XXXX issued the 1099 's, they continued to report PAST DUE amounts associated with each credit card. As of XX/XX/2019, XXXX continues to report Past Due amounts on the four credit cards and is attempting to collect.
Product: Credit card or prepaid card

XXXX. Express Credit Card was applied in the store for the 20 % off of purchase which was made in and around XX/XX/2022 in XXXX XXXX, CA. The store representative said he can not give me a card in the store but both the new card and statement will be mailed out to me within 30 days. i can make payments then. 

XXXX. Checking the purchases, the 20 % discount advertised did not seem to have applied. 

XXXX. At all times, I have no way to pay for my charges since I don't have the payment information from the CC company that should have been available in the mail via Statement. 

XXXX. CC company agreed and have reversed XXXX of XXXX late fees because they didn't mail me the new card to activate or statements. 

XXXX. CC company said they have removed the derogatory statements misrepresented to the Credit Bureaus. 

I am waiting to see it does what it says it will do. It is a misrepresentation and even fraudulent to promise a customer something for us to acquire a credit card then not send the card or account information. Then ruin the customer 's credit and charged fess or all sorts for the cc company 's failure to perform by sending out the account information and statement. It is clearly an unfair billing practices committed by Comenity Bank. Please be ware of this company!
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 and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. 

In accordance with The Fair Credit Reporting Act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A states I have the rights to privacy.

15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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

Someone is using my information to lease things under my name. I have never heard of any of these people but I am trying to get this matter taken care of as soon as possible. There is an account from XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. They appear to be collection agencies and now my credit is ruined because of this.
Product: Checking or savings account

My debit card was charged XXXX dollars. An immediate debit transfer to Chime bank. I did not authorize this. It posted to my bank as a debit. I immediately contacted chime support and was then locked out of the chime app. I have no way of accessing my money and have gotten the run around by chime. I have had a chime account for years, but have left it dormant not using my debit card from chime or using their services. My XXXX XXXX  debit card has been on file with them ( chime ) but not used to transfer funds in almost XXXX  years. Out of the blue I see my online statement at XXXX XXXX XXXX  showing XXXX withdraw in pending! Transferred to chime as an immediate withdraw. After consulting with chime for hours trying to get to the bottom of why I was blatantly robbed by them .. they locked me out. I cant access these funds or didnt authorize this. Im going to make a police report as well as been in contact with my bank to do an investigation. Chime has asked me for documents and I completely complied to their request to later be given a run around. They asked me for a plethora of personal documents to prove my identity. I gave them all of them and then some! DL, bank statements, utility bills, SS card, Birth Certificate, XXXX  months of my XXXX XXXX XXXX  statement, screen shot of them taking a withdraw out of my bank. My residence lease contract proving my address along with phone bills, electricity bill, gas bill, internet provider. There is nothing else to give them other than a DNA sample!! This is complete fraud stealing my money then closing me down after theft. Ive been on the phone with XXXX different chime associates including manager, supervisor, etc. they all have the same answer. I cant help you let me transfer you game!!!!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are reporting incorrect inquiries on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX
Product: Credit card

Throughout my history with this account, I've consistently maintained timely payments, never allowing them to lapse into overdue status. The existence of late payment remarks on my accounts perplexes me. I refer to 15 USC 1666b, which mandates the correction of billing errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

The questionable accounts specified below continued to report on my credit report despite the previous sent requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus last XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be validated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled as soon as possible : XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$530.00}
Product: Debt collection

I received a phone call from XXXX XXXX XXXX this afternoon. They used my maiden name, which has not been my last name for 20 years. The woman identified herself as a debt collector for LVNV funding and gave me the amount of the debt. She said she was calling to see what we could do to clear up the account today. I explained to her that this was a surprise to me and that it must be a very old debt and that I have not received any correpondance about this debt. I asked her to send me a letter detailing the debt and she insisted that I had received notifications at my current address. I informed her that I had just taken care of several debts and that if I was aware of it, I would have contacted them to see what could be done about it. I told her that this debt does not show up on my credit report. At this point she informed me that this debt is a judgement and threatened that if I did not make arrangements within seven days, they would attach my wages. She said that she already had the information of where I was working and how much I was making, and disclosed the information to me. I asked again for her to send me information about the debt and then she began to argue and yell at me saying that she did n't believe that in eleven years I never received any correspondence about the debt. I said I may have, but not recently. She continued to yell so I told her she was being very rude and asked to be transferred to a supervisor. I was put on hold and transferre to XXXX XXXX. I informed him of the situation and he sent me documents and also reiterated that if I did not make arrangements within seven days they would be attaching my wages. What neither of them divulged to me was that they would have to file a claim with the courts in order to attach wages and that I would be given the opportunity to defend myself. I feel that this company used threatening tactics to get me to pay a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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

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

3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit card

In XXXXXXXX XXXX  XXXX I took out {$750.00} on a Best Buy Credit Card. I regularly made payment of $ XXXX  monthly for a year. I was promised a 0 % interest rate for XXXX year. After 18 months my balance has not gone down by more than a XXXX  XXXX XXXX. 

The company never sent me my card in the mail and refuses to do so after I attempted to call them. This makes it impossible for me to create an account online to set up auto pay. 

I have had to call to make a payment each month since. They have been charging me late fees of $ XXXX each month and a result, providing no grace period if payment is not made on the first of the month, even when this date falls on a XXXX XXXX XXXX  or other non-business day. I have never missed a payment but have paid it a day or XXXX late from time to time. 

They have assessed over XXXX late fees of XXXX XXXXXXXX on my account. The balance should have been paid off months ago as I have given them more than what I took out at this point, but my balance has barely gone down. 

Late fees were capped by the CFPB at {$8.00} in XXXX and this company refuses to honor this. I feel they are in violation of the law and I would like my balance reduced to reflect the fact I have paid them well over the {$750.00} I took out at this point. At the very least I want all late fees I took out reduced to the {$8.00} required by law, as they are in violation of this policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received an Alert from XXXX that a new account was posted to my Credit Report. According to the information a loan or lease account was opened with XXXX XXXX in the amount of {$58000.00}. Since it was on the Experian report, I immediately filed a Dispute Report to dispute the information since I had never heard of the company nor initiated any loans in XXXX. I also called XXXX and was connected with a Restoration Specialists. As was advised to file a Local Police Report, an FBI Report, and a Federal Trade Commission Report. All three reports have been filed. I also placed a fraud alert on my Credit Report with all 3 Credit reporting agencies. I was told to contact the company and tell them I was a victim of Identity Theft, which I did on XX/XX/2023. The XXXX XXXX when I call want an account number before they will assist me. I told them I was a victim of Identity Theft, they finally asked for name, address, last 4 SSN, yet there is no record in their system of my name, address, or last 4 of my SSN. However, according to the Experian Dispute Results on XX/XX/2023 XXXX XXXX says the information submitted to XXXX was accurate.
Product: Credit reporting or other personal consumer reports

DESPITE MY PERSISTENT EFFORTS TO CONTEST THE INACCURACIES IN THE INFORMATION PROVIDED TO EQUIFAX, XXXX, AND XXXX, UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED UP TO THIS POINT. 

Report in EQUIFAX : XXXX. The following personal information is incorrect Former : ARKADLY A XXXX XXXX. The following personal information is incorrect Former : XXXX A XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX. Under XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in XXXX : XXXX. The following personal information is incorrect Date of Birth : XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction of the consumer for medical product or services. 


Report in XXXX : XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX WY XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX AV XXXX XXXX, WA XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX, WA XXXX. Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information XXXX XXXX XXXX Account Number : XXXX 15 U.S.Code 1681a ( 3 ) ( b ) - Consumer report should not include an individualized list or description on the payment transaction
Product: Checking or savings account

USAA, would delay depositing my funds to intentionally overdraft my acount and create a domino effect of overdraft/non sufficient funds fees. that caused a cycle that I could not recover from. the fees were so repetative and constant that I eventually filed bankruptcy. becuase i fell behind on so many bills.
Product: Vehicle loan or lease

I'm currently leasing a vehicle from Nissan Motors in CT and this lease ends on XX/XX/2021. I called Nissan and advised I needed a buyout amount on my current lease as I was leasing a new vehicle XXXX  XXXX XXXX that was not a Nissan vehicle. They provided me with the buyout amount. However, when the 3rd party XXXX dealership called to confirm and process the buyout as XXXX would be taking possession of the Nissan as a buyout, Nissan advised that there policy has changed and that they are no longer accepting buyout 's from a non Nissan dealership. 
I am now stuck with the re-stocking fee and all other wear and tear items that will arise at any normal end of lease experience and I lose the equity in the vehicle that the XXXX dealership offered me. 
I called the Nissan dealership I bought the vehicle from, as well as Nissan corporate / customer service and complained to anyone who would listen but I kept receiving the same answer which was that I don't own the vehicle and that the company had changed their policy and there wasn't anything I could do unless I wanted to get another Nissan vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXXXXXX Balance : {$18.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$2500.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX : {$8000.00} ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist purchased my mortgage from guarenteed rate on XXXX XXXX the day I paid guarenteed rate. They immediately reported my account delinquent to the credit bureaus instead of waiting the 60 day window for me to sort out where the payment was to make sure I did not double pay. I was told by a truist representative that the late payment report was based on an accounting error by truist : their system says they have owned my mortgage for months longer than they actually have. However no matter how many times I call I can not get to anybody who can actually fix the problem, they just submit support tickets endlessly. This should be a simple dispute since they are supposed to wait 60 days, but the credit bureau dispute I filed was not successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have identified information on my report which are a result of identity theft, these items are not related to any transactions complete by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I called and spoke with Transunion. The representative I spoke with was XXXX work ID # XXXX. There were fraudulent inquiries placed on my report. The representative denied my right to seek remedy in removing inaccurate information from my consumer report. As a consumer who understands federal law, this is a direct infringement on my rights to truth on my credit profile. This is not right and I am seeking remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The only address that should be listed on my credit file, should be : XXXX XXXX XXXX XXXX, Georgia XXXX Remove any other address you have listed on my credit file as these addresses are not correct. The only address listed should be the one listed above. Any other addresses should be removed. The only name that should be listed on my credit file, should be : XXXX XXXX Remove any other name listed on my credit file as these names are not correct. The only name that should be listed on my credit file is listed above, please remove any other names you have listed on my credit file. 

I noticed there were two different socials connected to my credit file, these socials are incorrect and should be removed. The last 4 of my socials is XXXX Please remove the incorrect socials of XXXX & XXXX. 

Please see the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 card or prepaid card

American Express offer to enroll me to automatic accident insurance every time I booked a ticket under my card. In the past, I kept on complaining that I should not be charged for insurance if the plane ticket is not under my name. I trust them that they will not charge me because I already placed several complains about this. So what I noticed whenever I had a chance of checking my charges I saw some automatic insurance charge and I even have a record in their system about my complain. Again, I saw some charges these past few months and I was told that the policy of the insurance company who is Amex partner change that every time a plane ticket is charged regardless if its me or not will be charged with automatic accident insurance fee. I was told that they send letter about it and XXXX me because I fail to read it, I am now penalized for automatic accident insurance regardless who is the passenger.
I 'm not a lawyer but this is a sneaky way of doing business with a loyal client for the past 15 years. If I will enter into an insurance agreement, I must clearly consent it.
This sneaky way of generating revenue should be stopped and I need to know what available option I have because I spent so much time fixing this instead of going to work. I 'm not only losing money here, but I also lost time which I 'm supposed to be earning money to iron out these constantly repeating issues.
Thanks for your help, XXXX