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

I am disputing the multiple late charges that appear on my credit report. Infractions were no fault of my own. These were all consequences as a result of the coronavirus. I made every attempt to pay my debts on time, but the odds were against me. I always kept my accounts in good standing. If you view my payment history, you will discover that I was never late. As a result of the pandemic, My company where I was employed down sized. And as a result of that, my hours changed from full time to part time. This went on for almost a year. I had exhausted all of my savings just to survive. I was behind in my rent constantly. Almost lost my apartment twice. Fortunately, my landlord understood and was very lenient with me. He was struggling also with other tenants. I gave him what little I could spare, but that's all I could do. This was the worse predicament I've ever been in. This virus was affecting millions. I'm sure some of you felt the effects of it. If you didn't, you were just one of the lucky ones. I did not know what my next move would be. I literally prayed which is something I did not do a lot of before. Fortunately, after a year, I got my regular working schedule back. Now I'm just trying to put the pieces back together.I know I have a long way to go.
Product: Checking or savings account

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

I am a Consumer that is protected by the laws of the FDCPA, and attached you will find servers Violations from the following Credit Agency and I would like to resolve these issues. 
VIOLATIONS from EXPERIAN, XXXX & XXXX see attached ;
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a fraudulent account that was successfully disputed last year. Original creditor : XXXX XXXX XXXX. Collection company at the time : XXXX XXXX XXXX XXXX Please refer to FTC report number : XXXX ). They are trying to put this collection account on my credit file again this year with a different collection company ( XXXX XXXX XXXX ). 

When I dispute an account with Equifax, They ask me to wait pending the results of their investigation, which could take up to 30 days, in hopes they find something negative again during that time. To me this is nothing more than a cheap attend to suppress my score. They clearly do not need 30 days to review an account they already reviewed last year. 

This is my third complaint about Equifax ( for different issues ) within the last five months. 

Asked for annual credit report - Not provided until complaint to FTC Asked to remove account older than seven years - Not removed until complaint to FTC Asked to remove PREVIOUSLY disputed fraudulent account - PENDING I hope they are not using retaliatory methods and instead focus on doing a better job at keeping fair and accurate people 's financial history. Thanks.
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 XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( 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. 

XXXX U.S.C. XXXX ( 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

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft LVNV FUNDING LLC Account Number : XXXX This is not mine.
Product: Debt collection

This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false
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 has violated my rights. Or list of inquiries 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 reporting or other personal consumer reports

I just found out that XXXX XXXX XXXX  is showing on my credit report for a paid off loan. The loan was paid off in XX/XX/XXXX. I received a letter in XXXX this year they reported me in error to the credit bureaus yers ago which I wasnt aware of. Im going out for a job the checks my credit and they mention XXXX which I had never heard of. In checking my report XXXX is XXXX XXXX XXXX. Looking at my credit score today it has dropped. Investigated why and it shows one of my fully paid XXXX XXXX XXXX accounts has been delinquent in XXXX, XXXX and XX/XX/XXXX XXXX Ive been making payments on time in this account since XX/XX/XXXX. That cant be considering the account has been paid in full since XX/XX/XXXX. I spoke with a representative in the phone at XXXX XXXX XXXX XXXX was told this sort of issue is common and it will take a while for it to get corrected. Im so annoyed with this issue because my father was my co-signer and Im sure this issue is now affecting his credit as well which he never asked for. Im just learning XXXX XXXX XXXX has a past of doing this. I would like to know how I cant get the issue fixed because XXXX XXXX XXXX XXXX seem to be highly confused and the two companies are not communicating in order to fix client issues such as mines. Im afraid this issue on my credit may affect me in getting a potential job due to them mentioning this negative aye on my credit report.
Product: Debt collection

Portfolio Recovery Associates made racist remarks and told us that we couldn't prevent collection calls to cell phones before XXXX XXXX. They clearly hate members of special groups of people. They threatened to tear our lives apart by dragging us through the courts for debts that aren't even proven. They are threatening us over and over again. We fear they will retaliate against us. They are forcing us into bankruptcy. We have hired an attorney for the BK.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received your response Last XX/XX/XXXX that you Close MY COMPLAINT # XXXX that I sent a on XX/XX/XXXX to Investigate the Erroneous Account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$470000.00} that is UNKNOWN to me. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days and yet the problem is still reporting in my credit file and you closed my complaint to protect my privacy. I am submitting this complaint myself and attached a copy of my Drivers license, Social security card, and Utility bill to inform you that I am the one asking your help to investigate the inaccurate information listed in my credit file since the credit reporting agencies are not doing their obligations in my credit file, ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount 2,500 is being stated on my credit bureau that is owed to first national bank of Pennsylvania this information is incorrect. That amount was fraudulently placed by a employer who scammed me for the funds I was unaware the employer paid me for my services with fraudulent funds that was later deposited into my checking account. I had no knowledge the funds was fraudulent and later filled a police report, reporting the employer was a scam and taking advantage of there employees. First national bank has refused to remove this account from my report and has negatively impacted by credit with all three credit reporting agencies
Product: Checking or savings account

On XX/XX/year>, at approximately XXXX pm, I, XXXX XXXX XXXX, XXXX secured private creditor under UCC file XXXX XXXX, went to Bank of America at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Texas XXXX XXXX I had an appoint to open up a non-interest bearing account, which I had disclosed to them when I had arrived. After a few questions and other informational matters, XXXX XXXX XXXX, relationship banker, asked me for my Social Security Charter Vessel. I disclosed to XXXX XXXX that I had legally terminated my S.S. charter vessel in accordance with XXXX XXXX XXXX. XXXX XXXX then stepped outside. After a few minutes she came back with the XXXX, XXXX XXXX XXXX. He merely said that they needed my S.S. Vessel to open an account. I informed them that the bank could not be held legally responsible by anyone for failing to obtain a SS vessel from me pursuant to 31 CFR 103.34 ( a ) ( 1 ) and I informed them that under the Internal Revenue Code Section 6041, that they were not even required to provide any taxpayer identification numbers on the Form 1099 that they file with the IRS at the end of the year, and I informed them that pursuant to 26 CFR 301.6109-1 ( c ) that they were under no legal obligation to obtain a SS vessel from me, and I informed them that 42 USC 408 makes it a FELONY to use threat, duress, or coercion to try to force a person by fear or deceit to provide his SSN in an unlawful manner. I asked for a reason as to why they required a S.S. Charter vessel if according to 46 U.S. Code section 57308, the SS Vessel is to be terminated at the age of 25 and is to no longer be used in commercial. However, neither one of them were able answer my question. Not only that, but they defrauded me as a secured private creditor in pursuant of 25 CFR 11.423 by encumbering with property subject to a security interest of mine, with purpose to hinder that interest. In addition to defrauding me, they deprived me of a right/privilege pursuant to Title 18 section 242. In the end, ignorance of the law excuses no one - 16 Am Jur 2d sub-section 178.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX - XXXX COLLECTION - XXXX INQUIRIES XXXX - XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX IS OVER THE REQUIRED TIME FRAME TO RESPOND TO MY REQUEST. BY LAW ANY ACCOUNT REFERENCE MUST BE DELETED FOR FAILURE TO ADHERE TO THE FCRA LAW. SEE SAID ATTACHMENT FOR VALIDATION OF DELIVERY AND REQUESTED INFORMATION. UNDER THE PENALTY OF PERJURY THE MUST ADHERE TO THE FCRA. 


MAIL XXXX RECEIVED AND SIGNED FOR XX/XX/12
Product: Debt collection

On XX/XX/XXXX of this year, I received notification that a collection account had been added to my credit report by Midland Credit Management for a debt supposedly originating on XX/XX/XXXX, which was said to have been a debt they bought from XXXX XX/XX/XXXX, with whom I have never done business. XXXX XXXX  confirmed this debt referred to an inaccurate debt with XXXX that I successfully challenged in XXXX with an actual last reported date of XX/XX/XXXX, fully 10 years before the date implied on the reported account. I further learned that XXXX XXXX  bought XXXX recently and sold off this account to Midland Credit Management and had no knowledge of the XX/XX/XXXX date origination. As a result, I challenged the debt with XXXX  noting that Midland Credit Management violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ] by fabricating a non-existent account opening date with which XXXX  agreed and Midland Credit Management was forced to remove the fraudulent item from my credit report ( screenshot included ). 

I hadn't heard anything more about it until XXXX of this year when I received a threatening letter from Midland Credit Management ( also included ). In this letter, they again violated Fair Debt Collection Practices Act 807 ( 2 ) [ a ], this time indicating the date of the debt origination to be XX/XX/XXXX. In addition to this, they have also violated Fair Debt Collection Practices Act 807 ( 5 ) by threatening me with an action they can not legally take ; in this case manifesting itself with a threat of legal action many years after the expiration of any applicable statute of limitations. 

At this point, I wrote a letter demanding they verify the debt per my legal rights and sent it via certified mail on XX/XX/XXXX ( receipt and letter included ). It has been over three months now and they have refused to answer my request thereby violating Fair Debt Collection Practices Act 809 ( b ). However, They attempted to call me again at XXXX XXXX EST and again today at XXXX XXXX EST, which they are also forbidden to do until they have responded to my request to verify the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX and Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I receive a call from debt collect for an Account for XXXX XXXX XXXX for dates XXXXXXXX XXXX for amount of XXXX. I do not claim this debt or have any recognition. The representative do believe XXXX a victim of fraud. There was XXXX numbers listed on the bill and I dont know who numbers they are. They Instructed me to go to this consumer address and make a complaint. They will send me a letter to fill out and return to XXXX to get this handle. They gave me reference # XXXX and return address as XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX I also told them they can contact XXXX XXXX XXXX XXXX XXXX  if they thought this was previously on my credit report and they can coordinate with them as well.
Product: Credit card or prepaid card

i have been a customer here Am ex 30 years. In the past with other banks when we have gotten sick from food at restaurants disputed the item when the merchant does not resolve it-here i did the same thing, and got a ridiculous response. To talk to merchant which i called with no response. Both daughter and i got violently ill after XXXX XXXX meal. i do not need to have explained to me what a tort is i am in law school anyway i will now be unaable to use any of my 3 accounts i have had for years. all over XXXX dollars. this was not handled properly The restaurent was not contacted by you either i did with no response I want my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT #. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEW YORK XXXX XXXX : Detailed Negative Account History Report To Whom It May Concern, I am writing to provide a detailed account of my credit history, specifically the negative accounts that have impacted my credit report. Below are the accounts that have negatively affected my credit standing. 


XXXX ( XXXX ) Account Status : Charged Off Balance : {$4300.00} Past Due Amount : {$4300.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : 9 Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 180 days, charged off ) Comments : Account closed and written off as a loss. 

XXXX XXXX ( XXXX ) Account Status : Charged Off Balance : {$1100.00} Past Due Amount : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : 8 Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 

XXXX XXXX XXXX XXXX ( XXXX ) Account Status : Charged Off Balance : {$1100.00} Past Due Amount : {$1100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : 5 Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 


XXXX ( XXXX ) Account Status : Charged Off Balance : {$2100.00} Past Due Amount : {$2100.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : 9 Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 180 days, charged off ) Comments : Account closed and written off as a loss. 


XXXXXXXX XXXX  ( XXXX ) Account Status : Charged Off Balance : {$1300.00} Past Due Amount : {$1300.00} Date Opened : XX/XX/XXXX Charge Off Date : XX/XX/XXXX Account History : 6 Potentially Negative Months ( Account charged off, written off balance ) Payment History : Significant delinquencies ( Past Due up to 150 days, charged off ) Comments : Account closed and written off as a loss. 
XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX ) Account Status : COLLECTIONS Balance : {$630.00} Past Due Amount : {$630.00} Date Opened : XX/XX/XXXX INCORRECT ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX INCORRECT EMPLOYER XXXX XXXX XXXX XXXX XXXX INCORRECT NAME XXXX XXXX XXXX XXXX XXXX understand that these accounts may have negatively impacted my credit history, and I am working towards resolving any outstanding balances and improving my credit standing. If you require additional information or documentation regarding these accounts, please feel free to contact me. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance {$590.00} XXXX XXXX Balance {$24000.00} CAPITAL XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

It's things on my credit report that's not correct and inquiries that's not mine. I ask to get all of them removed but I had no luck. It's fraudulent and it's hurting my credit and chances on getting things. So please clear my report up thanks