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

This credit bureau has been notified that this account is not mine and  may have  been obtained fraudulently. The companies are  XXXX   XXXX  and  XXXX .
Product: Credit reporting or other personal consumer reports

I've been with Comenity Bank/Child place since XXXX and I've never had a payment reported late during my time with them. This account has been set to auto from my checking account since the inception of the account. On XX/XX/XXXX, the monthly payment for my card was not drafted from the account the bank accounts I have saved on my profile. I'm a busy person, so I went about my life over the next couple of weeks and traveled. But the week of XX/XX/XXXX, I checked my credit score and saw that my score had dropped due to having a late payment. I knew that couldn't be right so I called Comenity Bank and they told me that it looked like that they couldn't verify the bank account that I used to make the payment, but mind you, this is a bank account that I've had saved to my Comenity Bank profile, and is also linked to other cards on my Comenity Bank profile. I, immediately made the payment for XXXX, and XXXX payment on XX/XX/XXXX. The representative who assisted me told me that this was unfortunate also, highlighting the fact that I've never been late in almost 6 years. Also, I did receive the notification that the payment had successfully gone through. I didn't know that it had not gone through until I checked my credit report, and it was shown as late. I don't have any late payments at all on my credit report, and this is very disheartening and has affected my credit score in a very negative way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 Follow Up XX/XX/2020
Product: Credit card or prepaid card

The credit card for this account has been paid in full and closed, yet the credit card company has yet to remove this item from my credit report, therefore effecting my credit rating. This negative item is also preventing me from being able to become a first time home owner. 

The account was opened on XX/XX/XXXX and paid and closed on XX/XX/XXXX. The amount of time that has passed, it should have been permanently removed from my credit report.
Product: Checking or savings account

I am writting to file a complaint against Navy Federcal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charge 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 an investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 

XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Delete this/these accounts unless you want to be held accountable for {$1000.00} per account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account of {$750.00} with a service where I couldn't make monthly payments for. They sent this to Security Credit Services LLC as debt owe ( according to my credit report, it's Security Credit Services LLC who owns my debt account ). Security Credit Services LLC did NOT contact me at all to pay off the debt, instead, they automatically posted this on my credit report as an open account in collections. They then sold my account to a third party debt collector, XXXX XXXX XXXX. XXXX XXXX XXXX has been harassing me continuously to collect the debt. I paid my debt in full and was informed that I will have to handle this with Security Credit Services LLC to get it removed from collections on my credit report. I've left messages, called continuously, even wrote a letter to fight this. But I have NO response at all. Although the debt was paid in full, it still shows as an open account under collections and it's hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My son and I went through Sallie Mae for a private student loan due to the outrageous expense of attending XXXX, XXXX, Oklahoma. Then, my son only stayed 2 months and withdrew, nothing was refunded back to our loan. He has had to pay to defer, only works part time, going back this XX/XX/XXXXto a lower cost university, but the interest rate with Sallie Mae is outrageous!!! I believe it's 12.875 %, which is absurd for a struggling student and his struggling parents!! Their rules are ridiculous, and certainly no flexibility with repayment!! Even if we simply pay on interest while my son finishes his degree, we will not accomplish anything, no affordable payment plan, interest to high, to many penalties!! How in the world can someone achieve a degree when already defeated with such an unreasonable student loan??
Product: Credit card

I I have a Visa cc with WF for over XXXX years. I make payments before the due day to avoid late fee charges. In the XX/XX/XXXX statement I noticed a charge of {$37.00} for a late fee when the payment was received XXXX days prior to the due date. When I called I was given a credit back for the late fee but not for the payment because I was enter as an adjustment. I argued that the XX/XX/XXXX payment went in and why I needed to double pay for XX/XX/XXXX. The customer service representative continue to state I did not pay the account, which I did and before the due date. My grievance is they are not crediting the payment in the correct category so they can continue charging late fee for payment. It is fraudulent and misleading to the customer stating because they label the payment as an adjustment now the consumer must double pay in the next payment creating hardship for the customer and benefiting the XXXX. I would like someone to look into this practice and make individuals aware, I also want my account to be corrected. Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I have a Capitol One debit account that my paychecks get deposited into. I was paid on Thursday XXXX but Capital One has not deposited my money into my account. I have no way to access my money and therefore no way to pay my bills, put gas iny car, or put food on the table for me and my XXXX children. This is unacceptable. I contacted them on Thursday night and was not given any answers other than " we are working to resolve it, but we don't know when it will be resolved. '' It is now the end of day XXXX without my paycheck and we are doing into a long weekend. How am I supposed to get to work? How am I supposed to feed my family. Capitol One is doing nothing to help me with the issue they are responsible for.
Product: Payday loan, title loan, or personal loan

On todays date, XX/XX/19, I emailed emoneyusa to revoke authorization for automatic debits from my bank account. Per the loan agreement, the revocation has to be in writing. I immediately received an email, two text messages ( one of which was addressed to a XXXX? ), and a phone call. They call me from a XXXX XXXX XXXX XXXXI dont know what that is all about. They refused to honor my revocation of authorization, and told me to call in order to discuss other payment options, despite them having denied my request for a short forbearance moments earlier. XXXX is the representative that was contacting me. I did call them and they were closed. I also sent a text message back to XXXX repeating my revocation. I have not heard back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX BANK ( XXXX ), ORIGINAL CREDITOR, XXXX XXXX XXXX SOLD TO XXXX 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. section 2 : it also states a consumer reporting agency can not furnish an account without my consent.
Product: Credit reporting or other personal consumer reports

Last spring I uploaded all the documents to the Dept. of Education website for student loan forgiveness because I was a XXXX  for XXXX  years at XXXX XXXX XXXX, and then worked at a non-profit for XXXX more years. The department of education never informed my loan providers that my case was pending. I also clicked the button to put my loans in forbearance. Only to find out that neither actions were comunicated to my loan providers. When I called, the representative told me I should have never uploaded my doicuments onto their website. When you log on the website, the instructions cleary state that the information should be uploaded to them. They failed to do what they were supposed to. Then in XXXX, my loan provider said I was late and my credit score was dinged 7 times for essentially one combined loan. Therefore, my credit score went from an XXXX to a XXXX in minutes. I am in the midst of getting a home and now that has to take a back seat for another year until my credit is restored. All we have in this country is our credit score. And because of their negligence, I have to rebuild my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bankruptcy is not mine!! I've never filed for Bankruptcy!! please remove!
Product: Credit card or prepaid card

I recently checked my XXXX  Report. The credit report showed a credit inquiry by US BANK ( DATE : XX/XX/2019 ) that I did not recall authorizing. I am a victim of identity theft. Please help me to resolve this problem
Product: Debt collection

Oklahoma has and electric has turned a debt over to AMR a collection agency and XXXX XXXX XXXX nor AMR notified nor sent notice of any debt to me before placing it on my credit during a national pandemic which is having a severe financial burden on myself and my family. AMR is also flagging this debt as collections 2 to 3 times a week to cause a XXXX XXXX  XXXX much of which is XXXX and XXXX veteran undue stress During a pandemic and national disaster, they have promised verification of debt numerous times and not provided it, the only call Ive ever gotten they claimed to be Oklahoma natural gas where I verified I have 0 debt, they argue this and claim to have recordings but had better listen to them as its the truth. This is predatory and antagonistic having a collection agency who redated and reports items out of Oklahoma statue of limitations and flags it collections several times a week along with stating I gave a credit limit and terms to inflict significant damage during a pandemic and national disaster
Product: Credit reporting or other personal consumer reports

This company is illegally furnishing private bankruptcy court information to the credit bureaus with out my consent
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Notice of Dispute and Request for Updated Status Dear Sir/Madam, I am writing to formally update the late payment entries on my credit report for the account referenced below. According to the ( FCRA ), I believe that these late payments have been reported in violation of my rights under the following provisions. In ordnance with 15 U.S.C. 1681a information reported on a credit report must be accurate, complete, and fair. I believe that the late payment entries reported on my credit file are inaccurate, incomplete, or misleading and should be corrected. Also Violation of FCRA 1666b ( Timely Notice of Billing Error ) : This section requires creditors to provide timely and proper notice to consumers regarding any billing errors, including late payment charges. If a billing error is disputed, the creditor is obligated to address it within a reasonable timeframe. I believe the creditor failed to provide the required notice of billing errors and did not give me an adequate opportunity to dispute or correct any alleged late payment charges. As a result, these late payments were reported incorrectly. 
Violation of FCRA 604 ( a ) ( 2 ) ( Permissible Purpose ) : Under this section, information may only be disclosed to third parties ( e.g., credit reporting agencies or other creditors ) if the reporting entity has a permissible purpose under the law. This includes cases where information is reported to ensure the accuracy of credit reporting, or where the consumer has explicitly agreed to the reporting.I believe the creditor did not have a permissible purpose to report late payments under these circumstances, particularly if the late payments were inaccurately reported or if no valid underlying issue existed. 


Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX Date ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX XXXX ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX XXXX ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX Account Information : Late payments Account Number : XXXX Creditor Name : XXXX XXXX XXXX  ( XXXX ) of Late Payment ( XXXX ) : XX/XX/XXXX 2024
Product: Debt collection

This company was notified in writing via certified mail that the debt they were attempting to collect was not valid and that they could not report and never sent me a validation of said debt.
Product: Debt collection

i am writing this due to non-compliance with the ( XXXX XXXX XXXX ). they have failed to remove information that was affiliated with personal details that were challenged in the past. i strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law
Product: Credit card

I was contacted on Tuesday XXXX XX/XX/year> by Citibank saying they though a charge of {$1100.00} was fraud. I was grateful for their vigilance, and asked about the dispute resolution. I was routed to XXXX different off-shore call centers and finally told that the fraud department would not take a look at the charge as yet, because the vendor had not responded. I don't understand that a charge of that amount would remain on my record because of the vendor behavior. We all agree that the charge is a fraud, so why is this policy so dilatory?
Product: Debt collection

I received threatening and harassing letters in the mail. This is mail Fraud. There was also copyright infringement etc.
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. 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 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 XXXXXXXX has violated my rights.

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. 


Incorrect Names on 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 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 Unsecured Listed as Installment account on XXXX and on TransUnion as XXXX XXXX XXXX {$500.00} XX/XX/XXXX Listed as XXXX late payments but Paid.closed XXXX XXXX XXXX  XXXX No Amount listed No amount listed. Listed as Installment on TransUnion and as XXXX XXXX XXXX but Secured Loan on XXXX XX/XX/XXXX Secured Loan Listed as Paid/Closed with XXXX late payment XXXX XXXX XXXX XXXX {$150.00} Secured Card Listed as secured card on XXXX with XXXX late payments and revolving on XXXX as XXXX XXXX with XXXX late payments. Listed as XXXX late payments with TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Debt Buyer Listed as open account on TransUnion and XXXX as XXXX XXXX XXXX and but listed as collections as XXXX XXXX XXXX on XXXX {$480.00} XX/XX/XXXX Credit XXXX XXXX XXXX XXXX XXXX Co XXXX 
Listed as Open Account on TransUnion but Collections on XXXX as XXXX XXXX and XXXX as XXXX XXXX XXXX {$190.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX as Open Account on TransUnion but Collections on XXXX and XXXX XXXX 
{$310.00} XX/XX/XXXX XXXX  XXXX XXXX Listed as Charge off Business Card on XXXX but Listed as revolving on XXXX and revolving account TransUnion {$530.00} XX/XX/XXXX XXXX  XXXX XXXX Credit Card Listed as revolving on XXXX and revolving account on TransUnion but listed as credit card on XXXX. Listed as Closed Charge off {$200.00} XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

There was no warning on Zelle to let me know that if I happened to send money to the wrong person, that money can never be returned to me. There is a warning now, but I have lost a considerable amount of money because of this.
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting Act These accounts on my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX acct XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX have 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 section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

As of XXXX XXXX XXXX XXXX XXXX  said that they are going forward the information to a collection agency because of the Fair Credit Act they will pause on pursuing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with L J ROSS ASSOCIATES IN ( Original creditor : XXXX XXXX  ) with the account number XXXX. The dates where it shows that I am late in making my payments were an error. I have not received any billing information from them or any notification stating that I am late. I have reached out to XXXX Bureaus and furnisher but I have not received any forms of response from both parties. Thus, I am sending this complaint to seek help and assistance for me to have this account updated into positive and remove all the late statuses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently won suit against XXXX XXXX XXXX XXXX for Misreporting and Violating FCRA by reporting incorrect information. Account that was incorrectly reported is : XXXX XXXX XXXX XXXX # XXXX. Open : XX/XX/XXXX. I have court order that XXXX was reporting in violation of law, and that account needs to be deleted I tried to fix this issue with TransUnion back on XX/XX/XXXX by sending to this credit reporting agency a notice that I won the case and requested them to please BLOCK this account. I eve attached the lawsuit judgment as proof of case won. 

Please help me to block this information since its my right because I won the case and this credit bureau is still reporting this account. 

Please review the ATTACEHD LAWSUIT JUDGMENT.