23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This debt collection agency is pretending to be a Law Firm, and has called harrassing me and friends and family. They even give a docket number threatening to show up at my job.
Product: Debt collection

I have been going back and forth with this collection agency and the creditor for now almost 6 years. I lived at a property for a short time and when I moved out I was given misleading information. The collection agency at first tried to collect an amount of {$2700.00} when in actuality I allegedly only owed {$650.00}. I contacted the creditor XXXX XXXX who corrected the amount but it took close to 1 year to accomplish this. I offered to pay the {$650.00} but asked that the debt be removed from my credit report because if the original balance was {$650.00} and not {$2700.00} I would have paid it no questions asked. Due to the lack of cooperation from the collection agency Fair Collections And Out and then the drawn out emails and constant back and forth with XXXX XXXX AKA XXXX XXXX it was discovered that the balance indeed was {$650.00} so the entire time they damaged my credit based on a false amount owed which is against the law. I will attached the email chain so you can all see it. It took me many phone calls and their office manager at the time to fill me in on the information so I could get the correct amount. When I told them the office manager gave it to me they didn't believe me so I had to show them proof of my phone calls ect. This was very deceptive on both Fair Collections And Out and XXXX XXXX to try to scam me out of {$2700.00}. They did however correct it to {$650.00} and as a courtesy I asked them to please send me courtesy deletion letter or email showing good faith that they would correct the issue and remove it from my credit because it was not done correctly from beginning ( which I offered to pay when I moved out the correct balance ). They refused to do so. Now I could let the debt expire and pay nothing but I would rather take care of the debt and pay it. My offer still stands to pay the debt but have it deleted because it was wrong from the beginning to the tune of {$2000.00} off.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXXXXXX
Product: Student loan

I overpaid my first payment with Aidvantage on XX/XX/XXXX. I also set up auto-pay on their website. I received confirmation of both the payment being made and the auto pay being set up, however, a week later, I received an email that my payment was overdue. I logged into Aidvantage, and saw that somehow the payment had been reversed. The bank account numbers are all correct. I also saw that autopay was no longer set up. Now my credit score is being affected by their error. I have sat on the phone on hold for hours and never receive any custmer service. I feel trapped and deceived by a predatory company.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX XXXX XXXX made an unauthorized error including inquiry on my credit report.
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. 

Account name XXXX XXXX XXXX XXXX # XXXX, Account name : 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: Checking or savings account

Back in XX/XX/2019 there was a unauthorized charge from XXXX XXXX that came from my bank account through Fifth Third Bank I got in contact with the bank on several occasions was able to get a representative from XXXX and the bank on the phone together and have the funds reverse to my account coming up now onto XX/XX/2019 the bank took away a credit and said that the situation was not correct it between them and XXXX XXXX   closed this Feud and charge me a XXXX XXXX XXXX this put me negative and I have been stuck with nothing but excuses from the bank telling me they had to reopen their investigation extremely rude to me demanding paperwork that I do not have because this was an unauthorized charge Fifth Third kept telling me they need it prove I paid the bill and on several occasions I explained to him that there was no bill due to pay I can not provide you proof they told me to take 30 days to get this straightened out we are nearing a 30-day Mark with no resolution in my account now is double the amount it was negative the first time around and I keep constantly playing catch-up with no response from the bank and no help whatsoever
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transations or experiences between the consumer and the person making the report ;
Product: Student loan

I was call from Navient about my wifes student loans. I have nothing to do with her loans. Im not on their information at all and they called me asking about my wife. I feel violated that they called me instead of trying to reach my wife. Its so disrespectful and violated. I was angry about the whole thing because a line was crossed.
Product: Checking or savings account

On or around XX/XX/XXXX I opened a checking and savings account with Citi as they were offering a new account opening bonus of {$320.00}. The URL to that page is here : XXXX : XXXX? XXXX & XXXX & XXXX I have also taken a screenshot of this page and the terms if necessary. 

I attempted to call an agent on XX/XX/XXXX and explained that I met the requirements. The agent put me on multiple holds to " verify with a personal banker '' to see if I was eligible for the promotion. When the agent returned, she said that the " promotional code '' was not applied for the promotion. What promotional code? The terms say specifically on the website which steps should be followed to obtain this bonus. 

This is my first account with Citi, for what it's worth.
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. 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

its been 3 months since I notified the credit bureauby mail that my identity was stolen. I have been sending letters and placing several calls a week disputing the fraudulent information on my credit report. The erroneous information is ruing my life financially and need this removed asap!
Product: Credit card or prepaid card

I recently obtained a copy of my credit report and found the item to be in error. I want to dispute the following inaccurate information that appears on my XXXX Annual credit report. The error which prompted this credit report dispute includes late payments on XXXX, XXXX, XXXX, SYNCB/JC PENNEYS. I am kindly requesting SYNCB/JC PENNEYS to remove this late payments from my credit reports. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

This ENTITY is in violation of The Gramm-Leach-Bliley Act of 1999. Also, The Fair Debt Collection Act by The Federal Trade Commision.

Violations of My Consumer Rights!!!

28 3002-10 ( Person ) 18 USC Section 241 15 USC 1650 15 USC 1692 ( g ) ( d ) 18 USC 657 18 USC 1032 XXXX XXXX Adding delinquent accounts to my credit report. XXXX XXXX XXXX  Profiling Keeping accounts in Negative Status. Violations of CONSUMER RIGHTS. VIOLATIONS OF CONSUMER LAW 'S. FRAUDULENT BUSINESS PRACTICES!!!! 15 USC 1650 15 USC 3002-10 ( Person ) 18 USC Section XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Everyone is entitled to a social and international order in which the rights and freedoms set forth in this Declaration can be fully realized. 

ARTICLE 30 Nothing in this Declaration may be interpreted as implying for any State, group or person any right to engage in any activity or to perform any act aimed at the destruction of any of the rights and freedoms set forth herein. 




I AM The Executor of The Estate of XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my dispute regarding inaccurate information in my credit t. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing and evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. I request that CFPB take action to ensure Equifax complies with federal law and provides consumer with the necessary proof to investigate.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. 
Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. 
I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. 
Additionally, these misstatements are punishable as perjury under 18 USC 1621. 
This item found within my credit report is not related to any transaction that I made. 
I am alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 
This has caused me to suffer and its defamation of my character.
Product: Credit reporting or other personal consumer reports

Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit report. Accounts in question below. 

XXXX XXXX XXXX XXXX {$480.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor : XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX  XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX, Account : XXXX Reason : Delete this unverified and inaccurate account. Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ), Account : XXXX Reason : Delete this unverified and inaccurate account.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX XXXX we initiated a money transfer in the amount of {$150.00} via Western Union to be made available to my brother-in-law in the Philippines. The funds were withdrawn from our checking account, as we had requested, on XX/XX/XXXX ; however, for no good reason that Western Union was able to provide, they have refused to make the money available to my brother-in-law until XX/XX/XXXX. The transaction number ( XXXX ) for this transfer is XXXX. 

I am very well aware that this delay constitutes " playing the float. '' However, they are not entitled to do that and have no basis on which to withhold the funds from the recipient.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is in violation of the following Consumer protection laws under Title 15 of the U.S. Code ; on Tuesday XX/XX/2022 TransUnion was provided with a Notice of Fault / Affidavit of Truth in regards to the following violations. 

Title 15 U.S. Code 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) 2 Counts Title 15 U.S. Code 1681 ( 2 ) 1 Count Title 15 U.S. Code 1681 ( 4 ) 1 Count Title 15 U.S. Code 1681a ( 2 ( B ) 2 Counts Title 15 U.S. Code 1681a ( e ) 1 Count Title 15 U.S. Code 1681b ( a ) ( 2 ) 4 Counts Title 15 U.S. Code 1666b ( a ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) 4 Counts Title 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) 13 Counts Please see attached document for a copy of the presentment and US Postal Service Tracking Information
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
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. 

DEPT EDXXXX : # XXXX {$75000.00}, XXXX : # XXXX {$28000.00}, 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: Checking or savings account

There has been a lot of transactions occurring on this particular account due to my nature of work. I have needed to file several disputes because of merchants having the debit card on file and making unauthorized transactions. However, my latest complaint is against the bank itself. The account was overdrawn by {$120.00} on XX/XX/XXXX, I deposited {$100.00} on XX/XX/XXXX and received an email stating that I had until midnight XX/XX/XXXX to deposit the {$22.00} which I actually deposited {$40.00} on XX/XX/XXXX at XXXXXXXX XXXX ( text msg receipt from Wells Fargo Bank ). On XX/XX/XXXX at approximately XXXXXXXX XXXX  Wells Fargo Bank placed an overdraft fee on the account which is incorrect and their bankers don't seem to comprehend very well. In addition, I have some other discrepancy about two other transactions on the account from XX/XX/XXXX. I was given two provisional credits ( which were taken back ), I received a letter from Wells Fargo to send in documents confirming the merchant wasn't supposed to receive the payment ( something to that extent ) I sent in the documents never received back the credit. When I called to check the status it went from them needing documents to the funds were never actually taken out of the account which to my knowledge seems to be incorrect.
Product: Credit card

I made a payment to Capital One for {$3500.00} on XX/XX/XXXX causing a credit balance of ( {$1200.00} ). As I tried to pay for my groceries on XX/XX/2024, my credit card was denied which was embarrassing. I then tried to pay for my dog food on XX/XX/XXXX, and my credit card was denied which now I am humiliated. I called XX/XX/XXXX and they stated they were not sure and need to look into it. The first representative was not sure and got another representative. After being on hold for 25 minutes, they stated that my payment of {$3500.00} is to be held until XX/XX/XXXX and after that time I can use my account again. I stated this was unlawful and encouraged him to send a survey. The customer service again could care less as I guess a {$3000.00} credit limit is no big deal. I closed my account as this is complete unacceptable for being a customer for numerous years and of course I did not get a survey!
Product: Debt collection

First off I have never ever been contacted by this collection agency so I never had 30 days to dispute the record. However, my wife has been contacted and they put this account on my credit report. Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX XXXX Date Opened XX/XX/2015 Balance {$0.00}
Product: Credit reporting or other personal consumer reports

Equifax purposely providing false information regarding the XXXX account on my credit report THIS ACCOUNT IS FULL TERMINATION OF LEASE AND CLOSED. EQUIFAX IS SHOWING THIS ACCOUNT AS OPEN. 

THIS IS FRAUD FROM AIRPORT XXXX I HAVE FILED A FRAUD REPORT AGAINSTS AIRPORT XXXX WHO HAS A F RATING WITH THE CREDIT BUREAU AND NO LONGER EXIST. 

PURPOSELY TRYING TO HOLD MY CREDIT AS HOSTAGE AND TO DAMAGE MY CREDIT PURPOSELY AND PUTTING FALSE INFORMATION ON MY CREDIT REPORT ONCE AGAIN WHAT ARE YOU PEOPLE SMOKING NO PAYMENTS, NO BALANCE CHANGED BUT CURRENTLY IN GOOD STANDING. 

THIS ACCOUNT IS CLOSED HELLOOOOOOO
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act. the listed Accounts below has violated my federally protected consumer rights to privacy and confidentiality us the 15 USC 1681 Account Name and Number : XXXX XXXX XXXX XXXX XXXX, Account Name and Number XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX 15 U.S.C 1681 Section 602 A States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states that a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may take any consumer report containing any of the following items of information Any other adverse item of information, other than convictions of crimes which antedates the report by the more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is incorrect