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

Rented apartment and they lost two money orders in two months so we were needing to move as they did not want to wait on payment of both. They took us to court, there was court judgement for SPECIFIC AMOUNT. XXXX. COURT! About a year or more after this company for management went out of business, this COLLECTION agency seems to have purchased docs and are trying to EXTORT the amount for entire lease which is not legal. When there is a court judgement for specific amount. The COURT has said this. We have spoken to COLLECTION company who is EXTORTING us and keeping this on our credit report many times and sent them the court order. They REFUSE to remove. At this point, the debt is over 6yrs old! From the ORIGINAL timing not the time they purchased papers. We want this removed or at the very min for this amount to be what is CORRECT BY COURT!! We moved in XX/XX/2017!! Again the amount the COURT ordered was paid. There should not be a way a COLLECTION company can purchase paperwork and try to charge you nearly XXXX for time you DID NOT LIVE at a complex!!!! The debt collection agency is XXXX XXXX and XXXX. - original creditor was XXXX at XXXXXXXX XXXX.
Product: Credit reporting or other personal consumer reports

My rights have been violated as I did not provide written permission to the creditor to include any information on my credit profile, in accordance with 15 USC 1681b2. Furthermore, their actions appear to constitute Aggravated Identity Theft under 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used my means of identification without lawful authority, which is a felony punishable by up to XXXX  years of imprisonment, in addition to potential civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. There is a very old account that continuously reports on my credit file with XXXX XXXX XXXX ( account number XXXX ) and it's past the statutes of limitations and needs to be deleted immediately.
Product: Credit card or prepaid card

Good Afternoon I get credit card with barclaycardus bank in  XXXX   2017 with  0 % introductory APR for the first fifteen billing cycles after the account is opened. and they started charging me fee in  XXXX     2017 I   tried to solve this issue with the bank and they are not able to help me link below :   XXXX   XXXX   XXXX   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XX/XX/XXXXshows XX/XX/XXXX, XX/XX/XXXXshows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : US DEPT ED Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : USDOE/XX/XX/XXXXAccount # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It is Transunions duty according to the FCRA to report correct and accurate information on my credit report and file. They are not. Transunion is reporting an inaccurate late payment for the XXXX XXXX account ending in XXXX. This is a 30-day late payment posted on XX/XX/2022. This is incorrect and is required to be reported as PAID AS AGREED. 
Also, in accordance with 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does not contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. Reporting the inaccurate late payment results in Transunion violating my federally protected consumer rights. 
Additionally, I did not give Transunion written permission to furnish these inaccurate late payments on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card or prepaid card

I Have Received 13 Emails Since XX/XX/XXXX And As Recently As Yesterday Telling Me That I Can Save .XXXX/Gallon On My Next 5 Purchases when I use the Shell credit card. When I Purchased Gas On XX/XX/XXXX I Didn't Get The XXXX/Gallon Reduced Price And I Tried Two Different Gas Stations. I called the Shell and they blamed citi bank, the credit card company for Shell. Everyone 's blaming someone else but I received these emails from Shell telling me I can get XXXX/gallon off my next 5 gas purchases when I use the Shell credit card. I attached a copy of one of the emails I've been receiving
Product: Credit card or prepaid card

On XX/XX/XXXX, I received an email from Citi Advantage stating that I missed my payment due date. Surprised, I logged into my account to submit a payment than same instant. This account has never been late, and I was surprised my autopay was removed. Since then, I have received daily emails stating " You missed your payment date ''. I have a payment confirmation email from Citi and my bank, but I'm still receiving these emails that I find to be harassing.
Product: Debt collection

On the  XXXX  of  XXXX  this year, we turned in our    2014 Nissan Pathfinder to the dealer we bought as we can no longer can afford the payments. Nissan motor acceptance corporation  is still expecting payments and keeps calling, sending pass due and will not acknowledge that we no longer have the auto and thier dealer does.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I saw an account that is not mine. Its XXXX  XXXX. This account loan was not opened by me. This is identity theft. No one contacted me to open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. Please take off my credit reports. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a letter to Equifax, XXXX, XXXX stating the below actions that needs to be taken and i did not receive a reply. 

To someone who can assist me. I am deeply disturbed about the erroneous things that i see on my credit report. These accounts are unverifiable, invalidated, inaccurate and questionable. These items must be removed if the information being reported is not 100 % accurate. Please find out why these inaccurate information is being reported on my credit report and find out who the inaccurate information belongs to. Can you correct this wrong doing immediately. It is my understanding that you will do an investigation immediately. I am requesting a new credit report that reflects the updated changes. You must complete this investigation within 30 days of receipt of this letter. According to law, unverifiable inaccurate accounts must be removed and if unable to provide me a copy of verifiable proof within 15 days after investigation, you must remove the accounts and or the information listed below. 

1. Under The Fair Credit Reporting Act This Disputed Item May Not Appear On My Credit Report If It Can not Be Supported By Any Documents/Evidence. 

XXXX Case Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Im reaching out because Equifax, Experian, and Transunion is helping XXXX XXXX XXXX  put incorrect information on my credit report related to the account below : Account name : XXXX  XXXX XXXX  Account # : XXXX The listed account was CHARGED OFF in XX/XX/2022. This account has since been updating as XXXX every single month and as you know this is a VIOLATION because charge off accounts should be dormant and have no updates in payment history following the charge off marking. Doing so also illegally updates the statue of limitations. 

Please remove the following account immediately : Account name : XXXX XXXX XXXX Account # : XXXX Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported on the Wells Fargo credit card account associated with all the information being reported on my credit report by Wells Fargo. I do not acknowledge this account as mine. Specifically, the outstanding balance and past due amount are incorrect. Upon reviewing the information, I found that the past-due amount reported exceeds the credit limit. This discrepancy raises serious concerns regarding the accuracy and fairness of the reported information. As per the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am entitled to dispute inaccurate information on my credit report. I respectfully request that Wells Fargo Card Services take the following actions : investigate the account to verify the accuracy of the past due amount reported, considering that it exceeds the credit limit ; correct the inaccurate information if the reported past due amount of {$1800.00} is indeed an error, and update all records and credit reports to reflect the correct balance ; provide a detailed explanation if the past due amount is accurate, along with documentation supporting the validity of this balance. According to the FCRA, XXXX XXXX. XXXX, Wells Fargo is required to investigate disputed information within 30 days and correct any inaccuracies found. Additionally, under XXXX XXXX. XXXX ( Section XXXX ), furnishers of information to consumer reporting agencies must promptly correct and update information found to be incomplete or inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, I am entitled to request validation and verification of the debt. For all such issues in dispute please remove this account from my credit report. I trust that Wells Fargo Card Services will address this matter promptly and ensure that all records accurately reflect the status of the account. Please provide a written response to my dispute within the legally required timeframe.
Product: Checking or savings account

I set-up my Direct Deposit from my Bank account at XXXX ( XXXX XXXX XXXX ) over to My Checking account at Wells Fargo and fund were not received to access by XXXX XXXX
Product: Debt collection

Executive Summary : XXXX XXXX XXXX XXXX ( XXXX ) never submitted the insurance claim as per their responsibility to XXXX XXXX XXXX XXXX XXXX Furthermore, XXXX failed to provide the proper XXXX and procedure codes as required by law to the patientXXXX XXXX billing is incomplete, potentially fraudulent, and non-compliant with XXXX XXXX XXXX responsibilities. 
Background : The dispute with SCA Collections as an agent of XXXX XXXX XXXX ( XXXX ), as an agent of the XXXX, concerns account XXXX. There is a balance due to XXXX via XXXX of {$950.00} for issue exams performed on XX/XX/XXXX at XXXX XXXX XXXX in XXXX XXXX. 
On or about XX/XX/XXXX, the patient was admitted for a XXXX  under the care of XXXX XXXX XXXX. During the procedure lab evaluations were performed. On XX/XX/XXXX, XXXX as the billing agent for XXXX provided a statement of {$950.00} Balance Due without explanation. On XX/XX/XXXX the patient contacted XXXX and was told that they needed to update his insurance information. The patient complied. 
On XX/XX/XXXX a new statement arrived without change. The patient contacted XXXX on or about XX/XX/XXXX to determine if there were issues that still needed to be resolved. He was told that XXXX needed to update is insurance information again. At that time both the XXXX representative and the patient confirmed the correct information. 
On XX/XX/XXXX, the patient received a collection agency referral to SCA Collections and immediately contacted SCA to explain the issue. The patient was advised to contact XXXX to resolve the issue. During this time, the patient offered to submit the insurance claim himself due to the incompetence of the service provider. 
On XX/XX/XXXX, the patient was sent an updated bill. The patient submitted the claim with the new medical codes. XXXX, returned the claim to the patient by XX/XX/XXXX with a note that the codes were incomplete as per the medical records requirements from XX/XX/XXXX mandating XXXX compliance. 
On XX/XX/XXXX, the patient supplied written notification to XXXX Collections of the dispute. On XX/XX/XXXX, XXXX XXXX provided the paent with the exact same updated bill with incomplete billing and coding informaon and insisted on payment. 
On XX/XX/XXXX, the patient immediately contacted XXXX to specify that the bill was incomplete and noncompliance due to the missing XXXX medical codes. This was followed up in writing to XXXX. On XX/XX/XXXX, XXXX sent another letter attempting to collect for the provide APG and their agent XXXX. The patient sent another written correspondence agreeing to make payment when the bill was corrected. 
On or about XX/XX/XXXX, XXXX added a derogatory statement to the patients credit report. The patient agrees to pay when an accurate bill is delivered and if it is within the window for insurance reimbursement due to the incompetence of the Provider, the Billing XXXX, and XXXX Collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to XXXX and TransUnion 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 ) XXXX and TransUnion 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 and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Debt collection

I rented a car from XXXX XXXX. It was for two weeks in XXXX while in XXXX. 
I checked the car back in. And later found that they had billed my credit card a larger amount under XXXX instead of XXXX 
The rental agreement was with XXXX. And it was for a lesser amount. 
I have disputed this with my bank. And file a claim. And XXXX. Continues. To bill me. Saying it's a legit charge, but I never signed anything with XXXX. 
Every time I call the corporate Office for XXXXt and XXXX, I get told the systems are down or they can't help me and it takes up to 30 days to hear back and it has now been almost 60 days and I still have no resolution. 
My bank chase has not been helpful in this situation either. 
Enclosed is a copy my original rental agreement, which is all I wanted to rent. 
{$430.00} is the original agreement and price.
Product: Credit card

Care credit is trying to charge me interest on a paid card. I contacted them to pay the balance before my XXXX  month promotion was over. 
I contacted them about the balance and they said it was only a XXXX  month promotion. That is not what I was told when signing the contract at the dentist office where I applied for credit. I was told it was a XXXX  month promo. 
I called care credit and explained and asked for a copy of the contract. They claimed it was only XXXX  months and I had to call the XXXX  office. I did not sign a contract with the dentist it was with care credit. 
they refused. 
I asked to speak to collections and made an agreement and payment of the balance without the extra interest fees. 
The balance of money owed was {$1800.00}. I settled with the collections by making that payment and then they refused to remove the interest I was NOT to be charged. I payed it off within the year. 
They send me several letters and call me all day long. 
I have talked to them and they refuse to take the interest off and keep charging me late fees. I paid the balance with credit card collections and they continue to charge me interest only.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act.. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 USC 1681 section 602 A States I have a right to privacy. 

15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instruction. 

15 USC 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. 

Delete immediately and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



1. Account XXXX : XXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 2. Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 4. Account name : XXXX XXXXXXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 5.Account name : XXXX XXXX Account Number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 6. Account name : XXXX XXXX XXXX  XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 7. Account name : XXXX XXXX Account numberXXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 8. Account name : XXXX XXXX XXXX Account number : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 9. Account name : XXXX XXXX Account XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation XXXX. Account name : XXXX Customer number:XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 11. Account name : XXXX XXXX Account number : Delete this account immediately, unless you want to pay {$1000.00} per violation 12. Account name : true accord account number is : XXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 13. Account name : XXXX XXXX XXXX XXXX AccountXXXX Delete this account immediately, unless you want to pay {$1000.00} per violation 14XXXX XXXX XXXX  XXXX XXXX account number : XXXX
Product: Credit card or prepaid card

Received CC from Capital One in XXXX XXXX, with {$300.00} limit, charged {$340.00} by middle of XXXX. 
I made an earlier than required {$50.00} payment on XXXX XXXX, XXXX, from my XXXX XXXX account, from my actual funds on deposit from my Social Security ACH deposit, not from any funds of XXXX, bringing the balance down to {$290.00} by Statement of XXXX XXXX, XXXX. 
On XXXX XXXX XXXX, I was desirous of receiving funds from my Brother and my Sister-In Law, in California and inquired of XXXX as to how such a transfer might be accomplished, though I was informed that no such avenue existed if the sender of funds did not posses the same kind of XXXX card ( XXXX ) as opposed to any other type of XXXX card. Since my Sister-In law has XXXX XXXX Bank account ( s, ) not Capital One or a XXXX XXXX, I called Capital One to inquire as to how such a transfer could be accomplished and was informed by their CSR as to the process and the transfer time and dates of posting of the anticipated {$300.00} transfer. 
I emailed the CSR 's instructions to my sister-in-law XXXX/XXXX/XXXX at XXXX CDT : " CALL XXXX and give them my account number XXXX XXXX XXXX XXXX exp XXXX CVC XXXX stating that you wish to send {$300.00} ON A ONE TIME ONLY basis and then supply them your routing number and account number, none of which discloses to me. 

If you do this before XXXX XXXX, i am told, the transfer should be compete by tomorrow morning. 

Call me back if any questions. '' Thereby a {$300.00} payment was applied to my account on XXXX XXXX, XXXX, which cleared on XXXX XXXX, XXXX, bringing my balance to - {$0.00}. Upon clearance of payment Capital One decided to put a ten day hold on the payment, rendering my available credit as XXXX, for some unexplained reason, except that such payment, made by a blood by marriage relative, the wife of my older brother, who is a well known XXXX XXXX in XXXX California, and who is also, as I, an XXXX XXXX, was considered as sufficiently suspicious to require such a hold which would literally close my access to well deserved credit, and absorb the entirety of an amount of money needed for various purposes at the beginning of the month and denigrating my Credit Score,  which is partially determined by existing AVAILABLE CREDIT, while Capital One states that such available is presently XXXX when the account is fully paid and the original credit line should have been restored upon such fully satisfactory payment, made according to instructions provided by Capital One. " What 's In your wallet? ''
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 lagging postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account.
Product: Credit reporting or other personal consumer reports

I filed a dispute with XXXX I received a response stating that their investigation proved the accounts as belonging to me but I submitted documentation proving I was incarcerated at the time the account were opened
Product: Credit reporting or other personal consumer reports

I am a victim of several data breach and there are multiple accounts on my credit report that needs to be removed. 

XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX