23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have an agreement in place with XXXX XXXX XXXX ( XXXX ) to payoff my Sam 's Club Discover credit card with monthly electronic fund transfers from my personal checking account. I 've covered all monthly payments, as agreed, starting XX/XX/XXXX. In XX/XX/XXXX, notice the latency, I received a letter from XXXX to " collect a debt '' and discuss payment options that I ignored because we already have an agreement in place with XXXX covered payments. XXXX disclosed the debt to credit bureaus, according to XXXX, to " report payments ''. Due this action, my credit score took a dive of XXXX points. XXXX is unethical because they disclosed false information to the credit bureaus and tried to brainwash me explaining this was actually " helping me ''. XXXX, explain to me why after XXXX payments, with no missing payments, you report the debt to the credit bureaus? After 3 years? How lame.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
Recently the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumers disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Reinserting previously disputed and inaccurate information without explanation. 
Conducting inadequate investigations that fail to address consumer dispute properly. Failing to notify consumers about investigation results effectively. 
These allegations highlight systematic issues that directly undermine consumer protections and perpetuate the inclusions of inaccurate information on credit reports. I am Deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit card or prepaid card

Bought an item at XXXX XXXX using a new comenity bank credit card on XX/XX/XXXX I had purchased roughly $ XXXX in fishing gear. I paid {$200.00} cash leaving roughly {$90.00} on the card I do bot have exact amounts on hand but can find them as needed. I went to make first payment XX/XX/XXXX website wouldnt let me register my card. Kept saying there was an issue. Tried the next day and got the same thing. Then the next day a message on the site says regular maintenance shut down been this way ever since, been trying to pay by calling and could finally pay tonight XXXX on a quick pay option, was charged {$32.00} in late fee, and will likely ding my credit as I dont fit into their XXXX message. my issue is they have a new message saying that they will not ding credit and charge late fees for XXXX. Ive been trying to pay since the XXXX. Also they say my payment was due the XX/XX/XXXX which I had gotten the card XX/XX/XXXX. That is not a month, I could not register my account, maybe already registered account holders could sign in and pay till XX/XX/XXXX but I, a new card holder was unable to register my card. I tried to register tonight XXXX and it says my card is already registered and activated which is impossible. Im extremely frustrated and have been building my credit responsibility since I turned XXXX ( now XXXX ) without one late payment and now Im scared my perfect track record will be ruined due to this issue. As a new account holder I was affected more than an account holder whoms account was registered already. I have made a {$90.00} payment as owed tonight and do not want to pay a late fee for these issues. I do not want to be charged as I was likely the first to see these issues and afraid they will hurt my credit to take my money and close the window of effected customers to a narrow XXXX which is not when these problems had first began
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available fund. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

XXXX XXXX has sent a collection to the credit Bureaus. I cancelled my policy on XX/XX/XXXX and started a new policy with XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the following information that appears on my Equifax or XXXX XXXX XXXX consumer report : I would like the following removed and or corrected on my credit report ASAP : Collection accounts to be removed as they are not correct and involved in litigation. 

XXXX XXXX XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX. XXXX XXXX XXXX This has been opened for a number of years and needs to be removed. 
XXXX XXXX This has been opened for a number of years and needs to be removed XXXX. XXXX XXXX XXXX XXXX I do not owe this due to a billing error on XXXX XXXX XXXX XXXX 



I want the following Hard Inquires removed please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

We received callous and incompetent treatment in trying to do a simple transfer of funds from our account at Citi to our account in a XXXX bank from XX/XX/XXXX to XXXX of this year. In multiple attempts, emails told us to call to validate the transfer. When we did, we got people speaking unintelligible XXXX who could not or would not validate our transfer. They told us that the transfer was pending in another division that would call us to validate it. Although we gave XXXX phone numbers, they never contacted us. They canceled all of our transfer requests over almost a week. 

Those who attended us on the phone not only spoke incomprehensible XXXX but sometimes cut us off after being unable to resolve our question, causing us to have to call again and endure another long wait. Having to ask the poor person attending the call to repeat every sentence XXXX or XXXX times was painful. 

This inept treatment caused us to delay the purchase of a new home as well as considerable stress and waste of time. Transferring funds from XXXX of our accounts to another should not be this difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has violated all my consumer credit rights. Attached, are the documents I sent them, proving the facts, and my certified mail receipt copies. I am currently waiting for their response and resolution. They have 30 days to send me my remedy. 

On XX/XX/XXXX I sent them a Cease and Desist, Invoice for violations, Affidavit of Truth, and Exhibits. 

XXXX XXXX is in violation of 15 USC 1692, 15 USC 1681, and 15 USC 1692K.
Product: Debt collection

I recently obtained a copy of my credit report and was shocked to see a collection from Convergent Outsourcing in the amount of {$590.00}. The original creditor is XXXX. On XX/XX/2020, I made efforts to dispute and remove this account from my file via credit reporting company XXXX  to no avail. I do not own this collection. This erroneous information has resulted in me being denied credit as well as less than favorable credit terms. I am filing a complaint to the FCC about XXXX to fix this issue as well.
Product: Credit reporting or other personal consumer reports

I have overlooked my credit report and it has several accounts that were opened without my knowledge or consent. I am a victim of identity theft and my consumer rights are being violated by the credit reporting agencies. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I presume that no proof exists Pursuant to 18 USC 8, I owe no debt, These companies are are violating my Right to Privacy Pursuant to15 USC 1681-B2 Company has no permission to report my information Per 15 USC 16814 . 18 USC 894, FCRA Section 611 ( 5 ) ( A ), FCRA 1681i. 
Finding this inaccurate information has caused me stress and difficulty acquiring my life necessities to maintain a comfortable lifestyle for my family.
Product: Credit card or prepaid card

I applied for the card with the welcome bonus but upon application I was told that I would not be eligible for the welcome bonus. So I cancelled the application but due to some technical glitch on AMEX 's website the account was opened anyway. I immediately closed it and rejected the account terms. I respectfully request that it be removed from my credit report because it was opened due to AMEX 's error
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. I've been filing several complaints and getting the same results. This is not FAIR!! This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX XXXX : {$360000.00} Late/Open XXXX XXXX XXXX XX/XX/XXXX Balance : {$910000.00} Late/Open XXXX XXXX XXXX XXXX XX/XX/XXXX Balance : {$650000.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$670000.00} Late/Open Inquiries in Dispute : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter in the mail today thanking me for choosing to use a Wells Fargo XXXX XXXX credit card. I have never had a credit card of any type with Wells Fargo and never will. It seems as if someone from Wells Fargo has opened a credit card account in my name and I do not appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I submitted a copy of a police report to Equifax which stated that the information on my credit file was not my information. Equifax is reporting someone else 's CLOSED reports on my file in addition to collection agency that is reporting a fraud account as well. I contacted Equifax HOWEVER they explained that they verified and updated the incorrect information without a thorough investigation.
Product: Checking or savings account

I have been a good customer with Citizens Bank for years. Last Friday, a Wire Transfer of {$1500.00} has sent out and finalized without any notification to/permission from me. I have filed my claim with XXXX Police and XXXX Banks Fraud Department. The XXXXustomer Representative of Citizens Bank stalled my request with companys Policy. I have been my money taken out without my permission since XX/XX/2021. I almost ready to move out the apartment which i have lived with my parents. Without this {$1500.00} in my bank account, i cant afford to oay any rent of my new place. I am hopeless XXXX. Please punish Citizens Bank beyond the full extent of the US Law.
Product: Bank account or service

Hi, Chase made a new policy about printing bank statements. I went to my local branch in XXXX XXXX ( though I believe it is now a company policy ), and they claimed that they will charge me {$6.00} for a monthly statement printout. I believe this is unfair, both the amount charged and the fact that they are willing to charge this amount. I am basically requesting a printout of a receipt for which they are charging me .... This is especially vexing as it is not a closed transaction. What I mean is that my bank account is always active, vs. a transaction at a store. I would like something to be done about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED TWO ITEMS WITH EXPERIAN FIRST ONE MORE TWICE THEY HAVE STATED THEY VERIFIED THE INFORMATION WITH STILL HAVING INACCURATE INFORMATION ON MY CREDIT REPORT. 

ACCOUNT # 1- FAIR COLLECTIONS & OUT 1. DATE OPEN IS INACCURATE ( I DID NOT ENTER INTO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 2. A COLLECTION ACCOUNT CAN NOT BE PASS DUE ( I DID NOT ENTER TO ANY AGREEMENT WITH FAIR COLLECTIONS & OUT ) 3. THEY ARE REPORTING A TERM OF 1 MONTH ( AS IF THIS COLLECTION ACCOUNT IS A LOAN ) 4. THEY ARE REPORTING A DATE OPEN OF XX/XX/2018 ( WITH NO INFORMATION IN THE PAYMENT HISTORY FROM XX/XX/2018 - XX/XX/2018. IT SHOWS NO DATA REPORTED ). 

5. PAYMENT HISTORY GUIDE SHOWS COLLECTION AS OF XX/XX/2018, BUT THE DATE THE COLLECTION OPENED IS XX/XX/2018. SO THE ACCOUNT WAS RE-AGED. 

ACCOUNT # XXXX. XXXX XXXX XXXX XXXX XXXX. DATE OPEN IS INACCURATEXXXX XXXX XXXX XXXXXXXX XXXX IS REPORTING THE DATE THEY RECEIVED THE ACCOUNT AND NOT THE DATE OF FIRST DELEQUNICY FROM THE ORIGINAL CREDITOR. 

XXXX. IN ACCUATE ACCOUNT NUMBER ( THE ACCOUNT NUMBER DIFFERS FROM A STATEMENT I RECEIVED. ) SEE ATTACHED DOC FOR HIGHLIGTED DISCREPANCY XXXX. EXPERIAN IS REPORTING A TERM ASSOCIATED WITH THIS ACCOUNT AS IT A COLLECTION ACCOUNT. 

XXXX. EXPERIAN IS REPORTING A PAST DUE BALANCE ( A COLLECTION ACCOUNT CAN NOT HAVE A PAST DUE BALANCE AS I NEVER ENTERED INTO A CONTRACT WITH XXXX XXXX XXXXXXXX XXXX ) PLEASE SEE ATTACHED DOCUMENT TO FURTHER PROVE THE INACCURATCIES ON MY CREDIT REPORT BOTH ACCOUNTS REFERRENCED ABOVE SHOULD BE DELETED.
Product: Student loan

Complaint against Business Name : AES American Education Services Address : XXXX XXXX City : XXXX State : XXXX Zip : XXXX Telephone Number:XXXX I took out a parent plus school loan for my son in 2006. 
Currently the loan is held by AES. 

The original amount was XXXX at 7.750 % interest rate. 
My current loan balance on the most recent statement is XXXX Total Interest satisfied is XXXX Total Principal satisfied is XXXX. 

I had to go on forbearance for a few years during the recession, my husband lost his job and we relocated to XXXX from XXXX. 
I tried to get the interest rate down when the government reduced interest rates but they would not budge. 
I called recently regarding the XXXX, XXXX amount I satisfied on the loan yet still owe close to the original amount. 
I did not get an answer other than I went on forbearance and accrued interest. 
It does not add up.
Product: Debt collection

I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you, XXXX XXXX, is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. 

XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX XXXX, is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX for the accounts opened XX/XX/year>. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you, XXXX XXXX, into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 

Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved
Product: Prepaid card

American Express delivered my XXXX pre-paid cards to the wrong address. Even though I called them multiple times to suspend those pre-paid card and reshipped the pre-paid card, they still allowed the pre-paid card to be used and refused to reship the new cards to me. Eventually, I have to dispute the transaction. However, by doing this, I was charged {$95.00} annual fee without getting the promotion points as I was past the due date to be qualified for the promotion.
Product: Credit card or prepaid card

My son used my credit card to make fraudulent cash advances. He used my phone to verify and authenticate the cash advances with out my permission and he is not an authorized user on my card. The date of the incident was XXXX and there were 2 cash advances each of {$300.00} and {$300.00} totaling {$600.00}. I explained the situation to the bank and was given credit for the amount while they conducted their investigation. I had the credit charges reversed and the Credit card issuer claimed it was me that made the cash advances even though during the 2 years I have had the card I have never made a single cash advance. I did not report my son to the police because I don't want him going to jail over this act, I hope the Cfpb can help me resolve this issue.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$340.00} XXXX XXXX XXXX - XX/XX/XXXX - {$210.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$390.00} INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Spring Oaks Capital LLC has violated my rights. 

15 USC 1681 Section 602 States, I have the right to privacy.

15 USC 1692 Section 604 A Section 2 ; it also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 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

Account has been satisfied and the creditor is going to remove the account from my credit. Due to time, the creditor said that they have no control over how long itll take the bureaus to remove the debt. The creditor sent me the deletion letter, but XXXX in the midst of buying a house and need this deleted from my account asap, not up to 90 days later. 

Please remove the attached account from my credit immediately
Product: Debt collection

I have been called continuously and harassed as to this debt where fraud was committed in my name in Georgia and i am a long living resident of XXXX XXXX XXXX. i have never had an XXXX XXXX XXXX account. I was told today i will be harassed for lack of a better term concerning this matter which is stressful. I am an elderly woman and this unwanted stress is no good to my health.
Product: Debt collection

In XX/XX/2018 I ordered a kitchen aid mixer from QVC on a payment plan. I never received my mixer. I called them to tell them that they said they couldnt send me a new mixer and to dispute it with my bank. Which I did. Now its in collections why do I have to pay for something I never recived.