23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On Friday XX/XX/2023, I was called by ABC Fitness Solutions 3 times in a row between XXXX XXXX XXXX  time. Not only has this company harassed me, but they violated my right. A debt collector can not call before XXXX or after XXXX. They will not let me cancel my membership for XXXX XXXXXXXX XXXX XXXX XXXX because they said I have a balance.I have not worked out at this gym.
Product: Debt collection

I received a missed call from IC Systems regarding a collection account. I returned the call to gather some information from the agency. Upon contact with the agencyi was treated like the scum of the Earth. I simply requested validation of the debt from the agent and was told it was previously sent out. I asked how could it have been sent if this was my first contact with the agency. The agent proceeded to inform me validation was sent on XX/XX/2017. I advise the agent I had n't received any communication from their company and again this was my first contact. I informed the agent whatever she claims was sent was the first notice NOT validation of the debt. I also informed the agent I have a right to request validation of the debt and by law the agency had to provide it. The agent became very argumentative and upset. I then requested to speak with a supervisor and the agent hung up the phone. The phone call requesting money for an unknown debt after knowingly sending out a notice that i have not received is a violation of the FDCPA ; clearly overshadowing..
Product: Credit card or prepaid card

I tried filling out a travel notice before my trip to XXXX, but was told on their website that they don't do that because of their superior fraud detection capabilities. 

I was in XXXX trying to make purchases for domestic flights within XXXX for {$250.00}. During the checkout process, Wells Fargo said we sent a code to your [ US ] phone number due to their superior fraud detection capabilities. Since I was abroad, I didn't have access to my US phone number. I had to use another card from a bank where I was able to issue a travel notice.

I contacted customer support and was basically told " too bad '' and they provided me no way to get around the text code for future purchases abroad.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history with capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


EQUIFAX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Account XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) been reporting inaccurate information on my credit report for a long time and TransUnion failed to conduct a thorough investigation on the information being report. I do not recognize this account nor do I recall opening an account with the furnisher/credit. The following are missing/inaccurate informations being report as follow... 

" Account type, Account credit type, Incorrect date opened, loan/credit amount, payment status, past due amount, date of last activity, and date of last payment, incorrect and incomplete reporting 2-years payment history '' I demand these informations be investigated for accuracy and corrected as immediately.
Product: Credit reporting

THERE IS ANY INQUIRE ON MY CREDIT REPORT THAT THE COMPANY TOLD ME THEY WOULD REMOVED BUT THEY STILL HAVE NOT DID SO AFTER 90 DAYS
Product: Credit reporting, credit repair services, or other personal consumer reports

not mine/no knowledge of negative charge off accounts on my credit report
Product: Debt collection

All my debt to XXXX Hospitals were paid in full in XX/XX/2017. Verifying my credit score recently I see a debt of {$100.00} sent to a collection agency, debt that is not owned by me as all the invoices were paid in XX/XX/2017 by my insurance company and the remainder amount by credit card. I have to mention that no invoices were received after the full amount was paid, therefore this {$100.00} shown is an absolute error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report contains inaccuracies and other items from people ( establishments ) I've never heard of.
Product: Credit card or prepaid card

I applied for a chase sapphire preferred credit card that offered a promotion of XXXX .iles after spending {$4000.00} the first XXXX months. Upon receiving the card, and after they ran my credit, they changed the promotion to XXXX miles. I have asked then to honor the promotion they advertised when I applied but they will not. I then asked them to cancel the card, and reverse the credit inquiry, and they will not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This involves all 3 bureaus ( Equifax, XXXX, and XXXX ) as well as the furnisher of inaccurate information ( XXXX XXXX XXXX  ) On numerous occasions, I have filed disputes with all 3 bureaus listed regarding the inaccurate reporting of an account that is not mine. 

XXXX XXXX XXXX  XXXX I have asked for this account to be removed, yet it was inaccurately verified as accurate on all occasions and remains on all 3 reports.

It is not possible for any of the 3 bureaus to report this account accurately when each one has reported discrepancies with the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, Account Status, and last Payment. I will attach proof of these reporting discrepancies. This alone is grounds for removal I must also point out that my rights are being violated under 15 U.S.C. 1681 section 604 A Section 2 : This section clearly states that a consumer reporting agency can not furnish an account without my written instructions. 

I have not given written permission to XXXX, XXXX, or Equifax ( consumer reporting agencies by definition ) to report this inaccurate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXXXXXX Account Number : XXXX Delete From My CREDIT REPORT 2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account number XXXX has violated my rights and it has code 15USC1681 Section 602A, states I have the right to privacy. 15USC1681 section 604A Section 2, also states a consumer reporting agency can not furnish a accounts without my written instructions. 
Acct # XXXX XXXX XXXX XXXXXXXX openXX/XX/2016XXXXhg off/closed XX/XX/XXXX shows activity XXXX XXXXXX/XX/XXXX shows XXXX XXXX  XXXX co/co/co shows a pmt of {XXXX} XXXX XX/XX/XXXX XXXX On transunion shows different date closed XX/XX/XXXX. Amt owed {$XXXX} this is not my acct. The same acct also shows as a XXXX XXXX XXXX XXXX # XXXX status date XX/XX/XXXX owe {XXXX}. This is incorrect information and a violation fo the law. This is not my acct. please remove from my file. XXXX # XXXX open XX/XX/XXXX chg off/closed last pmt. XX/XX/XXXX closed XX/XX/XXXX chg off/closed Owe {XXXX} this is not my acct. XXXX # XXXX Open XX/XX/XXXX chg off/closed last pmt. {XXXX} XX/XX/XXXX pmts. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX of {XXXX} and closed XX/XX/XXXX this is illegal these dates are bogus. XXXX # XXXX shows XXXX XXXX XXXX open XX/XX/XXXX not my acct. Inquiry XX/XX/XXXX XXXX  not mine I did not authorize this. Please remove these incorrect items from my file. It's causing harm to my credit life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 and XX/XX/18 ; I requested by certify letters to each of the 3 credit bureaus demanding that they provide " verified proof '' of the following creditors on my credit report : ( 2 ) XXXX XXXX XXXX ; ( 3 ) XXXX XXXX XXXX ; XXXX XXXX ; XXXX ; XXXX ; XXXX  ; and XXXX XXXX. These accounts are all reporting an inaccurate payment history status. As of this date, XX/XX/2018 ... either of the bureaus has " NOT '' provided me a copy of any original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Therefore, I'm requesting promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and remedy available to be Section 616 & 617 if they fail to comply with Federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SUBMITTED PROOF TO 3 CREDIT REPORTING AGENCY 'S THAT COLLECTION AGENCY XXXX XXXX XXXX WAS REPORTING FALSE INFORMATION TO ALL 3 CREDIT REPORTING AGENCY 'S THE DEBT WAS PAID I DO NOT OWE ANY DEBT TO XXXX XXXX XXXX I HAVE TRIED REACHING OUT TO THE 3 CREDIT BUREAUS AND THEY REFUSE TO REMOVE NEGATIVE REPORTING FROM CREDIT REPORTS
Product: Credit reporting or other personal consumer reports

XXXX I opened a dispute for a collection account that keeps being re-aged on my credit report. The dispute returned as verified that the debt is valid. 
I disputed it again after asking the company for validation of the debt, they verified and changed the amount from {$3000.00} to XXXX Made a complaint with the Arizona Attorney General 's Office, and the company finally sent validation of the debt. The date of the original debt is past the 7-year statute of limitation and should be removed from my reports. They have refused to remove the outdated information.
Product: Credit card

XXXX XX/XX/XXXX : I contacted USAA to dispute their practice of burying a higher interest rate balance beneath a lower interest rate balance on my credit card in violation of the Credit Card Act of XXXX. USAA claims that because the balance was a cash advance, that they are not beholden to the rule of allowing consumers to pay off higher interest rate balances. USAA also opened a complaint for me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting several accounts with incorrect payment history as well as incorrect dates of the first delinquency. I disputed these accounts through my online account on XX/XX/2021. Experian " updated '' these accounts but the payment history and dates listed remain incorrect. These accounts were never marked as disputed as evidenced by the credit report dated XX/XX/2021 which is a violation. I tried to dispute these items again but have been unable to because the website does not allow it. I wrote an additional 609 letter to Experian requesting additional info. I have not received anything as of yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$32.00} on a XXXX party website to receive my Equifax report, considering that Equifax has locked me out of my online account for almost 2 years, and I have a security freeze as well. I received my credit report and clearly, Equifax has violated FCRA 15 USC 1681 and 15 USC 1681b in multiple ways and on multiple occasions. Citing 15 USC 1681b ( a ) subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other In accordance with the written instructions of the consumer to whom it relates. Equifax repeatedly provided multiple credit reports to the agencies/finance companies listed in the attached letter mailed via certified mail today # XXXX XXXX XXXX XXXX XXXX. In XXXX of 2022, I experienced a home invasion and theft of all identification documents in my wallet. I put faith in the security freeze ; however, based upon these hard inquiries Equifax has largely ignored my requests. Previously, I have disputed over XXXX hard inquires on my report with a credit freeze. My previous complaints document those disputes. I never gave my express consent to furnish any credit reports to the list of hard inquiries. Additionally, according 15 USC 1681 clearly sets out that credit reporting agencies inaccurate information greatly affect the consumer. Equifax has denied access to my credit report and insists on reporting inaccurate information. The attached demand letter has been mailed to Equifax today via certified mail. I am attaching screenshots that reflect that I am barred by Equifax from viewing my credit report. Repeatedly, Equifax has responded to me that they will get back to me within 60 days and there has been XXXX resolution. They responded to CFPB Complaint # XXXX that the logon issue was resolved which was misrepresentation, based on the next CFPB Complaint # XXXX. 
I am a XXXX yo female widow, and Equifax has damaged my reputation, my ability to rent an apartment, by abject neglect of their FCRA duties for fair dealing and good faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not have a credit score and report with Equifax and am unable to even create an account to even submit a dispute about it. I have called the support center multiple times and they tell me to mail documents that prove my identity. Each time I send the documents, I receive a response saying that either I did not send enough documents to prove my identity or that they could not find any credit history on me. 

There have been no issues getting credit scores and reports from XX/XX/XXXX and XX/XX/XXXX. When my last name changed, there were no issues updating my social security and passport. Thus, I know that I have the correct identification and I do have a credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax inadequately secured my personal information and my personal data was obtained by malicious parties which endangers my financial situation. I am at risk for identity theft and fraudulent activity by others as a result of this security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the Pandemic I had two credit cards with XXXXXXXX XXXX XXXX. One card was opened in XXXX XXXX and I had one late payment in XX/XX/XXXX. The other was opened XXXX XXXX and had 3 late payments XXXX, XXXX and XXXX of XXXX. I live in a state where we were shelter at home and I was told no late fees or credit reporting would happen during this time of the Pandemic. After checking credit report I see both accounts reported these late payments as promised would not happen. I was surprised to see this as I was assured it would not happen.
Product: Credit card

RE : Investigation Request to Delete Credit Inquires To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason to Dispute : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.
Product: Checking or savings account

I am a 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 funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I am formally addressing a serious issue regarding identity theft that has directly affected me. Recently, I discovered that several bank accounts have been opened in my name without my authorization. This situation has caused significant distress and has raised serious concerns about my personal information being misused. 
I want to emphasize that I have never consented to the opening of these accounts, and I am deeply concerned about the impact this fraudulent activity has on my financial well-being and personal reputation. It is imperative that these accounts be thoroughly removed from my name to prevent any further complications or damage.
Product: Student loan

In XX/XX/XXXX I made payment arrangements with Navient to resolve my loan balance. I was told that if I paid {$100.00} per month for 12 months that my loan would be considered paid in full. I called Navient in XXXX XXXX because the automatic withdrawals were still occurring. 

When I called in, the representative congratulated me for paying off my loan and assisted me with stopping the automatic withdrawal. Everything was quiet until late XXXX when they started calling and stating that I still owed money and continue to try to collect, which in turn is damaging my credit report. 

They're stating the calls that I made did not exist when I asked them to pull the phone calls. I believe inaccurate information was given and recorded. I was treated very poorly when trying to resolve the situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX shows a hard inquiry on my credit report on XXXX and that is incorrect. I only ran my credit on XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # XXXX updated XX/XX/XXXX last payment XX/XX/XXXX. Current up to date asking for late payment XX/XX/XXXX be removed. I am currently in good standing with this company.US Dept of Education # partial acct XXXX XXXX Please remove fraudulent. One account already deleted due to Fraud. Last date updated XX/XX/XXXX. This is also a 3rd party creditor. I did not authorize. XXXX XXXX XXXX # XXXX to be removed it is charged off. XXXX XXXX XXXX # XXXX to be removed it is in collections 3rd party creditor. I did not authorize. According to the F.C.R.A.15 U.S.C ( a ) 4 states There is no need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy.
Product: Credit reporting

XXXX XXXX cancelled my credit card due to " number of accounts with delinquency '' : I had XXXX 30 day late due to failure to receive a statement. Account was paid off and closed. " Too many inquiries in the last XXXX months '' : there was only XXXX inquiry, from the company I had not received a statement from.
Product: Debt collection

I paid XXXX XXXX {$1700.00} to settle the debt collection of {$2900.00} on the date of XX/XX/2025. National Credit Adjusters is the parterning company listed in my credit reports for this XXXX debt.
Product: Checking or savings account

Navy federal charging overdraft fees even though i have oops protection
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentially under U.S.C 1681.

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy.

These addresses and phone numbers do not belong on my credit report. 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not satisfied with the result I got from my Experian report. There are so many errors and incorrect information reported which I had previously included in my written letters. I requested for this incorrect information to be removed but no action has been done. Considering that they neither reached out to me nor submitted any kind of proof to justify their result. This time, I am asking for you to help me to have this incorrect information removed or have anyone from Experian contact me about the status of my concern. Here is the incorrect information that I am trying to dispute : XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX Updated : XX/XX/2022
Product: Credit reporting

I checked my credit score on CreditKarma.com and it says that I have a derogatory mark on my credit from verizon for XXXX in XX/XX/2013. This is my XXXX time checking my credit in a while. I have never had a verizon account nor do I owe anyone 2400 dollars.