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

Experian and XXXX = Recently had a breach and personal information was leaked out by inside employees. I would like my Credit information of any and all Collections and Charges offs and late payments removed due to the Credit laws and Federal Guidelines. These Credit Reporting agencies have put my personal credit in danger by denying lines of credit along with my business lines of credit in danger. 

Experian My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent Still has more than XXXX address listed when I requested the others are wrong and should be removed, I have sent t

hem my SSN card and Driver 's lic as requested. 2. Two fraudulent collections are currently on my credit report. I would like signed proof from both accounts with my signatu
re giving the right to enter private wrongful information concerning me without my written permission. a. XXXX XXXX XXXX ACCT # XXXX is the first four numbers condition : closed. XXXX XXXXXXXX XXXX XXXX ACCT # XXXX. I have several listed accounts that are also closed and I requested per federal reporting laws should not be listed because they too have no written approval from me. XXXX XXXX  Acct XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX Acct # XXXX - XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late. 

XXXX My one and only correct address is XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Federal laws and guidelines have 30 days to remove. 
Still has more than one address listed when I requested the others are wrong and should be removed, I have sent them my SSN card and Driver 's lic as requested. 
XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX Acct # XXXX XXXX : My current employer is listed wrong still- has my wrong address XXXX XXXX XXXX XXXX, XXXX XXXX - My one and only correct address is : XXXX XXXX XXXX - XXXX XXXX Georgia - XXXX any others a fraudulent! Within 30 days should be removed. I have sent them my SSN card and Driver 's lic as requested. XXXX XXXX XXXX Acct # XXXX is providing personal information that I did not give them written permission along with proof I was late along with proof they have provided me with late payment charges in writing that they gave me prior knowledge. XXXX XXXX  Acct # XXXX XXXX XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is in regards to the Equifax breach in 2017, I am trying to freeze my XXXX year old 's credit. I can not get a copy of his free credit report online because he is under the age of XXXX. I can not file to freeze his credit with the three credit reporting agencies online. I have to obtain on these special documents ( my driver 's license, his birth certificate, my SSN card, copy of my birth certificate, ect ) and mail them into the credit reporting agencies. I do not feel comfortable making copies of all these private documents putting them in an envelope labeled to each specific credit reporting agency. What if someone opens this piece of mail with all my personal information? This is not my fault this has happened. This shouldn't be this hard to put a freeze on my child 's credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  # XXXX is reporting an account to my credit that is not mine. I have a mixed file and this account does not belong to me and needs to be removed off of my credit report.
Product: Student loan

On XX/XX/XXXX I made a payment to pay my loan in full. The pay off amount as of that date was {$570.00}. {$570.00} was debited and posted from my bank account on XX/XX/XXXX. The loan pay off has still not posted to my EdFinancial account and the loan is still accruing interest. I emailed and called the company and they said that for the first XXXX  days after a loan is disbursed, payments made are applied as cancelation payments. However, this loan was disbursed on XX/XX/XXXX and paid off on XX/XX/XXXX, which is a longer time period than XXXX  days, so this rule does not apply. The representative on the phone told me it will take XXXX business days for the payment to post on EdFinancial, but the money has already been debited and posted on my bank account and interest is still accruing.
Product: Credit reporting or other personal consumer reports

US Bank is refusing to acknowledge they have/had me as a customer. I have filed 4 other complaints. YOU WILL SEE INCONTROVERTIBLE PROOF I AM A CUSTOMER IN THE ATTACHED DOCUMENTS. If US Bank attempts ( for the 5th time ) to block this inquiry by stating " this complaint lists someone the company does not recognize as their customer '' it will be outright perjury to a Federal institution. This company has been hounding my credit for 8+ months after the statute of limitations expired AND they are lying to CFPB. CFPB, you need to do your job and hold them responsible before I have to bring this to additional courts. You will see in the images that there is XXXX possible way for US Bank to say they don't recognize me as a customer. I am only listing myself as the owner of the account and the bank. There is no possible way they are able to deny knowing me as I will include my card and SSN in this complaint. This is my last attempt before a serious lawsuit against US Bank and I will look into my options with CFPB as well for allowing this to continue.
Product: Credit reporting or other personal consumer reports

I have been going through troubling times. I haven't been able to receive any financial help through my credit due to false information reporting on my credit. This Account has several inaccuracies that relies within it and after asking to verify and remove the problem was never fixed. 
In Accordance to the FCRA ( Fair Credit Reporting Act ) 15 U.S.C. 1681, requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy Standards for creditors that provide data to agencies.

Cleary this law was not followed through, if I am STILL seeing inaccurate information on my credit reports till this day. Each of the credit bureaus is not correlating with each other and I am suffering due to incorrect and inaccurate information that is reporting, when this account was not mine in the first place. 
Inaccurate Accounts listed and the bureaus that's reporting it inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX How is this report considered accurate when the account number doesn't even match.
Product: Credit reporting or other personal consumer reports

I requested for validation of debt and your company sent me a list of statement and a fraud packet. THAT IS NOT VALIDATING THE ALLEGED DEBT. YOUR COMPANY HAS VIOLATED THE FDCPA BY FURNISHING DEEPTIVE FORMS AND COMPILING INFORMATION TO MAKE IT AS IF IT IS A BILL. YOUR COMPANY IS ALSO BIOLATING THE FCRA YOU ARE TEPORTING THIS ACCOUNT ON MY CREDIT INACCURATE AND INCOMPLETE YOU ARE A THIRD PARTY DEBT COLLECTOR WHO IS REPORTING THE ACCOUNT ON MY REPORT. HOW CAN A COLLECTION BE LATE? YOUR COMPANY IS CAUSING DAMAGE TO MY REPUTATION EMOTIONAL DISTRESS XXXX AND DEFAMATION TO MY CHARACTER. NOW I AM SIMPLY DEMANDING THAY YOU REMOVE THIS ACCOUNT FROM MY REPORT OR I AM TAKING MY CLAIMS UP WITH AN ATTORNEY TO FILE A LIGITATION AGAINST YOUR UNFAIR DEBT COLLECTION PRACTICES AND SEEK CIVIL LIABILITY AN ACTUAL DAMAGES OF {$1000.00} PER VIOLATION. PLEASE DELETE THIS ACCOUNT FROM ALL 3 OF MY CONSUMER REPORTS.
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 credit union for similar practices where transactions were settle with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

On the XXXX the company corrected the address which had DELAYED this legal letter that they sent. They decided to reopen the same day. The very next day after opening the claim the specialist remarked it with the same reason stating that I replied to them with the required documents late. Their document to me, had the wrong address on file it was missing my apartment number which caused a delay in their mail.
Product: Credit card or prepaid card

I am writing today in regards to my account with Capital One account # XXXX. The purpose of writing is in regards to the late payment which is showing on my report in XXXX XX/XX/2020, due to Covid I was unable to make the payment in XX/XX/2020. As soon as I was able to, I got my payment made and caught up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr background check Verify My information isn't correct at all, and this lead to I can not work for any transportation services, I request from Checkr company to investigate and remove this error from my driving history record, but Checkr background does not fix this problem till now
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX ON XX/XX/2021. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but XXXX XXXX XXXX took cash. The finance charge is suppose to include insurance and XXXX XXXX XXXXXXXX made me purchase/include insurance separately
Product: Checking or savings account

PNC Bank and I have yet another discrepancy. Please beware everyone and sprint from this bank as quickly as possible!!! I have opted out of overdraft coverage, yet my account is overdrawn by almost XXXX. I called PNC and spoke with a XXXX or XXXX, on XX/XX/XXXX at around XXXX XXXX. She was very nice, but she did not help resolve my problem at all. I explained to her that my account was XXXX dollars and that I was confused because I have not opted in to overdraft coverage. I have screenshots showing that my account is " not opted in '' for overdraft coverage so one would expect for all of those charges to be declined. Yet PNC decides to let the overdraft swell to XXXX and I received an email message out of the blue. I always check my app and the computer version of my online banking and I had XXXX cents in my account on XX/XX/XXXX when I went to bed. The next morning ( XX/XX/XXXX ) I woke up to a message that I was all of a sudden XXXX in the hole when that was never what I saw on the app or on my computer. Mind you, it looks as if the charges that made me overdraft were not ACH charges that were going through. Why was this payment charge not declined if there were not enough funds to cover it? It was not an ACH charge. I did not opt into overdraft coverage for this reason. It looks like a slew of charges came through on the night of XX/XX/XXXX that made it become XXXX and some change overdrew. She explained to me that the order in which charges post is not the order that we see as a customer. She also told me that ACH charges go through automatically. My argument is that these charges were not ACH ( they were point of sale debits, payments, XXXX back-to-school haircut, etc. I would have NOT been spending money if my account had told me the correct available amount that I had in my account. I thought the point of having a " balance '' and " available '' on PNC accounts was so that I can see what my balance is versus what I actually have available to spend. I always see the " pending '' charges and those are usually subtracted to give me an accurate available balance from which I spend money. That was NOT the case this time! She basically told me that there was nothing they could do. I was told that I will now be charged XXXX dollars a day, every day until my account is brought back positive, for overdraft coverage that I did not opt into. I am a hard-working teacher and we only get paid once a month. There are about 10 days until payday. How am I supposed to pay XXXX ( XXXX X XXXX ) dollars in overdraft fees for coverage that I did not opt into? Please help... I am definitely closing this account asap. This is so crazy that a bank can even charge XXXX dollars a day for overdrafts- let alone for overdraft coverage that I did not opt into. I have had enough of PNC!! 
BBVA WE MISS YOU SO MUCH!!
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against XXXX regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address. I request that my current address be updated accordingly. 





Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any official document that displays my correct phone number.
Product: Debt collection

XX/XX/XXXX To whom it may concern : I would like to file a complaint against Capital One, sometime ago I owned a XXXX XXXX   credit card, a card which I had acquired through XXXX XXXX. 

While I had the card with XXXX I had no issues, I used the card, paid off the balance more than once, then I believe it was sometime in XXXX I was advised that Capital One was going to be taking over my credit card, and everything went down from there. 
Since Capital One took over XXXX XXXX, all of the stores have been shut down, I believe they went bankrupt, they closed down sometime in XXXX. 

At the time of the stores closing, I had, had a small balance owed on my credit card of {$45.00}, I ran into a difficult financial period due to medical reasons, and I couldnt pay off the small balance that was left. 

The reason for my requesting your assistance, is that, Capital One has run up the credit card account with false information, as well as fraudulent charges that I did not run up on the card. 

Capital One states, that they have charged off the account, and that they have placed the account into collections, they have placed a balance of {$360.00} into collections, and I did not run up this balance, nor did I owe it. 

Capital One is fraudulently claiming that I had ran up this {$360.00} balance between XXXX to present, XXXX with XXXX XXXX, and none of that is true. 

Prior to my making the purchase of the {$70.00} on XX/XX/XXXX on the XXXX XXXX card, there was no balance on the account, because I had previously paid off my account in full. 

Capital One is ruining my credit, by placing false account information onto my credit files, they have themselves listed on my credit files as me owing this {$360.00} that I do not owe to them. 

And they have also passed on this false account information to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

So on my credit files I have both Capital One, and the collection company XXXX XXXX XXXX listed on my credit files, as both of them charging me for this same {$360.00}. 

So I have two live collections for money that I should not be owing to Capital One, so my credit is being dinged twice by both Capital One, and XXXX XXXX XXXX 

How unfair that is, that they want to charge me for money that they have run up onto the credit card account, and then turn around, and Capital One charging me on my credit files, ruining my credit, as well as drastically lowering my credit score. 

Then they give this same fraudulent information to a XXXX XXXX XXXX, and they too without verifying anything with me, they turn around and also ruin my credit rating and, credit score for money that I should not be owing to Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a Closed XXXX account on my credit file that does not belong to me and appears to be Fraud, I have contacted Experian several times and spoke with XXXX to have the Closed Charge-off XXXX Fraud account disputed, investigated and removed,. Experian continues to deny and initiate a dispute or investigation for this Fraud account. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on ones credit file. I did not Open an account with XXXX or any one whom may be collecting on their behalf. I did not agree to any documents, i did not sign any agreement with XXXX, I did not give authorization to XXXX or any creditor to open an account in my name. Under the FCRA Experian must open an investigation and must dispute and remove any inaccurate or unverified information on my credit file.
Product: Debt collection

I got unrightfully evicted in XX/XX/XXXX. I owe about {$4100.00}. First of all, the apartment place I lived charged me extra charges for missing keys and such I never had, so Ive been wanting to dispute all of it. 

To start out with Procollect ; I called on XX/XX/XXXX about 3 times in under 4 hours. In this time I got several different responses by different people. They told me I could get the debt taken off my credit report if I called back on the same day before XXXX. 

I then proceeded to hang up and get my payment ready and called again. A different person answered, I went over the information with her and she proceeded to tell me it is not in their power to take it off my report. So I didnt pay AGAIN. I hung up went to the bank and transferred money again. 

I then called a 3rd time because money was all set up and ready to pay, this person tells me my card is declining, I have until XXXX on this day to call back and get it taken off my report. 

This was all under 4 hours. The first person I called gave me until XX/XX/XXXX. Second person I called gave me until XX/XX/XXXX and the last person I called gave me until the night of XX/XX/XXXX. Every time I called they gave me one less day to pay as well. 

The last person I spoke with was also very rude and hung up the phone when I was asking questions about the credit report.
Product: Credit reporting or other personal consumer reports

I filed a Bankruptcy XXXX XXXX in XX/XX/XXXX, at US Bankruptcy Court - XXXX XXXX XXXX Case number XXXX ; on XX/XX/XXXX, I received an Order of Discharge Letter from the Court, and contacted XXXX XXXX XXXX, Bankruptcy Department explain what had happened and I wanted the bank to begin reporting the payments it was making on the mortgage loan number XXXX from XX/XX/XXXX, XXXX, since they had reinstated my loan and I had begun making my monthly payments since XXXX XXXX specialist from XXXX XXXX XXXX Bankruptcy Deparment named XXXX , told me me not to worry, that the next day the system would update all the information because they already had the discharge order letter from the court. I waited one mores week and nothing happened, on XX/XX/XXXX, I called again, and spoke with a person named XXXX, and she told me that the XXXX XXXX XXXX  had no obligation to report my loan payments to the different credit bureaus and that was the case as it happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft and dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts and information that I did not open and have no knowledge of. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  XXXX XXXX Balance : - XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Credit card or prepaid card

These are my deposits to my card from XXXX but Bank of America says my card is closed. 
XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX XX/XX/2021 XX/XX/2021 XXXX