23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Customer Service Department - I 'm disputing delinquent information that XXXX XXXX has reported on my Credit Report, please note this account was paid-off in full ... Therefore I am filing a dispute and requesting to have this collection account deleted from my credit report. 

- XXXX Phone Number : XXXX - Delinquent Amount : {$100.00} - Refer # XXXX / XXXX If you have any questions or need any additional information I can be reached at the number below. 

Thank you. 
XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I have a personal loan with USSA Federal savings bank, account number XXXX where I currently pay about XXXX  per month. But they charge interest to where the loan amount accrues XXXX dollars per day. I did not know this until after I got the loan. I got the personal loan one year ago and the loan amount was {$15000.00}. After making monthly payments on the loan I noticed that the loan amount went back up a XXXX dollars per day. I then called USAA about this and the lady told me that the loan does accrue XXXX dollars per day. I think this is crazy and predatory. They also refuse to refuse to get the late payment from my credit report concerning my personal loan. I fell on hard times and I am a XXXX veteran and get XXXX  at times and XXXX and XXXX and I dont feel like taking forever to pay this loan back.
Product: Credit reporting or other personal consumer reports

My credit report is showing an error with the acoount XXXX XXXX XXXX of XXXX XXXX . They are showing this account as a closed account. This is an active account with payments made and up to date. If possible, confirm with the financial institution or do whatever is necessary, but eliminate the chargeoff status, because it is not correct and it is affecting my credit. Federal law protects me and I have the right to have correct information on my credit report.
Product: Checking or savings account

On XXXX XXXX on my pnc checking account, there was a charge for {$68.00} to XXXX  XXXX  that overdrew my bank account by {$46.00}. Later that day I made a {$50.00} transfer from my savings account that put my account back into the positives at {$3.00} and pnc bank charged an overdraft fee anyways even though their policy states that if the account is brought back to positives by the end of the day, no fee will be charged. They refused to refund the fee. 
From XXXX to current day, the account accumulated XXXX overdraft fees totaling at {$3600.00}, that would not have happened if that {$36.00} fee would have been removed. If that one fee on XX/XX/XXXX was refunded, and my account balance was adjusted correctly, XXXX of those fees equaling {$3600.00} would never have happened. 
They did agree to refund XXXX of the overdraft fees totaling at {$460.00} on XX/XX/2022. However they refuse to refund the remaining XXXX fees equaling {$3100.00}. 
We are somehow expected to feed our XXXX children and pay all our bills with no money because the bank refuses to correct an error. 

When I first opened my account, the overdraft policy was never explained to me. I signed their overdraft policy thinking it meant it would protect you from overdrafting your account but it wasnt until last week when an employee explained it to me that it does the opposite. 

We are trying to get our finances straightened out and its really hard to do when the bank took all our money.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company XXXX XXXX XXXX reported wrong information to the credit bureau about missies payment Ive sent the credit bureau the documents to support my claim from the company who has agreed to remove their error and the credit bureau still hasnt done so Ive never missed a payment on such account
Product: Credit reporting

XXXX sent a removal code in to Experian on XXXX XXXX, 2016 but they did not remove the collection item from my account.
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 charging and credits. This issue aligns with the 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

O I believe XX/XX/2024 around XXXX I attempted to make an online purchase via XXXXXXXX XXXX  with my Citi card. Citi bank had out a block on my card until I could verify. I called Citi bank verified my identity Citi bank said my card was good to use I attempted to use it same thing I called and verified again once again I was told my card is good to use. I attempted to use it another time the same situation as before. I attempted this a total of 5 or six times. Citi bank has locked my account and said they were closing it with no explanation. I attempt to ask questions or ask about my funds in my account and why my account was closed when I had verified several times Citi bank hangs up on me before answering any of my concerns. I did nothing wrong and this is not right all my funds direct deposit go to this acccount and now I am suffering financially I cant pay my bills cause of Citi bank they are preventing me from feeding my children.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXX : Account XXXX XXXX XXXX : Account number : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XX/XX/year> XXXX XXXX : Account number : XXXX XXXX XXXX XXXX | XX/XX/year> XXXX XXXX XXXX Account number : XXXX your help to remove this account. 
XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and saw a debt that didnt belong to me I have reached out to Citi but they have refused to help or investigate the situation. The only information I obtained was this was a secured card with a {$800.00} credit limit but the balance is well over {$4000.00}. The address the card was issued was not any residence of mine. I wasnt even living in that state. I explained to them it was identity theft.
Product: Credit card

In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.
Product: Credit card or prepaid card

I decided to zero out the Comenity Bank credit card in XX/XX/2021 due to 1 ) not being able to use the credit card at all, 2 ) due to the outrageous amount of money I had paid for 2 fishing poles from XXXX XXXX, which was my only purchase. In XX/XX/2021, the balance was {$37.00} and there had been no additional charges. Prior to the due date or either on the due date, I was given the run around when I tried to pay off the {$37.00}, I was told I had to pay {$35.00} in store and pay the additional {$2.00} over the phone or online. So on the same day I made two payments equaling the exact amount of what was due. During the said day, I spoke with two maybe three customer service representatives and I advised that I was not happy, and that I wanted nothing more to do with Comenity Bank since my credit limit had been cut in half due to me not using the card, and secondly because I could never use the card to make any purchases only the first for the two fishing poles. After the last and final payment in XX/XX/2021, I was advised that the balance was {$0.00} and that I would be in jeopardy of Comenity Bank closing the credit card if I did not use the account/credit line. Again, I could not use the card and I was not interested in doing further business with Comenity. Fast forward to XX/XX/2021, Comenity Bank has somehow charged my {$2.00} in the month of XX/XX/2021. I was not aware of the {$2.00} charge and since then Comenity Bank has assessed two late fees in the amount of {$14.00} and it has affected my credit negatively. When I contacted Comenity Bank to inquire and resolve the issue I was told that the {$2.00} charge was assessed in XXXX and it was interest. However, this is fraudulent because I made no purchases and the entire bill was paid on/before the due date in XX/XX/2021. So there should have been no additional charges or fees. According to the 2/3 representatives I spoke with in XX/XX/2021, on the date I made the final payment, I was advised the balance would be {$0.00} and I would be in jeopardy of the account closing. So now, Comenity being the underhanded and unethical company it is has charged my account {$2.00}, fraudulently. Just to continue collecting money and harming my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 

Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 

If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below then you must remove these accounts from my credit report. 

Please provide me with a copy of an updated and corrected credit report showing these items removed. 

I demand the following accounts be properly verified or removed immediately. 

1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX   4. XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX 5. XXXX XXXX/ XXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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  Account Number : XXXX Account Name : 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 reporting or other personal consumer reports

On XX/XX/XXXX I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX, Limit $ XXXXClosed Account XXXX  XXXX XXXX XXXX XX/XX/XXXX, {$400.00} _Closed Account XXXX XXXX Credit Card XXXX XX/XX/XXXX, {$5000.00} - Closed Account XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX  Card Opened XXXX {$1000.00} - Closed Account XXXX XXXX  Opened XXXX XXXX $ XXXX Account XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX {$200.00} -Closed Account XXXX XXXX XXXX  Opened XXXX XXXX {$520.00} XXXXClosed Account
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX committing intentional identity fraud without thoroughly investigating. I received a Credit File Notice for someone who is not me and is using my information for a personal unsecured loan that I closed and paid in full without no late payments. The XXXX  's name is XXXX XXXX XXXX, phone # XXXX. I do not know this person at all. This lady is fraudulently claiming and using my U.S. po box that I am paying for on a monthly basis and I have proven documents to show that the po box belongs to me- XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is a fraudster who is trying to steal my identity behind the scenes claiming that my XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX belongs to her. XXXX did not thoroughly conduct an investigation and have listed my po box information on the above fraudster 's XXXX profile. I am going to file charges against XXXX XXXX XXXX XXXX and the bureau for intentionally allowing this thief to use my po box information without getting legitimate proof. I would like to file a complaint against XXXX. I have a monthly subscription with XXXX to prevent this issue from happening with Credit Monitoring. I am very upset!
Product: Credit reporting

Experian refuses to provide a live person to assist with purchase of credit report over the phone. I am visually impaired and their online webpage forces consumers into recurring billing platforms. I do not want this. I called and was told I would have to use automated system. I placed a fraud alert on my account and still these agencies are causing me continued stress and unnecessary high interest with their alleged scoring platforms and duplicate inquiries on my credit report. 

These companies are continually destroying the XXXX economy. what is the CFPB going to do to fix all these problems and restore American confidences?
Product: Checking or savings account

Citibank had an IRA with my maiden name. I faxed all paperwork on XX/XX/19.To date I still have not rec 'd my funds. If I didn't call they never reached out. I called in on XX/XX/19 and was told they needed my id again. Then I called on XX/XX/19 for status and was told they had a block on my account they would take 5-10 more days. Really. She was rude and hung up on me. Then on XX/XX/19 called again and was given 3 options. Still nothing. if I didn't call I guess I would never get my funds. The worst customer experience. I just need to change my name and get my money out of citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, received letter stating if full amount ( three months late ) wasnt due, they would report it to credit. Paid on XX/XX/XXXX, in full to make account current. Reporting turned in on XX/XX/XXXX. 

They blackmail people regularly, when I was overdue by XXXX day an employee lied and said I would now have to be on auto payment, I signed up for the auto payment, and then it wasnt going through and I was only notified through the discover student loans website, no email until the threatening letter. Then once I followed through with the threat, they did it anyway.
Product: Debt collection

Collection bureau of a Original creditor XXXX XXXX XXXX. Added to credit reports on XX/XX/2022. Showing collection for XXXX XXXX and XX/XX/2022. Total amount of {$470.00} added to collections. I have called company XXXX XXXXs because this isn't my account. They never call back. I have tried disputing and it's still on my reports. I never had an account with company and they won't remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX are reporting inaccurate information on my credit report as a result of identity theftXXXX XXXX  report attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses and names do not belong on my credit report. 

Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Mi XXXX - XXXX Names : XXXX, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my car lease with XXXX XXXX XXXX. Equifax refuses to update their records and keep saying I owe a balance XXXX as of XX/XX/2021. This was paid off XX/XX/2021. I would like this updated on my equfax report
Product: Credit reporting or other personal consumer reports

Upon Reviewing my consumer report I noticed collections that I did not make nor did I approve anyone to pull my credit report
Product: Vehicle loan or lease

The vehicle has been paid in full. I have the title and the attachment is a supporting documents are proof that the vehicle was paid. And I need this removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXXXXXX XXXX  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 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 reported in months that reported late to be removed.

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. 


XXXX XXXX, XXXXXXXX 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, credit repair services, or other personal consumer reports

I was informed by my mother that I kept receiving mail at her home from a collection company. She said she the most of the envelopes away thinking it was just trash. Until just recently she decided to open the most recent letter because it from the same place from before. I don't owe any money to anyone. Some one falsely has given my name and social to open many accounts under my name. I had to pull my report to figure out what was happening. I need all these fraudulent unknown suspicious accounts off my report. 

XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$290.00} XXXX XXXX  XXXX {$290.00} XXXX XXXX  XXXX XXXX {$570.00} XXXX XXXX XXXX XXXX {$450.00} XXXX XXXX  XXXX {$420.00} XXXX LXXXX XXXX XXXX XXXX   XXXX {$350.00}
Product: Debt collection

I sent a validation letter to Bullcity financial solutions on XX/XX/XXXX to get validation and verification of this debt reporting on my credit report. I have no known knowledge of this company and realize this is a third party collection agency. The original creditor XXXX XXXX has violated my rights under HIPAA. I requested for documentation with my signature saying i agreed to pay this debt and i have not received validation that I requested.