23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

XXXX XXXX {$400.00} NFCU My now wife and I took a trip to XXXX as to where I would propose to her. During this time I had $ XXXX CL card with NFCU. While we were there, I made a purchase for the hotel room and all was fine, until 2 days later. We decided to stay another couple of days and I attempted to pay for my extra days .... They locked my card completely out of the blue. Because of this happening I now was stuck in XXXX with no money nor gas ... And we had our XXXX kids with us ages XXXX and XXXX. I was forced to drive to a NFCU about 2 hours away to simply provide them a picture of my ID. This happened twice in 3 months where my card was randomly locked and completely frozen. I have been receiving calls threatening to report me in an attempt to collect the debt owed on this card ... If I am correct that is not legal.
Product: Debt collection

This law firm is contacting me regarding a debt from 2012 in which I've informed the original company doesn't belong to me. I've been harrassed by several collections agencies, and now Linebarer Goggan Blair & Sampson, LLP is contact me 8 years later about this same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I visisted XXXX but unable to get reports from agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOT MY ACCOUNTS i sent a letter on XX/XX/2022 to XXXX XXXX XXXXXXXX its been XXXX than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Product: Credit reporting or other personal consumer reports

I am requesting for the original copy of the agreement & terms and conditions. Failure to comply will forfeit your claims and will require you to delete all of the listed items. You are required to do what Im asking & block these transactions from being reported to my consumer report WITHIN 4 days from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE. 

XXXX XXXX XXXX XXXXXXXX Opened XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX Opened XXXX XXXX {$730.00} XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX {$600.00} XXXX XXXX XXXX Opened XX/XX/year> {$410.00} XXXX  XXXX XXXX Opened XXXX XXXX {$66.00}
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft, and I called navy federal and explain the reason why I should not have a late payment on my account. I was instructed by a respresentative of navy federal not to pay the secure credit card at the time I reported identity theft. Which that date was XX/XX/XXXX. I was in Arizona at the time the crime was committed. I was instructed by the police at the time to call all banks and credits cards and put a stop/lock on everything til the investigation was finish. once the investigation was over I went back to pay the secure credit card as normal. I thought navy federal understood the situation at hand, when I called this year of XX/XX/XXXX and reported identity theft with proof that it happened again is when I find out they reported a late payment.I don't understand what's the issue on a secured credit card of {$200.00} that is now closed. please all I ask is that the account be updated to show no late payments
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX needs to delete this information off my credit report as it's not correct information as a proper dispute will prove. The state and federal laws have clearly stated that if you cant register. The car was bought was bought and sold and states it only has had 2 owners. They have clearly violated state and federal laws and needs to contact the dealership as I have as my concerns continue to go unanswered. I don't owe XXXX XXXX  any money.I have received the dispute results that your company has sent me, however, they have failed to make ANY corrections whatsoever NOTHING WAS CORRECTED XXXX, XXXX, XXXX. So, Im just so freaking frustrated and ticked off and hurt right now. Because while I understand that it may not necessarily be your fault, the fact of the matter is that this agency is still reporting and selling inaccurate information about me even though there are credit reporting laws which are supposed to ensure they report only accurate credit information. Your agency has blatantly ignored my dispute and have responded to me with these accounts being updated or remaining. Nonetheless, I have found 0 updates and have contacted creditors who have confessed to having no record of a dispute about me from your agency. This makes me absolutely sick to my stomach as Im sure it would the same for you if you were in my shoes! Regardless of what, Im writing to let you know that Ive been advised by legal counsel that Im entitled to recover money damages because of this. 
Every last one of these accounts are reporting information which varies from bureau to bureau so that in and of itself proves that these accounts are reporting inaccurately AND ALSO for some of them - I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of these accounts and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, Im going to assume that 30 days constitutes more than enough Reasonable Time for the re-investigation and correction of my credit report ( specifically these accounts listed below ). Here are the accounts in error : XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX and XXXX. 

I reviewed my Equifax credit report on XX/XX/XXXX, and found several issues with incomplete or inaccurate information. Under the Fair Credit Reporting Act ( FCRA ), credit agencies are supposed to make sure all the information they report is accurate. The accounts listed below dont meet those standards. 

Supporting Evidence ( Equifax Report XXXX ) : XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX XXXX XXXX : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : Credit Unions Phone Number : ( XXXX ) XXXX XXXX. XXXX XXXX XXXX  Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX XXXX  Phone Number : ( XXXX ) XXXX XXXX. XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXX Credit Card XXXX. 
Phone Number : ( XXXX ) XXXX XXXX. XXXX Inquiry Date : XXXX Removal Date : XX/XX/XXXX Type : XXXXXXXX XXXX XXXX XXXXXXXX. 
Phone Number : ( XXXX ) XXXX What the law says : If something on your credit report is wrong, the credit agency is supposed to fix it or remove it after looking into it. Under 15 USC 1681 5, theyre required to delete or correct any inaccurate or unverifiable information. Specifically : XXXX. If the information cant be verified or is found to be wrong, they must : Delete or correct the item in your file. 
Let the furnisher of the information know about the change.

And under 15 USC 1681s-2, furnishers arent allowed to provide any information they know or have reasonable cause to believe is inaccurate to a credit agency.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written Debt Validation ( XXXX Letters ) dated XX/XX/2022 addressed to the bureaus for the negative items listed under my account which is inaccurate and is giving a bad impact on my credit report. I also mailed a letter for the Method of Verification. It's been more than 30 days and I haven't received any response. Under the FCRA, unverifiable accounts must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a consumer report from with several violations by Equifax, dated XX/XX/22 as abusive, unfair, deceptive. This unauthorized action of furnishers/debt collector pursuant to 1692i ( b ) has violated my right of privacy in reporting to Equifax, a consumer reporting agency for which the report is disputed. 

The report has impacted adversely impacted me negatively in 1692 ( a ) ( 1 ). 

I am submitting this complaint following several unverified investigations. There is false, deceptive, inaccurate and unauthorized information that appears on my Equifax consumer report and instruct Equifax to delete my personal data, negative information and circled account information referenced Pursuant to 12 CFR 1016.15 ( a ) ( 1 ) as I revoke the consent and direct Equifax to cease and desist, as right to opt out, unauthorized use of personal information and injurious negative information as compliance to 15 U.S.C. 1681b ( a ) ( 2 ) within 48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Equifax are continuing to report a past account with XXXX XXXX XXXX as a charged off account. This account has been paid in full via a garnishment from my paycheck, initiated by their lawyers. 
As I subsequently dispute the findings that XXXX  comes back to me with, they refuse my electronic dispute on their website stating that this has already been resolved. XXXX  and Equifax have also not removed it based on the information XXXX is providing them with. 
According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer by not providing the credit bureaus I have disputed this with the correct information and Im requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to show that I have a balance of over {$18000.00} on a XXXX XXXX Credit  card. This card has been paid off for a few weeks now, yet continues to show on my report. Please remove and update so my credit score can be updated please.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH 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 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 reported in 60 days 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. 

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

ACCORDING TO XXXX XXXX XXXX - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

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

XXXX  # XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

On Sunday, XX/XX/XXXX  the bank post dated a debit for XXXX XXXX XXXX in the amount of XXXX and charge me a fee of XXXX, both were dated XX/XX/2023 which is Monday! The recurring charge from this merchant is XXXX ; not XXXX. I had XXXX in the checking account prior to the transaction of XXXX being forcefully posted for XX/XX/ on XX/XX/XXXX The corrupt banking practices of the credit union is outrageous at this point. This is retaliatory behavior as a result of my reports to this agency. The credit union transferred funds from my savings account to my checking account and their was still a negative balance. I made a transfer on my own and the account somehow erased the transfer the processed by the credit union. I had to make another transfer to ensure my account wouldn't be negative.
Product: Credit reporting or other personal consumer reports

I have tried to speak with someone regarding my my social security number is is incorrect under personal information. In the dispute section under personal information it has last four digits as XXXX. 
My last four digits are XXXX. 
The first five numbers are XXXX out so I dont know if this isocual security number belongs to me. 
This leads me to wonder if the report is correct.
Product: Payday loan, title loan, personal loan, or advance loan

Last week, XX/XX/XXXX  I was hung up on multiple times by the customer service representative 's. After finally getting someone to stay on the phone, they requested that I send over a notarized copy of my drivers license and a form to fill out. After filling out form and sending over my notarized copy of everything this company still refused to grant me access to my account. Then proceeded to tell me that they need more information to verify my identity. ( after already sending over notarized paperwork of who I am along with providing my account number and my social security number ) What this company is doing is completely unbelievable and unacceptable to the consumer that is paying them for a loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$80.00}, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported an inquiry on my credit report that I do not recognize. I reached out to the company by phone to remove this inquiry. However, the company has not responded.
Product: Credit reporting, credit repair services, 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 : 1. XXXX XXXXXXXX XXXX XXXX Account name:2. XXXX XXXXXXXX XXXX has violated my rights. 

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, credit repair services, or other personal consumer reports

YES I SENT THE REQUIRE DOCUMENTS TO ALL PARTIES TO HAVE THESE FRAUD ACCOUNT REMOVE FROM MY CONSUMER REPORT
Product: Credit reporting or other personal consumer reports

On XX/XX/year> TransUnion responded to a previous CFPB complaint regarding a XXXX XXXX XXXX XXXX account listed on my TransUnion credit report. TransUnion stated that the XXXX XXXX XXXX XXXX account was deleted. As of XX/XX/year> the XXXX XXXX account still remains on the TransUnion credit report. On XX/XX/XXXX I received mail from TransUnion with a updated credit report after a dispute still showing the XXXX XXXX XXXX XXXX account listed on the credit report. 
I have included the previous cfpb complaint and response from TransUnion stating that they have deleted the account. I have also included the TransUnion report that was sent to me on XX/XX/year>.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, I think we're required to delete any incorrect accounts from my credit report. Can you check the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Debt collection

I keep getting on a daily bases sometimes a few times a day calls from a number XXXX saying I need to call XXXX. I work in XXXX XXXX XXXX so it is very hard for me to call back during the same business hours i work. I had time to call back to to figure out why am i getting so many calls daily. i called XXXX a man picked up asked me if I was XXXX XXXX and verify SSN. I told the man I would not be giving any info can he give me the name of the company so i may know if the collect was a fraud or not. He said I need to verify information. I tired to explain to the man my rights as a consumer he started to over talk me yelling and than just he hung up the phone. I called back a female answered this time I stated my name and i had already been treated rudely by the previous rep and than that lady became quickly loud and rude. I explain i still am not sure what you business is calling me for no is telling what this debit is for. She began to over talk me while i was trying to speak. I keep asking the ma'am to please allow me to finish my statement she also got loud to over talk me and hung up. called third time is the charm to figure why are they calling so much and this time i asked for a supervisor to explain to her the treatment by call reps. I spoke with a XXXX now i am recording the call my self i let XXXX know the call was recorded for my own protection based on the previous treatment. As i started to explain to her how the reps hung up start yelling saying so you not going to pay your debit, yet i do n't even what they want to pay.
Product: Debt collection

This company calls repeatedly and never leaves a message. 

When I called back, they refused to identify whom they are collecting for or what I supposedly owe. They are rude, threaten legal action, credit destruction and wage garnishment. When I said Im on Social Security, they told me it didnt matter. 

Any outstanding debt I had has been dealt with.