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

On XX/XX/2021 I submitted a complaint with proof concerning inaccuracies on my credit report for an account with XXXX XXXX. 
XXXX  and Equifax closed the complaint stating they had updated the account accurately XXXX these complaint numbers are XXXX and XXXX ). The account still does not match between these two bureaus. 
Per USC 1681i ( 5 ) - if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. 

I am submitting a copy of the payment section for XXXX XXXX account that was updated by Equifax and XXXX. These two reports still do not match. XXXX  still has the XX/XX/2021 complaint open and it will be 30 days on tomorrow ( complaint # XXXX XXXX. 

This complaint also includes open complaint numbers # XXXX, XXXX, and XXXX concerning the same issue. Please have this account deleted at once. If this account is not deleted I plan to seek litigation.
Product: Debt collection

Resurgent/XXXX  XXXX  keeps sending a bill in which is over 7 years with wording stating if I pay I'm agreeing to reinstate the date of statue of limitations which is not a valid date I keep getting letters one after another from the same company reworded or some kind of trick to reinstate the debt in which they have different dates or change. the debt is not valid.
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report, and Im unsure why. When I checked my report, as usual, there were unexpected discrepancies. I tried refreshing my browser to see if it was a glitch, but the unauthorized inquiries remained. Therefore, I request that the documents I've sent be thoroughly reviewed to ensure this issue is permanently resolved.
Product: Checking or savings account

i am writing to file a complaint against Navy federal credit union regarding multiple overdraft feed 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: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CCS COLLECTIONS Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious CCS COLLECTIONS I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I open a account with XXXX  XXXX and place a order for some items I never received. i asked them to put a tracer on the items and tell me who sign for it they told me they have a signature i asked them to provide it to me they told me they could not that I have to sign a form which i did i never received the signature they kept asking me for payment I told them I'm not paying for anything I have not received so what they did was charged off my account and sold it to XXXX XXXX  now I have a charge off from XXXX  XXXX and a collections from XXXX I called XXXX and they told me they will do a complete investigation after a month went by they wrote me back and said our investigations show you never sign for does items and they remove the collections off my credit report and I owed them nothing they advise me to to take this letter and send to XXXX so they can remove the charge off from my file for which I did XXXX  XXXX  told me 6 times they would remove it this started in XX/XX/2016 as of today the charge off is still on my file I recently called and they say they got a signature I told them to provided it they say they can't find it I just want this removed
Product: Credit reporting or other personal consumer reports

I Demand an Immediate and Thorough investigation into these blatant discrepancies within FOUR DAYS, as mandated by FCRA. You are REQUIRED to provide undeniable evidence, such as detailed account statements, substantially the alleged lateness of these payments. FAILURE to furnish such proof within specified 4-days time frame will lead to my INSISTENCE that these payments be corrected to reflect their accurate, ON TIME status in rigorous adherence to FCRA SECTION 611, which mandates accuracy and completeness in consumer reports. 

I have consistently met my payment obligations ON TIME and Will NOT TOLERATE this unacceptable situation. RECTIFY THIS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Goodman Frost accessed my consumer report on two different occasions without my authorization violating my consumer rights. 
XXXX XXXX of Goodman Frost has used this information to sue me twice without validating the debt. 
XXXX XXXX also did not provide proof that XXXX XXXX XXXX of XXXX XXXX Michigan retained his or Goodman Frosts services. Who is the real plantiff? 
I spoke with the accounts receivable department at XXXX XXXX and they had sold the debt to a debt collector, and XXXX from XXXX XXXX told me they did not retain XXXX XXXX nor Goodman Frosts services. 
It appears to me they pulled my credit report ( unauthorized as a " lender '' ) on a " fishing '' expedition to see what they could find.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TransUnion refuses to provide thorough details for their reinvestigation as to how each are continuously reporting negative information on each accounts. Delete or correct my disputed information.
Product: Debt collection

On XX/XX/XXXX I was previously notified by Portfolio Recovery Associates stating I owed a debt through them. I wrote in response to Portfolio a verification request of the debt and I received old credit card statements ( did not receive all information I requested to validate the debt ). I responded with another letter on XX/XX/XXXX stating information sent to me was not validation, Portfolio recovery Associates was in violation of the Fair Debt Collection Practices Act and I be sue. On XX/XX/XXXX I also sent a cease and desist letter to STOP ANY and ALL COMMUNICATION from Portfolio to yet receive two more letters from them dated XX/XX/XXXX and XX/XX/XXXX. Portfolio Recovery Associates are in violation of the FDCPA 15 USC 1692 for failure to validate debt and stop communication as requested. All correspondence I sent to Portfolio Recovery Associates were sent via certified
Product: Student loan

On XX/XX/2018 I submitted for economic hardship forbearance, due to the amount I make monthly not being sufficient to pay the assigned monthly payments for my student loan. On XX/XX/2018 I was notified that my request was denied due to exceeding the maximum time limit allowed to request this type of forbearance, despite providing current proof of earnings. I have regularly been in contact with XXXX XXXX to discuss options and they have not and continue to not provide me with any other options for repayment or getting my account in good standing. On XX/XX/2018 I made a payment of {$850.00} to attempt to decrease the days delinquent and avoid negative reporting to credit agencies, per the suggestion of the representative via the phone. However on XX/XX/2018 I received notification from XXXX XXXX regarding a drastic reduction in my credit score. On XX/XX/2018 I contacted XXXX   regarding credit counseling and how to rectify my current situation. Unfortunately I have been provided little to no options as the result of the lender. Presently, I am receiving threats of default and further negative credit reporting despite continually contacts and pleas to provide other options that would allow me to pay a more suitable amount for my current income level.
Product: Credit reporting or other personal consumer reports

I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible thank you
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$22000.00} XXXX XXXX Balance {$32000.00} XXXX XXXX Balance {$30000.00} XXXX XXXX XXXX Balance {$5300.00} XXXX XXXX XXXX XXXX Balance {$14000.00} XXXX XXXX XXXX XXXX  Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX  Balance : {$8100.00} XXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance {$0.00}
Product: Debt collection

Portfolio recovery associates does not obtain a legal license to collect any debts in newyork state they have illegally attempted and has illegally impacted my credit score which has caused XXXX and extreme mental stress
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 


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 USC1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

15 USC1681b ( a ) ( 2 ) Subject to 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. If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering
Product: Credit card

I am writing to express my extreme dissatisfaction and frustration with my recent experiences concerning my credit card account with American Express. I signed up for a 12-month 0 % APR promotion, but I have encountered numerous issues that have left me feeling deceived and mistreated.

1. **Interest Charges Despite 0 % APR** : I was shocked to see interest charges on my statements when I was supposed to enjoy 0 % APR for the first 12 months. When I inquired about this discrepancy, your representatives informed me that it was due to not paying the minimum balance. However, this is perplexing because no credit card obligates customers to pay a minimum balance during a 0 % APR introductory period. This promotion is designed to allow a year of interest-free payments. 

2. **Revocation of Initial Agreement** : To add to my frustration, when I began paying the minimum balance as suggested by your representatives, I was informed that my initial 0 % APR agreement had been revoked due to late payments. This was done without any prior communication, such as emails, letters, or notifications. This sudden change left me blindsided and with no knowledge of the agreement 's revocation. 

I believe that these actions represent misleading information and financial misconduct. It is extremely unfair to change the terms of an agreement without proper notice and then to charge interest retroactively. I have been a loyal customer, and I expected transparency and fairness from your institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE ANY OF THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS XXXX XXXX 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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXX : {$110.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXXDispute XXXX XXXX XXXXDispute XXXX XXXX XXXXDispute all file to the ftc violations that occurred
Product: Credit reporting or other personal consumer reports

inaccurate reporting to consumer report and violation of privacy. I've reached out to the company in regards to all the violation they're doing in regards to my rights listed below. I'v sent notice XXXX, PRIVACY ACT OF 1974 15 USC 1681 15 USC 6508 15 USC 6802 15 USC 6805 16 CFR 313.7 16 CFR 433.2 15 USC 1681 eb 15 USC 1681 i7
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

Personal Info Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Employers : XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX collection/charge off XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CARD XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX  XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX  XXXX XX/XX/XXXX {$200.00} late payment XXXX XXXX XX/XX/XXXX {$2100.00} credit inquiries XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Got a call and voicemail from XXXX. No caller ID and asked me to call back XXXX and gave me a case #. Upon calling back they asked me to verify my address, SS # etc. I did not disclose any information and I asked what this was regarding. They said they needed to verify my case before they could give me any details. Then they asked about an old account/tradeline that was paid in full and closed in 2008 9 years ago. I told them this debt was paid in full and I no longer wish to speak with them. They were threatining to sue me and stated they sent an " official '' document to my address 45 days ago and because I did not respond with 30 days they are suing and I will be arrested immediately unless the debt is settled. I then explained the debt was paid 9 years ago and I am no longer interested in speaking with them about this matter. They hung up. I am concerned that I am a victim of Identity theft.
Product: Checking or savings account

Ended up with a negative balance due to NFCU improperly calculating available balance for a debit card. I spent what was said to be available but after all transactions changed from pending to complete I somehow had a negative balance. When questioned they just kept repeating I had overspent and that wasnt possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following items on XXXX-18 and XXXX-18 and these items are not mine. Furthermore they change the reporting information of these two items. I have not had a problem with XXXX  and XXXX, but trans union has been very difficult. I believe they have my son, XXXX XXXX XXXX XXXX and I credit report crossed up. Regardless they need to rectify this situation and remove these items that are not mine. I just don't think it is fair to report items that are not mine on my credit report. I can not refinance my home with my wife with these false items on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I deposited a check on XX/XX/XXXX for {$2300.00}, for which I received the notification from Chase Bank that {$100.00} has been credited to my account immediately, whereas the remaining amount i.e. {$2200.00} will be credited on XX/XX/XXXX and the amounts were credited too, which made me realized that the check has got cleared. In turn, I refunded the money back to the person who sent the check by mail ( who apparently was a fraudster ). 
Later, on XX/XX/XXXX surprisingly the said check got bounced and I saw a debit on my account. 
Between XX/XX/XXXX and XX/XX/XXXX, I made lots of call to Chase Bank, and they confirmed that they credit the full amount once they get confirmation from Issuing Bank, but couldn't confirm why the check can get bounced later. Also, when I dropped an email to them on XX/XX/XXXX, they never replied back to me with the clarification. 
Because of this, I landed to a situation wherein I lost {$2300.00}, and Chase is not providing the amount back due to flaw in their policy/process.
Product: Debt collection

wakefield and associates has a XXXX dollar collection on my XXXX credit report, the only collection account ive ever had and the only serious derogatory ive ever had.the collectors original creditor they represent is XXXX XXXX.it is impossible that this charge is legitimate as always I have qualified for and had XXXX ... XXXX XXXX XXXX PLAN, A GOVERNMENT LOW INCOME PROGRAM WHICH WOULD COVER ALL LEGITIMATE AND LEGAL HEALTH CARE DEBTS.THE EXTORTION IS THAT FOR XXXX DOLLARS I WOULD PAY TO SAVE MY CREDIT ... AND IT MAY JUST BE WORTH THE PAYMENT BUT THE DAMAGE IS DONE MAKING ME UNLOANABLE FOR A DEBT THAT IS LEGALLY IMOSSIBLE TO OCCUR.