23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I regularly check my credit report on my XXXX XXXX XXXX I checked it on the XXXX of XXXXand saw a collection notice on my report from XXXX XXXX XXXX for {$130.00}. There was an XXXX, CA address attached on my report saying I had lived there. I never lived in CA. It was a sprint account opened on XX/XX/XXXX. I had no prior knowledge of this account. No bills, notices or phone calls from from anyone. I've been with XXXX XXXX since XX/XX/XXXX and still am and have payment records to prove it. There is also a date of first delinquency, XXXX XXXX. I was released from XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. This is not my debt.
Product: Credit reporting

Experian continues to report these XXXX XXXX XXXX accounts incorrectly, despite numerous disputes. Experian claims to not have my documentation, which is a lie, because I have sent this documentation to them multiple times via certified usps mail, with a receipt showing delivery. Experian is claiming they will not reinvestigate without documentation, but refuses to acknowledge that I have repeatedly sent them the correct documents to support my dispute. Experian has locked me out of my online report, as well as the ability to upload documents online- claiming they can not give me a reason why but everything must be mailed. They will only receive written communication from me at this point, and are refusing to correctly process my dispute with what I have been sending them. 

These XXXX XXXX XXXX accounts began reporting on my file as XXXX XXXX. These XXXX accounts were transferred within XXXX XXXX to another department and re-reported as XXXX XXXX. They were transferred with a positive status. These XXXX loans were then forgiven and discharged. They should be reporting as " paid in full, and closed '' with a positive status. I have been in contact with XXXX XXXX several times regarding this, and they claim they are not the ones reporting the incorrect information to Experian. 
Considering XXXX is reporting these XXXX loans correctly, I tend to believe what XXXX XXXX is claiming is true. Especially considering Experian has admitted to me that they sometimes receive reported information from a XXXX party vendor, and it may not always be accurate. XXXX XXXX was more than happy to provide documentation to me to share with Experian, and has told me they continue to report the account correctly to all bureaus. 

Dispute with documentation was sent to Experian yet again on XXXX/XXXX/2015, which they deny ever receiving. I have attached all pertinent documents.
Product: Checking or savings account

and your account. 
XXXX 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 XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  XXXX XXXX ) Account XXXX also ( XXXX XXXX XXXX Account XXXX has Violated my rights. 

15 U.S.C 1681 Section 602 A. States i have the rights 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.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX 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. 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 8
Product: Credit reporting or other personal consumer reports

As per guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an Advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 


I am a victim of human trafficking of debt bondage and would like for all the listed accounts to be BLOCKED AND DELETED XXXX  XXXX bal {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXXXXXX XXXX XXXX XXXX  XXXX {$4600.00}
Product: Credit reporting or other personal consumer reports

I was simply denied my legal rights to purchase and apply for a new credit loan solely based off of Experian credit report bureau since XXXXXXXX  Experian is a consumer worsts nightmare based off this companys data I miied the option to purchase the car priced at {$31000.00} that car was sold I forced based off of the Experian credit report bureau to apply for the same car with a higher price tag and {$8000.00} listed at {$37000.00} this is unfair I bust my tail to pay my bills on time every month this should have never happened
Product: Debt collection

To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to urgently dispute the incorrect eviction records that appear on my credit report and are causing severe harm to my credit, preventing me from securing housing. The following eviction cases have been dismissed and are incorrectly listed on my credit report : Case Number : XXXX ( Dismissed on XX/XX/2024 ) Case Number : XXXX ( Dismissed on XX/XX/2024 ) These cases are related to a property at XXXX XXXX, where I have never lived. I was unaware of these cases until recently, and they have been dismissed. As these evictions are erroneous and not related to my actual living situation, I am requesting their immediate removal from my credit report. 

Please review the attached documentation, which includes court records that prove the dismissal of both cases. I kindly request that you remove these incorrect eviction records from my file within 24 hours, as this matter is critically affecting my ability to secure a home. 

I would appreciate a confirmation of receipt of this letter and the removal of these items from my credit report. 

Thank you for your urgent attention to this matter. 

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

I am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts is 100 percent true, accurate, correct, and is not untimely, unverifiable, incomplete, or inaccurate. Please delete this accounts and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

My account with XXXX XXXX was closed in XXXX of 2020 by XXXX  XXXX with NO BALANCE. In XXXX of 2020 a disputed charge was added back to the account and I was not made aware of it. The account began to accrue interest as well as late fees. The account has now been marked 30 days past due even though I have never been late on this card. It now shows on my credit report as closed as of XX/XX/2020 its in collections when XXXX XXXX has NEVER attempted to contact me to inform me that a dispute was added back to my account. They stated they mailed out statements to an incorrect address. Ive lived at the same address for over 5 years and have never changed my address with XXXX  XXXX. How ironic is it that when my account is closed and money is owed you guys tell me I changed my address so you had no way of contacting me! I had no access to online banking they restricted access in XXXX of 2020 I just regained access XX/XX/2020. So there was no way for me to get a fair chance at paying this balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX agreed to delete their accounts from my credit reporting after settlement but they have yet to do so. Please delete as this was part of our deal.
Product: Credit reporting or other personal consumer reports

I filed a dispute Due to inaccurate information and experian denied to follow up with the investigation. I was recently notified cfpb has a lawsuit pending on experian. They alleged the company of accepting unreliable information, failure to notify accurate and throughly investigated consumer dispute results. All of this alin with my issue, as experian has not attempted to remove or correct any information on my consumers report. Im requesting that this derogatory remark be removed as this has been a major impact on my chances of getting a house, a car, credit card & etc. XXXX has violated my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

I would like to dispute these negative accounts on my credit report. 

TransUnion : 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: Checking or savings account

Opened a new IRA account with XXXX XXXX ( XX/XX/17 ) and was supposed to receive a {$500.00} bonus for transferring in $ XXXX+ in holdings. Used promotional code XXXX. Have only been credited {$250.00} bonus instead of the full {$500.00}
Product: Debt collection

I DO NOT have a signed contract with Portfolio Recovery Associates. I am not liable for the debt that this company claims I owe. My name is missing my middle initial on the correspondence sent to me. I always use my middle initial. My name as it appears ok my credit report has my middle initial.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX  XXXX account opened on XX/XX/2014 on my Experian credit report is being reported inaccurate, there are late payments reported on that account and I was never late on any of those payments. Delete the account for inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
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  {$2800.00} XXXX XXXXXXXX XXXX XXXX {$710.00}. 
XXXX XXXX XXXX XXXX XXXX  : {$2800.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE ATTACHED COLLECTIONS EFFORTS. I AM CURRENT ON ALL SUPPORT PAYMENTS ; THERE ARE NO COLLECTIONS AMOUNTS DUE OR OWED. PLEASE REMOVE COLLECTION NOTE/SECTION FROM MY CREDIT REPORT. SSN XXXX see attached Court Order. I am current.
Product: Vehicle loan or lease

I had a vehicle loan with Santander consumer USA. In the last 2 year during pandemic I had hard time to pay my loan but I used inherited Money I received and paid them off. They still reported to credit score companies after I told them I am out of my job for the pandemic and I was on unemployment benefit. I also was in hospital and had some operation XXXX XXXX XXXX XXXX which kept me farther out of job. I was also infected with XXXX XXXX  which had to isolate with severe symptoms which made me unable to work also
Product: Checking or savings account

Ordered a wire transfer via phone call at XXXX on XX/XX/21. Was told that I can not wire to an external account that I am not the owner of. This completely eliminates the ability to use money as money. I needed the funds to close on the purchase of a house. Disclosures and restrictions in regards to withdrawals are nowhere to be seen on the website. The website describes the account, Online Savings Account, as having unlimited withdrawals.

Despite my issue with wanting to wire to an external account, I chose to wire these funds to a credit union account that I am an owner of so that I could then wire from that financial institution. The wire was requested in the same XXXX phone call yet the wire still was not sent by XXXX on XX/XX/21. I contacted the bank through chat and explained the importance in getting these funds in order to close on a house. Was called at XXXX on XX/XX/21 and was asked to verify that I am the accountholder with the institution the funds are being transferred to. This was done successfully. As of XXXX on XX/XX/21, the wire still had not been completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolutely ridiculous that we 're forced to pay for freezes of our credit to companies we have never agreed to do business with to avoid ruining our credit score that is a requirement to live in modern society. I have n't been able to get through to the companies to actually freeze anything because of the XXXX  caused by the equifax breach. The fact that they are charging consumers to protect their own credit and do n't have the infrastructure to allow people to do so when they need it is criminal. These are for profit corporations that are robbing consumers who simply want to avoid the absolute catastrophe of having their identities stolen. XXXX is even trying to profit from it by trying to get people to sign up for their credit monitoring service for a monthly fee. Once again the consumer gets XXXX and the corporation will keep on cashing in on people 's misfortune.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I have been given information from a legal service about my consumer rights provided by and through Title 15 USC. Through this code I discovered that the credit bureaus Equifax, XXXX and XXXX ( herein after CRAs have violated several rights and in doing so have publish, sold and used my personal, private and nonpublic information without my authorization or knowledge. 
According to USC 15 1681 Permissible Purpose of Consumer Reports it describes what is allowed in terms of a consumer report. These are clearly covered in ( a ) " General '' and is limited to " ... and no other ''. It list that a consumer report is available via ( 1 ) a court, " subpoena '' and ( 2 ) " in accord with written instructions of the consumer ... '' and " no other '' The remainder of this section is only applicable unless/until the consumer provides " written Instructions '' In other words a CRA needs explicit written instructions from me the consumer before it can use, sell report or in any way create a " credit profile on me the consumer. And they are not allowed to used, sell provide or report my nonpublic information, they have done so and without my authorization. I am demanding the CRAs produce a certified copy of any such consumer " written Instructions '' they allege I the consumer have provided. 
In addition The CRA 's are required to provide me the Consumer with a written opt out option. This has never been provided to me, if the CRAs claim different I demand they produce a certified copy of any such " opt out form ( s ) Nothing in any of this consumer 's credit report or any information listed in any reports files or documents held by any CRA was authorized by me and has been created by a third party and possibly the CRAs and is fraudulently obtained and qualifies as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

DiscoverCard is falsifying documents to the XXXX XXXX XXXX XXXX, violating federal law. 

Today they responsed to a dispute and willfully without regard to my right to due process, they provided fictitious informaron to the governor and I am reporting them to the XXXX XXXX United States XXXX office tomorrow. 

They responded that dispute XXXX is a duplicate of XXXX when clearly it is not a duplicate. 

These XXXX at DiscoverCard has also reported to my credit file that I made payments when I did not make any, and they tried to get a collection agency that masks themselves as a attorney to collect over {$1000.00} more than they say i owe. 

I demand an investigation and I demand for a response to these allegations. 

Im not gon na let this go XXXX XXXX up there in DiscoverCard nobody will anything about it but I have a voice too and Im going public on you and your creepy ambulance chasing company. 

You broke the law and justice will be served. Wait for it.
Product: Credit card

Payment was made in full at XXXX on XX/XX/XXXX after hours of trying to log into my account and requesting a new password. Email shows payment was made, however the company did not process the payment until the next day stating " your scheduled payment has been updated '' and then posted it for XX/XX/XXXX. Also stating it could take another 2 days to process. 
Since then I've continued to receive " late fees '' stating the payment I made was late. 
As of XX/XX/XXXX I received roughly 1 call a day until XX/XX/XXXX when I started receiving multiple. The started calling on different lines after rejecting or blocking the calls. The call multiple times in a row and at all hours of the day and night. On XX/XX/XXXX I had 6 calls from 1 number, 2 from another and so on each day.
Product: Mortgage

On XX/XX/XXXX my hardship due to covid 19 has affected my work life. 

To avoid missed payments a claim was filled with my mortgage servicer of my loan, The Money Source Inc. for forebearance as allowed per the CARES Act. 

A return email letter states I have to provide finance information, which is NOT required and a violation according to the CARES Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert for a hard inquiry from XXXXXXXX XXXX that was not authorized. I advised XXXXXXXX XXXX that this was un-authorized and they fail to assist in removing the inquiry off my credit report. 

In addition I have Equifax several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) documentations, They have consistently lied about obtain legible documents despite having agents read the documents to me. They have refused to remove the inquiry after providing the documentations as requested.
Product: Debt collection

XXXX XXXX XXXX placed a collections and theres 0 information on it. There has to be an error.
Product: Debt collection

I received a notice in the mail from MRS BPO , LLC, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX that I had a past due debt from XX/XX/2018 in the amount of {$27.00} for a XXXX account charge. I do not have a XXXX account and did not purchase anything through XXXX. 

I have a high credit rating. Per my XXXX account, there is no past due debt and there are no collection actions being taken. 

I read online of other complaints from people similar tomine about this collection agency stating that they had not made purchases and did not owe money. I called XXXX and they did not seem concerned that this company is using them to scam people.
Product: Money transfer, virtual currency, or money service

IN XXXX PAYPAL LIMITED MY ACCOUNT PERMANENTLY AFTER I HAD RECEIVED XXXX XXXX TO MY XXXX! in an email they assured me that I will get me funds in 120 days. time has passed and I am unable to add any bank account to withdraw my funds! they are complete scammer!