23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I was completely shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. Ive always checked my credit report regularly, but this time there were discrepancies that just appeared out of nowhere. I even tried refreshing my browser, hoping it was just a glitch, but it didnt fix anything. The errors remained, and now Im asking that the documents Ive submitted be carefully reviewed so I can stop worrying about this issue once and for all.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

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




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 EXP REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

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.

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: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/2022, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX XXXX XXXX  which involved me making deposits for a total amount of XXXX USD from my Santander Bank account to fraudulent investment firm ( s ).
Product: Checking or savings account

Starting around late XX/XX/2019 to present, an online merchant card processing service company called, " XXXX XXXX XXXX '' with their processing division called, " XXXX '' opened an account for me under falsified promises of online merchant processing services that they could not provide, instructed me to refund my first and only client/customer 's money, of which this customer/client has been a longtime client/customer of my business, and when I tried to process correctly, they system was defective and forced me to close the account they had for me which they never did and then charged my personal business bank account a {$350.00} early termination/closure fee and has decided to hold my client/customer 's online merchant transaction of {$1500.00} USD for 180 days with a receipt that still is not reflected in their online merchant processing system! 

XXXX " XXXX Risk Department '' claimed that they could not verify my company and they could not verify my United States Virgin Islands XXXX XXXX  customer 's corporate account at XXXX XXXX. Several attempts to resolve these issues has been unfruitful thus far. I have personally made several calls directly to XXXX XXXX XXXX " various '' departments and calls and emails with their processor XXXX, I made at least 3 ACH complaints at my local XXXX XXXX, I filed an Federal Trade Commission- ( FTC ) complaint, and even filed an official complaint with the XXXX County Florida Consumer Protection Agency/Office that has not resolved this problem with XXXX XXXX XXXX and their processor XXXX. 

It is unbelievable that " any '' company can have over 25 complaints at the " XXXX XXXX XXXX '' with similar issues with the product, services, and billing among other identified issues by this company and its processor and is being allowed to unjustly/unfairly and willfully make ACH charge fees and hold monies from clients'/customers ' that they have not provided full services for! If you can not provide a service how can any company charge for NO rendered/completed service? And if you can not verify a company or a person how can any company be allowed to " TAKE '' any monies from that company or person they can not verify and decide to " HOLD '' that company or person 's money for 180 days/ ( 6 months )? Then, what is a company like XXXX XXXX XXXX or its processor XXXX doing with a company's/customers'/clients ' monies for 180 days/ ( 6 months )? Where is the money and are they using the company's/customers'/clients ' money to make profits from the held monies which is unauthorized and illegal? 

Fairness, Transparency, and Upholding Fiduciary Laws are forms of doing good business in the financial industry here in America! I would like to see my issue and hopefully many other businesses issues with " XXXX XXXX XXXX '' and its online processor " XXXX '' resolved without having to fix this matter in Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act everything has to be XXXX percent accurate on my consumer report the credit agecnys and its furnisher stated that the account was properly reinvestagated and verified, XXXX XXXX XXXX XXXX XXXX XXXX, still reporting inaccurate court name, address, and docket number. Clearly has violated my rights -15 U.S.C 1681c ( A ) ( 1 ) Information excluded from consumer report except authorized under subsection ( b ) of this section no consumer reporting agency may make any consumer report containing of the following item of information, case under title 11 ( United States Code ) or Under the Bankruptcy Act, that from the date of entry of the order for relief or the date of adjudication- 15 U.S.C. 1681section 604 ( A ) ( ( 2 ) it states a consumer reporting agency can not furnish a account without my written consent- 15 U.S.C. 1681 States i have the right to privacy-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 resonable cause to believe that the informaion is inaccurate
Product: Checking or savings account

I OPEN MY ACCOINT YEAR XXXX JOINT ACCOUNT WITH FAMILY MEMER XXXX AROUND XX/XX/XXXX OR A LTTLE EARLIER MY ACCOUNT WAS FROZEN AND THEN I WAS TOLD IT WAS GOING TO BE CLOSED! FIIVE MINTUES LATER AFER CALLING TO FIND OUT WHAT WAS GOING NO AFTER I ALERTING USAA BANKING OUR COMPUTER HAD A VIRSE AND HAD BEEN HIGHJACKED. AND PROVSAL CREDIT FROM USSA ON A DISPUT OF {$450.00} AND {$170.00} WTH XXXX XXXX GOT REVERSE LEFT MY ACCOUNT IN NEGATIVE STATUS AFER DOING RESERARCH I CLEARED THE NEGATIVE ACCOUNT AFTER THAT SOME IDENTITY SOMETHING HAPPEN NOT SURE HOWEVER I LEARNED MY ACCOUNT WAS {$1500.00} DOLLARS NEGATIVE XX/XX/XXXX XXXX A PURE MISTAKE OF A DUPLIC EDD UNEMPLOYMENT CHECK BY MISTAKE I STILL HOLD THE CHECK THAT SHOULD HAVE GOTTEN DEPOSIT. BUT DUE TO RACIAL PROFILING AND I BELIEVE I DID NOT RECEIVE THE SAME CURTOIUS A XXXX XXXX PERSON WOULD HAVE THEN I WAS NOT ABLE TO DEPOSIT THE RIGHT CHECK IN TO THE ACCOUNT THEN THIS CASE TURN INTO IDENTITY FRAUD. BUT BEEN WITH THEM FOR 4YRS NOT BEING ABLE TO HAVE ACCESS TO ACCOUNT LEAVES US IN A VULNERABLE SITUATION OF NOT KNOWING WHATS ACTUALLY GOING ON WITH MY ASSESTS AND NOR CAN I PAY NEED NECESSARY BILLS FOR MEANS OF LIVING THANK YOU HIGHY RESPECTABLE VETERAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX Balance Owed : {$1500.00} ARS XXXX Balance Owed : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Owed : {$220.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$130.00}
Product: Debt collection

this company has 3 different accounts open with name from the same company opened in my credit history from XX/XX/2013. These debts had been taken care of by medicaid at the time. i tried calling and emailing them to try to fix the issue however they do not reply to my emails, even if i try to settle for a lower price they simply do not answer. It has been a nonstop battle with these people. 

they say i allegedly owe them the three different accounts are {$680.00}, {$680.00} and one for {$960.00}. 

I dont know what to do, i want to remove this from my credit report however they are impossible to deal with.
Product: Credit card

On or around XX/XX/year> I reviewed my credit report and found a fraudulent account reporting from Discover Bank. I immediately tried to dispute this account and I informed this institution that this account is fraud and I didnt authorize anyone to open this account in my name.They ignored me and continued to report this fraudulent account. I am a victim of human trafficking and this was a result of me being kidnapped
Product: Credit reporting or other personal consumer reports

I am requesting method of validation for all disputed accounts that are in litigation via TransUnion being litigated for data breaches involving my personal information being exposed. TransUnion has not offered me any sort of resolutions. Please remove the negative XXXX from my XXXX credit report. Yall really some XXXX that want to destroy XXXX peoples spirit with slave debt. My ancestors did not suffer for us to struggle. They paid the ultimate price with their lives and forced labor. The effects are still evident today. This form of Debt slavery is appalling. Remove all negative XXXX immediately. You XXXX!
Product: Credit reporting or other personal consumer reports

Whom It May Concern, I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed some late payments posted on my credit report : I HAVE NEVER BEEN LATER ON THIS ACCOUNT I was never late on this account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this, please DELETE this alleged late payment from my credit report per 15 USC 1681b.

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consum. reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include ( A ) Subject to section XXXX681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorly with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud
Product: Credit reporting or other personal consumer reports

My previous employer, XXXX informed me that the companys system was victim to a data breach and that my social security number and all bank accounts were compromised. My accounts have been placed on fraud alert since last year and there are 2 hard inquiries that I dont recognize. Both from Capital One bank ( XXXX XXXX, and the other on XXXX XXXX ). Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to Credit bureaus about the errors on my credit report three times and always comes back accurate. I know there has been no investigation because I clearly provided them with the credit report the accounts to be removed immediately. The Fair Credit Reporting Act states if any credit report is not 100 % accurate, It must be removed or the business is subject to a {$1000.00} violation. Which I will pursue if these accounts are not removed immediately. Transunion will not give me a copy of my credit report unless I pay for it as the representative of Transunion said to me.I said, I am supposed to get a free copy of my report. The representative hung up on me, which is a violation of the FCRA Law. I am extremely disappointed with how I have been treated, ignored, and deemed as less than for expressing what has been set in place for people like me. I am looking to resolve this in a calm, quick and hassle-free manner without having to escalating my problems further to those willing to listen to me and take my concerns serious. 
15 USC 1681 A 4 : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
Product: Credit reporting 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 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 card or prepaid card

Compared with other problems, this might sound minor, but Citi is being very misleading in how it represents the minimum payment option. There is now a bar graph that shows my full balance of {$2300.00}. It shades a portion to show the statement balance of {$640.00}, as well as another shading to show the minimum payment of {$25.00}. The statement balance shading portion for the statement balance is representative, in that it shades about 25 % of the bar ( {$640.00} is about one-quarter of {$2300.00}. However, the shading for the minimum balance is close to half of the statement balance! Clearly, {$25.00} is nowhere near half of {$640.00} ( in fact, it 's about only 4 percent ). 

To me, this is a clear attempt to trick people in to paying only the minimum balance, with people thinking they are making a bigger dent in their credit balance than they actually are. This will allow Citi to continue to collect interest on a much larger balance, while the consumer thinks he is paying down the balance.
Product: Debt collection

They levied my bank account, without notice. Took monies from my account an my XXXX old son 's account that is attached to my name due to he is a minor. I had payment plans of {$75.00} a month, they said when I called after attacking my bank account an my son 's that they had a problem deducting the {$75.00} which I find interesting considering they just depleting my accounts. They did n't notify me of this issue an stated my mom answered my phone and that it was n't my number anymore but did n't leave a message with her or my voice mail of the issue of taking {$75.00}. They financially devastated me, no monies to feed my kids, gas to go to work, caused checks written prior to funds being taking to bounce like my kids school pictures. I had to tell my son who worked hard all summer to have his own monie that this company took his money. They would n't stop the payment, I said " I had no problems making the {$75.00} '' XXXX XXXX stated at Columbia collections, " I had no problems with that payment either. '' I said I wanted to continue making payments, he stated I had to call him by XX/XX/XXXX. with a plan, I asked what plan, he said a plan or they would do it again. I stated I wanted to continue the payment plan, he stated again to call him by XX/XX/XXXX. They couldn ; 't of had a problem taking the {$75.00} a month. They had access to wipe me out!
Product: Debt collection

back XX/XX/2018 I paid off my XXXX, paid my FINAL bill, and closed my account all in the same day. I do not owe anything to XXXX XXXX XXXX. Looks as if thry did not close my account and still was charging me. I have caller numerous times and never got anything resolved. I have attached screenshots showing all payment and message stating my account has been closed.
Product: Debt collection

The debt in question was from several years previous. XXXX There was no legal action at that time and no judgment etc. filed. Recently ARA Inc. contacted me by phone demanding that I pay that very old debt. The original amount of {$20000.00}. They advised me that they had contacted my bank and other creditors and determined I had the ability to pay. I told the representative that I did not like or were legally able to do so. I was told that it was determined that I was financially able to pay them. They were filing a petition to freeze or attach my assets. I advised them that the debt was very old and questioned about their ability to ignore the statute of limitations or other legal procedures provided by law. I also advised them that my income was fully XXXX compensation. I was ignored and threatened with further legal process and garnishment of my XXXX income. 

Today, XXXX/XXXX/2015, I received another call from ARA Inc. Again threatening me with legal garnishment proceedings. I asked for a copy of the original debt and again advised them that my income was from state and federal pensions. I asked that they provide the legal remedy they were claiming allowed them to garnish and collect my financial funds. They again advised me of legal action would be take. I told them that they were unable to secure my income. I was told that " they would get their money, one way or another. '' I was concerned of illegal and immoral actions to attach my income. As they have all my personal security information I was concerned of Identity Theft or other acts of harassment and possibly violence. Later this day I received, by mail, a demand for payment in full. If I disputed the debt, " this office will obtain a copy of a judgment and mail you a copy of such verification. " This blatant and obvious illegal process appears to be their standard collection practices. There will be more threats.
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.

NAVY FCU 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 XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit Union regarding multiple overdraft fees I have incurred, despite having sufficient funds when transactions were authorized.I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal 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

Your company has contacted me over XXXX times via email about an alleged debt from XXXX XXXX, XXXX in the amount of XXXX. That is XXXX violations, which each violation is {$1000.00}. These emails have resulted in mental stress, which is causing significant inconvenience. Every email came at such an inconvenient time and caused me great anxiety. I have sent a pre-arbitration letter on XX/XX/2023 with no response. I have tried to settle this matter amicably. I will have no choice but to move forward if there is no response to my letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get the free annual credit report from all XXXX  agencies yet was told I could only get XXXX scores, that credit scores were no longer given out unless I purchased : XXXX : Purchase Your One-time Credit Score What You Need to Know : There are various types of credit scores, and lenders use a variety of different types of credit scores to make lending decisions. The credit score you receive is based on the VantageScore 3.0 model and may not be the credit score model used by your lender. Purchase a credit score for {$0.00} ( plus tax where applicable ) by clicking above. 

XXXX : I had to request it via contact Equifax : no credit score offered unless I purchased Isnt the law set up so I can obtain my credit scores one time per year for free? 
Please investigate. 

thanks, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a {$350.00} pay day loan in XXXX. To date, funds are still being deducted from my checking account. I was told my last payment of {$13.00} will be paid on XXXX/XXXX/XXXX. I have paid back over {$2200.00} on a {$350.00} loan.
Product: Credit card or prepaid card

I made a  Barclay   XXXX  credit card payment of {$3300.00} was paid and processed o n    X/XX/2017 .  As of today the payment is not credited to my account.   I faxed them the proofs ( cancelled checks from  XXXX   )  on    XXXX   XXXX    2017.     Emailed o n   XXXX   XXXX  , 2017 for a follow-up Called on   XXXX   XXXX  , 2017, spo ke to a customer service rep (  XXXX  ), asked her for the result. She was very condescending and said " i will have to wait for the results ''. I told her that you 've taken my money for over 40 days and I like to know where it 's at? If she was more helpful and assured me that they will take care of it I would not worry. But now I am worry that my case is not being handled with some urgency to credit my account accordingly.