23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Contacted by phone from " Franklin Associates '' regarding a settled debt. 
Despite providing No proof of debt ownership, threatened arbitration if I didn't pay XXXX USD Franklin & Associates Processing Department XXXX XXXX XXXX Demanded I pay. So I did onXX/XX/XXXX ... 
Now they are extorting me a second time by attempting to charge me a second time onXX/XX/XXXX The website XXXX has been under construction for at least that long, now. 

I believe I was scammed once and they are attempting to scam me again.
Product: Credit card

I sent a payment of XXXX to Citibank via usps priority mail on XX/XX/XXXX. It was picked up, then cashed by citibank on XX/XX/XXXX. 

I called XX/XX/XXXX to find out what was going on and they opened a dispute. They said it would take 30 to 90 days but she was removing that amount from the account. 

The payment was not applied to my account as of XX/XX/XXXX. And I'm still being harassed by calls and emails. I called to see why. The customer service rep found no indications of a dispute being opened. There were no notes on my account at all. She refused to help figure out why and said a dispute would take 60-90 days because they were busy. I tried giving her information but it was obvious she did not care. She said my acct was still past due and I needed to pay an extra XXXX or so dollars. I made a XXXX payment and had a copy of the cashed check but again she didn't care. I dont have extra money now. I told them to stop calling but she refused without deleting my phone number from the account completely. The dispute people had said I had to keep the phone number so they could identify the check and verify my account. I'm being given the run around.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/XXXX to XX/XX/XXXX 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 Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Please review and I urge fallowing errors, inconsistencies, inaccurate and omissions I was able to find on my reports According to the FCRA you must have the most possible accuracy As shown clear is and apparent that this doesnt meet the standard required under the FCRA The data of last delinquency is required to be shown and is not showing in this report Please delete this account as it violation of FCRA The account field is inconsistent as although this is just one account credit bureau are showing different numbers XXXX shows the account number with 4X appended to a number and Experian is also showing an account with the 10 X appended As I can not validate the account or multiple accounts According to the XXXX you it is required field and should show the individuals complete and unique account information from the file This can not meet the requirement of maximum possible accuracy please delete the account The Last Activity Field is XXXX  XXXX this is just one account Credit Bureau are showing different dates XXXX shows XXXX and Experian is showing XXXX I am not sure how a single account can have different dates for the last activity field wouldnt any notation of last activity I dont think this is a stay well or meets the FCRA standards retro obtained maximum possible accuracy Please dele this account The high balance Field is inconsistent as although this is just one account the Credit Bureau are showing XXXX shows XXXX and Experian is showing Blank Please send me a explanation as how a single account can show different values Something called high balance should be the same Please delete the account The payment history information field needs to be investigated and either completely fixed or this account should be removed in its entirety XXXX is missing All payments information from the date this account was opened in XXXX This means my account could miss 5 years of excellent credit history Your own internal and industry accepted guidelines both rely both all accounts to be reported at least one every 30 day Experian I noticed after you start reporting on this account there was a missing data Any missing data is a violation of FCRA as the information affects my score Please investigate the data for the following months that are missing information XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Payment History is XXXX  I was 30 days late on XX/XX/XXXX I dont have any records showing this Please remove the account unless you can see me something proving I was in fact late on this account
Product: Prepaid card

I was charged atm fees and when I reported fraud they locked my card and when I called they never answered the phone or hung up on me I had to transfer my benefits to a chime account
Product: Debt collection

I was working for a Massachusetts XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MA XXXX XXXX, when i was provided a credit card issued by American Express by owners of XXXX to use for buying for XXXX. This XXXX defaulted some last bill. I was contacted instead of XXXX owners and forced to pay and settle as it was reflecting on my credit report. My repeated requests are not entertained or responded till date that I don't own this debt personally and this should be removed from my credit.
Product: Credit reporting or other personal consumer reports

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have encountered. Despite having sufficient funds when transactions were authorized, I was charged fees due to late posting of credits and charges. 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 and know the practice are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

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


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX Account Name : XXXX OF XXXX # XXXX Account Name : XXXX  XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX - XX/XX/XXXX RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/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 XXXX 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

Hello, Please see attached for the dates and name of companies that have inquires on my credit reports. I have disputed them with the creditors and credit bureaus with no resolve. 


XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CREDIT TECHNOLOGY INC XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX date : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CREDIT TECHNOLOGY XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX CREDIT TECHNOLOGY INC 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  XX/XX/XXXX CREDIT TECHNOLOGY INC ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 have disputed an account with XXXX XXXX XXXX that was paid in full on XXXX XXXX. The last reported date from the company was XX/XX/19. Upon receipt of the dispute the company, Transunion LLC sent notification that the dispute was being investigated. I received a notification that my dispute results were ready to view. Once logged into the portal, I was unable to view them. I called the company on XX/XX/19, asking to dispute the account, the representative explained to me there was no record of the account on my report. This is rather frustrating I am in the process of buying my first home, and I would like for my report to reflect my ability and willingness to pay on time.
Product: Checking or savings account

Ordered health supplements ( pills ). Was hit with {$35.00} shipping fees. Paid with Zelle from XXXX XXXX. Was then told that order could not be shipped until " refundable fee '' of {$250.00} was paid for insurance. Pills and shipping were XXXX but couldn't be sent because the " insurance '' had to be paid first. Bait and Switch. 
Email lists no names, addresses, phone numbers, etc. No professional payment forms, etc. Is using names similar to legitimate businesses. For example : XXXX XXXX XXXX out of XXXX ; The XXXX XXXX used for The XXXX XXXX XXXX ; uses Telegram channels for XXXX XXXX XXXXXXXX XXXX XXXX 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Just a quick message to everyone that has paid, your package has been dispatched for delivery. Orders within XXXX, XXXX is currently 24hours-3days maximum while XXXX is 5-6days with a tracking ID provided. Drop your orders for following meds Order Ivermectin For XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Click the website to order https : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- As soon as I complained about the BAIT & SWITCH, I was blocked from that channel. Doubt if it was a legit channel for XXXX XXXX anyway.
Product: Credit reporting or other personal consumer reports

Transform CreditXXXX and XX/XX/2023 credit inquiries, along with ( XXXX ) {$5.00} transactions in XXXX and XX/XX/2023 in my bank account. I had called and emailed them and I got no response
Product: Credit reporting, credit repair services, or other personal consumer reports

PNC Bank is reporting account number XXXX as 30 days past due in XX/XX/2021 when that is not accurate. I have never been late on this account. They did close the account but I have never missed a payment. According to the Fair Credit Reporting Act and FACTA, they must report accurate information and with the CARES Act, I am protected from any negative reporting.
Product: Debt collection

Im a consumer submitting this complaint on the behalf of myself without any influence from any third party being involved. Fraud has been committed on my consumer report, which violates the FCRA and FDCPA. 
ABSOLUTE RESOLUTIONS INVESTMENTS , LLC is using extortionate means to collect on alleged debt. I do not owe that result from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. 
This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ). 15 U.S.C.1692 ( G ) Section 809 ( B ). 
THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210. 
This authenticated record must include all tax filings ( including all 1099s, 1096s, and 1098S ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. 

I have a right to this information, as its directly associated with the reporting activities.
Product: Checking or savings account

Capital One 360 has not gave me my rights as a citizen of the XXXX, to let me spend my or use my Capital One 360 Account since I open it, the excuse they gave me was I was not XXXX XXXX, I was a FRAUD And I answered all the questions correctly and they still denied me my account, for over 6 years. I think it 's been over 6 years
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Lexis Nexis on illegally obtaining a bankruptcy without my permission under consumer law code 15 usc 1681c ( a ) ( 1 ) and it explains Information excluded from consumer reports. This law also states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 15 usc 1681b Permissible purposes of consumer reports. This violation states that without written permission from the consumer ( me ). Lexis Nexis is a consumer reporting agency that violates all consumers.
Product: Vehicle loan or lease

XXXX XXXX XXXX XXXX traded XXXX XXXX XXXX XXXX XXXX for a XXXX XXXX XXXX thinking I was gon na get a good deal. I did not the XXXX  was off my hands, but I still have problems with the XXXX XXXX XXXX it had water damage and electrical problems and I asked that the XXXX XXXX XXXX get picked up after months practically two months of having a car and patching up the water damage. The lights wouldnt go off inside the car and I had had enough so I gave up my rights to driving because I had such a bad deal with the with the vehicle the VIN number. Is XXXX XXXX XXXX XXXX XXXX. The last person that owned the car contract was in the glove compartment. She got it from XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX and I see her payments were {$380.00} XX/XX/XXXX they sold me the vehicle with the 19 Point two interest rate for XXXX XXXX  monthly payments. The other drivers name is XXXX XXXX and she had a cosigner XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and then there was another name here. I dont know if its XXXX Other name XXXX XXXX XXXX with the same address.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in an XXXX XXXX XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character, and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnisher people 's information to 3rd party companies, so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately.
Product: Checking or savings account

From direct deposits being rejected to having the account closed unexpectedly ( customer security intake rep was extremely rude ) to waiting since XXXX XXXX, 2017 to receive a check for what was left in the account, it has been a nightmare and I could never recommend capital one bank to anyone, based upon my own experience. I 've also left several messages for the customer security intake team since XXXX XXXX to find out why my check has n't arrived. I 've yet to receive a call back. I had to speak with a supervisor just for her to tell me that a check was n't sent out until XXXX XXXX. I finally received the check on XXXX XXXX and dated XXXX XXXX. The check also indicates that, I requested closure of the account which is a complete fallacy. I was never told why my account was closed.
Fast forward to today, XXXX XXXX and I am having trouble cashing the check. I just left another voicemail for the security intake because the representative in customer service says that they are the only department that can verify funds. The XXXX XXXX XXXX will not cash the check because they say Capital One has a history of returned checks and that they could n't get anyone on the phone to verify the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Received a telephone call at approximately XXXX XXXX  ( EDT ) from a gentleman representing himself as an agent for XXXX XXXX XXXX. He stated he was calling to follow-up on an inquiry I had made regarding debt consolidation. I had to ask for the gentleman to identify himself repeatedly. He claimed I had made inquiry about debt consolidation with Sequium and he was calling to verify my account information. I told him I had not made such an inquiry and wanted to know where he had gotten my phone number. I told him I would not give him any identifying information over the phone. The next day, I received a notice in the mail stating that Sequium was a debt collector and an account was sold to them for collection purposes. The caller misrepresented the purpose of the phone call by claiming to be a debt consolidation company and did not advise that he was a debt collector attempting to collect a debt and that all communication would be used for that purpose. He lied and was deceptive in his statements about being a debt consolidation company. This is a clear violation of the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unable to get my free Equifax free credit report. I tried online and was rejected because I got one of the answers incorrect. I called them and told them about this issue. I got a supervisor and they indicated that they would send out a credit report to me by mail. They also told me that I could get on to myequifax.com and view my credit report. Every time I try to get on it tells me to try back later. I have called them about 10 times and they say they will fix the error. I have received several messages saying it is fixed and I can log on. I still get the same error. Every time I want to talk to them about this it takes about 20 minutes. I have gotten 3 messages sent to my email account and several agents have also sent reset commands. They have not been able to fix this issue and I am tired of calling them to hear there excuse. To my knowledge I have never been able to log on. When I do, I need to get a new password. When I do this it is not accepted and I am told the process is temp unavailable.
Product: Mortgage

My mortgage company foreclosed on my home after Ifiled complaint by way of case # XXXX. After I filed acomplaint in XXXX, 2015, I still did not receive anycommunication from Nationstar Mortgage and theyforeclosed on my home without giving proper notice.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate late payment reported on my credit report related to the account referenced below. This late payment is entirely inaccurate and must be removed immediately. 

XXXX ( XXXX late payment ) - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX late payments ) - XXXX Upon reviewing my credit report, I discovered that this late payment was reported in error. I have consistently made on-time payments for this account, and there is no justification for this negative mark. Under the Fair Credit Reporting Act ( FCRA ), you are legally required to report only 100 % accurate information. Since this late payment is incorrect, you are obligated to investigate and remove it from my report immediately. 

To support my position, I have attached the following documentation : Payment records showing on-time payments Account statements confirming payment history Any additional evidence disproving this false late payment