23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was charged a late fee with Target for not paying my payment on time. It was due the XXXX and I paid on the XXXX but it was after XXXX. I was not aware there was a cut off time. I called in reference to my bill because of this. I had a due amount of my regular monthly payment and the {$27.00} dollar late fee. The customer service person said sincnce I had a good record with them and was not aware she would credit back the {$27.00}. I assumed then since she took off the {$27.00} I know longer owed it and paid my regular payment. Then my next statement said I did not pay all due and charged me another {$27.00} and a {$38.00} fee. I called about this and he said even though they took away the {$27.00} dollars I still had to pay it. I did not understand and asked to dispute it as now they say I owe next payment {$110.00} dollars. They said I could not dispute this. I was very upset and became emotional and cried. He then set me up on a plan so that instead of owing my next payment {$110.00} it would be {$83.00}. I was crying as I was so upset. I told him they were XXXX over the customer and that who would not think if the late fee was credited why would a person still have to pay it. Then they really did not credit it. I still do not understand this entire handling of my account. Can you assist. Do I have any recourse?
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX DOB : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I have lived at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX for five years and I have never lived in these addresses reported on my FICO report. Please consider this a formal request to investigate and correct the following ( 6 ) inaccurate addresses on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of XXXX. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record. The following addresses listed below : XXXX. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Debt collection

I am requesting DELETION of the collections from AFNI, INC On XX/XX/2019 and XX/XX/2019, I returned equipment that we rented from XXXX that is worth approximately {$550.00} in balance ( could be {$540.00} according to the XXXX phone representative ). XXXX received the equipment and told me in the store on those dates that any balance owed to XXXX is now a XXXX balance and that they will make sure that my account reads XXXX balance to all associated departments. 
2. On XX/XX/2019 I received an alert from XXXX and XXXX that a Collection from AFNI was added to my credit file for a debt owed to XXXX for {$550.00}. I also saw that it was reported by them on XX/XX/2019. On the debt they reported that is owed to XXXX it stated that the balance date was XX/XX/2019. That is at least thirty-five days ( 35 ) after I returned ALL equipment to XXXX XXXX in XXXX GA store and have a XXXX balance in the XXXX location. 
3. This ERROR in their system that caused this problem occurred within their system. 
4. I received no warning that after I returned the equipment to XXXX that this collector named AFNI Inc. would post a debt that does not truly exist toward XXXX on my credit file with the Credit Bureau. Even to, there is NO debt owed to XXXX on and AFTER XXXX XX/XX/2019 because all equipment was returned to them in and AUTHORIZED EQUIPMENT RECEIPT LOCATION, an XXXX XXXX XXXX ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, GA XXXX - ( XXXX ) XXXX ), as evidenced by the receipts ATTACHED and the correspondence from them that I include. I have ALSO included the business cards of the representatives I dealt with PERSONALLY in the store. I have, with due diligence, recorded all communication with XXXX and my attempted communication with AFNI Inc . The attempted communication with AFNI Inc. proved useless, but it is recorded, and they were not helpful. XXXX conceded that it was XXXX ERROR / fault and I have it on recording conversations between themselves at the store in XXXX GA and XXXX customer service. They are also sending more information to me in connection with this apology and have stated that they will try to correct it also. It has caused me significant damage for the report of a recent collections on my credit file to my business dealings of such an insignificantly small amount of money that represents such recent activity of fiscal irresponsibility.
Product: Student loan

During my repayment to EdFinancial Services I have attempted to make monthly payments from two different banks, one a local credit union, and one a major national bank. Once EdFinancial Services accepts my payments they are " reversed '' within a few days, I talked to customer service at EdFinancial Services and they were only able to say that I must have an issue with my bank and their fraud department. I have contacted my bank following that and told them that I wanted to submit the payment and had in fact authorized this withdrawal from my account. EdFinancial Services now says that I have missed three consecutive payments due to them not keeping my money after I have submitted it.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to highlight significant discrepancies, mismanagement, and potential violations of the Fair Credit Reporting Act ( FCRA ) regarding my XXXX XXXX account. This complaint pertains specifically to XXXX handling of the account reporting status, including inconsistent and misleading information provided to the credit bureaus, despite XXXX own statements about the accounts status. 

XXXX. Verizons Acknowledgment of Written-Off Status On XX/XX/XXXX, XXXX, an Executive Relations representative from XXXX, XXXX via email that this account was " written off '' on XX/XX/XXXX, and transferred to Convergent. However, XXXX actions do not align with this statement. Verified information from the collection agencies shows different assignment dates that contradict XXXX 's account. Specifically : XXXX. Ongoing Reassignments to Collection Agencies Post-Write-Off Despite being written off, XXXX has continually reassigned this account to multiple collection agencies without selling the debt. This series of assignments without an official sale indicates that XXXX retains ownership of the debt and is solely responsible for the reporting. Here are the assignment details for reference : XXXX XXXX : Assigned XX/XX/XXXX XX/XX/XXXX XXXX  : Assigned XX/XX/XXXX XX/XX/XXXX XXXX : Assigned XX/XX/XXXX XX/XX/XXXX XXXX : Assigned XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX : Assigned XX/XX/XXXX Present The ongoing transfer of the account to different agencies after it was written off raises questions about Verizons reporting practices and compliance with industry standards. Once an account is written off, it is customary to cease reassignments or clearly document the sale of the debt. These reassignments indicate a lack of accountability and transparency. 

XXXX. Reporting Discrepancies Across Credit Bureaus Each credit bureau displays this account differently, further adding to the confusion. 

XXXX categorizes it as a Collection account with no indication of charge-off status. 

XXXX lists it as both Open and Collection with an active balance, even though the account has been closed. 

Equifax also lists it as a collection account, not reflecting the supposed written-off status. 


The lack of consistency across these reports is not only misleading but likely violates FCRA standards for accurate reporting. By failing to update the status to " charge-off '' as XXXX from Executive Relations stated, XXXX appears to be inaccurately representing the account status to the credit bureaus. 

XXXX. Non-Compliance with FCRAs Requirements for Accurate and Consistent Reporting Under the FCRA, consumer information reported to the credit bureaus must be accurate and complete. XXXX current handling of my account reporting does not meet these standards, given the contradictions between its internal communications and the credit bureau reports. This lack of transparency and proper updating misleads potential creditors about the true status of my account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I received a fraudulent hard credit inquiry from XXXX XXXX XXXX XXXX XXXX was not able to locate any application for credit with my provide SSN. But, I need to have the hard inquiry removed from my credit file.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC XXXXb regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
The Fair Credit Reporting Act ( 15 U.S. Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the federal reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 b a creditor may not treat a payment on a credit card account under an open and consumer credit plan late for any purpose
Product: Debt collection

I have recently been looking into repairing my credit. While doing so, I came across a collection on my credit from Ability Recovery Services which stated that I have a balance of {$2400.00}. I have no knowledge of this debt, It has been on my credit reportedly since XX/XX/XXXX. I have not received one letter or call about this debt. On XX/XX/XXXX, I sent a certified letter requesting the validation of this debt. On XX/XX/XXXX is when they sent me a letter responding with a breakdown of charges related to this debt, no contract binding by me and this creditor, no signatures exchanged, or nothing of the sort. I am not aware of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter to the 3 consumer reporting agencies ( XXXX, XXXX, Transunion ) to remove the bankruptcy that is on my credit report because it is reporting inaccurate information. 

They responded my saying it is verified. 

XXXX said it was verified through XXXX XXXX. 

As a CONSUMER I have the RIGHT to privacy. 

15 USC 1681-CONGRESSIONAL FINDINGS ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 USC 1681b- Permissible Purpose of Consumer Reports I did not give them any instruction in writing to furnish this information. So if I didnt give any written instruction, why did they put this on my credit report.

15 USC 1681c ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases 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, as the case may be, antedate the report by more than 10 years. 

Also if XXXX, XXXX, Transunion, XXXX XXXX have the reference/case number wrong. I have the right to 100 % accuracy reporting. 

Case number : XXXX XXXX : XXXX XXXX : XXXX TransUnion : XXXX
Product: Money transfer, virtual currency, or money service

I signed up for a Skrill Wallet on XX/XX/2021 to be able to play on a site called XXXX XXXX XXXX XXXX, XXXX. I was a little apprehensive about using Skrill when it wanted me to link all of my Banking login credentials to deposit money on the XXXX website. So XXXX accepts Debit and Credit card deposits on their website so I opted to deposit with that method instead. 

On XX/XX/2021 I was playing on XXXX and ended up winning {$900.00} and decided immediately to cash out my winnings. Well, XXXX " recommends '' to cash out your winnings using Skrill. But in order for me to cash out I needed to successfully make a deposit with my Skrill account into my XXXX account. So I decided I would link my bank account to it and make a {$4.00} deposit so I can cash out my {$900.00}. That first transaction was declined ( not at all sure why they denied it ). Then I attempted another purchase of {$4.00} ( I had adequate funds in my account to cover both of the {$4.00} purchases ) The second deposit of {$4.00} successfully completed ( Transaction ID : XXXX ) and I sent XXXX a picture of my government issued ID as well as a utility bill in my name on XX/XX/2021 to complete the Identity Verification process with XXXX. 

After I completed and submitted all of the above requirements to cash out to my newly opened and verified Skrill account. I was able to request a cash out from XXXX. I did that on XX/XX/2021. I ended up only wanting to cash out {$460.00} due to playing more on the XXXX website. I had a pending {$460.00} transaction up until XX/XX/2021 then I received a very vague email from Skrill saying " Skrill Payment Successful '' ( Transaction ID ; XXXX ). 

I immediately checked my Skrill account expecting my funds to be in the digital wallet for me to transfer. I was wrong the funds were not in there nor even any pending transactions logged in my Skrill account. Not even the {$4.00} transactions that failed and the one that went thru? 

I am unable to reach anyone from XXXX or Skrill regarding what is happening with this missing {$460.00} or how to even unlink my checking account that I fear could turn into more fraudulent issues with Skrill having access to it.
Product: Money transfer, virtual currency, or money service

Recorded the following scam text from the following number XXXX You just sent XXXX a payment of {$10.00} USD. If you think you didn't make this transaction, Log in to PayPal '' XXXX XXXX XXXXXXXX '' PP-ID : XXXX This is a fraud and phishing scam
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a copy of the Experian credit report picture. Ive already disputed this account and Experian keep saying verified ... I have attached an image of this. 
- This account is not my account. I have NEVER had a student loan. This is an error and Experian and XXXX XXXX XXXX  does not fix this. 
-According to 1681 ( i ) ( a ) of the FCRA.. Experian is supposed to investigate this account and even go beyond the what XXXX XXXX XXXX  says. There is NO contract, signatures, correspondence.. NOTHING for me and these people. 

I am trying to move currently and this account is affecting me and my family. I have copies of being declined a new apartment. Please remove this quickly. I am suffering with my reputation and suffering financially. 

Experian is the only bureau showing this account. See Attached
Product: Debt collection

Most recently, this company has sent a letter to my mothers house stating that I owe money to a place called XXXX XXXX XXXX, XXXX, which I have never heard of before, but I owe {$1500.00}. I have not lived at my mother 's house in over 5 years and she should not be receiving any of my mail. This company called me : XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  XX/XX/XXXX at XXXX XXXX  Each time they have called, my phone has blocked the number for potential spam and I have not answered any of their phone calls.
Product: Student loan

I had gotten a letter from the collection agency to contact them by a certain date, I have tried repeatedly to contact them and no one answers or calls back. Now they are offsetting my wife 's share of the taxes and she isn't responsible for my student loan, I didn't even know her back then.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit reporting agency refuses to remove incorrect information on my report. Experian is also reporting the wrong Social security number on my credit profile, and reporting accounts attached to a SSN that is incorrect The following companies has violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction 1 ) XXXX XXXX ) XXXX XXXX 3 ) XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX XXXXXXXX 11 ) XXXX XXXX  12 ) XXXX 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: Credit reporting or other personal consumer reports

I have submitted an FTC report concerning these XXXX fraudulent accounts to be deleted from my credit files with multiple agencies! You will find a attached PDF file containing these accounts which needs to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

Some one has made many accounts using my identity and accumulated much debt on my credit report I don't know what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th venture 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 an alleged fraud or extortion. 
XXXX XXXX Balance : {$5700.00} XXXX XXXX Balance : {$6100.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$80.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$84.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Investigation Request Letter To Whom It May Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and i noticed a few accounts that i wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had the rights to challenge anything I am not sure is accurate. Some of the people reporting things on me I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C Section 1681 ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not 100 percent accurate and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Accounts : Account Name : XXXX Account Number : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Opened : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

I also read where i can get the updated report after you investigate this. Could you please send me a copy of my credit report after this is done? Also please let me know who had access to my file as well. I want the investigation outcome to be sent to my address which is at the beginning of this letter. 

Thank you, XXXX XXXX XXXX Account XXXX :
Product: Debt collection

I called CREDIT COLLECTION SERVICES on XX/XX/2024 in regards to an account that is being reported on my consumer report to notify them of the blatant violations of my right to privacy, 18 USC 894, 15 USC 1692b ( 5 ) ( Acquisition of location information ) ,15 USC 1692j ( Furnishing certain deceptive forms ) 1692e ( 8 ) ( 10 ) ( False and misleading representation ). Upon speaking to a representative, I requested full disclosure of the accounts and the alleged debt. I also asked to speak to someone whos competent enough to comprehend the severity of the infractions.

33 months of inaccurate and negative reporting