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

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 as well as 15 USC 6802 Obligations with respect to disclosures of personal information. 

The accounts are as follows : XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX The prementioned companies have violated my rights as follow 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 antedantes the report by more than seven years.

15 USC 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

" I settled the account, and it was removed from other credit reporting scores, but it has not been removed from my XXXX score yet and also my Experian score. Before I opened a new policy with XXXX auto insurance, I paid off the remaining balance of {$120.00}. I chose XXXX because I believe they have my best interests in terms of insurance. Additionally, I have already paid my first month 's bill. ''
Product: Credit card

On Wednesday, XX/XX/2023, I received a Destiny Credit Card offer. I applied and was approved for a credit card with a {$700.00} credit limit. 
On XX/XX/2023, I received an Indigo Credit Card offer. I applied and was approved for a credit card with a {$300.00} credit limit. 
After XXXX, I did not receive the credit cards. So I called the XXXX numbers associated with the credit card companies. 
The customer service representatives for both the Destiny Credit Card & the Indigo Credit Card companies assured me they would report the first cards as lost or stolen and re-issue me new credit cards. 
Today is Monday, XX/XX/2023, and I have never received the Destiny Credit Card or the Indigo Credit Card I was approved and promised. 
To make matters worst, both the Destiny Credit Card & the Indigo Credit Card companies are reporting fraudulent, negative, and inaccurate information with all three credit bureaus. 
Can you please help assist me clear my good name and credit. 

Thank you sincerely!
Product: Debt collection

Since XX/XX/XXXX PayPal over drafted my bank account 14 times even tho I called and told them I would pay the amount as soon as I got paid. Instead they attacked my bank account racked up {$2000.00} in overdraft fees and stolen {$580.00} from my bank account. On top of that still states I owe {$700.00}. Which doesn't make sense cause I only used {$350.00} which they took more than what was used by me. Cause of them overdrafting my account two of my XXXX checks have been eaten up. Wasn't able to pay for my monthly bills. I am a XXXX XXXX   veteran I live off my XXXX and PayPal has ruined my bank account and also made me miss my monthly bills. I was told I would be given a week to pay it back by their customer care but never given that time and was XXXX financially.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an incorrect address that is currently reported on my credit file. The address in question is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is incorrect and should not be associated with my credit profile. To help facilitate the correction, I have enclosed the following documents as proof of my correct address : XXXX. A copy of my government-issued ID ( e.g., drivers license, passport ). 
XXXX. A copy of a recent utility bill or bank statement showing my correct address. 
XXXX. A copy of my social security card Please investigate this matter and update my credit report to reflect my correct address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have this information corrected if it is found to be inaccurate. Please provide written confirmation once this correction has been made. 

Thank you for taking the time to look into this matter. I look forward to your timely response.
Product: Debt collection

A debt collection agency contacted me about a debt owed to XXXX XXXX for the time period of XX/XX/XXXX to XX/XX/XXXX in the amount of {$850.00}. I did not ever live at the address provided which was in XXXX XXXX XXXXXXXX and lived in a different state in the time period during which the fraud occurred. The company notated the debt but is requiring me to fill out this complaint, file a police report, and fax evidence of my residency to them.
Product: Debt collection

ALDOUS AND ASSOCIATESXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX The above collection company is refusing to remove this from my credit report. They are exercising and demonstrating abusive and unprofessional conduct concerning my credit report. I have requested to have the collections removed multiple times verbally, yet they are insisting the collection remains. According to the FCRA, I need the above collection removed off my credit report as soon as possible. 15 USC 1681a.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX Bank XXXX XXXX have knowingly submitted falsified reports in an attempt to collect payments. XXXX Bank XXXX XXXX was paid in full, as stated in the credit report prior to the accounts closure. Despite this, XXXX Bank XXXX XXXX still closed the account and unlawfully transferred the contract. 

Although the original charge-off amount was {$1800.00}, and the debt was fully satisfied, XXXX Bank XXXX XXXX has failed to report the valid balance since XXXX. As a result, XXXX and Equifax have already removed the inaccurate reporting due to its falsified nature, yet the account remains improperly listed with TransUnion. 

XXXX XXXX XXXX XXXX has further violated FCRA ( Fair Credit Reporting Act ) rights by attempting to collect {$2400.00}, an amount well over the original charge-off, even though the account was already paid in full and removed from other reporting agencies. Additionally, XXXX XXXX XXXX XXXX has deliberately marked the account as open, further restricting the consumers ability to obtain new credit. 
Violations Committed : Attempting to collect on a paid-in-full debt Attempting to collect the same debt twice Reporting inaccurate information in violation of FCRA standards Providing false information and refusing to investigate when prompted Failing to verify account details upon request Manipulating consumer data after being contacted Falsely reporting the debt as collectible Required Actions : XXXX XXXX XXXX XXXXXXXX must immediately delete the fraudulent debt. 
XXXX Bank XXXX XXXX must remove the false report regarding the paid-in-full account. 
Both companies should be investigated for consumer fraud and data manipulation. 
Any staff members responsible for reporting and validating these accounts should be held fully accountable for damages caused by the fraudulent reporting since 2019. 
Additionally, the companies failure to properly verify the debt, forcing the consumer to spend personal time correcting these inaccuracies, should be addressed. 

I demand immediate resolution and accountability for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed XXXX  XXXX from reporting inaccurate information several times each time Equifax updated the creditors inaccurate information Equifax removed all of XXXX  XXXX 's reporting information when the creditor should have been removed all together XXXX  XXXX is reporting as a open account when this is not true Equifax is reporting XXXX XXXX inaccurately and refuses to removed this information XXXX XXXX is reporting different amounts to all 3 of my credit reports Equifax is refusing to let me re-dispute creditor XXXX from reporting inaccurate reporting information I have not consented to Equifax XXXX or XXXX  to share any of my information to help creditors report inaccurate information
Product: Credit card or prepaid card

I have an Arhaus credit card. The due date is the XXXX of every month. And the automatic payment can ONLY be set on the XXXX of every month. So I made a payment on XX/XX/2022 ( which is a Sunday ), Arhaus claims that my payment was made on XX/XX/2022 ( which is a Monday ) and then charged me a {$40.00} late fee. 

I am attaching a screenshot showing that the payment was made on XX/XX/2022 and the decision to impose the late fee was made on XX/XX/2022 ( although it was posted on XX/XX/2022 ). 

I talked to customer service several times, one associate said she will remove the {$40.00} fee but then she never did. I called back, and another associate said that fee can not be removed, still citing the reason that I made my payment on XXXX. 

I tried to use the online message portal and my message got denied every time. And the associate asked me to send a USPS mail to them and explain the situation. I think it is their tactic to deter people from reporting these unethical late fees.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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.
Product: Credit card or prepaid card

I have a XXXX through the XXXX  store, which uses comenity bank to process everything. About 3-4 weeks ago, I couldn't log into my account online to view my transactions. There was a message that there was a system update that was taking longer than expected and they were working to correct the problem. 
I moved about three weeks ago and have been trying to update my address on my account, but can't log in because it doesn't recognize my laptop ( my computer isn't set up yet because of remodeling in our office ). Normally, I can have it send a text or an email to verify the device. I've tried several times to have it send me a text or an email and I never get either one. 
Then two weeks ago, my card started to decline when I tried to use it, despite having paid my balance in full on time and not being anywhere near my spending limit. Every time I tried to call the company, I would verify my account, go through several prompts, then be told the office is temporarily closed. I tried the number on the back of my card ( XXXX ), I tried a number I XXXX  for XXXX  comenity ( XXXX ). I tried every day for several days. Finally, I tried a live chat function on the XXXX  website. They told me to call the XXXX number. I repeatedly told them I had already called that number and just got to a message that said " Our offices are temporarily closed ''. Finally they told me to call XXXX XXXX directly and have them transfer me to comenity. I called both XXXX and XXXX before the chat was disconnected. I've tried calling again today with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continue to report on my credit report in violation of federal law. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible.XXXX  XXXX XXXX XXXX : {$33000.00}.
Product: Credit card or prepaid card

Bank of America ( BOA ) allowed and account to opened out of XXXX XXXX using my DOB and SS # with my phone number. The account # ends in XXXX with an outstanding balance of {$3000.00}. BOA # XXXX reference # XXXX I, XXXX XXXX called Bank of America Friday XX/XX/ to let them know that I am not responsible for these fraudulent charges. This account ending in XXXX uses an address out of XXXX XXXX according to BOA. I do not reside in XXXX XXXX in fact live in XXXX. 

On XX/XX/, I reported this account as fraud. I've also contacted all 3 major bureaus.
Product: Credit card or prepaid card

I was alarmed once I reviewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 90 days past due as of XX/XX/2013 60 days past due as of XX/XX/2013 30 days past due as of XX/XX/2013 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Credit card or prepaid card

Credit Card companies have started charging XXXX XXXX fees for the purchase of XXXX. Which is treated as a material item by the U.S. Government. So how can they legally charge the consumer as a XXXX XXXX? When it is not? So i'm being forced to pay the 5 % + the immediate interest rates of a XXXX XXXX as well as the Reseller XXXX is also being charged a fee.
Product: Credit reporting or other personal consumer reports

I had to travel for a funeral and found a company that helps veterans with flight fees. On XX/XX/XXXX I saw on my credit report that the account was showing a 30 days late payment XX/XX/XXXX and 30 days late XX/XX/XXXX. I emailed Monterey Financial Services at XXXX XXXX  XXXX XXXX. Additionally, I called Monterey Financial Services XX/XX/XXXX to ask for this inaccurate information to be updated. I was given a confirmation email stating that if I paid Monterey financial services {$1100.00} ( my remaining balance in full ) they would remove the inaccurate information. Here it is, XX/XX/XXXX, and the account is only showing as closed with still late payments. This is effecting my credit score and my life.
Product: Debt collection

I received a email from Navient to call regarding my student loans. the email stated that I qualify for 70 % of my student loans forgiven. I called the company, The Caller announced herself as a employee of XXXXNavient and proceed to tell me that if I paid off {$1500.00} I could get remaining balanced forgiven. I was in desperate need to move on with my life a get my loans forgiven from XXXX XXXX XXXX. I then made arrangements to do a payment arrangement to pay off this balance. I gave my bank account information to set up payments. The next day I received a call from Navient regarding the past due amount. I told the caller I had set up a payment arrangement with XXXXNavient, Navient by student loan servicer told me this company XXXXXXXXNavient was not association with my loans and the arrangement made was not valid to get 70 % loan disbursed. The have made a withdrawal from my bank and I have since had to close out my bank account that was associated with the withdrawals. They are still calling me from a XXXX number regarding the {$1500.00}. I have even received mail form this company about my student loans.
Product: Debt collection

I informed Central Financial Control & provided Police report, this debt is not mine and collection activities should seize, despite their response that they would seize collection activities, they are still attempting to get me to pay this debt which is do not owe. 

the threats they made are a violation of FTC rules and continued efforts to collect on this debt is a crime, it is not owed by me and they failed to provide me proof or identity presented on day of
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately The infractions are as follows : XXXX XXXX Alleging Creditor and Account as is reported as having a late payment my credit report : XXXX XXXX offs never have late payments attached to them because they are late by default. XXXX has XXXX late payments attached to it The date opened- not correct almost the 3 bureaus High Credit Amount -not correct almost the 3 bureaus Last reported date-not correct almost the 3 bureaus Last active date-not correct almost the 3 bureaus Date of last payment-not correct almost the 3 bureaus Charge offs should never have past due amounts.. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory account be investigated and permanently removed from my report. 
I await your reply with the above requested proof.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$17.00}
Product: Debt collection

I received a letter from a debt collector todayXX/XX/XXXX saying that They are collecting a debt from XXXX  an ambulance ride from XXXX hospital to the other. I thought that it was all taken care of because I paid off all of my debt to the best of my ability. I didnt hear from the ambulance company so I assumed that it was written off.
Product: Student loan

I noticed that there are still four ( 4 ) private student loans that Navient is reporting to all 3 major credit reporting agencies : XXXX, XXXX  and XXXX  and is appearing on my credit report. I do not believe the information is being reported accurately, is not complete information and is not verifiable. I disputed all four private student loan accounts with all 3 of the credit reporting agencies several times, and they said the information has been verified and/or updated by Navient. 
The date opened, date closed, date of last activity, date of last payment, high balance, monthly payment history status, etc. are appearing different on each credit reporting agencys report and some of that information is not appearing at all. 
These inaccurate unverified accounts and information that is being reporting by Navient has also caused me to be denied credit, is negatively impacting my creditworthiness and my credit score. 
I called Navient 's number listed on my credit reports ( XXXX XXXX XXXX in the afternoon of XX/XX/XXXX to verbally dispute the accuracy and completeness of the account information being reported and spoke with 2 people in 2 departments. Neither of the people I spoke with were able to locate any information about the private student loan accounts that are appearing on my credit reports. They said they can not see any record of any private student loans in my name. I provided them with all identifying information requested to try and locate these accounts. The found a profile for me as an individual, but no visibility of any private student loan accounts associated with my identity. 
I sent a certified mail letter ( attached ) similarly worded to above that was confirmed to be delivered to Navient on XX/XX/XXXX ( USPS delivery confirmation attached ). Navient did not respond or acknowledge my dispute with them in any way, nor did they inform mark the disputed accounts as disputed on any of my 3 credit reports. 
Since Navient has exceeded their required response time of 30 days AND did not indicate the dispute status on my credit reports, I believe they are out of compliance with their obligations as a furnisher of information per the Fair Credit Reporting Act and likely are violating my rights as a consumer. 
Navient can not legally report accounts to a credit reporting agency if none of their employees can locate any information about the accounts existence to verify.
Product: Credit card or prepaid card

Sent notice of billing errors via certified mail with return receipt XXXX XXXX To Capital One credit card request an investigation into billing errors and the use of my social security number. Also see attached documents
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello, I had a debt that originated with XXXX and it was paid, but I am receiving notices from other companies that I still owe on this debt. There has now been a collection from XXXX of these companies ( jeffersons capital ) in the amount of {$8500.00} and this is incorrect. 
I have tried to dispute this but jeffersons keep assigning the account to an attorney. 
I can no longer verify this debt due to XXXX being out of business. 
I believe the information is falsified and inaccurate. 
I would like the collection on my account deleted and removed from my credit file. 

Thanks in advance! 

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

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report nd Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

Account name XXXX XXXX XXXX XXXXXXXX, Account # XXXX Account name XXXX XXXXXXXX XXXX  Account # XXXX, Account Name XXXX XXXX XXXX XXXX Account # XXXX, Account Name XXXX XXXX bankruptcy XXXX Reference # XXXX has violated my rights. 
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