23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I reported the below XXXX items at least 7 times to Fraud Dept. immediately and never received the credit : Confirmation numbers of reported the Frauds : XXXX done with XXXX XXXX, XXXX Manager, XXXX done by XXXX, I also spoke with XXXX XXXX in Fraud Dept., And I sent a Facsimile. 
Again, I have the original documents with notes : XXXX XXXX XXXX, XXXX, CA XXXX/XXXX/XXXX {$54.00} XXXX XXXX XXXX, MN XXXX/XXXX/XXXX {$29.00} XXXX XXXX/XXXX/XXXX {$23.00} Although I reported these immediately no credit was issued. 
I have original documents and above are some emails sent to the prior manager, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I opened a XXXX business mastercard the company has discontinued the card it is a business card and should have only been reporting to my business credit now the new servicer has began reporting to my personal this debit should only be reported if delinquent and I have never missed a payment
Product: Consumer Loan

Union Bank IT employees continue to " Cancel, Stop, Change '' Bank Fraud Alerts, Overdraft Protection Alerts, Deposits and withdraws.
Product: Credit card

This is not a PayPal.Credit Card. But, this is a PayPal Debit Card that I was expecting since XX/XX/2023. But, the PayPal Card never came in the mail. The PayPal App won't allow me to make screenshots of their errors which is shady. If I want to be paid for selling items, I can't be paid or money would held up. No matter what password I create, following their rules of password creation, for login, I can never login to their system. So far, I reported this to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint ID against PayPal is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax falsely denies receiving my notice of intent to sue in regards to the attached complaint. 

Equifax is insistent upon wasting administrative and judicial resources instead of a simple admission of receipt. 

Attached is a Fax Delivery Confirmation indicating that Equifax is in receipt of said intent to sue which includes an intent to sue. 

Sending this via regulatory proxy so that Equifax will cause further injury to it 's claim if it falsely continues to insist that said Notice of Intent has been received.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.
Product: Debt collection

To Whom It May Concern, Several months ago I viewed my credit reports and noticed a collection from Radius Global Solution for a XXXX XXXX debt. Although I returned the equipment to XXXX XXXX at their request, they did not update my account to a {$0.00} balance and a collection hit my reports. I called Radius Global Solution and the agent advised me that it would be better to just pay the debt and the collection would be removed from my reports. So, that is what I did. Rather than continue to dispute it, I took their advice and paid it. But, to date, the collection has only been updated to a {$0.00} balance and has NOT been removed.
Product: Credit card or prepaid card

On XX/XX/2022, I applied for a credit line with XXXX. I completed the application and received a message that read : " We require additional information. '' With that, my browser crashed and I could not get back to that screen. I called and tried to get answers. Over 2 hours, I was disconnected 3x, transferred around, and given conflicting information. 

I wrote to the office of the president and never heard anything back until today. I received a voicemail from someone claiming to be XXXX. She left a phone number and an extension. After trying that number 3-4 times, I still could not get through. 

I called and spoke to a manager and she said there is no record of my application at all. When I asked her why I showed the inquiry but they don't have the application, she could not answer. She also said she could not tell me how to remove the inquiry. 

So after nearly 2 weeks and hours on the phone, I still have no idea what the status of my application is. They asked me to re-submit it but now, my credit score is lower due to their mishandling of the application.
Product: Checking or savings account

So my brother and sister in law were living with me and they stole my account information/the card and used it to make multiple transactions as well as doing the same to my grandmother. We've both filed police reports and pressed charges. When I first spoke to a representative I was told a police report was all I needed for this to be open and shut. I've now spoken to XXXX different representatives and been told different things from them all. They've denied my claims for ungodly stupid reasons. Because a transaction was made by one of them at a store I shop at due to its location being mere blocks from my apt they said it was a valid transaction. Even though I don't see how they don't see its plausible they could of walked there and made the transaction unbeknownst to me since it's like a XXXX minute walk. They said they see a pattern and it's a possibility it wasn't fraudulent yet I have detectives telling them this absolutely happened so my detectives/absolute statement is somehow trumped by their potential pattern recognition. Keyword potential. Not absolute. How does potential XXXX absolute? Absolutely ridiculous. I did everything I was told to do and got denied. Yet my grandma got her money back. Same bank. Different accounts. Same scenarios. But I'm denied and she wasn't. It makes no sense. Now I'm going to get evicted because I can't make rent due to this money being taken and not returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a response to a dispute that I made under FCRA 611 ( a ) regarding erroneous items on my credit report involving a transaction with the accounts below. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX , OH XXXX. 

Account # XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , OR XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX XXXX , XXXX XXXX XXXX, XXXX , FL XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX  XXXX, XXXX   XXXX, XXXX XXXX XXXX XXXX, XXXX , MO XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX   XXXX , NY XXXX Phone : ( XXXX ) XXXX. 

Account # XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX , NV XXXX. 

My dispute was clearly submitted on XX/XX/XXXX. It took you 46 days to provide these inaccurate results. According to the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. If they do not, they are in violation of the FCRA. 

Please delete these erroneous accounts so that I can finally put this issue to rest. Thank you.
Product: Credit reporting or other personal consumer reports

XXXX XXXX : XXXX. Correction of Reported Information : The account with XXXX ( Account Number : XXXX ) was charged off as bad debt and listed with a balance of {$3500.00} in XX/XX/2014. However, the status of the account shows a profit and loss write-off with a balance of {$0.00} in XX/XX/2014, but no further updates or resolution have been provided. I request that this information be updated to reflect an accurate balance and status based on any settlements or agreements, if applicable. 
XXXX. Verification of Charge-Off : The account shows a charged off status, and if any resolution was reached after that, I request that it be reflected in the credit report, including the date of final settlement or payment ( if applicable ). If no settlement was made, the account should indicate that it was charged off and correctly show a {$0.00} balance if it has been paid. 
XXXX. Removal of Negative Impact : If the accounts charged-off status is inaccurate or unresolved, I request that it be removed from my TransUnion Credit Report XXXX If the charged-off amount is valid, it should be updated with the correct terms, including any payments or agreements made after the charge-off date. 
XXXX. Updated Credit Report : Once corrections are made, I request that TransUnion provide me with an updated credit report showing the correct status of this account, including whether it was paid off, settled, or accurately marked as charged off. 
XXXX. Written Confirmation : I request written confirmation from both XXXX and TransUnion that the necessary corrections were made, and the account was reviewed for accuracy. This confirmation should include an explanation of any updates made to the report. 
XXXX. Compensation for Damages ( if applicable ) : If this charged-off account has caused any negative impact on my credit score or resulted in denied credit or unfavorable terms, I request compensation for any damages resulting from inaccurate or unresolved reporting.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Dispute of Inaccurate Late Payments Reported for XXXX XXXX XXXXXXXX Account To Whom It May Concern : I am submitting this formal dispute regarding inaccurate late payments reported on my XXXXXXXX XXXX  XXXX account. This complaint specifically pertains to the credit file maintained by XXXX, XXXX, and Equifax. I have identified significant discrepancies and errors in the reporting of late payments, which misrepresent my payment history and violate federal laws designed to protect consumers. 
Nature of the Complaint : Inaccurate Late Payments : Equifax : Reports a 30-day late payment for XX/XX/XXXX. 
XXXX and XXXX : Report a XXXX late payment for XX/XX/XXXX. 
I assert that these late payments are incorrect. I have consistently made my payments on time, as confirmed by my autopay enrollment for this account. 
Discrepancies in Account Information : High Balance : Reported as {$2500.00} by XXXX and XXXX, but {$0.00} by Equifax. 
Payment Amount : {$64.00} ( XXXX and Equifax ), {$100.00} ( XXXX ). 
Last Verified Date : XXXX : XX/XX/XXXX ; XXXX : Not reported ; Equifax : XX/XX/XXXX. 
Date of Last Activity : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
Date Reported : XXXX : XX/XX/XXXX ; XXXX : XX/XX/XXXX ; Equifax : XX/XX/XXXX. 
These discrepancies highlight the lack of consistency and accuracy in the reporting of this account across the bureaus. 
Violations of Federal Law : Fair Credit Reporting Act ( FCRA ) : 15 USC 1681i : Mandates that credit reporting agencies investigate disputes and correct inaccurate or incomplete information.

15 USC 1681s-2 : Obligates furnishers of information to provide accurate data to credit reporting agencies.

15 USC 1681n and 1681o : Establish liability for willful and negligent noncompliance with FCRA requirements.

Truth in Lending Act ( TILA ) : Ensures that all credit information reported is accurate and truthful.

Fair Debt Collection Practices Act ( FDCPA ) : Prohibits the reporting of false or misleading information regarding a consumers debt.

Requested Resolution : I request the following actions be taken : Conduct a comprehensive investigation into this matter.

Remove the inaccurate late payments reported for XX/XX/XXXX ( Equifax ) and XX/XX/XXXX ( XXXX and XXXX ). 
Correct all discrepancies in account details, ensuring uniform and accurate reporting across all credit bureaus. 
I expect written confirmation of these corrections within 30 days from the date of this complaint. Failure to resolve these inaccuracies may compel me to take further legal action to protect my rights as a consumer.

Thank you for your immediate attention to this matter. Please contact me directly if further clarification is required. 
Sincerely, XXXX XXXX
Product: Checking or savings account

I submitted XXXX complaints that were not resolved by Bank of America ( BOA ) or Consumer Financial Protection Bureau ( CFPB ). Here is the complaint again : Someone has been committing fraud using my name and personal information to create bank accounts at Bank of America ( BOA ). This fraud was started in XX/XX/2021. In the past several months, I've received notices from BOA claiming an account was opened and has been closed. One of the most recent ones had a monetary value of {$2000.00}. I have contacted BOA several times on the XXXX, and the phone disconnected several times. I went to XXXX of their local branches to dispute the issue with XXXX XXXX and was dismissed. Even more recently, a check was sent to me with an existing account I'm not aware of. Of all the banks I have had in the past several years, this is the first bank that has carelessly mismanaged my information and exposed me to identity theft. It's a frightening and unsettling situation to be in when someone can continuously open an account with your name for months without the bank taking any action.
Product: Credit reporting

I had a car repossessed in 2009 by XXXX. I went to court and settle with there lawyers and paid in full the settled amount. This judgment is and has been paid in full and has been removed already from my Transunion credit report. I would like the judgement removed/deleted immediately off my account. This happened back in 2009 and this judgment is still being used against me today when getting things that require good credit. I have taken the necessary steps to fix the financial issues I had back in 2009 and it has been 7 years since repossession. I am a member of the XXXX as well in finances and it looks bad against me when I am moving places and some jobs in my XXXX require credit reports and this info is till on there. I have maid contact with XXXX over the issue and they recommended disputing the judgement and they would then remove from my account once approached through the dispute process. Please help me out
Product: Mortgage

NewRez Servicing currently services my residential mortgage loan. On XXXX, I paid off the loan in full and received an informal acknowledgement of that fact. However, I have not received any formal documentation showing the mortgage release. Secondly, XXXX, XXXX, and XXXX all show that the mortgage loan is still open with a balance. On approximately XXXX, I called NewRez Servicing to get this corrected. After an extended hold, I spoke with a representative. She stated that they had already sent a mortgage release letter ; however, I never received it. She stated that she would send a second letter. As of today, XXXX, I have not received that documentation. 

I also told her that my credit bureau information had not been updated to show that my mortgage had been paid in full. She connected me with another representative. He stated that he would have this corrected. As of today, I still have not received any documentation from NewRez showing that the credit bureau information has been updated.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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

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

Delete the late payments from my consumer reports 8
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander Consumer USA , Inc on XX/XX/2021, there is an inquiry from this company, I have sent letters to the bureaus have them fix the issue. Decide to dispute it with the company which I send a fax too to thXXXX XXXX XXXX XXXX XXXX XXXX requesting them to delete the unauthorized inquiry on my credit report ; demand {$1000.00}. I have never done business with this company in my life or even given them authorization to pull my XXXX credit report.
Product: Student loan

I was ill for a couple years and had to leave school and was unable to work. I have been getting my loans deferred and I was told I had submitted all the proper paperwork and they were deferred and not to worry. Now they are all of a sudden on my credit and I ca n't get a loan for a car so I can work, I ca n't purchase a home. These people lying to me wrecked my life.They took thousands from my refund this year and nobody told me anything. If I knew that they were gon na XXXX me, I would have tried to figure something else out, but I was told they were DEFERRED AND I WAS OK?!?!?!?!?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent EXPERIAN through their online portal n FTC Identity Theft Report No # XXXX listing the fraudulent accounts and hard inquiries along with proof of my identity, proof of my address, and a second notice written letter stating that the accounts they've re-inserted in my credit report must be properly verified. 

EXPERIAN concluded their " investigation '' on the fraudulent accounts and determined that the accounts will remain to report in my credit without proper validation, the reporting agency never sent me the original instrument of indebtedness so nothing has been lawfully verified. 

I've called EXPERIAN multiple times since XX/XX/2023 without being able to remedy the injury they have caused me. They've been ignoring my claims and have not deleted the accounts, inquiries, and addresses that I've told them are a result of Identity theft. They've claimed to conduct investigations without any further explanation on how they verify or conclude those accounts/inquiries and addresses are mine. The actions of EXPERIAN are causing injury to my reputation and ability to do commerce and can not be approved for credit. My rights have been continuously violated by EXPERIAN representatives who say they follow their " policies '' without any regard for the law as mandated by Congress. This is all damaging my mental health and causing me hardship.
Product: Debt collection

I told the company not to pull money out my account on multiple phone calls. I sent them emails stated not to do so. I even placed a stop payment on my account. They keep calling me from a new number every day multiple times a day. Leaving voicemails. They fill up my voicemail box every week. Im going to sue if they do not get stopped.
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

My USAA Member Number is XXXX, this is in reference to my USAA XXXX XXXX and  XXXX XXXX card. My account access to all my USAA accounts was restricted and all my accounts including both cards in question with billing disputes were closed without explanation. Any and all requests I 've made for documents regarding such disputes or the written clarification or explanation of above actions has been ignored. To date I still have not even received my current XXXX XXXX statement despite it being several months later. According to the Fair Credit BIlling Act. - ( d ) Pursuant to regulations of the Board, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a  billing error solely because of the obligor 's failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligor 's account the amount indicated to be in error. ( e ) Any creditor who fails to comply with the requirements of this section or section 162 forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}. Despite the law, USAA restricted, closed my accounts, failed to provide a written explanation, and all documentation requested. Additionally, USAA reversed permanent credits issues a year ago, with no warning, explanation, information on the reversal or charges and has failed to even provide a billing statement, other than online which USAA restricted my access to. Thus I have been prevented from accessing any documentation directly by the actions of USAA. USAA, also reported false information to the credit reporting agencies, in addition to failing to indicate the accounts were under dispute. In fact, they even reported one of the accounts they reported as being at it 's limit as having it 's dispute resolved. Said account was paid in full, minus any disputed transactions still unresolved.