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

I filed a dispute on ( XXXX, XXXX XXXX XXXX ) due to US Code 15 US code 1681 ( 4 ) US code 1681 ( a ) ( 2 ). Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediatelyas it's affecting my chances of buying a home, getting a new car and improving my life. Experian violates my rights as a consumer, as well as federal laws.
Product: Checking or savings account

I have been a USAA member since XXXX. I left USAA a couple years ago for failure to stay current with banking standards, and their antiquated online bill pay. 

XX/XX/XXXX I had a long conversations with a USAA customer service rep inquiring if USAA had improved and made current practice their antiquated on line bill pay platform. 

I was assured changes had been made and I would successful paying my merchants and bills without problems. 

Unfortunately, USAA continues with their same antiquated platform of sending checks through the XXXX. THE XXXX that rarely to never delivers mail on time! 

My payments delieverd via XXXX have never been paid by selected delivery date. I started sending payment XXXX weeks early. And still, payments are not received by due date. 

At the top of every paper check is a message : PLEASE DIRECT ANY QUESTIONS TO ( XXXX ) XXXX THE ONLIE BILL PAYMENT PROCESSING CENTER to ask WHY ARE THIS BILLS NOT PAID EFT?? 

After 3 months, I to date, have not received an appropriate update to my bill pay profile. BUT here 's what I know : USAA XXXX XXXX hired, XXXX, a global XXXX and payment company, to operate and pay USAA members bills online. 

I have called since XXXX complaining that my bill payments are NOT being posted by bill due date, generating unreasonable loan interest payments to XXXX XXXX XXXX XXXX, instead of applying towards principal. 

My complaint had been escalated to an Account Manager so many times, with each committed to investigating via a 'case review to XXXX XXXX to 'approve XXXX payments instead of draft checks '. 

XXXX months later and multiple complaints to USAA Account XXXX and the problem is still NOT resolved. XXXX has confirmed the problem is USAA. USAA keeps insisting its XXXX. I personally don't care which is responsible, but it's XXXX, ALL these bill payments should be XXXX and NOT XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

There were two accounts that appeared on my Equifax credit report from XXXX XXXX XXXX. with account # XXXX & XXXX that I have no knowledge about. I sent a certified letter to XXXX XXXX XXXX. to validate the debt in fact belongs to me on XX/XX/2020 and asked them to provide the following documentation : " An explanation of what this alleged account balance is for ; A calculation of this balance, including the complete payment history on this account, so I have proof the amount is correct ; Documentation showing I agreed to pay this debt ; Provide the agreement that grants them the authority to collect on this alleged debt ; and A copy of their State license ; including license number '' and their response on XX/XX/2020 stated they searched their records with my name and address and were unable to identify the account or account holder. 

I mailed a certified letter to Equifax on XX/XX/2020 & XX/XX/2020 advising the creditor failed to validate the debt and under the FAIR DEBT COLLECTION PROTECTION ACT this debt should be removed from my report or provide validation documents confirming this debt belongs to me. I also received an updated dispute response from Equifax dated XX/XX/2020 stating they verified the debt belongs to me ; but no documentation provided again to show proof the debt in fact belongs to me as stated in paragraph above. If the companies can not provide proof of validation of these two debts then the accounts need to be removed from my Equifax credit file confirmation # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX XXXXXXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect. 

Date of last activity is reporting false dates. 

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from XXXX, EQUIFAX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the FTC.
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. Acc XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( 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

XXXX XXXX  XXXX XXXX  Acct # XXXX - This account is inaccurate ; date opened incorrectly shown as XX/XX/XXXX, should be XX/XX/XXXX. This account is a charge off and should not be showing as last reported XX/XX/XXXX, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in XXXX. 

You keep verifying this information, why is this not being properly investigated? Are you verify incorrect information each time I dispute? 

I want this delete off my account.
Product: Checking or savings account

I am filing another complaint, as a follow up to # XXXX XXXX which I filed with CFPB on XX/XX/2023 about Citizens Bank. This complaint was closed after a letter was sent by XXXX XXXX from the office of the Chairman at Citizens Bank. 

As I indicated in the feedback I provided on the CFPB site and in XXXX voice mails to and an email to XXXX XXXX ( last week and again yesterday ) -- the issue from the original complaint has not been resolved. It has now been XXXX weeks since I first made the claim ( XXXX ) to Citizens that a check had been fraudulently cashed on my account and they have provided no indication of when a final determination would be made. 

While I appreciate that Citizens finally offered a provisional credit ( reference number : XXXX ) to my account for the {$5000.00} that was fraudulently taken from my account, this credit is only provisional, and even at that, was not provided until almost XXXX months after I filed my original complaint with Citizens. It should also be noted that the XXXX Citizens employees I spoke with prior to filing my complaint with the CFPB all agreed that you could clearly see the outline of the name of the original payee on the check that was fraudulently cashed. The letter from XXXX XXXX indicates that Citizens takes the matter of fraud seriously and that it takes XXXX weeks to investigate and resolve a claim. It has been XXXX weeks since I filed this claim and the letter states that this claim is still under investigation. There is no indication of when a final determination will be made and when ( if? ) the provisional credit will become an actual credit. In addition, Citizens does not have a clear and transparent process in place, and as my original complaint stated, I received different messages from XXXX different Citizens employees about the time line and the question of a provisional credit. Until my account receives a full credit of the funds fraudulently taken from my account, my complaint stands.
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX IN RESPONSE TO CFPB : XXXX Dear XXXX : On XX/XX/XXXX, I have wrote several letter of dispute I have been ignoring and the proper protocol was not used to determine my dispute reason permitted by law I had not heard any specific actions taken to reverify the items I had identified as inaccurate or incomplete in my credit report. 
Items : XXXX XXXX  XXXX Closed : XX/XX/XXXX XXXX {$11000.00} Closed XXXX CARD Closed : XX/XX/XXXX {$0.00} Closed Since you have not given me names or persons you contacted for reverification of the information, nor have you complied within a reasonable time to my request for reverification, I assume that you have not been able to reverify the information I have disputed. Therefore, you must comply with the provision of the Fair Credit Reporting Act, Section 611, and drop the disputed items from my credit report. 
Now when someone identity is compromise a credit or data furnisher should do a property dispute to verify the account According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ),  your company is required by Federal law to verify - through the physical verification of the original signed certified Consumer contract - of any and all accounts you request to be posted and or reported on a credit report I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above. Under the FCRA, unverified, invalid accounts must be removed. If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately! 
If I do not receive an updated copy of my credit report, with the disputed items dropped, my attorney will pursue my legal rights under Section 616 of the Fair Credit Reporting Act, Civil liability for willful noncompliance. Your credit bureau may be liable for : 1 ) any actual damages I sustain by you failure to delete the item ; 2 ) punitive damages as the court may allow ; and 3 ) costs of  the court action, plus attorneys fees. 
I have forwarded a copy of this letter to the Federal Trade Commission.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
Dept of Ed XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX Bank XXXX has violated my rights. 
XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX has violated my rights. 
XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 
XXXX / XXXX XXXX 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 an 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 seven 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 or other personal consumer reports

I RECENTLY DISCOVERED THAT MY PERSONAL INFORMATION HAS BEEN USED WITHOUT MY AUTHORIZATION, LEADING TO A XXXX CREDIT CARD AND XXXX XXXX FRAUDULENT AND NUMEROUS UNAUTHORIZED HARD INQUIERES ON MY CREDIT REPORTS.THESES INQUIERES INDICATE THAT MY IDENTITY HAS BEEN COMPROMISED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Volkswagen Credit and Audi Financial Services are reporting incorrect information on my XXXX Credit Report. The account went into 90 Days past due in XXXX and they are incorrectly reporting this information for XXXX. This account was also sent to the IRS as a bad debt and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THE INQUIRIES ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Lender Fees are Usury and its lending practices are predatory. Texas law allows only a 10 % annual interest rate on a secured loan I borrowed XXXX dollars against the Title of my XXXX XXXX XXXX. I was told it a was only a 30 day loan. I was told the interest would only cost me XXXX. dollars if paid within 30 days. 
.The contact terms the company set was a six month payment term with interest fees that the total would be. {$8600.00} for a 30 day loan of XXXX I bring home XXXX a month before expenses. I was not told I could have opted out of the contract in three days.
Product: Bank account or service

About 10 years ago I established a home equity line through Citibank. To get a reduced interest rate I linked a Citibank checking account to the line of equity. There were no service charges to be incurred for the checking account. Around XXXX 2016 the bank started taking out {$30.00} for monthly service charge. It took a lot of time and effort, but eventually the bank reversed six months worth of the service charges. However, they refused to give me back the {$30.00} that have been charged in the months previously. They had failed to send me my bank statements except you in the mail. They did send me my line of equity statements in the mail. I am requesting that the CFBP tell Citibank to give me back the {$30.00} for each month it was taken out of my checking account. I am thanking you in advance for your efforts on my behalf. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these XXXX and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting or other personal consumer reports

Due to various concerns regarding a lack of fair and accurate credit reporting.Th information being reported has caused damages. I have experienced difficulties seeking new credit. 
The below listed accounts are in violation According to 15 U.S.C. 1681b, 15 U.S.C. 1681e ( b ), and 15 U.S.C. 1681 the person should not be reporting inaccuracy to my consumer report when I, the individual have reasonable cause that the information is inaccurate. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im writng this complaint today because experian has been violating my consumer rights. I I looked at my credit report and saw violations on all the accounts I have listed in my letters please see each attachment. I sent out these same letters on XX/XX/XXXX and got no reply and it doesn't even look like these accounts were investigated. It is their job to make sure everything is reporting with 100 % maximum possible accuracy and experian has failed that. I understand there are alot of reports to manage so it is hard to keep track but these errors need to be fixed immediately. I am requesting immediate removal please. Please investigate these accounts. I do not want to have to get the courts involved but if these accounts are investigated again and there is even 1 inaccuracy reporting I am taking Experian to court! Please make sure everything is 100 % accurate under 15 USC 1681e ( b ) - Credit report agencies must follow reasonable procedures in order to assure maximum possible accuracy concerning the consumer. If it can not be verified or any information reporting is incomplete delete it at once please. Please send me an updated credit report after your dispute is finish.
Product: Debt collection

These accounts were opened around the same time, back in the early XXXX 's, and it's well over the XXXX. statue to be on my credit report. I disputed the charges because my wallet was stolen and I called them with the police report number and everything. They were supposed to be checking the atm tapes and following back up with me. They never contacted me back, so I never followed up, thinking everything was squared away. 
I found out years later after the fact that they are ruining my credit reports with this.. They KEPT repeatedly putting it back on my credit report after it fell off, making it look like this is a recent account, and it is NOT at All. And because of the old practices of debt collectors back in the XXXX  's, they would ruin your credit by repeatedly putting the SAME DEBT back on your credit report ( sell it to another debt collector for them to start harassing you now. ) after it was supposed to fall off and be done.

I'm tired of them ruining my credit and running my credit score down, because now I can't get certain loans or credit because of them. I know it's illegal what they keep doing to me, but for some reason they keep letting them get away with this, and I say No More.
Product: Credit card or prepaid card

Discover offered me a {$45.00} statement credit for purchasing a XXXXXX/XX/XXXX membership. I followed the terms and condition. They refuse to issue me credit saying that I can not cancel the membership. I canceled because there was issue with my membership. The terms and condition does not say I can not cancel for a valid reason. When I contacted, they throw new conditions at me to refuse the credit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act HP Sears Account number : 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 that a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

we refinanced with loan depot in XXXX XXXX XXXX for the amount of {$120000.00}. our home burned and we lost 100 % of everything we owned on XX/XX/XXXX XXXX our insurance company XXXX XXXX promptly paid {$120000.00} in XX/XX/XXXX. Loan depot did not apply that payment until XXXX XXXX XXXX we were in XXXX XXXXXXXX bankruptcy at this time making on time payment through the bankruptcy trustee. loan depot filed a revised claim stating that they were owed {$5500.00} after the insurance check was applied. however after asking for a complete mortgage history from loan depot and reviewing it the balance as of XX/XX/XXXX was {$120000.00}. we there for were again making payments through XXXX XXXXXXXX bankruptcy on the supposed {$5500.00} that they claimed we owed. we paid that until XX/XX/XXXX and we dismissed our case. on XX/XX/XXXX Loan Depot through their attorney filed forclosure int the amount of {$120000.00}. we contacted their attorney and informed him of this situation. he did nothing with the case. we then began working with loan depot trying to get a solution to this we could get no answers from them at all other than we were in forclosure, we filed for modifications, it took allmost 2 years to get one when we finally did we made our payments on time, when our final paperwork came due it was received late due to no fault of our own. our state was in a governor declared state of emergcy and XXXX XXXX did not pick up from the drop off location for quite some time this was of no fault of our own. the kicked us out of modification due to this. their attorney then filed to modify the amount of money that they claim we owed. we began working with their attorney trying to get answers, we feel nothing is owed once we had an attorney look over the complete mortgage history in fact we feel like we are owed. todate XX/XX/XXXX their own attorney still has no answers, they are still trying to rack up fees for pmi, inspecitons, intrest and so on. they have been paid approx. {$130000.00} on a {>= $1,000,000} loan. misapplied our insurance check, and still will not give us answers, this has caused us much undo stress, mental stress, loss of sleep and turmoil. not to mention the hours upon hours of dealing with this nightmare. we want a mortgage release asap