23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I called USAA yet again today and tried to get a payment and billing history summary on my auto insurance account. Please provide a copy of all the bill year to date. Please also provide a list of each payment received. I would like a payment history mailed to me as I believe there is an error. I tried calling in past and they just sarcastically discussed tokens with me. In a double speak XXXX manner instead of assisting. I told them i dont care about tokens or race issues. I just wanted to get the payment history and billing summary mailed to me in hard copy print form from the duration of the account. Can you please provide this and then cancel my auto insurance policy effective immediately. Thank the tokens in your offices and the hold times. They have been unreasonable with their hold times since i signed up with the company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following XXXX information in my file. I have reviewed my credit report and identified inaccurate or outdated information that I would like to have corrected or removed under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681.
Product: Vehicle loan or lease

XXXX payment made on XX/XX/XXXX. Totaled XXXX XXXX on XX/XX/XXXX. Refund due afterXX/XX/XXXX paid claim. XXXX XXXX refused to refund payment after admitting.Cresco Capital made a error when submitting the total pay out on XXXX XXXX to XXXX XXXX where I had a active account. They also tried to withdraw XXXX from my account on XX/XX/XXXX after they received a check fromXX/XX/XXXXthat paid the truck off. I want my {$35.00} back because I had to pay stop payment on my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the course of the last 3 months, I have regularly called national credit systems in order to work with them on an account they have open in my name that is of questionable legal standing. There is current litigation pending against their client, and in spite of this, they still threatened to report the account as delinquent. Although i asked numerous times to get information about the credit reporting date and proposed settlements in writing, I was told by both agents and supervisors this is against their policy and they would move forward with reporting the account as delinquent whether or not the the dispute had been resolved. This seems like nothing more than harassment, especially since I told the agent multiple times that although I do not feel like the balance is legally owed, I would set up a payment plan to prevent reporting. I called on Monday, XXXX to set up a payment plan, and the associate was quite rude, and informed me that I was too late, it had already been reported, and there was nothing they could do. Called back on Tuesday and spoke with a supervisor who confirmed this.
Product: Money transfer, virtual currency, or money service

{$25000.00} fraud wire transferred out of my Wells Fargo Small business savings account. Wells Fargo did not take immediate action when fraud was reported within minutes of an inital transaction and several minutes prior to a second wire transfer. Wells Fargo failed to secure the account timely and failed to issue a recall in a timely manner, regardless of assuring me that they were recalling immediately and taking immediate action. They have stopped responding to my direct correspondence and have denied all requests for the money to be refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with XXXX XXXX I did have identity theft and maybe this is one of the accounts that was open. But I have never personally had a XXXX phone account ever in my life, I have stated this numerous of times and they keep adding it to my credit report. I was with XXXX for many years then I went to XXXX XXXX XXXX and now I am with XXXX. Please have this removed from my credit profile all three bureaus thank you
Product: Checking or savings account

On XX/XX/XXXX I seen in my online account that there were multiple charges on my account that I didn't authorize. 1 charge was for {$1.00}, it was credited back to my account and then another charge for {$4.00} that's was also credited back to my account. There was another charge to XXXX XXXX for {$50.00}. So at XXXX when the XXXX number stated the customer service would be in I called. I was told by the over the phone person that there wasn't anything they could do until the payment posted. Which makes absolutely no sense to me, but they did give me the phone number for XXXX XXXX to try to get the charges stopped. She also stopped my bank card and stated they would send me a new card. I then called XXXX XXXX and they told me there was nothing they could do for me, that my bank would have to help me. Something about it being against the law to look for my card number in their system. 
Then on XX/XX/XXXX I checked my account online to find that the {$50.00} transaction did go through my account and I was also charged {$5.00} for a new card. I took off work to go to the bank, but not before calling other banks in my area to find out if this is how this should work. Other banks stated they would leave the amount pending until they had a chance to investigate the situation and wouldn't charge me for a new card for something that wasn't my fault. I went into my local BB & T branch where I was told I had to fill out an affidavit and it could 72 hours or more for my account to be credited back, and also that my charges didnt look like fraud to them. Mind you I live at least 9 hours or more from XXXX! Only when I said it's going to be rough not having access to my account did XXXX even offer to give me temporary card. So now I still have another {$1.00} charge on my account, and wondering if more fraudulent charges are going to come through my account and mess up my XXXX!
Product: Debt collection

My credit card was used in XXXX when I am not in the country me and my family was out of country from XXXX XX/XX/XXXX .I came back in XXXX XX/XX/XXXX XXXXAfter some time I received calls and notices from debt collectors I wrote to them that this is not my debt I want to start the dispute because this was happened when I was not in the country. 
Original creditor XXXX Original creditor account number XXXX Date of charge off XXXX XXXX Current owner of account XXXX XXXX XXXX XXXX Current balance {$7900.00}
Product: Debt collection

On XX/XX/2020, a representative of Commenity Bank for XXXX XXXX contacted my business looking for employment verification. When I answered the phone, they started talking to me about my debt and arguing with me about it while I was at work. I have talked to several employees of Commenity Bank to resolve this issue and they were very rude and did not attempt to work with my on the issue. I have been making payments of {$25.00} a month for the last four months and now they are threatening to take me to court because they do not want to work with me. Since they do not want to work with me. I want them to write off the debt and I owe them nothing. This Bank needs be trained in customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

An inquiry of my credit report was ran WITHOUT my permission and falsely used. I DID NOT request a credit card screening and certain that someone fraudulently ran this check against my name. I get instant notifications of any changes, inquiries and such on all 3 of my credit reports. This would've been impossible and unlikely considering I am out of town, overseas on vacation.
Product: Debt collection

I asked them VALIDATE this account by providing a purchase agreement with my WET INK Signature, chain of ownership, full accounting of the original billing, and proof of collection rights. If they could not validate this account I ask that it be removed from my credit report as this is negatively effecting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.

Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED ;  XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I scheduled payment to BBVA Compass through my XXXX checking account on XX/XX/18 for {$88.00}. XXXX XXXX sends a paper check to BBVA Compass which should arrive within 5 business days. On XX/XX/18, I contacted BBVA Compass to find  out why my payment had not been posted. They responded that they had not received it. I placed a stop payment on the check on XX/XX/18 as I figured it had been lost in the mail. It was not a regular payment anyway, but an extra one. I contacted BBVA Compass again and let them know I placed a stop payment on the check and asked if it would cause any issues with my account. I was told all I needed to do was contact XXXX and make sure the stop payment was in effect - nothing about a fee they were going to charge me. On XX/XX/18 they received the check and presented it despite my letting them know I had stopped payment. They then charged me {$16.00} and refuse to credit it back despite my thorough explanation of what has transpired.
Product: Debt collection

On or about XX/XX/2017, Portfolio Recover Associates ( PRA ) reported me to the credit bureaus for a debt it claims I owe. 

PRA and I have corresponded several times since its initial contact. Within 30 days of its initial contact, I requested PRA to verify the debt. PRA produced conclusory information. I subsequently notified PRA that it had not satisfied its duty to verify the debt. PRA subsequently sent additional documentation which still fell short of the standard required to ( 1 ) establish that a debtor-creditor relationship exists ( by producing of the contract or judgment against me ) ; ( 2 ) establish the amount of the debt ( by producing an accounting of the charges ; and ( 3 ) establish that PRA was authorized to collect the debt ( by producing an assignment or agency agreement ). 

To date, PRA has only provided a partial accounting for what it purports to be a debt. Its allegation cite a third party as the creditor, and PRA has neither provided evidence that the purported original creditor has a claim against me via contract or court order, nor provided evidence that it is authorized to collect the claim alleged against me. 

In short, PRA has not verified that a debt exists, the amount of that debt, nor that PRA is legally permitted to collect it. I have sent multiple letters to PRA detailing what I ( or any court of law ) would require to prove a debt exists. Nevertheless, PRA has refused to acknowledge the additional detail and continued to purport to verify the debt by producing incomplete information and self-serving conclusory statements of its authority to collect the debt ( without providing any evidentiary support ). 

PRA has not satisfied its duty to verify the debt, yet it has proceeded to report my account to the credit reporting bureaus. I have filed disputes with the bureaus, but the collection accounts remain on my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX XXXX - Please delete this item immediately. 

XXXX XXXX XXXX XXXX  - Please delete this item immediately. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have 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 or 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 data is inaccurate.
Product: Credit reporting or other personal consumer reports

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY
Product: Credit reporting or other personal consumer reports

To whom this may concern ; My name is XXXX XXXX I am a Federally protected consumer. And I have notice several FCRA/FDCPA Violations on my consumer report by a few credit reporting agencies. Violation that were done 15 usc 1681, 15 usc 6802. Just to name a couple. I would greatly appreciate if these Inaccurate/ Fraudulent accounts be removed from my consumer report immediately.

This is not a 3rd party filing this report. This is me a Natural person. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f  ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a report is being used to obtain blockage, not contest the accuracy of its reporting is ridiculous. 
Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX   system that doesnt even contain my reasons for the dispute is not reasonable. 
Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX XXXX DOB : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to strongly and formally express my absolute dissatisfaction with the violation of my consumer rights as outlined in 15 U.S. Code 1681 ( a ) ( 4 ) and other related sections. XXXX, Equifax, and XXXX have unlawfully and incorrectly reported the following accounts without my expressed authorization : XXXX * ( XXXX ) Account Name : XXXX XXXX OF XXXX Account XXXX : # XXXX EQUIFAX * ( XXXX XXXX Account Name : XXXX DEPARTMENT OF XXXX Account Number : # XXXX XXXX * ( XXXX ) Account Name : XXXX XXXX XXXX Account XXXX : # XXXX * ( 4 ) = ( 4 accounts each bureau ) This serious breach of 15 U.S. Code 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may not furnish an account without my explicit consent, and 15 U.S. Code 1681c ( a ) ( 5 ), which explicitly prohibits any consumer reporting agency from disseminating any consumer report containing any adverse item of information other than records of convictions of crimes which antedate the report by more than seven years, is completely unacceptable. Furthermore, they have violated 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ) and 1681s2 ( a ) ( 1 ) ( B ), which both dictate that a person may not provide information concerning a consumer to any consumer reporting agency if they are aware or have reasonable cause to suspect that the information is inaccurate, or have been notified by the consumer that specific information is inaccurate and it is, in fact, inaccurate. Consequently, my credit report is now adversely affected by these accounts, which I have asked for proof and verification of multiple times, yet to no avail. I am confident that these accounts can not be authenticated, as I did not attend any school in 2019. I adamantly demand that the bureaus take immediate action to delete these accounts from my credit report. As a consumer, I am entitled to a fair resolution of this matter, and the only way to accomplish this is to remove these accounts from my credit report. I sincerely thank you for your prompt and decisive attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent them certified letters numerous times asking them to correct the information but they refused. LVNV reported the same thing twice under different company names and XXXX XXXX incorrectly reported that I owe them money. I sent multiple letters to all companies.
Product: Mortgage

We applied for a HELOC through the State Employees Credit Union. During the process an appraisal had to be done on the home. The Credit Union initiated an automated valuation at no cost. The appraisal was XXXX. My wife and I opted for a full appraisal at a cost of XXXX because the automated valuation did not take into considerations the upgrades that we had done to the home. To our dismay the full appraisal came back XXXX. Our home was built in 2008. The homes the Appraiser used as comparables homes that were XXXX to XXXX XXXX XXXX with other homes similar in age and structure were available. This significantly impacted the outcome of the appraisal. When I spoke to the person handling the closing of the HELOC she was stunned as well that the full appraisal came in lower than the valuation. We disputed the appraisal and provided comparables for the appraiser for him to consider. The appraiser stuck with his initial results. As XXXX homeowners My wife and I feel the choice of choosing properties that were XXXX years when newer similar models were available was intentional and adversely impacted our property value.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized accounts opened on my credit report. Please remove and block all accounts from my credit history!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing because I have tried on numerous occasions to contact equifax to have them remove this delinquency from my credit report the account is paid in full but it still appears on my credit report as a derogatory mark making my credit score super low please remove this from my report it is causing me not be able to get apartments and other important financial instruments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Delete this account. 

6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

9. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

12. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Please remove it from my credit report.