23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have auto and renters insurance with USAA and on XX/XX/year> I was prompt to select my USAA dividends choice for the 2024 disbursement. My choice was a deposit to my XXXX XXXX XXXX XXXX. 
On XX/XX/year> the amount of {$77.00} for the USAA dividend disbursement was posted as a credit to my auto insurance balance. 
On XX/XX/year> I requested through a XXXX  complaint that USAA  review my dividend choices and provide me with an explanation on how a credit to my auto insurance balance was determined, rather then a deposit to my XXXX  checking account as I originally selected on XX/XX/year>. 
By XX/XX/year> I had not yet received any correspondences or phone calls from USAA in regards to that request, so I contacted USAA through their XXXX number to get an update on the status of my request and was advised that my case was being handled by a representative named XXXX. 
I was then connected to XXXX XXXX and when I asked for explanation on how the dividends credit was redirected and posted to my auto insurance balance, I requested that USAA guidelines be provided to me in writing, so she sent me an email with inaccurate information where it states that my XXXX  checking account was inactive or closed, however, my XXXX checking account is open and active. 
As we switched concerns to my auto insurance billing and payments, at XXXXne point of our conversation I no longer felt comfortable with her tone, so I advised her that I was going to end our conversation then and disconnected my call. 
A few minutes after I ended our conversation, XXXX XXXX proceeded to call me again, so I advised her a second time that I did not want to continue discussing my case with her. 
I immediately contacted USAA and spoke to another representative named XXXX. 
I explained to him the situation and requested that XXXX XXXX do not further contact me. I also put a request with him that another representative be assigned to take over my case, as still have questions and concerns about my insurance billing and dividends explanation. 
On XX/XX/year> I received XXXX USAA emails from XXXX XXXX. 
I am confident that XXXX XXXX is an excellent professional, but since I did not feel comfortable discussing my account and billing with her, and I still have questions and concerns to be clarified, I request that she be removed from my case and my concerns be re-assigned and directed to a different USAA representative to further discuss my account history and payment information. 
Screenshots are attached for further review.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Convergent for an alleged debt for a collection. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. I need this problem fixed asap. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ) it is plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. They are in violation according to the FDCPA. The violations are 15 USC 1692 B 5 and 15 USC 1692 B 2. Also, the name on the account is inaccurate, unverifiable, and incorrect. 

# 1 who gave them my location information, # 2 where they present for this transaction that that they are referring to. # 3 I was not delinquent on anything, there is nothing that defines what delinquent is. There is no such thing as delinquencies. 

They didnt have permission to contact me Pursuant 1692 C, they didnt have my prior consent. Thats a violation. Where did you get my location information, which is my address? Who granted them permission to contact me? 
Threatening to report credit information that which isnt true, that another violation. They are violating my consumer rights ; I am a Federally Protected Consumer Under Title 15 Chapter 41. They are infringing up on my privacy and you are violating my right.
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! Auto loan from. 
XXXX XXXX XXXX Last reported XX/XX/XXXX {$22000.00} Reported balance Highest balance You've paid off XXXX % of this loan {$23000.00} OVERVIEW Highest balance Monthly payment Opened Term Account Details {$23000.00} {$0.00} XX/XX/XXXX ( XXXX yrs, XXXX mos ) XXXX  months ( XXXX  years ) PAYMENT HISTORY Last payment Payment status Worst payment status XX/XX/XXXX No Info ACCOUNT DETAILS Account status Type Responsibility Remarks Open Auto loan Individual Charged off as bad debt Dispute resolved; reported by XXXX XXXX XX/XX/XXXX days late XXXX This account show in all XXXX major credit report agencies XXXX. XXXX. EQUIFAX. please have this account removed and updated immediately thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled Please fix the following accounts : XXXX XXXX XXXX Balance : {$530000.00} XXXX XXXX Balance : {$7.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$60000.00}
Product: Credit reporting or other personal consumer reports

I am writing to file a formal dispute regarding the inaccurate and misleading information on my credit report. I have recently reviewed my credit report and have identified a significant error in the reporting of XXXX accounts held by XXXX XXXX each identified by the following account numbers : # XXXX, # XXXX, # XXXX, and # XXXX. It has come to my attention that these accounts are erroneously listed as " open '' when they are, in fact, collections accounts, which should not report as open. 

I respectfully request that you investigate this matter promptly and take the necessary steps to correct the reporting inaccuracies on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). The incorrect reporting of these accounts as open severely affects my credit score and financial standing. 

I urge you to take the following actions : Initiate a thorough investigation into the reporting status of the aforementioned XXXX XXXX accounts. 
Immediately delete these misleading entries from my credit report. 
As per the FCRA, it is your responsibility to conduct an investigation within 30 days of receiving this dispute. I expect a swift resolution to this matter in compliance with federal law. The accurate reporting of my credit information is of paramount importance to my financial well-being, and I believe that addressing these discrepancies is vital in maintaining the integrity of my credit report. 

I kindly request that you provide me with written confirmation once this dispute has been resolved, and the necessary corrections and deletions have been made to my credit report. 

Thank you for your immediate attention to this issue. I trust that you will act promptly and decisively to rectify these inaccuracies and ensure the accuracy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit card company continues to report inconsistent and incorrect payment history every month. I have disputed the account many times and each time its a different outcome
Product: Mortgage

I have been trying to get the interest rate dropped since XXXX. 
hey are trying very hard to not support or allow me to refinance at a lower rate. 
Each time I put in my complaint, they send a letter stating that it has been resolved
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Dear CFPB and TransUnion, I am writing to formally report fraudulent activity related to my credit report due to the theft of my personal information. Since this identity theft occurred, there have been multiple unauthorized attempts to apply for credit cards in my name, resulting in XXXX fraudulent inquiries listed on my TransUnion credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I am not responsible for these fraudulent inquiries, and I am requesting that TransUnion take immediate action to remove them. The law mandates that you investigate and remove any inquiries that can not be verified as legitimate. 

Below are the fraudulent inquiries that must be removed from my credit report : 1. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX. **XXXX XXXX XXXX** Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. **XXXX  XXXX** Inquiry Date : XX/XX/XXXX According to the FCRA, you are required to complete your investigation and respond to my dispute within 30 days. I expect confirmation of the removal of these inquiries within this timeframe. 

Thank you for your prompt attention to this serious matter. Please feel free to contact me at the phone number or email address provided above if you require any additional information. 

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

I sent in dispute letters asking for detailed proof with my original signature showing that the account belonged to me and received a response from the credit bureau that the information was verified. The creditor didnt reply with the proper information showing my original signature. Therefore this is against FCRA   and the accounts should be deleted immediately due to the fact that the creditors didnt reply with proper information. Ive sent in several letters asking the same exact things and now Im frustrated because they are not providing proper documentation. I wrote XXXX, Equifax, and XXXX   and the accounts care back verified with no proof of original signature. I do understand that this is illegal and Im at the point where I would like to file a lawsuit due to the fact that no one is properly investigated the items being reported.
Product: Credit card or prepaid card

On XX/XX/2019, I became aware of a number of fraudulent charges on my PNC card account ( account ending XXXX ) and immediately notified customer service via the 800-number on my statement. After an extensive conversation, in which I identified the several specific fraudulent charges to the assigned agent, I was informed that the account would be closed, a replacement card issued, an investigation promptly conducted, and the fraudulent charges immediately reversed. 

In the subsequent few days, I did indeed receive a new account number and card ( now ending XXXX ), but the prior account 's balance moved in its entirety the new account number. When there was no further action or contact from the company over the next several days, I reached out a second time to PNC customer service on XX/XX/2019, to inquire as the the ongoing status of the investigation and process. I was informed that things were proceeding appropriately, and I should expect the credit to be issued shortly. 

After several more days delay with no observable action on the account, I phoned PNC on XX/XX/2019, and again inquired as to the status of the investigation. On this occasion I was told that while my prior account number was indeed closed, there never was *any* fraud report taken. All my previously identified charges had simply moved over to the new account number. After a number of delays and transfers, I finally was given access to an agent in the fraud department who took my claim again and promised that this time the process would be properly initiated. She could offer no explanation for why this lapse occurred. 

I am fairly incredulous that PNC failed to execute the clear and obvious fraud complaint I made on XX/XX/2019 and believe this is a significant failure in their systems. To be required to identify the lapse myself, and resubmit the same complaint a second time, is totally unacceptable and should be sanctioned by the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX These addresses does not belong to me listed below can you please remove Im disputing now please understand you are now being put on notice that this addresses listed below are not mine The following address listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice.You have aided this fraud by not verfiying these addresses Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy This is Correct information below please update First in last name only : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX There may be individuals with a name the same as or similar to mine. Creditors may Have entered My name incorrectly when requesting my credit report. 
Regardless, There are forms of my name and address that should not appear in my credit file. 
These Are the Incorrect addresses below please remove XXXX XXXX XXXX XXXX XXXX Illinois XXXX - XXXX XXXX XXXX XXXX XXXX Illinois XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
Product: Credit reporting or other personal consumer reports

Unauthorized items on credit report. 
XXXX XXXX {$1600.00} XXXX XXXX {$1600.00} XXXX XXXX {$700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I NEVER HAD XXXX AND I WANT THIS ACCOUNT TO BE REMOVED OFF MY CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed 2 rounds of disputes for a few accounts with this credit bureau. the first round of disputes were on XX/XX/22, to verify the accounts. and the second round of disputes on the XX/XX/22 for inaccurate information and illegal collection fees. I have not heard from them and it has been 30 days. I would like the accounts in question to be deleted from my credit report.
Product: Money transfer, virtual currency, or money service

I was messaged by a person on XXXX who wanted to buy my artwork. He wanted it minted as NFTs on XXXX which is a website for selling NFTs. 

He stated crypto was his preferred currency. And he instructed me how to set up a crypto account, wallet. 

I received an email claiming to be from XXXX stating his payment didnt go through since I had to pay a gas token. He said the gas token was essentially a transaction fee. 

He showed me how to transfer money from my bank account to my digital wallet to turn it into Etherium to pay the gas token. Then he said it didnt go through again. More emails came. And stating I needed to pay further increments each time to complete the gas token fee. 

It amounted to {$2600.00}. I used the crypto wallets from the company Coinbase. 

I was defrauded and have all the screenshots and the saved conversation from XXXX as well as all the emails saved. I also have emails saved from XXXX stating these emails didnt come from them. 

He acted like I never sent money but at the same time kept saying if I sent crypto to him hed be able to get it back. I did not send any more. 

His XXXXXXXX XXXX is still active.
Product: Credit reporting or other personal consumer reports

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ). According to 15 USC 1681, Section 604 ( a ) ( 2 ), I have the right to privacy, and a consumer reporting agency can not furnish information about my account without my written consent. Additionally, under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Please update my records to reflect that I was not late for the payments in XXXX, XXXX, and XX/XX/year>. I request that you correct my credit report accordingly. Thank you for your prompt attention to this matter. 

Account number XXXX
Product: Credit reporting or other personal consumer reports

I recently disputed a few items listed on my Experian report they said they were investigating the issue. Experian removed the items that were not important they removed false address and employment all other actual accounts they deemed were accurate how do you perform a full investigation in days I have no idea I would like for the items I disputed removed these are vehicles I have sold mortgage accounts I do not have and hospital bills I have no knowledge of I have and always have had health insurance why would I have bills and had not been to the hospital in years!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

USC 1681, SECTION 602, I have the right to privacy.

USC 1681, SECTION 604, SECTION 2, States a Consumer Reporting Agency can not furnish a report without my written consent.

USC 1666B, A creditor may not treat a payment on a credit card account under an open-end credit plan as late for any purpose. 

XXXX the lease is over car returned XX/XX/XXXX and they are reporting late. 
XXXX XXXX XXXX XXXX XXXX XXXX, I paid the car off during covid and asked XXXX to remove such reportings and they said no. 
PNC mortgage during Covid I had arrangements and all debt is paid and they continued to report. XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding inaccurate and inconsistent reporting of a collection account from XXXX, which has been placed on my credit report by XXXX, XXXX, and Equifax. Below are the specific details of the account, along with the identified discrepancies. 

Account Information : Account Number : XXXX Original Creditor : XXXX XXXX Owed : {$270.00} Creditor Type : Collection services/ Other Collection Agencies Date Opened : XX/XX/2024 Date Closed : Conflicting information ( XX/XX/2024 in XXXX XXXX XX/XX/2024 in XXXX, XX/XX/2024 in Equifax XXXX Payment Status : Seriously past due/ assigned to collection agency Dispute Status : Account not disputed ( despite attempts to dispute with all three bureaus ) Inaccuracies Across Credit Bureaus XXXX Conflicting Dates of Last Activity : XXXX XXXX the last activity on XX/XX/2024, while XXXX XXXX XX/XX/2024. Equifax incorrectly lists the last activity as XX/XX/2024, which is in the future and clearly an error. 
These inconsistencies raise questions about the accuracy of reporting and the legitimacy of the account 's status on each report. 
Inconsistent Closing Dates : XXXX lists the closed date as XX/XX/2024, while XXXX shows the account closed on XX/XX/2024, and Equifax lists XX/XX/2024, which is not only inconsistent but also in the future, making it factually impossible. 
Inconsistent Payment Status : XXXX lists the status as " Seriously past due/ assigned to attorney, collection agency, or credit grantor 's internal collection department. '' XXXX and Equifax simply mark the payment status as " Unpaid, '' which is inconsistent with the more severe description on XXXX. 
Unreported Two-Year Payment History : None of the bureaus are reporting a payment history for this account, which raises doubts about the completeness of the information reported. 
Dispute Status Error : Despite my efforts to dispute this account, all three credit bureaus have listed the account as " not disputed. '' This misrepresentation undermines my right under the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate or outdated information. 

I have made multiple attempts to dispute this account directly with the credit bureaus, but no corrective actions have been taken. If these inaccuracies are not immediately resolved and the negative item removed, I intend to pursue legal action to enforce my rights under the FCRA. 

I request that the CFPB take immediate action to investigate these inaccuracies and ensure that my credit report is corrected promptly. I have attached supporting documents, including copies of my credit reports from all three bureaus and evidence of prior disputes, to assist with your investigation. 

Thank you for your attention to this matter. I trust that this will be resolved swiftly.