23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Fraud was reported to my checking account with USAA within 24 hours of it happening on XXXX XXXX, 2015. Failure to respond to this with any adequate security measures, led to XXXX more fraudulent transfers to occur, insufficient fund charges to happen, and returned item fees. When the checking account became overdrawn by {$4900.00}, USAA allowed my " overdraft protection '', linked to my credit card account with them, to make {$5900.00} worth of cash advances to my checking account to pay off these fraudulent transfer of fund. I am now being held liable because I agreed to have the USAA Credit Card be my overdraft protection and because I stated that I may have been a victim of identity theft or an email phishing scam, they are making me liable. I believe there was a very convenient reason that they made this land on my credit card, instead of leaving this with the checking department to be resolved and disputed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is not reporting correctly. This is on a payroll deduction which means it is automatically paid. They are not reporting it correctly the payment amount is not correct nor is the payment history they are showing no payments for XXXX. Experian is violating 42 U.S.C. Section 666 I Only after such parent has been afforded all due process required under state law, including notice and a reasonable opportunity to contest the accuracy of such information. This is having an effect on my credit as not reporting consistent payments, please see attached pay statement which shows payroll deduction which proves payments are made consistently.
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 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.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Product: Debt collection

Firstly-I moved in XXXX of 2015. My mail was not being forwarded properly. When I sorted it out I had a bunch of checks from my insurance company that were owed to XXXX and XXXX XXXX XXXX. I sent them the checks, along with my new address and requested that all further communication be sent to my new address. I am sure they received the letter because the checks were cashed. I never received a further bill from that office. 

Over the summer I was contacted by a collection agency XXXX GSI Recovery, LLC XXXX via phone explaining that I was responsible for a debt of {$730.00}. They said they had contacted me earlier, however I never spoke with anyone. I had never received a bill of any kind from my doctor or the collection agency. The collection agency had my previous address on file.I explained to the agency that my doctor must have neglected to update my address, even though I had provided them with it months ago. I told the agency I needed time to look into the charge and requested a hard copy of a bill so I could speak with my insurance company about it. I told him I wanted to correct the situation but needed the information to contact my insurance company to ensure I was responsible and not them. He told me that my only option was to pay then or he was reporting it to the credit bureau. I told him I could not do so as I had no indication of what I was being charged for and requested he mail me a bill to my new address. I never received a bill. 

This is now reflected on my credit report and I have never had the opportunity to even see what I was being charged for.
Product: Credit reporting or other personal consumer reports

To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 
" XXXX XXXX '' OPENED XX/XX/XXXX FOR {$210.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$270.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$410.00} " XXXX XXXX XXXX '' OPENED XX/XX/XXXX FOR {$470.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I submitted an international wire transfer to a school in XXXX to pay my son 's tuition. On XX/XX/XXXX, I asked for a recall of the wire transfer. Basically, my payment was no longer needed. Last week, on XX/XX/XXXX, Citi received the funds from the XXXX correspondent bank, but Citi has failed to redeposit these funds into my account for the past 2 weeks. I have not been given any explanation for this delay. 


The Case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent the letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignore of my dispute. Section 611 ( a ). It is plainly stated that A failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Product: Payday loan, title loan, personal loan, or advance loan

hello I have tried getting this issue resolved on multiple occasions which it seem like you guys refuse to remove this account. This account is related to identity theft I have been notified by the XXXX  data breach and also XXXX police department where you guys can call the didn't notify me the name of the individual as they kept that confidential, please im begging you to reach out to them to get this issue resolved as this account is not mines and it is hindering me from buying my house.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting Act, XXXX  Account # XXXX XXXX XXXX XXXX violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting to the credit reporting agencies that our loan was XXXX through bankruptcy when it was NOT. I've submitted paperwork showing that it was never XXXX, payments were never missed ( but this was not reported ) and the loan was paid off when we sold the home. We did have a bankruptcy, but the home was NOT included in XXXX assets. I've sent the bankruptcy documents, sale documents, and payment history to Experian and they continue to mark it as XXXX through bankruptcy.
Product: Money transfer, virtual currency, or money service

I was trying to sell a XXXX XXXX on XXXX XXXX and my customer paid me {$60.00} through Zelle and Zelle said that because he was sending the money through business account to a personal account he would have to send an additional {$500.00} and he did he never received his refund I was on the phone with Zelle for XXXX hours and I have proof of audio recording the only way he could get his money back I had to zelle and XXXX XXXX {$500.00} plus an additional {$500.00} and her excuse was that there was a problem with the system. They called my bank multiple times I was scammed out of $ XXXX {$1500.00} and they refunded me XXXX but they still wanted me to send them more money through crypto it was not an issue until they asked me to provide them my username and password to my bank account. I told him that I would give them my routing and account number, but I refuse to provide them with my username and password
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts do not belong to me. I never made a deals with these banks. Please remove as soon as possible all incorrect information.
Product: Debt collection

On XX/XX/22 I received a XXXX XXXX from XXXX XXXX XXXX in XXXX, Massachusetts. I received a bill for this service and have been trying to dispute this bill as I should not have been charged for the XXXX. They have since sent the bill to collections. I have been in contact with the both the hospital and the debt collection agency multiple times about this issue, yet it remains in collections. 

Debt collector- Action Collection Agency of Boston XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

I have been paying the interest  on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the  loan information, how they represented it, and the interest I paid on each loan. The loans go from  XXXX  to  XXXX  in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of  XXXX   XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized,  XXXX  Stafford-Subsidized,  XXXX   Stafford Unsubsidized , and  XXXX   Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment #  XXXX  it shows loan number  XXXX   Stafford Unsubsidized  with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every  two  weeks which is proven in attachment #  XXXX . This loan (  XXXX   Stafford Unsubsized  ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative (  XXXX  ) told me I got that particular loan in  XXXX  when I went to  XXXX  University. I started going to  XXXX  in  XXXX  of  XXXX . My compliant is that  Navient  has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number  XXXX   Stafford Unsubsidized,   because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on  XXXX   XXXX ,  XXXX  and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened.
Product: Credit reporting or other personal consumer reports

TransUnion claims that since I filed a dispute on XX/XX/year> about a XXXX  in dispute that I don't have access to my FULL credit report and I have to call them to unpack information in my credit report. I have disputed inaccuracies before and have never been obstructed from accessing my credit report on their website. Also this is the credit report the SBA uses to approve XXXX loans and the XXXX  account on TransUnion has been the barrier to accessing my SBA XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested updated information for a paid balance in XXXX of XXXX to the XXXX of Michigan for {$2500.00}. I was trying to get my passport and the Information that was on file was incorrect. I have tried to dispute my XXXX payment that was reflecting in the system for over a year now. The information " Paid, was a collection account, insurance claim or government claim or was terminated for default ''. 

None of the information is correct. This account is from XXXX, that was 11 years ago. More than enough time to not even be reporting. The balance never went into a collection status. They don't have the company information because I paid directly to the original account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one and XXXX XXXX  both violated consumers fundamental rights I have paid everything on time over many years. 

My Three credit bureaus report show that capitalone and XXXX XXXX did not remove incorrect information. 


XXXX XXXX XXXX and Capital one bank are getting so many complaints from XXXX XXXX XXXX and consumer finance government. 

I try to purchase a home for my XXXX kids through FHA loan, USDA loan or VA loan but XXXX XXXX XXXX and capital one bank made incorrect information without my consent in credit bureau file, they should remove them under fair credit act and federal instructions.
Product: Debt collection

a debt collector is calling my work place everyday constantly and is calling my parents home where I do not live and is in another state. The debtor collector has left numerous messages at my work place and has left my mother and father XXXX messages on their machine.
Product: Credit reporting or other personal consumer reports

I am in disagreement with this account listed here which still appears on my credit report, even after your investigation. i would like this account immediately re investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX account number XXXX In accordance with the fair reporting act, public law 91-506, titleIV, section 611 please provide the names and business addresses of each individual with whom you verifed above so i can follow up. Please send a updted copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a tree take out my house XX/XX/2017. This traumatic event meant I had to live in hotels and an apartment while XXXX rebuilt my house. During this time, I was not receiving my mail on a regular basis and I had to establish an array of payment arrangements with XXXX, a creditor for my younger son 's viola. Despite my paying XXXX and the music collection agency, XXXX, these debts are still shown on my credit score. When I log into Experian, my FICO scores show as XXXX with Experian and XXXX with XXXX. However, when banks pull hard credit records, they report low scores of XXXX. It's very confusing as I paid off the majority of my home with my ex-husband but I'm being penalized as if I never had a good mortgage payment history. 

Documents I am including are : a snapshot of my current scores from when I access Experian 's website ; XXXX paperwork showing my case re : rebuilding my home and settlement paperwork from the sale of my house, which could not have gone forward if the loan was in arrears. Correspondence fro XXXX is also attached. 

I appreciate feedback why credit records have little accuracy and accountability ; I have been working to fix my credit for over a year ; it's quite disheartening. 

Thank you for your time. 

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

In XX/XX/2022, I sent a letter to Experian Credit Bureau asking them to correct errors that I discovered in my credit file. Month after month, I noticed that these items were still reporting. The credit bureau is allotted 30 days to review my request and make the necessary corrections, but they have more than exceeded that 30 days from the time of my first letter. I have sent several follow-up letters to them, however, they were not removing the errors, nor were they providing me with documented proof that they reviewed and properly investigated my requests. If items in my credit file are not factual and can not be verified, they must be removed. However, Experian is not following through and doing its part in maintaining correct and complete credit file information.
Product: Debt collection

ERC is reporting to the credit bureaus about a debt that I asked to be verified, I have sent out letters to ERC asking for a contract bearing my signature to verified I owe the debt they are reporting. Not only have they not verified it but they did not response in the 30 day time period. I ask that this debt be removed immediately due to the fact that ERC have not correctly verified this debt is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed a letter requesting verification for inaccurate accounts listed on my credit report. I didn't receive a response so on XX/XX/2020 I mailed another letter. It has been 6 months and these inaccurate accounts are still showing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX I called and sent letters in trying to get these removed, they stated they could not do this. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( XXXX ) and a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

Dear XXXX, XXXX and XXXX, I have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amounts ) owed are no longer outstanding for the following items : Party Owed : Self Amount : {$690.00} Party Owed : XXXX XXXX  Amount : {$770.00} INQUIRIES XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX BANK NA Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX ADDRESSES XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX I XXXX disputing this claim due to : I had know knowledge of these accounts addresses or inquiries nor did I give permission for anyone to sign up with their company underneath my information I have also sent dispute letters as well as FTC report to the companies and credit bureaus listed above This is my official request to have the aforementioned item to be deleted off my credit report.

Enclosed may be additional evidence to support my claim.
Product: Credit reporting or other personal consumer reports

Consumer Complaint to Credit Bureau ( Experian, XXXX, XXXX ) Subject : Dispute of Unlawful Repossession, Breach of Contract, and Fraudulent Reporting by XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the reporting of negative information by XXXX XXXX XXXX regarding my auto loan. This account is currently under legal dispute due to breach of contract, improper assignment, unlawful repossession, and fraudulent securitization of my financial instrument. 

Reasons for Dispute : 1. Unlawful XXXX & XXXX of XXXX My contract with XXXX XXXX requires arbitration for any legal action. XXXX XXXX ignored this requirement and proceeded with unlawful collection actions. 
The company failed to perfect its lien, as confirmed by a UCC-11 search, meaning it had no lawful claim to repossess the vehicle.

The repossession was conducted in violation of state and federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and Uniform Commercial Code ( UCC 9-318 ( a ) ), which prohibits enforcement once a promissory note has been sold. 
XXXX. XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX has securitized my loan by selling it to XXXX XXXX XXXX XXXX XXXX 2024, which means they no longer retain a legal or equitable interest in the account per XXXX XXXX ( g ). 
Since they transferred ownership of the contract, they lost enforcement rights, and any negative credit reporting by them is inaccurate and misleading. 
They have also failed to report the proper accounting on my behalf through necessary tax forms, indicating discrepancies in their financial reporting practices. 
XXXX. Failure to Properly Respond to Legal Notices I provided a written revocation of their security interest within the first week of purchasing the vehicle. 
XXXX XXXX failed to respond within XXXX  days, rendering their claim to the contract unenforceable. 
Despite my dispute, they continued to report inaccurate information to the credit bureaus, violating the Fair Credit Reporting Act ( FCRA ) 623 ( responsibility of furnishers to report accurate information ). 

Requested Resolution : Immediately remove any negative reporting from my credit file regarding this account. 
Correct my credit report to reflect that the account is under legal dispute. 
Investigate and confirm that XXXX XXXX no longer has a perfected XXXX or enforcement rights on this contract. 
Verify whether XXXX XXXX still legally owns this account or if it has been transferred to another entity. If transferred, the entity that currently holds the contract should be the only party reporting. 

Failure to correct this inaccurate reporting will result in further legal action, including complaints to the CFPB, FTC, state attorneys general, and private litigation for violations of the FCRA, XXXX, and consumer protection laws.
Product: Credit reporting or other personal consumer reports

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

15 U.S.C XXXX section 602 XXXX States I have the right to privacy. 

15 U.S.C XXXX Section 604 XXXX Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions