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

In XXXX of XXXX, I received a mail at my home from USAA with a checking account that was in the negative for over {$2000.00}. I contacted the Fraud Department for USAA and let them know that I had NEVER opened this account. A gentleman told me he apologies he will get the matter resolved immediately. He asked me would I like him to report this to consumers to notify them that I am a victim of Identity Theft. I thought I was doing the right thing when I said " Yes please! '' Instead, USAA sent over an Identity Fraud alert to XXXX XXXX XXXX. I have called and spoken to a XXXX XXXX XXXXXXXX for USAA on XX/XX/XXXX for XXXX minutes where I was asked public information that is in public records for verification purposes. I filed a police report and would like to know how may I please clear this off of my report. Thank you.
Product: Debt collection

Debt was garnished out of my payroll check. Amount paid as agreed. Debt agency refused to correct my credit report as stated.
Product: Debt collection

I sent The Pentagon Credit Union an Notarized Affidavit Of Truth stating multiple violations via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm demanding a response and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth.
Product: Credit reporting or other personal consumer reports

I am writing to dispute hard inquiries that have appeared on my credit report. After reviewing my credit report, I have identified these inquiries that I know are inaccurate and should be removed : XXXX XXXX XXXX  All Banks XX/XX/2023 TransUnion XXXXXXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing this letter in response to the noncompliance of Equifax. 

On XX/XX/2021 I XXXX XXXX XXXX submitted an identity theft affidavit with identitytheft.org because of two accounts that are still reporting to my credit file from a company named XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. 

I also requested a correction for a previous employer named ( XXXX XXXX  XXXX ) that is reporting to my Equifax credit report to be removed. This employer is not my current employer and should be removed. 

As of XX/XX/2021 a certified letter with signature confirmation from the U.S. Post Office was to delivered to Equifax, and I have not gotten a response back from Equifax since this day of XX/XX/2021 relating to this investigation regarding all three of these inaccuracies. 

It has been 39 days since my dispute was received from Equifax and as of today on XXXX/XXXXXXXX, all related disputes are still currently reporting to my Equifax credit file. 

This is a violation of my rights and I intend on taking legal action as of now, and depending on the outcome of the investigation from Consumer Financial Protection Bureau I will be swiftly filing defamation lawsuit along with negligent enablement of identity theft and the violation of the Fair Credit Reporting Act. 

I am holding Equifax responsible going forward. 

I demand both fraudulent accounts and employer inaccuracy be deleted immediately because of the 30 day noncompliance that Equifax has shown or ill be forced to take legal action.
Product: Debt collection

On XX/XX/XXXX, I received a debt collection phone call from the firm, XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX ( no last name given ) stated that XXXX, the company managing my long-term XXXX benefits, had turned over debt collection to them for " XXXX offset. '' He claimed that I owed {$23000.00} in Social Security benefits, dating back from XXXX, XXXX, to XX/XX/XXXX. 
I told XXXX that I had only just started receiving benefits in XXXX, XXXX, and that I had received only the benefits for XXXX, XXXX, and XXXX, XXXX - that I have received NO BACK BENEFITS. He said that his collection company would intercede with XXXX on my behalf about the debt, and that he'd be " checking on '' the debt every few weeks! 
I tried explaining this directly to my XXXX claims XXXX, XXXX XXXX XXXX, that referring me to a collection agency about money I was never paid without even asking me about it, she said that a separate department of her company handled " recovery '' of " overpayment '' of Social Security benefits and that she would ask someone to call me about this issue. XXXX XXXX, a XXXX from XXXX XXXX XXXX XXXX XXXX, called me and said much the same as XXXX. I wrote a letter, which I mailed and emailed to XXXXXXXX XXXX XXXXXXXX asking for a transcript of the recorded phone call during which I clearly and repeatedly dispute this debt in its entirety. On XX/XX/XXXX, I received a written collection notice in my postal mail, again stating that I owe {$23000.00} in " XXXXXXXX XXXX XXXX' to XXXX. I have now explained to my XXXX claims XXXX AND XXXX different XXXX & XXXX employees that I have received NO BACK PAYMENTS from Social Security. This is harassment!
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Reporting of Payments and Addressing Reporting Discrepancies Dear XXXX, I hope this message finds you well. I am writing to express my concern regarding the current reporting practices of my account. Specifically, I have observed a disparity in the timeliness of reporting payments to credit bureaus. 

It has come to my attention that payments, especially those made to bring my account current, are not being reported promptly, specifically payments paid on XX/XX/XXXX, XX/XX/XXXX & XXXX, XXXX. In contrast, delinquencies are reported immediately. This inconsistency is unfair and detrimental to my credit standing. 

I request that all payments, including those made to bring my account current, be reported to the credit bureaus immediately upon receipt. Accurate and timely reporting is crucial to ensure a fair reflection of my creditworthiness. I am requesting that you report all current payments to all 3 credit bureaus immediately.

Thank you for your prompt attention to this matter. I look forward to your immediate action to rectify this issue. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I was with XXXX  for 13 years and in the course of my relationship with XXXX, I found them charging me for lines I did not use anymore on three different occasions due to their negligence. When I called them on it they cut me off from my information. Hence, I was unable to fight them on this last time I caught them because all my devices were paid off and my bill was still {$540.00} a month when I researched my account they had been charging me with lines I closed at one point and they reopened or blatantly left open so that my bill would be high. When I asked for one of the Managers they told me that even though they had been charging me for 9 years for three different lines that were not needed they would only refund me for 3 months. I expressed my unhappiness and told them I would no longer use their services. Once I left they began to send me bills saying I owed money for devices I already paid off. like my XXXX watch and an XXXX cell phone
Product: Mortgage

BBT once again is overcharging my escrows account by almost {$1000.00}. I have been dealing with this issue since XXXX 2015 and they are still messing this up. I DO NOT WANT TO OVERPAY AND I SHOULD N'T.
Product: Credit reporting or other personal consumer reports

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

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXXXXXX 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 

According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Yesterday, on XX/XX/XXXX, I received two emails from Capital One. The first email indicated that I had a new enquiry in my credit, and the second one was an approval for a Capital One card. In response to this, I promptly contacted Capital One this morning, and they assured me that they would investigate and resolve the issue. I also took the initiative to reach out to XXXX, which is the credit bureau associated with this card. They confirmed that they had canceled the request and placed a fraud alert on my credit report to prevent any unauthorized activity.In addition, I got in touch with XXXX, and they successfully removed the request associated with the Capital One card application from my credit report. 
However, when I contacted XXXX, they advised me to create a report here and send some specific information to them via a letter. My primary goal is to have the request from Capital One on XX/XX/XXXX completely removed from my credit report to prevent any negative impact on my credit score.
Product: Credit card or prepaid card

My ReliaCard card isnt working Im receiving benefits I turned in information to unlock my account they received my information and they still playing with my money
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed items. Please send me a detailed explanation of how you obtained theses results. Did you receive written notification from the company or was it a verbal confirmation? 

Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023 I paid my prosper card statmentment balance of {$840.00} and it was paid by my bank on the XXXX. Prosper card generated a stastement reflecting that they received the payment which was in fact a {$55.00} overpayment on XX/XX/2023, yet they are attempting to charge me {$19.00} as a merchandise finance fee even though I have not used the card. Last month Prosper indicated that they were reducing my credit limit because of several delinquent accounts, even though none of the credit bureaus reflect this incorrect information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX All these accounts are either not reporting or not reporting accurately on my Equifax consumer report which is in violation of consumer reporting agency, this is negatively impacting my score which is not allowing me to get credit on favorable terms. 
Please investigate and rectify the situation immediately. 
Thank you for your time.
Product: Credit card or prepaid card

on XX/XX/2022 multiples accounts were opened : XXXX XXXX XXXXXXXX, discover, XXXX XXXX debit cards online.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of accounts which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$840.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$920.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Debt collection

I checked my consumer report and I noticed numerous fraudulent and inaccurate accounts on my consumer report.
Product: Debt collection

Please review my Inquire # XXXX I filed it with the CFPB on XX/XX/2021. On XX/XX/2021 I received an automatic email from the CFPB stating the Debt Collector has not responded to my inquire, this last XX/XX/2021 I received another collection letter from them, It clearly shows this Debt Collector doesn't have any interest to respond my DEBT VALIDATION LETTER I submitted along with the previous inquire. 
Im attaching the collection letter received from this debt collector LEONARD & ASSOCIATES demanding now {$170.00}. I'm attaching the letter received.
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. Act Name : XXXX XXXX XXXX, Act Number : XXXX, Act Name : XXXX XXXX XXXX Act Number : XXXX Act Name : XXXX XXXX XXXX, Act Number : XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which anteaters the report by more than seven ( 7 ) years. 15 USC 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 reasonably believes that the information is inaccurate. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), as it falsely manipulates the statute of limitations. As a consumer, I am entitled to accurate and up-to-date information on my credit report, and I expect all reporting agencies to fulfill this obligation in compliance with the FCRA and other applicable Consumer Protection Laws. Because of this apparent neglect, I request that this erroneous information be immediately DELETE from my credit report, and that you provide me with an updated copy of the report once this has been done. Thank you for your attention to this matter. Sincerely, In accordance with the Fair Credit Reporting Act, The list of inquiries below has violated my federally protected consumer rights. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years
Product: Credit reporting, credit repair services, or other personal consumer reports

Please disregard last request and I was wondering if I could get a generous REMOVAL of these hard inquiries and account in collections please? 

XXXX Total balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX Balance - Balance updated - XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/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 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 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 XXXXnquiry 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 XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX
Product: Mortgage

During the XXXX XXXX of XXXX, I suffered great losses on a number of my rental properties, due to non-paying tenants. I had to declare bankruptcy. I filed, Chapter XXXX. I was able to re-organized all my debts with the exception of my primary home. The mortgage holder at the time was, XXXX XXXX XXXX. They adamantly refused to negotiate, ultimately filing for foreclosure. 

In XX/XX/XXXX, I refinanced four investment properties with XXXX XXXX, with an interest rate of 10.75 %. Although I was aware that this rate is excessive ; I had to do this as an emergency, to cash out funds, to save my primary residence, which was about to be foreclosed upon. The closings took place on XX/XX/XXXX. Immediately upon closing, the mortgages were sold to MR. Cooper. 
As per the Mortgage Note, my first monthly payment was due, XX/XX/XXXX, with a grace period of 12 days. See attached Mortgage notes. I sent my first payment to MR. Cooper on XX/XX/XXXX. The checks were cashed between XX/XX/XXXX and XXXX. See attached copies of cancelled checks. 

The end of XXXX, I received a call from a representative of Mr. Cooper, claiming that, three of my loans were past due. I told the representative that all loans were up to date, my first payment was due XX/XX/XXXX. According to the, representative, my first payment was due XX/XX/XXXX, I referred him to the Mortgage XXXX, which clearly states XXXX, XXXX. Over the ensuing months, Mr. Cooper continued to fail to apply payment to three accounts, despite cashing all checks ; all while, still making harassing phone calls, demanding payments. In XXXX of XXXX, I faxed copies of cancelled checks to Mr. Cooper, however the phone calls did not stop. 
As of this date, I have not received my 1098 statement from Mr. Cooper,. for the follwing accounts : 1.- XXXX XXXX XXXX XXXX Loan XXXX XXXX 2.- XXXX XXXX XXXX XXXX Loan # XXXX 3.- XXXX XXXX XXXX XXXX Loan # XXXX Im asking for your assistance in solving this problem. Looking forward to hearing from you, I remain. 
Thank you, XXXX XXXX
Product: Credit card or prepaid card

Applied for a Sears Mastercard and inquired about balance transfers, was told by the representative that there was a 0 % interest charge for 1 year on all purchases and balance transfers. Got the card, made a balance transfer and immediately began being charged interest on the transfer. To date, the interest totals more than XXXX and has my account listed as over the limit. When I first notice the charges back in XX/XX/XXXXof this year I called Sears and the rep said they'd reverse the charges, they never did, and I shouldn't see anymore interest charges. My statement 's have high $ interest charges each month. I made XXXX in purchases and got XXXX in interest charges ... .I asked about this and was told it was because of the balance amount which included the balance tranfer. I told Sears to close the account and I was disputin the charges based on false representation by their representative
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on ATTORNEY GENERAL-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX accounts for months. Equifax refused to reverse the late payment.. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reporting fraud on my credit report. 
XXXX XXXX XXXX  is the account And the amount is : {$120.00} This is not My account and was opened not under my consent. It needs to be removed from my account immediately.
Product: Checking or savings account

Business checking I am not able to transfer money to my personal checking account. Chase business account to a chase personal account. Tuesday at XXXX I called chase bank to find out why my transfer to transfer was canceled. On hold total time XXXX mins. Was transfer XXXX  times and rep told it it was a fraud issue. Transfer to a deadline. Waited XXXX a no answers. Called Tuesday XXXX at XXXX. Rep told me that its a fraud issues and we can not transfer between a chase business and chase checking account advise chase checking account was approved by chase for transfer. On XX/XX/2023. Transfer was sent and was green. 
Chase called Wednesday XXXX. XXXX. Talked to XXXX  and was hung up on. Rep said this is a fraud issues. Called back. Talk to new rep and they said it was a fraud issue. Advice on chase business to chase personal checking. Advise same person with same info on both accounts. Ask to file a complaint. No complaint was log. Ask to speak to a manager No manager will come to the phone. Ask who is manager first and last name. Was only told XXXX and rep said no one is allowed to tell his last name. Ask for a manger above XXXX and was given XXXX. No last name. Online profile is now block by chase. Unable to get access to my account. Please advise. No compliant was login to chase system. No manager will come to the phone or take info. Accounts as locked. Please reach out to chase
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Put a Hard Inquiry on my credit and i never requested for a auto loan, or agreed to them running my credit for anything.
Product: Debt collection

This debt is a result of me co-signing a student loan. They call allday long. If you do answer they demand personal information ( last XXXX of ss # plus date of birth ) before they tell reason for call, When I refuse to provide info over phone they hang up and call back within a hour. I have repeatedly ask them to stop calling. I 'm not avoiding the debt, they always get paid. I just do n't want to be harassed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 medical collections being reported by XXXX XXXX XXXX in XXXX, LA. These are NOT my bills and I have asked for validation of debt. However, I've tried to dispute the accounts through all credit reporting agencies and they have not removed them.
Product: Checking or savings account

Navy federal wasnt depositing my XXXX transactions as the money was sent to my account. This caused navy federal to chatter an overdraft fee for money I had available.