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

I filed a dispute with transunion through certified mail. Transunion didnt not start the clock on my dispute. What transunion did was ask me to verify my correspondence which is a delay tactic. My documents were notarized with drivers license presented with the notary. XXXX verifying information was given. Transunion didnt start my request. Transunion in return asked me for my drivers license in order for Transunion to open dispute. They used this time to send a letter to my home address so they knew very well who requested a dispute. This is one of many violations that Transunion continues to get away with. Constant delay tactics. The account in question is reporting several different months on the different credit bureaus. Variations of date of reported XXXX day late from XXXX XXXX isnt consistent with the XXXX credit bureaus. This tells me the second party credit reporting agencies have provided transunion wrong information that has not been verified. Transunion is allowed to report unverified information to consumers credit report time and time again. I gave Transunion no permission to violate my consumer credit report in this manner of reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove these inquiries from my credit report that i did not authorize, i have contacted them several times with no help at all.       XXXX   XXXX  - XX/XX/XXXX  and  XX/XX/XXXX    XXXX    XXXX - XX/XX/XXXX    XXXX -   XX/XX/XXXX  and  XX/XX/XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX -  XX/XX/XXXX    XXXX   XXXX  - XX/XX/XXXX   XXXX -  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX - XX/XX/XXXX   XXXX   XXXX - XX/XX/XXXX  WFDS- XX/XX/XXXX   XXXX - XX/XX/XXXX    XXXX   XXXX    XX/XX/XXXX   XX/XX/XXXX   Finance  XXXX    XXXX   XX/XX/XXXX   XX/XX/XXXX  Bank  XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union   XXXX   XX/XX/XXXX   XX/XX/XXXX  Credit Union
Product: Mortgage

My complaint is with Select Portfolio Servicing XXXXXXXX XXXX # XXXX. 

For several months I told them they had collected WAY too much money in my escrow account. Finally, they agreed to review my escrow account on XX/XX/2022. They finally did on XX/XX/XXXX and decided that yes indeed, they had collected {$18000.00} too much. 

They " said '' they mailed a check on XX/XX/XXXX. ( Who " mails '' a check over {$18000.00}? ) It is now 11 days later and no check has been received. It has been 23 days since they " learned '' of their over charging me. I still have not been made whole. They have {$18000.00} of my money that they have been earning interest on. 

I WANT DAMAGES!!!!! They are abusing consumers and are earning thousands in interest rather than promptly reimbursing the client what they should not have had the whole time. 

I warned their incompetent staff REPEATEDLY that I was going to the CFPB. One of their employees said, " go ahead, we don't care. ''
Product: Credit reporting or other personal consumer reports

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX  I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within 30 business days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying down my Credit Card balances, but this decrease in the card balance is not reported in a timely fashion, as opposed to ANY increase in a card balance, which seems to be updated in a matter of days. I have paid down XXXX of dollars in Credit Card debt, but my percentage of use never changes. This is critically impacting my ability to get credit to add available credit, which would lower this percentage of use as I pay these balances down. 
This is clearly both negligence in regard to the consumer, while at the same time offering only cards with high annual fees which finically benefits the Credit Reporting agencies, besides implying that paying to upgrade to a service offered by the reporting agency would assist in increasing the consumer 's credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called USAA CREDIT CARD CUSTOMER SERVICE 2 years ago about credit alert that my credit score went down from XXXX to XXXX Representatives told me it was because I used XXXX $ on a credit card that I asked for a low limit to use online because are other card had XXXX $ of available credit We have never had a late payment had XXXX $ in available credit She told me because I used half of the XXXX $ credit limit. We then got in an argument about this I asked to report a complaint and they would put me on hold and disconnect from me this went on for 3 hours. Since then my credit report from XXXX has been lowered then the rest of companies. Usaa submits charges that are false on my card the credit reports are lowered on my report then my husbands 2 years this has been going on USAA HAS REPORTED THAT WE OWED XXXX $ false on our credit card. We have been so careful with are money I dont feel a representative should be able to do this to someone who has outstanding credit Please make this stop they recently added a XXXX $ charge that was disputed and refunded back on to my credit card to lower the score
Product: Vehicle loan or lease

I contacted MotoLease on friday XX/XX/XXXX. i advsd them that a payment has come out of my acct that was not authorized by them. they stated it was due to my lease agreement but I also had my payments deferred for two months which means i would of been due until XXXX. I advsd them of that and they said it was an error on they end. I told them that i wanted it refunded and the bank fees refunded. it is now XX/XX/XXXX and ive received two overdraft fees from my bank and also they have taken another payment out. Due to covid i was relying on that money for food thats why i deferred the payments for a couple months. Now i have XXXX $ of overdraft fees on my bank acct along with negative XXXX $ balance. I want my money back and my overdraft fees credited that continue to get added with the negative balance.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XXXX SSN : XXXX TransUnion LLC Consumer Dispute Center XXXX box XXXX XXXX XXXX PA XXXX TransUnion Disputes Information Center Dear Transunion I was under the impression that you are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning me and my consumer file. 
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish However, I would like you to conduct a reasonable reinvestigation to determine whether the following disputed information is inaccurate and delete the items from my consumer file in accordance with XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) : 1. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - This account was charged off on the following date ( XX/XX/XXXX Since then, the account has repeatedly been updated as charge-off every month. This is an update on the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. 

2. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - The date of the last activity, the highest balance and the date opened 3. XXXX - Account # XXXX Delete this account because you are inaccurately reporting - A lot of items inaccurate check the report on the picture Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the complete of your re-investigation. 

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

ON XXXX XXXX I sent in a request to get some unknown Inquires off my credit report with Equifax . I have sent them the identity theft report showing the inquiries that I have no knowledge of they sent me a response on XX/XX/XXXX saying accurate when XXXX and XXXX removed the same Inquiries. here are the list of them XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bank as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Money transfer, virtual currency, or money service

In early XXXX of this year, I arranged to sublet an apartment in New York from XXXX XXXX, which involved a digital payment of the {$2500.00} deposit. We discussed whether to transfer those funds through XXXX or Venmo, and XXXX indicated that he highly preferred that I use Venmo. I would have preferred to use XXXX because it is integrated into my financial institution 's website, XXXX 

However, I agreed to make the transfer through Venmo, and paid {$2500.00} on XX/XX/XXXX. However, I had inadvertently marked the payment as being " for goods and services. '' XXXX objected to that, because Venmo would take a fee out and because that designation might have tax ramifications for him. So he contacted Venmo and arranged to refund the money, and I agreed to send him the same amount through XXXX. 

On that day, XX/XX/XXXX, Venmo told XXXX that they had issued me a refund, and that I would get the refund in 3 to 5 days. However, it is now 16 days later and despite hours of efforts on my part, the money still has not been returned to my account. 

Most recently, on Friday, XX/XX/XXXX, after having sent Venmo a copy of my most recent bank statement AND several pages of screenshots, I received an email telling me that my case was " being escalated to an Account Specialist who handles these issues. Someone from that team will reach out with the next steps within 7-10 business days via email. '' I wrote back and indicated that this was not acceptable, and haven't heard anything since.
Product: Money transfer, virtual currency, or money service

following up for pervious complaint XXXX and XXXX I submitted this complaint on XX/XX/2023 to provide the XXXX  message XXXX XXXX has sent to USAA bank regarding the fraud transactions XXXX However as of today USAA bank didn't response to XXXX XXXX via XXXX and not response to the case XXXX. 

I've visited XXXX XXXX XXXX today to discuss with their fraud team. As of today, USAA still not responding to XXXX XXXX XXXX messages. I provided the pervious response ( CFPB complaint XXXX ) from USAA requesting XXXX XXXX to contact them via email or fax, XXXX XXXX XXXX XXXX can only communicate with other banks with XXXX XXXX  message. They can not contact USAA bank via email nor fax because it's not regulated channel of communication. They reconfirm me, XXXX channel message is the only acceptable channel between banks regarding payment issue. Therefore USAA must response to XXXX XXXX via XXXX channel. If USAA needs any kind of agreement it's also on USAA bank to raise such request thro the XXXX channel. It's not possible for an individual like me to instruct a bank to issue hold harmless agreement to another bank. One more point XXXX XXXX point out to me, if the fund is still available ( as per to case XXXX USAA bank response XXXX they can not locate the account that I sent money to ) they should return the fund without asking for any " hold harmless agreement ''. 

I demand USAA to response to XXXX XXXX via the XXXX channel to start the communication immediately. If USAA continue to ignore messages sent through regulated communication channel but asking for outside, unregulated communication, I'll escalate the complaint to Regulator via Federal Reserve to investigate on any non-compliance process within USAA, and I reserve the right to pursue legal action to claim any interest loss and phycological injury occurred during USAA bank delay in response of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX  XXXX XXXX Balance : {$140.00}
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 .I told XXXX , XXXX  , and Equifax to reinvestigate these accounts : Account name : Date Filed XXXX Court Id XXXX XXXX XXXX Case Number XXXX Trustee XXXX XXXX XXXX Type Individual Disposition Proposal to creditors Disposition Code XXXX Liability XXXX Assets XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX  Original Amount {$9000.00} Balance Amount {$9000.00} Last Payment XXXX, Account name : Description Unpaid Collection Code UC Date XXXX Agency Name XXXX XXXX XXXX Account Number XXXX Creditor XXXX XXXX XXXX XXXX Original Amount {$430.00} Balance Amount {$760.00} Last Payment XXXX, Account name : Date Reported XXXX Creditor Id XXXX XXXX High Credit Amount {$690.00} Balance Amount {$690.00} Past Due Amount $ XXXX Months Reviewed XXXX Date Opened XXXX XXXX Type Open Payment Rate XXXX payment past due Payment Rate Code XXXXAccount name : Date Reported XXXX Creditor Id XXXX XXXX XXXX  High Credit Amount {$11000.00} Payment Term Amount {$260.00} Balance Amount {$14000.00} Past Due Amount {$1800.00} Date Opened XXXX XXXX Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code XXXX Account name : Date Reported XXXX Creditor Id XXXX High Credit Amount {$10000.00} Payment Term Amount {$9900.00} Balance Amount {$11000.00} Past Due Amount {$11000.00} Date Opened XXXX XXXX Type Revolving Payment Rate Bad debt, collection account or unable to locate Payment Rate Code XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Bankruptcy is unverified by the US Bankruptcy Court and court trustee of the XXXX XXXXXXXX XXXX XXXX  Bankruptcy court, as it is known that the court and court trustee are not credit furnishers to credit reporting agencies. Information is assumed and not verified by a complete social security number that the US Bankruptcy Courts omitted from public record as a result of Federal Regulations that the Federal Government has put into effect to protect consumer rights against invasion of privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute letter to Experian asking them to verify a debt that is showing up on my credit report. In my dispute letter, I explained and provided documentation showing that the balance for XXXX XXXX is not correct. I settled with this creditor for a lesser amount but they are stilling reporting the original balance. Experian did not do a through investigation to verify the corrected amount owed on this debt. I have proof were XXXX XXXX agreed to settle the debt for a lesser amount and I have been making payments. It is being reported that XXXX, XXXX is the original creditor, that is also incorrect. XXXX was the original creditor, who sold my loan to XXXX XXXX. XXXX XXXX is reporting that 0 % has been paid, that is also not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person & I'm a living human being. I have rights under USC 1681. I demand the accounts below to be removed. According to 15 USC 1681 I have the right to privacy and I did not give Transunion written consent. 
I've disputed these inquiries several times. They are fraudulent and weren't authorized by me and I want them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notified Experian that I was provided no prior knowledge of account nor debt but account still is being reported negatively and defined as accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX I was going over my credit report and I noticed this account opened and reported negatively on my report. This is a surprise because I do not own this account nor have I ever owned a XXXXXXXX XXXX XXXX. I am requesting that this account be removed from my report immediately as it violates my rights as a consumer. This negative reporting is hindering my abilities to qualify for loans. 

As reported to XXXX : there is only history for 3 months in XXXX ; XXXX  60 days past due, XXXX  90 days past due and XXXX  120 days past due. There is no other data provided for this account in XXXX. There is also no close date on this file, nor is there an amount past due or actual payment amount recorded. There is no close date for this file. This account is obviously fabricated. Please remove this from my XXXX XXXX. 

As reported to EXPERIAN : there is much more lengthy history, however the start of the delinquency is called into question because the start of the delinquency does not correspond to the start of the delinquency in the aforementioned report. Experian shows 30 days past due starting in XXXX, 60 days past due in XXXX, 90 days past due in XXXX, 120 days past due in XXXX, 150 days past due in XXXX, and charged off in XXXX, XXXX, XXXX and XXXX. 

The question herein is, how can i be both 30 and 90 days past due in XXXX of XXXX? This account is obviously fabricated. Please remove this from my Experian File. 

As reported to XXXX : The last date updated on this account was XX/XX/XXXX. But the other two accounts were last updated in XX/XX/XXXX. 
XXXX shows the date the account will fall off is XXXX of XXXX, but XXXX shows XXXX of XXXX. XXXX shows that this account was 120 days past due both in XXXX and XXXX of XXXX. How can it be 120 past due for two months? This account is obviously fabricated. Please remove this from my XXXX XXXX.
Product: Debt collection

There was a damage to a blind and holes in the wall where we mounted our TV. We provided a {$250.00} security deposit, yet we were still charged an additional {$220.00}. Despite the deposit being applied. Additionally, there were two separate utility charges being billed to us within the same month. The letter I got was for a charge of {$220.00}. But they are reporting a charge of XXXX to the credit bureaus. I will attach the breakdown of list from the company alongside the pictures of the blind and holes, also attached is the payment due for the month of XXXX plus the initial letter I received from them for a charge of {$220.00} and cheque for payment of rent and utilities of the month of XXXX. The apartment complex contacted my wife and abruptly stopped responding to the mail when she asked why we were being charged for normal wears in the house. We were also charged a {$75.00} cleaning fee for a dirty oven. We told them that the oven was dirty even before the start of our stay.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report, I noticed several unauthorized credit inquiries. I suspect that I am a victim of identity theft and have contacted the appropriate authorities including the FTC and my local police department. I did NOT authorize the following inquiries listed below. These fraudulent credit checks were not obtained with my consent. Please delete immediately and send me an updated credit report confirming the removals. XXXX XXXX ( Bank ) XXXX XXXX, XXXX - EQUIFAX XXXX XXXX Miscellaneous ) XX/XX/XXXX - EQUIFAX XXXX XXXX ( Bank ) XXXX XXXX, XXXX - XXXX XXXX  ( Miscellaneous ) XXXX XXXX, XXXX - XXXX