23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XXXXXXXX Balance : {$170.00XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXXXXXX Balance : {$170.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is reporting to from different furnishers and can not be validated. Please see the response below and delete account as well. 

CFPB # XXXX Company 's Response Account Summary Creditor : XXXX XXXX Account No : XXXX XXXX XXXX   Reference No. : XXXX The account information XXXX XXXX   furnished to the credit reporting agencies was provided by the original creditor. It included a social security number and date of birth. We have not been able to complete our investigation of this dispute and will request that any information provided to the credit reporting agencies regarding this account be deleted or removed from their records. Once debt validation is received, we will provide that information to you but the debt will not be re-reported to the credit reporting agencies by XXXX   XXXX, XXXX. This communication is from a debt collector. Sincerely, XXXX XXXX Consumer Affairs XXXX XXXX, XXXX XXXX XXXX XXXX This is the same account on TransUnion : XXXX XXXX Ohio # XXXX
Product: Credit card or prepaid card

I am a retired military veteran and WAS a happy, loyal USAA member for more than 10 years. On XX/XX/XXXX, I got a text message from USAA that my credit card limit had been increased. That was great news because I use credit quite frequently needed a little more cushion. Unfortunately, when we tried to use the card later that day, it declined. I called the bank to find out why and they said rudely " What credit card? We don't show one on file. '' After several frantic phone calls, we finally discovered someone at USAA closed my account. This wasn't just a precautionary security lock ... ..it was force CLOSED. I demanded to know why, but no one had the answer. One guy from the credit card department said it looked like someone in the security department made a mistake and would be reprimanded. I was mad to say the least. As a military guy, a bunch of my friends and family work or bank with USAA so I posted on social media about the situation. Soon after, I received a message in my inbox from XXXX XXXX that my account was closed due to " unacceptable behavior ''. I found out later from an insider they were taking screenshots of my conversations on social media. This leads me to believe XXXX XXXX may have abused his power at the bank to punish me for complaining publicly. 

A few days later, I got a call from a bank employee who said she represents the CEO, XXXX XXXX. Apparently the executive board made a " business decision '' to close my account and they were in the process of closing my mother 's, brother 's, cousin 's and spouse 's accounts. She also said they are not going to tell me the real reason why because by law they don't have to and they have no record of the conversation I had with the credit card guy about them making a security mistake. It felt like a total abuse of power. I have reason to believe XXXX XXXX improperly used his position at the bank to influence this " business decision ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's an account on my credit report that has been removed and a couple of months later it pops back up making me go through the entire dispute process all over again. When it does show up again you can see that whatever discrepancy I would point out on a previous dispute would be corrected, but have another piece of information wrong or different across all 3 agencies. It's obvious because technology now allows me to capture the screen shot and see how it's changing as if. I'm not noticing it. How many chances does one get to correct the record? Eventually with enough chances they'll be able to get it all right. In my opinion there's been enough of what I think in my own opinion violations done to me to where I don't have to argue about the validity of the account in question. Currently XXXX has been the only one out of the three that has got it right for the second or third time, sorry im starting to lose track. It's insane what I have been forced to go through. Dispute after dispute. I've even sent the disputes certified pointing out all the discrepancy in regards to the the amount of the account. It always changes. I even have a recorded phone call with one of there employees who couldn't get the facts right. First the original balance was {$3800.00} then it was {$3800.00}. But then there was adjustment that brought the original amount to {$3000.00} to no wait the original amount is {$3800.00} and 20 % of it was already paid. 2 of the credit Bureau 's had the original amount at {$3800.00} and the other at {$3000.00}. Experian with the original amount of {$3800.00} with a high balance of {$0.00}. XXXX removed the account then reinserted it without notice. No heads up, no letter in the mail letting me know. XXXX did the same without notice. There's incomplete information showing the collection status for the last 3 months and no status information for all the months before hand. I asked for the credit Bureau 's for the findings of facts with proof of the investigation efforts and nothing but crickets. They have date of first delinquency of XX/XX/XXXX of 2018 yet I have a letter from the the original creditor stating the payment was due XXXX of 2018. They claim the debt is educational yet the information they furnished to XXXX reporting agency  has absolutely nothing in the trucking school section of the report. I'm sure there's stuff I'm forgetting. I just want this account to be gone, deleted, and done and over with. I have proof of all this. I'll try to attach as much proof as i can but please if theres anything you dont understand or need explanations of anything, then for love of XXXX contact me by any means possible.
Product: Credit card or prepaid card

XX/XX/2022 American Express To Whom It May Concern, I am a XXXX XXXX XXXX, semi-retired XXXX. I have carried an American Express card for some XXXX years. I have always been loyal to the brand throughout that time and had an exemplary record of payments and interactions. I felt that American Express 'Had my back ' throughout that time. I am currently on vacation in XXXX XXXX for XXXX weeks. I have used my business card several times for expenses, including internet services. Yesterday I received an email notice from Amex that my account had been CANCELED. I have always made payments on time and significantly higher than required. To my knowledge, there were no issues that could have prompted this action. I feel betrayed. I feel that American Express has no regard for my loyalty, and further, has no respect for my age. If this be true, I simply want ANSWERS Today, I spent more than XXXX hours on the phone and on hold only to be disconnected when required 'team ' member picked up. When I called back, I was told that I would have to be re-connected to the 'special team ' for resolution but that their 'system ' was down and it would be another extended wait. I opted to use online chat and asked to be connected to the relevant " team ''. I was told to call back. 
On XX/XX/XXXX of this year, I was notified by American Express, that another fraudulent payment had posted to my account, with XXXX balance for {$50000.00}. I immediately chatted with Amex XXXX, since it was after hours, and was told to call back in the morning, which I did. After spending several hours on the phone with no less than XXXX employees, I was told that the issue would be investigated and resolved by XX/XX/XXXX? Please note that XXXX was the day that the initial investigation was to be concluded. 
I intend to pursue these unexpected and unreasonable action on the part of American Express in any manner possible including social networks, government agencies, and potential legal actions of age discrimination. Your prompt and diligent effort are appreciated. 

Regards, XXXX XXXX XXXX : XXXX  XXXX XXXX CFPB, XXXX, XXXX XXXX XXXX
Product: Credit card

on XX/XX/XXXX, I made an order with XXXX, with {$47.00} and shipping to California, but XXXX charged my capitalone credit card for XXXX amounts : {$47.00} and {$47.00}. I asked XXXX to provide order details of the {$47.00} transaction but they could not. They suggested me to dispute with my bank capitalone and I did. to respond to the bank, XXXX provided some fake transaction information which is definitely not {$47.00}. This {$47.00} transaction is non-existing, but XXXX provided to capitalone with order number XXXX and an XXXX shipping number ending in XXXX which belongs to a totally different transaction with amt of {$1.00}. Since this tracking number shows some products are delivered to me, so capitalone claimed that this {$47.00} transaction is valid without further examining the transaction amount. 
I am here to make a complaint that XXXX charged me {$47.00} on non-existing orders and Since I just paild {$10.00} membership fee but XXXX suspended my account due to this dispute, I am requesting XXXX / capitalone to return {$57.00} to me. 
Thank you
Product: Credit reporting

I have called in to experian multiple times trying to get in touch with a special handeling agent. multiple times i was told that they were unable and/ or simply refused to transfer me. I found XXXX companies that had done hard inquiries into my account without my permission and wanted to report this. after multiple calls and multiple agents being belligerent, i finally was transfered and was told that there was XXXX accounts ( total of XXXX inquiries that would be removed and a temp credit lock would be placed on my account so i can investigate further. The accounts were not removed, nor was the lock placed on my account ( now putting experian at risk should anything else come up. ) I also sent letters to the XXXX companies that had performed the inquiries illegally and asked for validation as to these being legitimate. none of the XXXX had gotten back to me in the 30 days required by law.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2018, an unauthorized transfer of {$3700.00} from my joint checking account ( USAA ) to an unknown account ( later determined to be XXXX XXXX XXXX XXXX. I immediately notified my bank, USAA, that same morning, XXXX XXXX, of the fraudulent transfer. I also followed up in writing to USAA on XXXX XXXX, XXXX XXXX, and XXXX XX/XX/2018, and requested the funds be returned to my account and that they pursue the fraud investigation. USAA responded on XXXX XX/XX/2018 that their fraud investigation is complete and they determined no fraudulent activity. On XXXX XXXX, USAA responded that their decision was based on multiple USAA system security records. Apparently the fraudulent wire transfer occurred due to fraudulent online access to my USAA checking account. USAA has failed to return the funds to my account as requested and they have failed to adequately investigate this incident. 

On XXXX XX/XX/2018 I notified XXXX XXXX XXXX, by both mail and email, of the fraudulent transfer to their account. XXXX XXXX XXXX responded that I must first work with my bank, USAA, to contact them about the fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXXXXXX XXXX, AZ 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX, AZ XXXX 3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/2021 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I am filling a complaint against Experian and XXXX XXXX XXXX for incorrect reporting. 
I had a XXXX XXXX XXXX  charge card that was Charged Off by XXXX XXXX XXXX on XX/XX/XXXX. This account was then transferred to XXXX XXXX / XXXX XXXX on XX/XX/XXXX. I paid XXXX XXXX on XX/XX/XXXX, and the account was settled. 
On XX/XX/XXXX I had disputed through Experian that XXXX XXXX XXXX  had not updated that my balance was now zero. The dispute came back where they updated the balance, however in addition they reported the account Charged Off again, Negative Payment and Failed to Pay resulting in new late payments and credit score to drop 20 points .On XX/XX/XXXX, I disputed again there reporting was inaccurate and I wanted it corrected. The results came back an additional Charge Off and Failed to pay, resulting in my score to drop another 14 points. 
On XX/XX/XXXX, I tried one last time to dispute after I spoke to an Experian dispute specialist and he assured me XXXX XXXX XXXX   reporting was obviously not accurate but they had to update according to what they report. Once again it was reported as a new Charge Off and Failed to pay causing another 14 point drop. The results were reported as unchanged. 
I tried writing directly to XXXX XXXX XXXX but they told me my account was closed and transferred to XXXX. How can XXXX XXXX XXXX  report negative when they have no right to this account since XX/XX/XXXX. Finally I spoke to another Experian dispute specialist and he called XXXX XXXX XXXX  while I was on the phone. He verified that I was correct but because this account was transferred, he could not correct my credit report. 
This has resulted in multiple negative reporting that is not accurate.
Product: Checking or savings account

I opened up a PNC Virtual Wallet online on XX/XX/2017. There were requirements ( to  receive a {$300.00} bonus ) of 1 ) $ XXXX or more in direct deposits within 60 days of opening and 2 ) 10+ debit card transactions within 60 days of opening. I met both of these requirements ( I had 3 {$2100.00} or so deposits from XXXX XXXX and did 12 debit card transactions ). It has been almost 3 months since I met these requirements and yet PNC has not credited me with the {$300.00} bonus for meeting these requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made several attempts to resolve this inaccurate information regarding the bankruptcy on my report. I have provided my police report confirming identity theft, contacted the Bankruptcy courts and XXXX   and EXPERIAN has failed to delete the inaccurate information. Ive sent them a letter back in XX/XX/2020 and they have not responded as requested. At this point, my consumer rights have been violated according to the FCRA. The next step would be contacting an attorney and suing both bureaus. XXXX has permanently deleted the inaccurate Bankruptcy.
Product: Mortgage

My mortgage statement from the last two months has reflected about a 50 % increase to my pmi. I sent in several requests to get an answer from my mortgage servicer, without a sufficient answer. My mortgage was modified in XXXX of 2014, and the balance owed was decreased was from about {$310000.00} ( original loan amount ) to abouty {$210000.00}. We currently owe about XXXX. Our PMI has been {$210.00} from when we originally opened it until my XXXX statement. That statement reflected the increase to {$310.00}. I called Nationstar 's customer service and they told me that it was increased due to the modification and my outstanding balance increasing. This is obviously not true.
Product: Mortgage

We are being harassed by Nationstar Mortgage with unsolicited correspondences and threats from them. On XX/XX/XXXX, Nationstar sent a letter threatening us with force-placed insurance. They state our insurance has expired ; which it has not! In a letter of XX/XX/XXXX,  Nationstar, in a letter to CFPB, Nationstar writes " we are appropriately listed as mortgagee on your insurance policy ''. This makes the letter of XX/XX/XXXX bogus and fraudulent. As a courtesy, I have responded to them by mail with USPS tracking. 
Since then, I have received 2 additional letters suggesting I have contacted them for information. This is untrue. I have not written to them nor do I intend to. These letters are unsolicited. 

Nationstar is under a consent agreement order with the CFPB for irregular bookkeeping ; it appears their records are in non-compliance with this order. 

They still have not responded to my feedback from the previous complaint.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX  XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # 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 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 personal 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account number # 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 also states a consumer reporting agency can not furnish an account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry that is not mine : XXXX XXXX XXXX XXXX
Product: Mortgage

In XXXX of XXXX I took out a mortgage for property at XXXX XXXX XXXX in XXXX XXXX, Georgia with Ameris Bank. I sold the property and the mortgage was paid in full on XX/XX/XXXX. 

I did not receive my escrow disbursement so I called Ameris Bank on XX/XX/XXXX. I was told that a check in the amount of {$7100.00} had been issued on XX/XX/XXXX and sent to my current address. Since it had been 20 days since the check was sent and I had not received the check, I requested that a new check be sent. I was told that I would have to wait until XX/XX/XXXX to call back and request a new check. I called back on XX/XX/XXXX and was told that I would have to wait until XX/XX/XXXX to call back and request a new check. 

On XX/XX/XXXX I sent the attached letter to Ameris Bank requesting an immediate refund of my escrow account. On XX/XX/XXXX I called Ameris Bank and was told that a new check would be issued in 30 to 60 days. I requested to speak to a manager and the manager stated that he would try to expedite the process. I have heard nothing from Ameris Bank since.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I settled and paid on BMW Charged off account in the amount of {$4500.00}. I have notified the company on several occasions that are still reporting the account as a charge off last payment received XX/XX/2019 and not reporting as the stated letter of the settlement. 

I have contacted and sent proof /documentation to all three credit bureaus and they are saying that BMW is stating that the payments are reporting correctly per BMW. 

The reporting is inaccurate as of XX/XX/2019 on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

credit inquires improper use of your report dont regonize
Product: Credit reporting or other personal consumer reports

MY ADDRESS Connected to my accounts DOES NOT MATCH MY CREDIT FILE MY XXXX XXXX XXXX ALL ABOVE CONNECTED TO MY OTHER XXXX CREDIT FILES AND CREDIT CARDS ADDRESS, XXXX XXXX NEEDS TO BE REMOVED OFF MY EXPERIAN CREDIT REPORT THEY ARE REFUSING TO REMOVE IT. 

ONLY ADDRESS THAT SHOULD SHOW IS MY XXXX XXXX XXXX THEY HAVE SUNSET CURRENT NOT THE XXXX XXXX XXXX it should be set as XXXX Address Only