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

On XX/XX/2022 I was checking my bank ( USAA ) account and saw that my savings account showed {$32000.00} was transferred out of my account without my knowledge. I immediately contacted a USAA rep by the name of XXXX and asked my questions about my complaints and he would forward to the Fraud Dept. of USAA. He said check back in 5 days. While I waited I looked closer into my saving account and saw that there were XXXX transfers from my account, in the amount of {$5100.00}, {$10000.00} and {$15000.00}. They were transferred into two other USAA Savings accounts. All these transfers were on XX/XX/2022. I was never notified by USAA that these transactions were happening. A Red Flag should have went up when they all happened in one day. To this day no notification from USAA. On XXXX XX/XX/2022, I called USAA and was forwarded to a Rep name XXXX, Security Specialist ( XXXX Ext XXXX. Again, she asked many questions about my account and I changed my user name, password and pin. She asked my to verify names of my account. My wife, XXXX XXXX and my daughter XXXX XXXX. She had two additional name as follows : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX and XXXX XXXX, XXXX XXXX, XXXX, CA XXXX. I replied I have no idea who these ladies are. These two names were added to my account with new Savings Accounts and this is where the funds were transfered and later withdrawn from these accounts, apparently the funds could not be tracked. I told XXXX ( USAA rep ) I never authorized the name or the transfers. She told me to check back on XX/XX/2022 and I did. She pulled my file and it stated this was not identify theft and I was liable. I said I don't what the correct wording is, but my account was hacked or compromised and that the bank did not protect or secure my funds and trying to put this as my fault. She resubmitted the claim to Fraud Dept. and check again in three days. I asked her if I could speak to someone in Fraud Dept. she said no and I would to get back with her. I think the bank ( USAA ) is blowing me off and not accepting their failure and responsibility of safe guarding my saving account. Why do I use a bank, to protect my assets. I need your help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear credit reporting Agency I am an identity theft victim. 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 XXXX  Opened XXXX. {$120.00} XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX
Product: Credit card

On  XXXX   XXXX  '  XXXX , I called  XXXX   XXXX   XXXX  to combine my accumulated points into  one and keep one c ard only with my name. I also told them, that I would like to transfer some points to my son 's  Chase SW  Rapid Rewards account, and at that time no one told me that there would be fees for that. Next, when I tried to transfer  XXXX  points to my son 's Rapid Rewards account, it only showed  Equivalent Dollar for su ch points and did not specify any fees, charges or any warning of that nature. Once the transfer was made, then an amount of {$350.00} was immediately charged to my Chase card for such points transfer.   When I realized that I have been billed {$350.00} ( surely not a small change ) for this type of points ( fictitious ) transfer, I called  XXXX   XXXX  Raid Rewards dept. and I was told that they could not do anything. I even wanted to transfer them back to my account and I was told that it is forbidden.   I seriously object to such charges due to following reasons ; These points are numbers accumulated due to actual purchase of items/services by the card carrying consumer and not really given by the  XXXX   XXXX   XXXX  dept.   These points by itself have no value till these are used to buy products and/or services.   By simply transferring points between family members, there is no items bought or services purchased.   Usually when a purchased merchandise is returned in original condition and within stipulated time period, the amount is refunded back to the card 's account. Then why this is not possible in this case, when I told them to transfer the Points back to original account.   Once again, I vehemently object to such charges for some fictitious points where no items was purchased and no services provided. This is nothing but a fraudulent business practice which needs to stop and charges withdrawn. I had seen several such complaints on-line from various other consumers.   Repeated written correspondences did not provide any fruitful result. I hope I am filing complaints with appropriate Regulatory Agencies and am seeking your help in stopping such fraudulent business practice  ( in  my opinion ). I may also seek legal help to hold  XXXX   XXXX  and Card Issuing Chase Bank responsible for such charges for artificial points without any actual sale of product or services.   By the way, if you would like to know my c urrent credit score,  it is  XXXX  which even went up to  XXXX  during recent past.   Appreciate if you could take all necessary action to resolve this dispute at your earliest.
Product: Credit reporting or other personal consumer reports

I requested 3 times for the mortgage company to produce my ORIGINAL WET INK SIGNATURE to view in the County where my home is and the written request was disregarded. There is a New Deed on my home now because the mortgage company attempted to collect payments on the basis of fraud. PennyMac and XXXX XXXX XXXX XXXX XXXX XXXX has defaulted on the Administrator Process and they no longer have legal claim on my home. I have the letters I sent them through Certified mail and my new Deed recorded at the Deed office in XXXX XXXX. Now they illegally reported to the Credit Bureau of delinquent payments that brought my excellent Credit score down low. 
Now its a NOTICE OF DISHONOR BEFORE COMMERCIAL LIEN contract revoked Rejected and denied UCC3-503 UCC1-503
Product: Credit reporting or other personal consumer reports

Dear Credit Reporting Agency, I hope this letter finds you well. I am writing to dispute a 30-day late payment entry on my credit report that pertains to my charge card account with The XXXX XXXX XXXX I believe that the reporting of this late payment is inaccurate and does not reflect my payment history with The XXXX XXXX. I kindly request your assistance in rectifying this matter. 

To provide you with the necessary information, please find below the details of my account : Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XX/XX/XXXX Credit Limit : {$500.00} Highest Balance : {$340.00} Payment history guide : 30 days past due as of XX/XX/XXXX I would like to bring to your attention the consumer protection law, specifically 15 U.S. Code 1666b, which states that a creditor may not treat a payment on a credit card account as late unless they have adopted reasonable procedures to ensure that each periodic statement, including the required information, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

Based on this law, it is incumbent upon creditors to follow reasonable procedures for the timely delivery of statements, ensuring that consumers have ample time to make payments without incurring late fees or negative reporting. In my case, I have never received any late payment notices or reminders, and I have a history of making payments on time. 

Therefore, I dispute the accuracy of the 30-day late payment notation in my credit report. I kindly request that you investigate this matter and rectify the reporting of this late payment to accurately reflect my payment history. The accurate status of my account should reflect that it was paid on time and in full. 

If you require any additional documentation or information to process this dispute, please inform me promptly, and I will provide it to you as soon as possible. I understand the importance of providing all necessary evidence to support my claim.
Product: Student loan

My servicer, Navient, removed me from my income driven plan without notifying me. They then placed late payment fees on my account and reported me to credit reporting agencies. I have given them information to place me back on income driven repayment plans and filed for deferments, which Navient has ignored. They refuse to help or respond to my requests.
Product: Credit reporting or other personal consumer reports

I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards XXXX, Equifax, and XXXX for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me and I seek resolution.
Product: Credit reporting

I paid {$1.00} for my credit score and was required to agree to the 7 day trial period for credit monitoring of which I could cancel at anytime. I attempted to cancel within the hour but was redirected to sign into an online account which I never set up leaving me the only option of calling them to cancel. It was a weekend and their office was closed so I called the next following business day. I was told my membership was cancelled and I thought that was the end. 3 months later I noticed a charge from transunion on my credit card statement and followed up to see I had been charged 4 times for a service which I was told had been cancelled. I called transunion to rectify the situation. I spoke with no less than XXXX different people with strong XXXX accents and had to keep asking them to repeat what they said and/or speak more slowly. After a 20 minute phone call, most of which was spent on hold, I was once again told that my " inactive '' membership had been cancelled, I would not be billed again, and they would credit my payments back to me and that it could take up to XXXX billing cycles. I 'm not sure I have any reason to believe they will do any of those things since the initial cancelling of the service was mired in hidden webpages/accounts and my first phone call to them resulted in nothing more than wasted time.
Product: Debt collection

Portfolio Recovery Associates , LLC continues to call me. I told them not to call and they simply call again with a different phone number. They make multiple excuses for their inability to stop calling me despite my repeated requests for them to stop calling me. Today when I asked them to stop calling me the woman speaking told me ahe " does not know what button to press to stop the calls so she will simply put me on the wrong number list. '' I used to have another phone number and they would call me at that phone number too even though I would tell them to stop. I have diagnosed post traumatic stress disorder and receiving constant unrelenting harassing calls from Portfolio Recovery Associates is causing harm to my mental health. I am also a military veteran facing chronic homelessness and unemployment and receiving these calls from Portfolio Recovery Associates while I am in the middle of a full-blown XXXX XXXX XXXX XXXX only makes things worse. Portfolio recovery will call me when I am unemployed and in an active XXXX state and they will argue with me and refuse to hang up the phone and make demands of me and threaten me until I reach the point that I feel XXXX XXXX. I have discussed this with my XXXX and he advised me to make a formal complaint and block their calls but they keep calling back with different numbers and even when I change my phone number they find it and call me anyway.
Product: Credit reporting or other personal consumer reports

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX OFFICE OF THE ATTY GENER IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. U S DEPT OF ED/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. US DEPT ED - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act my rights have been violated. 

My XXXX  account has been updated but showes late payments. Attachment contains a letter from XXXX XXXX say that my account has been updated. 

XXXX5 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604A. Section 2 states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 168b A creditor may not treat a payment on a credit card account under an open endconsumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX  - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently made purchase online on this website. 

XXXX XXXX XXXXXXXX after the payment was made on zelle, I have realized this is a scam website and unable to get my money refunded through zelle. The amount of purchase was {$380.00} payment made through zelle on XX/XX/2022. 

Contacted zelle and they asked me to contact chase bank which i used zelle through. Both entity is claiming no responsibility and no recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted self financial on XX/XX/XXXX regarding the closed account XXXX reporting to the credit bureaus. The account was being reported as 60 days past due. I requested for them to remove all late payments and update the account as current. I received an email from them on XX/XX/XXXX approving my request. 

Well, self updated XXXX and XXXX as agreed but did not update equifax. Instead, a late payment for XX/XX/XXXX was added to my equifax report. This was impossible because because the account closed in XX/XX/XXXX. 

I sent them several emails requesting that equifax be updated as discussed and agreed, I got no response. I made a phone call and was told someone would call me back, no one did. 

On XX/XX/XXXX I received and email from self advising that another correspondence was being sent to the credit bureaus to updated my account accurately. Well, thats not what happened. 

The late payment were added back to my experian report and the late payment for XX/XX/XXXX was still showing on my equifax report. 

I called again and no one would help me. I sent another email and received no response
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several errors on my credit report with each of the three major credit bureaus, including Transunion. I have sent several certified letters over the past year and Transunion continues to ignore, disregard, and violate my rights. My latest dispute was sent on XXXX XXXX, 2022 and it was received by Transunion on XXXX XXXX, 2022. I attached the certified tracking receipt for reference ( XXXX ). Unfortunately, it has been several months and I have yet to receive a response. Their failure to respond has grossly exceeded the allotted thirty-day time limit, which is in direct violation of my rights. 

I am understandably very frustrated that this has happened and can not believe that the credit bureaus would let something like this go unresolved for so long. I have spent hours diligently reviewing my credit and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving the bureaus ample time to remedy the errors in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require good credit in order to qualify. 

I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that Transunion has not responded to my dispute within the required window of time. It is well within my right to request that the items in question be deleted and removed from my credit profile. With your help, I hope to see the items in question deleted in a timely manner. 

Thank you for your attention to this matter and I look forward to hearing from you soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Complaint XXXX XXXX XXXX XXXX XXXX {$5400.00}, XXXX XXXX XXXX : {$2100.00},, XXXX XXXX XXXX XXXX {$780.00},, XXXX XXXX  {$0.00}, XXXX and XXXX : {$170.00}, XXXX : {$15000.00}, 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a complaint with CFPB case number XXXX, to remove two Old closed XXXX XXXX accounts from All three 4 credit reporting agencies-XXXX, XXXX, XXXX, and XXXX.After CFPB investigation, One Synchrony car care was removed/deleted from all reports except the other Synchrony car care which shows on my XXXX, XXXX, XXXX.On XX/XX/XXXX, I called customer service at XXXX, XXXX, XXXX and they all stated that I need to call XXXX XXXX XXXX XXXX to resolve this issue.Ive tried calling XXXX XXXX regarding this issue and cant get anyone on the phone and left XXXX XXXX consumer relations a message a few times in the past week but she will not return my call as well.Once again, This Synchrony car care on my credit reports shows, Status is closed, Joint account, opened XX/XX/XXXX, closed XX/XX/XXXX, last payment on XX/XX/XXXX.It also shows under payment history that last payment was in XX/XX/XXXX.So the information is incorrect as well.Im requesting that this account is removed from ALL credit reporting agencies.Because this account has not been removed, It has caused my credit scores to go down.Recap, Previously I filed complaint cause two synchrony car care shows up on all 3 major credit bureaus as old accounts that should have been removed.After investigation only one synchrony car care was removed and the other remained.Im filing this complaint to get other removed from all credit reporting agencies
Product: Credit reporting or other personal consumer reports

Equifax I am writing to formally dispute the accuracy of certain information contained in my credit report, as permitted under Section XXXX of the Fair Credit Reporting Act ( FCRA ). I have recently reviewed my credit report and identified inaccuracies that I believe require correction. 

I previously disputed this account with Equifax and the investigation team didnt properly investigate. 

The inaccuracies in question are as follows : I contacted CFPB to file a debt verification regarding XXXX approximately XX/XX/year>. CFPB report number XXXX. I asked for documentation that the creditor was unable and failed to provide. I previously disputed this fraudulent account I also contacted CFPB to file a debt verification regarding XXXX approximately XX/XX/year>. CFPB report number XXXX. I asked for documentation that the creditor was unable and failed to provide. I requested the below documentation and information from XXXX and they failed to provide any. 

Under Section 609 of the FCRA, I am requesting that Equifax provide me with the following information : 1. Verification of the Debt : A detailed statement showing the amount of the debt, including any interest, fees, or charges applied.

2. Creditor Information : The name of the original creditor and any pertinent account numbers associated with the debt. 
XXXX. Proof of Assignment : Documentation proving that XXXX agency is authorized to collect this debt on behalf of the original creditor. 
XXXX. Account History : A complete account history that outlines all transactions related to this debt, including dates and amounts. 
XXXX. The License Information : A copy of the license used for the creditor to operate as a debt collector in my state. 
XXXX. Signed Documentation where I have given permission to XXXX to report this information to my file XXXX. Signed documentation where I have given Equifax permission to report this information to my file Please investigate this matter and correct or remove the inaccurate information from my credit report. I have enclosed copies of my credit report highlighting the disputed items, along with any supporting documentation that may assist in your investigation. 

In accordance with FCRA guidelines, I expect a response to my dispute within 30 days. If the disputed information can not be verified, I request that it be removed from my credit report. 

Ive enclosed proper documentation to confirm my identity. See attached Thank you for your prompt attention to this matter. I look forward to your response.