23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have tried to speak with USAA and was directed to the department that does Long Term Assistance. I went through the process and the financial information as well. I was put on hold for an extreme amount of time. After speaking with the agent I was told congratulations have good news. She informed me if I could ask my Aunt to loan me more money I could qualify for assistance. I know this is wrong because I do the same thing at another bank. I know this is against the Graham Leach Bliley act. This is UNFAIR AND DECEPTIVE. USAA has constantly done things to thwart my asking for assistance. I as even informed that my account would be re mediated and was informed I would be contacted by the Office of the President. I am appalled that a bank can operate like this. I am the consumer that is asking for help to pay back his obligation however the bank could care less. I have many emails and I am asking for this to be investigated this is illegal. I have asked for Cease and Desist and still get calls. I know under the FDCPA that they cant continually call me. I have tried many times and constantly transferred. LISTEN TO THE CALLS PEOPLE YOU WILL SEE THAT CUSTOMER ARE BEING LIED TO AND THIS IS UNFAIR. Graham Leach Bliley ACT prevents a creditor to be biased and unwilling to assist. It also is against UNFAIR and DECEPTIVE ACTS.
Product: Credit card

I took advantage of a one-time online offer of {$1.00} ( plus tax ) to get my XXXX score from XXXX I thought I was being charged {$1.00} for this one-time score. However, XXXX signed me up for a monthly membership and charged me {$23.00}. I read through their online page and I never saw anything that said I was signing up for a membership. They did not e-mail me a receipt so I do n't have proof about this. After the charge appeared on my credit card, I telephoned them but they said that they would cancel my membership but not reimburse me for the difference. Apparently, many other people have had the same complaint about them XXXX. 

Their advertising of the {$1.00} fee is deceptive with the fine print being placed in a small font at the bottom of the page ( I have been told ; I did not see it ). Their offer should say clearly ( not in fine print ) that this is a trial, that the person agreeing to it will be signed up for a monthly membership fee if they do n't cancel within 7 days, and that they should send a receipt for the agreement which lists the conditions. None of these conditions were true with XXXX. For a credit agency that supposedly investigates bad financial behavior and fraud, their behavior is anything but proper and open.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : ONLINE INFORMATION S Original creditor : XXXXXXXX XXXX XXXX XXXX - Acct # XXXX XXXX - Acct # XXXX XXXX  Original creditor : XXXX XXXX XXXX  - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I PULLED MY TRANSUNION CREDIT REPORT AND NOTICED THAT A XXXXXXXX XXXX WAS ADDED BACK ON MY REPORT AFTER BEING REMOVE FOR FRAUDULENT PURPOSES. 





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

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these XXXX a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.
Product: Payday loan, title loan, or personal loan

I am anxious to pay off this loan and have contacted them several times requesting payoff information. My requests have been ignored and no one has bothered to supply information to me. I dont want to keep paying interest on this loan for more days than today. I want to pay off and be done with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXas violated my rights. 

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 accounts without my written instructions.
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX XXXX XXXX XXXX XXXX. 

Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding their handling of my credit report and their failure to comply with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act of 2010 ( CFPA ). This letter outlines the issues I have faced, which I believe merit your attention. 

Since XX/XX/XXXX, I have disputed inaccurate information on my credit report a total of 36 times. Despite my repeated efforts to resolve these discrepancies, XXXX has consistently failed to reasonably reinvestigate my disputes. Specifically, I have encountered the following issues : 1. Failure to Forward Relevant Information : XXXX has not forwarded all relevant information regarding my disputes to the data furnishers. This omission has resulted in the continuation of inaccurate information on my credit report. 

2. Inadequate Notice of Dispute Outcomes : On numerous occasions, I have not received adequate or accurate notifications regarding the outcomes of my disputes. This lack of communication has left me in the dark about the status of my credit report and the inaccuracies affecting my credit score. 

3. Unreasonable Procedures : XXXX has not utilized reasonable procedures to ensure the accuracy and completeness of the information in my file. As a direct result of these failures, collection companies have updated and re-reported inaccuracies, further compounding the negative impact on my creditworthiness.

4. Failure to Properly Investigate Disputes : Under 15 U.S. Code 1681, XXXX is required to conduct a proper investigation of disputes. However, they have not fulfilled this obligation. Instead, they appear to be relying solely on the information provided by the creditor or collection company, without conducting a thorough review of my claims. 

5. Lack of Document Verification : Furthermore, XXXX has not pulled actual documents to verify the accuracy of the accounts in question, as mandated by 15 U.S. Code 1681. This lack of due diligence compromises the integrity of the credit reporting process and continues to affect my financial opportunities. 

The ongoing inaccuracies in my credit report have significantly hindered my ability to obtain credit, affecting my financial well-being and opportunities since XX/XX/XXXX. The persistent issues I have faced with XXXX violate the FCRA and the CFPA, as I believe they have acted negligently in their duty to maintain accurate consumer information. 

I kindly request that the Consumer Financial Protection Bureau look into this
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX closed an account and reported it as Account Abuse. During the time of the suspected account abuse I was hospitalized due to XXXX and provided the XXXX XXXX as well as Police Report. I was told by the banking center that this would not be reported and it was which negatively has impacted my ability to work as an XXXX XXXX.
Product: Debt collection

I don't recall having a contractual relationship with this collection company CREDENCE RESOURCE MANAGEMENT , LLC. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Credit reporting or other personal consumer reports

The Credit bureau 's stated Account Name & Account XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active, and date last reported is not accurate. This ground for removal. They also violated my right under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report as well.
Product: Vehicle loan or lease

On XX/XX/2022, I purchased a car from XXXX Infinti and their sales manager, XXXX XXXX communicated to me that my balance owed was {$33000.00}. I gave her a check for {$30000.00} and I placed the balance on my credit card and she provided me a receipt confirming that my balance was {$0.00}. 

On XX/XX/XXXX, XXXX XXXX leaves me a message stating that SHE made an accounting error and that as a result, I still owe {$950.00} and that she contacted the Motor Vehicle Administration to suspend my tags and she curtly wished me luck in the event I was pulled over by the police. I left work immediately to try and gain an understanding of HER accounting error and if it was HER error, why she chose to report me to the MVA instead of first apologizing and then finding a means to resolve the situation. 

While at the facility, I contacted my husband for support and he explained that he did not trust their tactics and wanted me to leave their establishment ASAP, so he agreed to pay the {$950.00} over the phone and advised them ( XXXX and Sales Manager XXXX XXXX ) that we would follow up with them for unfair and deceptive practices. 
My primary concern is the fact that this establishment immediately punished me for their error ( which still has not been confirmed yet ), never apologized, contacted the MVA with no notice to me, and wished me and my family good luck with the police. Furthermore, I shared this experience with a few of my co-workers and to my surprise, they had similar experiences and think that its an issue strictly with XXXX ( people of XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX Balance : {$780.00} ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a medical bill on my credit report through Transunion several times over the last few months. The medical bill was placed on my credit by XXXX XXXX XXXX. I made Transunion aware of the fact that I was a Medicaid recipient and therefore did not owe the bill because by law I can not be billed as a Medicaid recipient. 
They did absolutely nothing about it and stated that it was staying on my credit. I don't believe Transunion adequately investigated the matter. If they had done anything more than a cursory investigation, they would have realized that XXXX was illegally attempting to collect the debt. 
XXXX  account number : XXXX This is regarding the medical bill on my credit report for XXXX XXXX. The DOS for this bill was XX/XX/2014. I am including a copy of proof of medical coverage for the DOS.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Remitly XXXX XX/XX/XXXX, send by app to XXXX XXXX US {$100.00} I never arrive. 
On day XXXX  call to cancel that transaction. 
On the XXXX and XXXX call to inquire about the cancellation and the return of my money. They do not explain anything On XX/XX/XXXX, they take from my checking account the amount of USXXXX without authorization. 
They do not explain the why of that.
Product: Credit reporting or other personal consumer reports

I have a fraudulent credit inquiry by XXXX on my TransUnion Credit Report. 

I have my TransUnion ( and all XXXX  credit agencies locked. 

XXXX seems to have no way to contact them. There is no phone number other than a help @ XXXX  email on their website. I have sent them an email but have not heard from them. 

TransUnion 's contact center both online and phone number seem to not be functioning. Maybe they are dealing with the recent XXXX issue but this is UNACCEPTABLE!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a HELOC with PenFed ( www.penfed.org ). The balance of that HELOC is XXXX ( i.e., XXXX XXXX ) and it has been at that balance for several weeks. My prior history is perfect, with no late payments, and I had a personal credit score of 800+. 

Recently, I received an update on my credit report showing that my Penfed HELOC was 'delinquent. ' This affected my credit score severely, dropping it by over 60 points. 

I contacted the company about this error, notifying them of the 0.01 balance and lack of any delinquency. While they admitted the content of the error, they have thus far refused to reverse the delinquency filing. Furthermore, they have refused to address this issue in a reasonable amount of time and without unreasonable requests from my side.

Pursuant to the FCRA, providing inaccurate financial information to credit reporting agencies is illegal. Therefore, Penfed is now knowingly in violation of the FCRA and is not taking steps to correct that violation.

I have attempted multiple times to have Penfed reverse the erroneous delinquency filing and they have refused to do so on each occasion.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNATHARIZED INQUIRY TO MY CONSUMER REPORT DAMAND FOR XXXX SETTLEMENT I recently pulled my credit report and seen two unauthorized inquires on my report. The unauthorized inquires are in violation of the Fair Credit Reporting Act 15 USC 1681. 15 USC 1681b states A person shall not use or obtain a consumer report for any purpose unless 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ) I have never authorized any transactions with ONE MAIN FINANCIAL As well as I do not have an account as defined under 15 USC 16939 ( a ) with ONE MAIN FINANCIAL for reviewing of any sort. 
ONE MAIN FINANCIAL is liable to me in the amount of XXXX for actual damages. I am willing to settle the matter without liability if you comply to my terms. 1 ) Cease and Desist obtaining my private information from the credit reporting agencies without my written consent 2 ) Pay me XXXX and deliver it to the above or address within 10 days of receipt of this demand or 3 ) Increase my credit line in the amount of XXXX. 
Please be advised that I am prepared to litigate pursuant to 42 USC 1983 if you do not comply with this demand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexisnexis removed bankruptcy from my credit file for XX/XX/2015 bk XXXX Al. XXXX  is stating when they verify with lexisnexis it shows accurate. I need them to communicate and get resolved
Product: Credit reporting or other personal consumer reports

NOTICED A ACCOUNT THAT ISNT MINES OR CLOSED ACCOUNT THAT SHOULD NOT BE ON MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 4 months I have made several disputes with Trans Union regarding an fraudulent account being reported on my Trans Union Credit report. In my written and online request I asked that Transunion please investigate this item and show proof of validation or delete immediatley from my report. The account in question is XXXX XXXX XXXX for $ XXXX.Every dispute I have sent it their response has been that this account has been " verified '' as mine but shows no proof or documentation showing that it is mine. It is my impression on FRCA that the account in question must show a/an signed document showing that in fact open the account ( i.e signature etc. ) I have gotten anything from Transunion proving the account is mine. There is no possible way that this account belongs to me.PLEASE HELP
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$3400.00}
Product: Debt collection

I got my license for XXXX XXXX in XXXX of XXXX and was signed up with this company incorrectly. I logged into XXXX and paid a {$15.00} fee on XX/XX/XXXX. I had to sign up for training with XXXX to move to the XXXX XXXX XXXX side of things and should not have ever signed up for XXXX. As a XXXX XXXX XXXX XXXX you are not allowed to have access to XXXX so, I figured the account would close and all would be good. XXXX sent me to collections for {$200.00} for a system I do not use and can not use. I will not pay this amount to them because I should have never been signed up for the service. I will also not pay for a system I will never use. I have contacted them in regards to this and they have stated I need to pay them even if I never needed the service which is a violation of my rights. XXXX is voluntary and I am not volunteering for this.
Product: Student loan

Our daughter graduated from XXXX. We took out a parent plus loan all 4 years. When we add up our total with those Federal loans, it's correct. BUT, Navient began contacting us with a balance of {$28000.00} and offer ZERO information on what that is, why they have that balance, we have tried ( without success ) to get an explanation. It seems they have a portion of the SAME loans that Federal loans are already including. So our daughter is struggling to make a payment to her federal loans each month and also to Navient because no one seems to be able to explain why they have it or what it's for. She's basically put out over {$1000.00} to them but each phone call they have treated her with total disrespect as if we are supposed to hand over money she works hard for with no explanation. At the very least if it is legitimate, we would like to have them all with federal so that one payment can be focused on. Navient is a horrible company we don't want to be dealing with while we trudge through this debt. 

Thank you. 

XXXX XXXX