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

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX//2024 XXXX XXXX  XX/XX/2024 XXXXXXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX/XXXX/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/2024 AXXXX XXXX XX/XX/2024 XXXX XXXX XXXXXXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

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

XXXX # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1600.00} XXXX  # XXXX DATE OPENED XX/XX/XXXX - BALANCE {$1800.00} XXXX XXXX XXXX # XXXX DATE OPENED XXXX BALANCE {$6000.00} XXXX  XXXX # XXXX DATE OPENED XXXX BALANCE {$410.00}
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 Experian, XXXX, and XXXX to re-investigate these accounts : Account name : 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 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: Debt collection

We have been receiving repeated robocalls from XXXX XXXX XXXX, starting at XXXX XXXX daily. Sometimes we get calls two or three times in a day. I did an online search of the company and found that it is a debt collection agency that uses illegal tactics. Further, WE DO NOT HAVE ANY OUTSTANDING DEBTS, UNPAID TICKETS OR OWE ANY OTHER MONEY, so this horrible company is calling our number in error. Other victims have tried calling the company, only to be placed on permahold or face verbal abuse. This company needs to be stopped. We have had this phone number for years, so if the calls are targeting someone who used to have the number, then XXXX XXXX XXXX records are way out of date.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.
Product: Credit reporting or other personal consumer reports

I have fraud protection with XXXX. Received an alert about a suspicious account and was directed to call Barclays about the account wrongfully being in my name. XXXX did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call Barclays myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. Barclays sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from XXXX that the same Barclays account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. Barclays was not helpful at all. I am doing everything to communicate this is fraud. Barclays have no proof the account belongs to me.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence.

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

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 XXXXXXXX Balance : {$3800.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM *****
Product: Bank account or service

Checking account at Chase Bank was restricted because, after having the account open for 20+ years, I would not give them additional personal information. I was unable to use my debit card, withdraw money from ATMs or have checks paid against this account.
Product: Credit card or prepaid card

USAA believe they can do whatever they want. I'm fully aware that USAA has been knowingly and willingly violating my rights, their own policy and federal law with their unfair, deceptive, abusive practices or services. USAA have been in the news over the pass recent years of paying out big financial fines from OCC, CFPB, FinCEN ... its a pattern of racketeering activities of closing deposit accounts, credit card accounts without seeking customers ' required authorization or providing timely notices. 

while speaking to multiple people and informing them of the multiple adverse actions and violations USAA continue to conduct. in the different departments because of the lack of being able to answer simple policy questions, concerns and more they didn't know their own deposit agreements and/or credit card holder agreement. this adverse action is something that violates my customer rights and federal consumer protection laws. 

the credit card account limit ( {$8000.00} ) was decrease in the month XXXX of XXXX to ( {$2600.00} ) in the month XX/XX/XXXX, after making a {$7000.00} payment which didn't violate any policy or agreement. that adverse action in changing the original terms cause my credit score to drop drastically. 

on XX/XX/XXXX USAA closed my credit card account which is another adverse action according to 15 USC 1691 ( d ) ( 6 ). I received a phone call from USAA attempting to collect an alleged debt stating that the account is past due and the account was close on Wednesday, XX/XX/XXXX. I stated that I sent over a ( via ) fax, through the electronic portal a revocation of debit ( especially ACH debits ) attached to any account associated with my name with USAA, but they ( USAA ) continue to debit my accounts that only for electronic payments ( by definition according to 12 CFR 229.2 ( p ) means a wire transfer or an ACH credit transfer ). what I noticed is that USAA will conduct the " electronic payment '' that can not be returned once the payment is ( actually and finally collected ) makes it final and " irrevocable '' which I will upload the evidence of the completed payments from their portal access. by their unfair, deceptive and abusive practices they will run that same amount on the same day as ACH debit payment ( which can be returned for multiple reasons ) ... which the accounts I used to tender those electronic payments were deposit only account to process " electronic payments '' and not any form of debit payments. hence why I revoked authorization to stop debiting my accounts for that second payment each time. I submitted a stop payment order according to 15 USC 1693c and over the phone they said it will be honored but never was. I made multiple payments since then and USAA continue to process the electronic payment and ACH debit payment which is two complete different payments and causing my credit card account to not be available to use for personal and household use. 

I spoke with multiple representatives while they kept passing the buck and even escalated to the executive office where I spoke with someone else. nothing was resolved.
Product: Debt collection

I was admitted to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX FL on XX/XX/XXXX, Ref # XXXX with XXXX XXXX XXXX. I was there for about 6 hours and care that was provided is unacceptable, as well as treatment. I was prescribed 5 different medications, but wasn't explained what are they for and how it should resolve my XXXX. I followed instructions as prescribed and my condition didn't improve at all, I was worse. 
I called XXXX on XX/XX/XXXX for additional instructions, my XXXX XXXX XXXX  had increased and I was told to come back to XXXX. Due to my increase XXXX XXXX XXXX, I was not comfortable going back to XXXX because of their concern about money and not my care as a patient. 
I contacted my primary care physician on XX/XX/XXXX who was out of town, the on-call physician was out-of-network. Desperate for pain relief and concerned about my dangerously XXXX XXXX and I was placed under the care of the only physician available. 
I received a bill from XXXX 4-5 months later with outrages charges - one of them was XXXX XXXX for {$7600.00}. Not only did I receive astronomical charges, but I was forced to seek additional urgent medical attention. I feel these medical practices were unfair and deceptive.
Product: Payday loan, title loan, personal loan, or advance loan

MEMORANDUM FOR RECORD. Settled Charge off Account without an issuance of a 1099c on the accounts listed below.

This isa follow-up to the letter I received about the charge off account number that I never received a 1099c Account The account was settled and XXXX was written off. This account was changed from a receivable to a loss in Eagle Loan accounting books. Eagle , Inc had to report this loss to the IRS to receive a tax credit. 

The definition of a charge off is : The Creditor ( Eagle Loan ) changes the account from a receivable account to a lost in XXXX XXXX accounting books. This loss has to be reported to the IRS in Eagle Loan Corporate Tax return to receive a tax credit for the loss. 

The IRS Definition of an 1099c is used to declare amounts of {$600.00} or more that is forgiven or canceled by a lender or creditor, including the abandonment of secured property or a foreclosure. 

There is a reference guide used that describe the detail of the 1099c A. ( Bankruptcy ) B. Other Judicial Debt relief } C. ( Statute of limitation or expiration of deficiency ) D. ( Foreclosure Election ) E. ( Debt Relief from probate or similar Proceeding ) F. ( By Agreement ) G. ( Decision or policy to discontinue collection ) This triggered an issuing of a 1099c to the I RS and to the Debtor I have not received a 1099c to apply to my income tax as income, as income as well should not be on a credit report and your organization is reporting that to the credit bureaus which is a violation of the FCRA. Furthermore. I also verified with the IRS if I have any 1099c that was issued to XXXX XXXX and the IRS said I have no 1099c that has been reported to the IRS. I have not received any 1099c from Eagle Loan which brings into question why I have not received a 1099c on this charge-off account?
Product: Credit card or prepaid card

Us direct Express card My us direct Express card been lock out over 10 days I Been calling daily Monday thru Friday even sat website said there open 7 days a week 24 hrs a day XXXX daily no answering there phones daily can not talk to customers services about this long loud music daily no response period I went to XXXX XXXX  to withdrawal funds my receipt said no funds available been checking online been lock out no customers services at all I can't even get my meds I need daily because of my health issues this is fair deal for anybody on social security or any benefits thru them having our money card lock up not fair either it's our XXXX money card shouldn't never been lock out I'm on XXXX monthly Please help me and let 's get my usdirect exspress card working asap
Product: Debt collection

I had a XXXX account that went to collections approximately 4 years ago which was included in a Chapter XXXX Bankruptcy that was subsequently discharged. I had my credit run the other day and noticed the prior collection agency " Sold '' my account to " Convergent Outsourcing ''. This company reported the discharged debt as a " NEW COLLECTION ''. I was NEVER notified regarding the debt either. I happen to have my credit checked and discovered this disturbing reporting. I know that it is illegal for a Collection agency to report to credit bureaus as a " NEW '' debt. I also checked the report at the recent inquiries and their information was NOT there either! 
I am requesting this be completely removed from ALL XXXX of the credit bureaus. This is a violation of my rights and violates the FCRA as well, not to mention this has affected my personal credit in a negative way.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 


Account Name : 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 card

I received an email ( attached ) for a pre-approval. 

The initial rep did not seem to understand me. Unfortunately, I have no other way to contact you in written form ( no access on website, or the app to contact customer service in an ADA accommodative way with the only option being phone support ). I am not sure where the divide in communication was, but I tried to convey that I unfroze my credit reports, proceeded with the pre-approval, and was declined twice due to credit freeze. After attempting to convey this XXXX times, I requested the call be escalated to a supervisor. I have attached confirmation ( s ) that both the credit files were unfrozen and at least one was checked from your own affiliate company XXXX 

I spoke with XXXX, an Account Manager who indicated that he would resubmit the application but I would need to have the credit reports pulled again, effectively leading to another hard inquiry. I explained that I would not have a problem with that if when it is pulled again, you submit to the credit bureaus to suppress the initial inquires from earlier. That apparently was not an option. Simply put, I request removal of the first inquiries because if in fact you did not pull the credit report, it would effectively be inaccurate information. I am not sure as to why this was a complicated concept to understand. Nevertheless, I agreed for him to submit the application to a specialist. Less than one minute later, I received another email denial for the third time stating the same reason. 

In an effort to try this process again, I unfroze the credit reports ( again ) and tried to retry the reservation link originally emailed to me, as advised earlier, and received a link expiration error. 

Additionally, I am also having a problem with my current account with you ending in XXXX. I have attempted to get it resolved to no avail. I have paid the statement balance, more than in fact, every month and have still been accessed interest charges on the balance which I am hoping can be refunded. 

Sent this in an email twice ( attached ) to the CEO, as it is the only email available for assistance, and have yet too receive a response.
Product: Debt collection

Received notification of a debt due of {$230.00} on my credit report from Hunter Warfield Inc.

I have never heard of this company and I have never been notified/contacted by this company or any other company they are working on behalf of by any means saying that I owed someone a debt. This has caused my credit score to drop and I would like this removed immediately from credit report.
Product: Debt collection

Represented themselves as lawyers to me on the phone. Continued to call after being asked to stop communicating by phone with me.
Product: Checking or savings account

I was notified on Friday,, XX/XX/XXXX that there were possible fraud charges on my account. When I looked, fraudulent activity, totaling {$450.00} in varied amounts had been taken from my account and I was notified when the perpetrator tried to process a 5th transaction for another {$50.00}. I called the bank. I was on hold for an hour and 20 minutes and when I called another number on the other phone line, i was told that the reason i was on hold on the initial transfer was because I was transferred to a call center that was already closed. The person i finally spoke to ( still Friday night ) said he can't cancel the transactions because they were through XXXX XXXX directly to a Visa. But he could process a claim and in the mean time provide provisional credit totaling {$450.00} and I should see the credit within 12 hours. It's now Monday, XX/XX/XXXX and I called this morning to find out about the credit. I was on the phone for an hour and 10 minutes. I was told that they can't cancel the transaction ( which is still pending ) but in order to receive the provisional credit, i have to wait for it to clear which can take 3-5 business days. So they won't/are n't able to cancel it ( by their own admission ) but they can allow it to clear ( also by their own admission ). I rarely have an fraudulent activity on my account and 5 business days ( which typically lead to the 6th business day ... meaning over a week from now ) is a long time to go without with which to pay my bills. I don't make a lot so {$450.00} is a lot for my household. In fact, my husband is on furlough because of COVID so {$450.00} matters in my house.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian- I have already complaint to Experian. 
I disagree with investigation that Experian does on credit investigations. It seem very poor everytime throughout my experiences. 

My close account XXXX XXXX account with XXXX XXXX. This was a XXXX closed end lease on a XXXX XXXX that I open back On XX/XX/XXXX. XXXX and terminated in XXXX, XXXX. 

I made several payments ahead before nearing the end of my auto-lease. I was current in XX/XX/XXXX, Current XX/XX/XXXX and current in XX/XX/XXXX, and returned the vehicle to the nearest dealership, which was XXXX Texas, XXXX dealership which is 8 miles from my house. The original dealership was 35 miles in XXXX Texas where I leased and picked up the vehicle. The Rep on the phone, explained to me to return to the nearest dealership and that is what I did. 

I was not late on my payments in XXXX, XXXX or XXXX. I never had possession of the vehicle past XXXX XXXX, yet I got mark with LATE paymentS which are fraudulent and incorrect. 

I am requesting those on my credit report also be removed from the XXXX XXXX thru XXXX and XXXX. 

Experian is still showing my auto lease as still Open, when it should be closed. 

I subimitting proof of my double payments records that was kept towards the last 3 months from XXXX XXXX, history Website. I paid ahead to close the lease early in XXXX, and returned the vehicle XXXX XXXX, XXXX
Product: Vehicle loan or lease

I requested a loan from Open Road Finance. 
On there web site it states easy, fast motorcycle loans. I was pre-approved through their website. 
When I called the company to accept the loan I was told they only finance XXXX XXXX through their approved XXXX dealer and they could direct me to a dealerships they work with. 
The advertising is misleading. It seems like a scam to me, they must be getting kick backs from dealerships for directing people to their dealerships. Very deceptive advertising. 
Their web site should state they only finance XXXXXX/XX/XXXX at dealerships they approve of. 

https : //www.openroadfinance.com/
Product: Debt collection

Company repeatedly calls regarding an unknown debt. Refuses to provide any basic information without me providing my personal information. Resorts to pushy tactics to try and get me to provide personal information. When attempting to provide mailing address for communications, company indicated it would not speak to me without me providing my personal information ( birthday, etc ). They indicated I should have received a letter but no such letter was received. Company is trying to collect a debt I do not know about and do not have. 

The phone number calling is XXXX and listed as XXXX XXXX.