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

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I am a victim of a data breach, and these entries were made without my authorization. My rights under the Fair Credit Reporting Act ( FCRA ) provide protections to victims of identity theft in such cases. 
XXXX AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step-up and correct the status because I was never late on my XXXX.
Product: Checking or savings account

The complaint against Wells Fargo WF XXXX that was closed WF was meley mouthed and was unwilling to do its job protect me the consumer of course the payments went out by XXXX  However as i Have already pointed out the XXXX payments for the {$1400.00} were the result of an employment scam. I was trying to get a much needed srtay at home job. I worked two years for a major ca bank we were trained that we were to protect the customer against suspicious or unauthorized, The bank reimbursed the customer always no haggling or going back and forth like WF IS DOING Here.
Product: Credit card or prepaid card

My husband and I took a flight on XXXX XXXX and we were given a promotional brochure for a BarclaysXXXX XXXXXXXX XXXX credit card ( see attached ). The brochure clearly states that the introductory fee is {$0.00} for the first year and then {$99.00}. We opened an account in XXXX using the promo code on the back of the brochure. When we received our first month 's bill we were charged {$99.00}. I called ( XXXX ) to dispute this charge and spent several hours on the phone with them. They insisted that the card was not free even though I had the documentation to prove it. I spoke to several customer service reps and managers after the initial call ( 4 - 5 different reps from XXXX - XXXX ) and they claim that they could not waive the fee that they charged me. In XXXX, a XXXX opened up a case to investigate this. I sent them all of my documentation and still have not gotten the {$99.00} returned to me. This is clearly false advertising. We have researched this and it seems to be a common problem with other consumers. Barclays is not honoring their offer. This is false advertising and they should stop handing out these brochures on XXXX XXXX flights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Acct # XXXX XXXX  ( High balance {$0.00}, Count of late payments XXXX ) XXXX ( High balance {$4500.00}, Count of late payments XXXX ) XXXX XXXX XXXX Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send ) Transworld System Inc Acct # XXXX ( Requested that original documents with signature be sent several times. Company refuses to send )
Product: Credit reporting, credit repair services, or other personal consumer reports

After contacting the credit bureaus in the past. I had discussed with them that the information reported across the three credit bureaus do not match at all. I was very persistent about the issues for many years and until this point nothing has been corrected or solidified fir accuracy. Other investigations have been conducted based on all disputes but nothing has changed. The accounts would come back as verified within days! 

According to Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

This by the three credit bureaus have failed to conduct a thorough investigation and also have failed to do their role as a bureau for the consumer by law. All the bureaus did was contact the creditor directly to verify the account plus hard inquiries. They did not go beyond what was stated above. 

As of today XX/XX/, all three reports have yet to report 100 % accurate. Most importantly, per FRCA 15 USC 1681 everything on the consumers credit report must be investigated 100 % accurate. PLEASE SEE CREDIT REPORT FOR INACCURACIES. 

Accounts are as follows : XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so Tired of this XXXX from Equifax everytime I file a dispute on my credit report I can't either see the results or the website is down. How many XXXX times do consumers have to go through this XXXX with Equifax? And you XXXX CFPB government agency does nothing about it. You need to stop Equifax from getting away with this XXXX!! I filed a dispute a month ago on three items on my credit report. I got an email back saying Equifax investigation was done on XX/XX/XXXX and I could view my results online. So for the last four days I've been trying to view my results online and the website won't let me and keeps telling me that service is unavailable, WHAT? So I just called Equifax to fix the problem and I spoke to a customer service rep that's from out of the country and you can't understand a word she says so I gave her all my security information, answered security questions and all for her to tell me she's sorry she can't fix the problem and I has have send a request in writing, WHAT? XXXX XXXX Equifax this is XXXX!! Why can't I view my results online like you said I could according to the email? This is my credit report and you are violating my rights by keeping it from me after I filed a dispute. I am tired of your XXXX POOR CUSTOMER SERVICE PRACTICES!! I want the results of my dispute and I want them NOW you XXXX and I want to view them online like I'm supposed to be able too!! 

You XXXX CFPB needs to step up and put Equifax in check. This is XXXX what there doing to consumers!
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed report in ftc.gov XXXX i do not consent to authorize nor benefit the following inquirieries XXXX  XXXX, XXXX XXXX XXXX  XXXX XXXX Remove them ASAP
Product: Credit card

On XX/XX/year>, we transferred XXXX Capital One points to XXXX. This transfer went through immediately. Then, we transferred XXXX Capital One points to XXXX XXXX XXXX XXXX We never received a confirmation email from Capital one that it went through, so we called Capital One to confirm our transfer to XXXX and they said we just have to wait. On XX/XX/year>, our credit cards stopped working and we were no longer able to log in to the Capital One website. We called Capital One who said the account was locked due to fraudulent activity. We told them we were on the phone with Capital One on XX/XX/year> after our transfer, so they were aware that we made it ourselves. They sent us a link to upload the primary cardholder 's drivers license ( front and back ), and we completed that immediately. We have called numerous times since then to check on the status, and they keep telling us we need to wait up to 10 business days for them to review the license images. Until then, we are unable to use our main company card, or redeem any points. 
One helpful representative on the evening of XX/XX/year> told us the XXXX miles transfer is what triggered the fraud alert, then an investigation found that the primary accountholder was deceased, and that is why it is still locked. That obviously did not make sense and she told us to speak to the Estate Department when they opened the next day. It looked like Capital One erroneously marked the accountholder as deceased, and apparently were able to remove that notation but we can not be for certain. This is a major inconvenience that we can not use the company card and would like the ID to be reviewed as soon as possible so we can get our account unlocked for use. We also can not make any payments to this card when the statement is due. 
In addition, the hold up of the rewards transfer is jeopardizing a family trip, as 2 out of 3 family members already have a ticket but the third does not as we can not redeem the remaining miles. 
Lastly, the reason we chose this card is because of the generous sign up bonus. The second bonus is due XX/XX/year> after {$100000.00} in spending, which we are on track do complete, however, this interruption of card usage is not allowing us to meet the minimum that we would have been able to meet otherwise. We are requesting an extension of the bonus period because of this interruption, at least by the number of days the account remains locked.
Product: Debt collection

I requested several times the right for Portfolio Recovery association the right to collect debt in florida and they sent me the attached document however this is not something that I consented into addittionally they are illegally placing this as a collection on my credit report as they dont have a debt collection right in the state of florida XXXX i will attach that documentation also even though they know this and still have placed this on my credit report and ignored several attempts of communication with them through the mail.
Product: Credit reporting or other personal consumer reports

Hello I Recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute, i am in the process to buy a new car but this fraudulent account ruined my credit score. 
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX Opened : XX/XX/2023 Account status : Open Fraudulent Charges : XXXX $
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. ( I never gave XXXX permission to furnish any installment accounts on my consumer report. )
Product: Mortgage

On XX/XX/2020, We submitted a Mortgage Application with one of USAA Loan representatives. at that time we were told that we were not approved due to XXXX XXXX middle credit score was 2 points less than required. 
Because of the information in the credit history, it is very important to review the credit information that is being furnished to make sure it is accurate, that's exactly what we did and discovered that there was inaccurate information reported on all three credit files. ITEM WAS DEPUTED and removed. 
On XX/XX/2020, we requested and application report to check XXXX XXXX Score to assure a required status. At that time We were told that XXXX XXXX score was not Significant enough to fit the required score to qualify for a Mortgage Loan. 
XXXX did not ask to have a credit application re- pulled because a credit report is good for 90 days. I was told that my middle score was to low. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
On XX/XX/2020 XXXX XXXX middle score was XXXX. 
( unexplainable ) One again we were asked to contact at three Credit Agencies. 
We did that and discovered that XXXX had no record of USAA ever inquiring of a credit file. Unexplainable.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and request the immediate deletion and blocking of the following accounts from my credit report. This request is being made pursuant to XXXX5 USC 1681c-2 ( a ) and FCRA 605 ( b ), which provide for the removal of fraudulent or unauthorized information resulting from a data breach.

The following accounts have been compromised as a result of the data breach, and I respectfully request that they be blocked and deleted from my credit report : Accounts : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX o Date Opened : XX/XX/XXXXXXXX XXXX Balance : {$3600.00} XXXX. XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$9900.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX  Date Opened : XX/XX/XXXX o Balance : {$00.00} XXXX. Bankruptcy o Account Number : XXXXXXXX XXXX Date Opened : XX/XX/XXXXXXXX XXXX  Balance : {$00.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated this things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT XXXX  and I include it again. Kindly correct this account XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I contacted credit acceptance in XXXX, Michigan to let them know that I auto loan was on my credit report and wasn't mines. The account was opened XX/XX/XXXX and the last payment was made XX/XX/XXXX, but it is still showing on my transunion credit report as an open account. I disputed it with XXXX and XXXX, which they both deleted it from my credit report, but XXXX hasn't yet. I've contacted credit acceptance asking to speak with a supervisor to get this deleted and wasn't allowed to speak with a supervisor, I asked for the original file to be emailed or mailed to me, but was never sent the information. I need this account deleted from my credit report immediately.
Product: Credit card or prepaid card

I bought furniture items from XXXX furniture store in XXXX XXXX totaling an amount of {$5100.00}. The furniture store representative told me that there was a two-year promotion where I could set up monthly installments to pay off the whole amount. I did that. However, XXXX did not apply any of the monthly installments to that promotional amount which shows on my statement as {$3500.00}. Also, they fined me any additional {$2000.00} in XXXX XXXX for not paying the furniture amount in full. All this time, I was under the impression that the monthly amount was going towards the furniture. I have paid a total of {$8000.00} from XXXX XXXX - XXXX XXXX to XXXX XXXX. Their last statement says I owe them {$5100.00} after paying this amount. 

Please note the following : 1. Attached are my bank statements from XXXX XXXX which details the monthly payments that were made to XXXX every month. Please note that while going through my bank account, I found that although a monthly automatic payment was set, the monthly amount every month kept changing from my account. The automatic payment does not show here as one constant number which it should. I am not sure why the money paid to XXXX kept changing every month. I do not recall changing that amount every month. 
2. Receipt of the purchase of the Sofa and Mattress totaling {$5100.00} on XXXX/XXXX/XXXX 3. My bank statement from XXXX/XXXX/XXXX says it as an automatic payment but again that amount differs every month. I would not change the automatic monthly payment every month by a few dollars and cents. 
4. The automatic payment seems to have started in XXXX after buying the furniture when I had set the automatic payments at the time of purchase of the furniture in XXXX. 
5.During the time period from XXXX - XXXX XXXX did not call me even once to ask for payment or to let me know that the promo on the furniture was ending and that they were going to fine me {$2000.00} for not paying it in full. All this while I was under the impression that the furniture was being paid for through the monthly installments. 
6.If you look at the XXXX statements that I have attached ( they do not have prior to XXXX XXXX on the online account ), none of my monthly payments were going towards the furniture amount of {$3400.00} which they have put as a 24-month promo. 
7. The XXXX XXXX XXXX statement shows that the payment of {$98.00} was applied to the furniture amount after the fine of {$2000.00} was applied to it. I have no idea why. 
8. I called XXXX in XXXX XXXX after I realized that something was going wrong and the supervisor told me that if I paid them {$3000.00}, then they would bring my account balance to zero as they had done something wrong. They lied and my statement balance in XXXX XXXX was {$4400.00} 9.I have paid XXXX a total of {$7700.00} from XXXX XXXX - XXXX XXXX. 
10. XXXX latest statement shows that I owe them {$5000.00}. 

The interest on that balance keeps increasing every month although this charge is in dispute. Kindly help in this matter. Do let me know in case any other information is needed.
Product: Credit reporting or other personal consumer reports

Too many inconsistencies in this payment information, this payment information is reported illegally, and in accurate I made a payment, and and settlement in XX/XX/XXXX they still have it that I didnt pay and I have it marked in yellow I requested a 1099C form for them and they told me they would not give me one until I paid more. This is over seven years old and this is reported wrong they keep reporting and theyre telling me Im past due this is the charge off thats illegal. Theres no way this company shouldve reported on XX/XX/XXXX. This is illegal. They dont have my payment of XX/XX/XXXX current on this payment form but they have everything else marked. This is totally wrong and anaccurate.
Product: Checking or savings account

I attempted to open a bank account online with Key bank in XXXX and was not able to make the minimum deposit of {XXXX to open the account. The system advised that the account would not be opened and active until that {XXXX} was deposited into the account. 

I finally was able to make the XXXX deposit with a check deposit of {XXXX} on XX/XX/XXXX and then had my first direct deposit from my work of {XXXX} XX/XX/XXXX. Since I made the {XXXX} direct deposit that qualified me for the XXXX sign up bonus from the bank. When I questioned Key Bank when the bonus was they stated that I do not qualify because the account was opened in XXXX. I then advised them that the account could not have been opened because I never made the minimum XXXX} deposit to open the account until XX/XX/XXXX. I then had the issue escalated and was told that it would be looked into and I would get a call back. I never got back in touch with the supervisor and even called and left her messages with bank agents and still didnt hear anything. I reached out to them again yesterday and they explain the situation to the banker and she transferred me to her supervisor and the supervisor said that the bank account was opened in XXXX even though there was no minimum {XXXX deposit to open the account like it states all over their website. So I let them know I would be filing a complaint against them. So here we are
Product: Bank account or service

I was delinquent on my credit card acct & entered negotiations XX/XX/XXXX with usaa credit card settlement dept to attempt to settle for less than balance due. on my first conversation i made an offer & usaa countered my offer. on the second contact with usaa a customer service rep named XXXX stopped negotiations when I countered usaa 's first offer with the same amt/percentage as my initial offer. XXXX stated that I could n't counter with the same amt/percentage. I was never told I could n't submit duplicate counters PRIOR to entering negotiations. after negotiations I filed a cfpb complaint ( case number XXXX ). I got a call the next day from XXXX of usaa & talked with him about the issue. the only thing that came of the conversation was that I got was his direct extension & he asked me to call him directly if any other problems should arise. Fast forward to XX/XX/XXXX, I re-entered negotiations with usaa to settle the same credit card debt for less than balance due & during the course of negotiations on 4 separate occasions usaa customer service reps took my identical offers and countered them contrary to what XXXX had stated XX/XX/XXXX. i finally reached a settlement agreement with usaa XX/XX/XXXX & am currently executing that agreement. I have XXXX issues, first issue that concerns me is 1 usaa rep XXXX may be operating contrary to usaa 's operating procedures versus the XXXX other usaa reps that are operating contrary to XXXX by accepting my same negotiation offer amount/percentage. the second issue is that since XXXX I 've been calling XXXX of usaa directly at ext XXXX a minimum of once weekly & leaving messages on his voicemail requesting a call back directly. to this date XXXX XXXX has n't returned any of my calls. despite my repeated attempts of calling usaa & requesting usaa reps email XXXX directly requesting he call me, I 've not gotten a call from XXXX. I believe my third issue to be the most important, I believe as a direct result of usaa rep XXXX actions of wrongfully ending negotiations XX/XX/XXXX, I 've incurred {$700.00} in additional mo pymts, interest & late fees to date that I SHOULD NOT have incurred. I want this issue resolved immediately by either XXXX or a usaa rep with equivalent or higher authority as XXXX XXXX contacting me directly & agreeing to adjust the final XXXX amount to no less than a minimum of a {$700.00} reduction.
Product: Student loan

I have a consolidated FFEL Loan through XXXX XXXX XXXX, XXXX, doing business as ACS Education Services ( " ACS '' ). ( Lender - XXXX XXXX XXXX ). The original loan in XXXX XXXX was for {$23000.00}. I have defaulted 3 times and enrolled in their " Rehabilitation Program '' every time to bring my loan back into good standing. I have never went into forbearance but it is listed that I did in XXXX/XXXX/XXXX. It is now XXXX and my current outstanding loan is listed at {$35000.00}. I understand that XXXX XXXX XXXX is under Federal Investigation for Loan Servicing Practices and it appears that I may be one the borrowers that have been affected. I wish I could afford an Attorney, but at this time is not feasible. Looking for any help and guidance possible. Thanks!