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

On XX/XX/2023, USAA sent a security alert to XXXX  XXXX XXXX saying funds I had transferred between those two account were fraudulently transferred so XXXX  XXXX XXXX held that money from my account {$5000.00} till now. On XX/XX/2023 I reached out to USAA and was told they cleared the security alert and no fraudulent transfer ... .however, USAA FAIED TO NOTIFY XXXX  XXXX XXXX and even after repeated attempts by XXXX. and myself USAA never responded. The funds were part of a personal loan I received from USAA AND HAVE BEEN PAYING 17.99 % INTEREST RATE and I spent days and weeks on the phone or sending correspondence since XX/XX/XXXX plus late fees on top of bills that I paid with those funds.
Product: Debt collection

I have submitted certified letters to each bureau and each creditor, and I have still not received documentation that backs up the claim. I am writing you as my final effort to rectify the issue. 
The issue is with all three bureaus as well as the following collection agencies : XXXX XXXX, XXXX, XXXX XXXX and XXXX. 

Here is a recap : I sent a validation letter to each of the following companies listed below. I requested that they validate the validity of the debt that they are currently reporting on my credit profile as negative. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
o XXXX XXXX dated, XX/XX/18 and mailed certified XX/XX/18. 
To positively prove that a debt is mine, the creditor must provide the original documentation that I filled out and signed. 
They didnt even respond, and it has been well over 30 days ; almost 4 months to be exact! 
Besides, how do I owe a company that I have NOT agreed to do business with.? 
I have not signed anything with either of the companies listed above! 
Neither of the companies, including the bureaus have done their due diligence in providing supporting documentation or anything with my signature since XXXX! I am also requesting that you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and Equifax, as the law requires!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these accounts, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$340.00} ; XXXX XXXX  XXXX Balance : {$670.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX : {$470.00} XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2600.00}
Product: Credit card or prepaid card

I OPENED A XXXX  ACCOUNT WITH CHASE AND RECEIVED THE CARD. I MADE THE PURCHASES ON IT TO GET THE MILES. I HAD XXXX MILES IN MY XXXX  ACCOUNT AND CHASE NEVER TRANSFERRED THE MILES INTO MY ACCOUNT THIS WAS WOULD HAVE ALSO EXTENDED THE EXPIRATION DATE. 

I ALSO CALLED IN TO XXXX TO DONATE THE MILES IN ORDER TO EXTEND THE EXPIRATION DATE. 

I CALLED CHASE THEY SAID THEY DO NOT EVEN HAVE THE CREDIT CARD ON FILE OR REPORTED TO THE CREDIT BUREAU.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already contacted the police department about this issue and obtained a police report # XXXX which is attached. Please remove this fraudulent inquiry and account off my credit report, and send me an updated copy of my credit report. The following items should not be reporting on my consumer reports and is a result of fraud that I did not authorize : 1. This account is not mine and was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The inquiry was not authorized XXXX XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been disputing a public record on my credit report for the last 3 years. This credit bureau keeps advising it was verified as accurate despite being provided supporting documentation that is it NOT and is refusing to remove it from my consumer file. 

Today I spoke with an employee who identified himself as XXXX XXXX advised that they are in receipt of the documents however they dont know the reason why the public record has been removed from XXXX XXXX therefore they are unable to remove it. 

The document provided by XXXX states thats it was unverifiable and therefore removed from their files. Moreover XXXX requested the credit bureau directly to remove the erroneous public record and it is still there. 

XXXX, the supervisor of the credit dispute team, told me that they do not have the ability to delete anything from a credit report nor they can provide me with the documentation that was allegedly provided to them verifying this information. Moreover, XXXX advised that the credit bureau contacts the creditor, in this case that would be the XXXX XXXX XXXX - XXXX XXXX Illinois to verify public records. The XXXX XXXX XXXX XXXX XXXX Illinois provided me with documentation to provide to Experian that is DOES NOT verify public records. 

This is an illegal practice and defeats the purpose of a credit dispute. If a consumers provides supporting documentation for any dispute and it still remains there should NOT be an option to dispute to begin with, if they are not going to honor any supporting documentation.
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 XXXX USC XXXX, Account XXXX  XXXX XXXX : XXXX  XXXX, has violated my rights. XXXX U.S.C. XXXX ( 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 or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX acct # XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) acct # XXXXXXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  acct # XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX acct # 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 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 XXXX years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a 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

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX XXXX. I am doing this on my own behalf and really need someone to help me with this. Also there are several times where someone ran my credit and I didnt give anyone permission to run my credit. If you all can help me with this as well I appreciate it XXXX  XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, US SM BUS ADMIN ODA.
Product: Debt collection

I requested validation upon receiving notice but the letter was lost in transit. Which I will attach proof of that. So I sent a new letter which they signed for and never responded. They continue to report the debt without validation which is illegal under 809 ( b ) of the FDCPA.
Product: Credit card

During my trips to XXXX and in XXXX this year, I was charged 3 percent foreign transaction fees for every purchases I made while abroad. 

Their associates never informed me of the foreign transactions fees when I opened the account at the Bank of America Branch in 2022. 

I have called their customer service department and credit card department many times but they did not provide any explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Prosper Bank stated they're aware of me filing XXXX XXXX. However, the bank is now charging additional fees while in active bankruptcy violating my federal laws creditor protection of automatic stay. namely section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation.Prosper is now adding additional fees while in active bankruptcy which is in violation of my federal rights. Prosper can not collect on a debt or charge any additional fees. This place of business needs proper training. I demand that Prosper removes any fee before or after bankruptcy immediately or I will file an injunction with the court. They're consistently violating my rights.

" Section 524 of Title 11 of the United States Code. This is otherwise known as a bankruptcy discharge violation. '' Here 's prosper response ; XXXX XXXX, Prosper apologizes for any confusion this may have caused. On XX/XX/2023, Prosper waived the {$40.00} late fee and accrued interest in the amount of {$36.00} that incurred after the date of the bankruptcy filing. Prosper appreciates the opportunity to respond and hopes this clarifies and resolves the issue. 
MONETARY RELIEF AMOUNT {$76.00} How can I accumulate late fees while in bankruptcy? Or any additional fees. 

Remove all charges immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lvnv funding has reporting a collection on my credit report for XXXX. The account appears to be from XXXX  XXXX XXXX  in which XXXX, XXXX  and XXXX  has already DELETED the account off my credit report Because XXXX XXXX is listed as the original creditor as they could not verify that this account belonged to me. They did not produce an original signed contract bearing my signature as stated in the FCRA. Unless LVNV funding has magically come up with new information that the ORIGINAL creditor was not able to produce I want them to removed this account from my credit report. I also want XXXX  to validate this account. How where they able to list a collection from LVNV funding but the Original creditor was not able to validate it. If the original creditor can not verify with the required documents then how can XXXX  or LVNV funding. More so I never signed a contract with LVNV funding for anything therefore, I do not ole them anything. If they would like to proceed in court where I will sue them for damages on my credit report, I am more than willing. BE mindful that according to the FTC, a ITEMIZED BILL is NOT VALIDATION. Furthermore according to XXXX XXXX XXXX  They no longer have control over this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian to fix this issue several times and they continue to ignore my request. These inaccurate reports are damaging my credit score that is extremely stressful, embarrassing, and this is causing financial harm to me and my family. Even if I have been disputing these accounts since XXXX and they do not care to continue to report the way they wanted it to not following my FCRA right. The items I have identified are : XXXX XXXX XXXX. First Reported date was changed from XX/XX/XXXX after dispute they reported XX/XX/XXXX how are they still changing, they never performed a full investigation. 
2. Credit limit not reported - missing incomplete 3. Terms, not reported- missing incomplete 4.  Inaccurate high balance- only balance listed is XXXX 5. Date scheduled to keep on record was changed.. they 1st said that the account SOL is on XX/XX/XXXX after dispute they changed it to XX/XX/XXXX. 
6. How can I verify the SOL of the account if only one information provided on the payment history. 
US DEPT ED- XXXX 1. The tax return was garnished to pay this debt. why is it not reflecting? Reporting inaccurately XXXX XXXX 1. Incomplete reporting. The payments from XXXX, XXXX, and XXXX of XXXX are missing. This is score manipulation because there were on-time payments being omitted. This omission of fact is a violation. 
2. The date of payment received is updated BUT there is an " ND '' listed in that field instead of figured. 
I am requesting that this item be deleted in order to adequately reflect my true credit history.
Product: Credit card

I am filing this complaint because my Victoria 's Secret store card was closed. When I called to inquire about the reason for the closure, the representative informed me that it was closed due to inactivity. I asked if she could reopen my account, to which she responded that she would not be able to do so without pulling my credit again. Therefore, according to CFR Part 1026.11 ( 2 ) ( B ) states : " Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance, or balance transfer ) and if the account has no outstanding balance. '' This implies that they should not have closed my account due to inactivity. Additionally, by informing me of the closure, they are still selling my security, which was generated when I filled out the application, as applications can be transferred to third parties. This process securitizes the application, allowing them to sell it on both primary and secondary markets. 
12 CFR Part 1002.2 Definitions 12 CFR Part 1002.2 ( A ) Account - means an extension of credit. When employed in relation to an account, the word use refers only to open-end credit. 12 CFR Part 1002.2 ( F ) Application - means an oral or written request for an extension of credit that is made in accordance with procedures used by a creditor for the type of credit requested. The term application does not include the use of an account or line of credit to obtain an amount of credit that is within a previously established credit limit. A completed application means an application in connection with which a creditor has received all the information that the creditor regularly obtains and considers in evaluating applications for the amount and type of credit requested ( including, but not limited to, credit reports, any additional information requested from the applicant, and any approvals or reports by governmental agencies or other persons that are necessary to guarantee, insure, or provide security for the credit or collateral ). The creditor shall exercise reasonable diligence in obtaining such information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Express ( XXXX Bank ) in regards to me having to temporary deploy late XXXX of XXXX. I submitted XXXX XXXX over showing that I was out of country. I asking due to XXXX Sailors Act could they honor the late payments due to me not having access to pay the interest that occurred on the account. I received a denial for that. 

On XXXX of XXXX I was diagnosed with XXXX. I submitted documents stating that due to being hospitalized I could not make payment. They still placed a late payment to my account and told me unfortunately they could not waive the late annotation on my credit report.
Product: Mortgage

My house is set to be auctioned off through foreclosure on XXXX XXXX. I am only a few payments behind, but my mortgage company Nationstar has played hardball with me and not allowed any options to fix this problem. I am only {$5000.00} behind on this loan ( about 4 payments ) and am back working again so I do n't see why they have to take this extreme measure and not even give me a chance to fix the problem. I bought this house in 2010 because I had a good job with steady income. I was a XXXX and had been gainfully employed for 23 years. I never dreamed I would find myself in this situation. My company shut down last summer and suddenly I was out of work. Unfortunately I was living paycheck to paycheck and did not have much saved up. I applied for unemployment and benefits, but received less than {$1000.00} and just could not get caught up on the mortgage. The good news is I am back working and can afford a fair and reasonable payment again. The problem is that Nationstar will accept nothing less than the full past due amount. I have been called by their agents who have threatened foreclosure, and I have told them that I want to be considered for assistance through the available programs. They tell me that they will send out paperwork to complete, but it is never sent. I have tried to get Nationstar to open a review but ca n't make ANY progress. This is beyond frustrating. I am less than {$5000.00} behind on this loan and I make enough money to figure out a fair solution. But the problem is that Nationstar has no interest in a fair solution, they just care about foreclosing on my house. I thought I deserved a review of my current finances and expenses in order to determine what options may be available. NONE OF THIS HAS HAPPENED and my house is supposed to be sold this week. I need help!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was opened without my consent. I want it removed immediately form my credit report. They are showing XXXX different reports to the credit bureaus. DISCOVER FIN SVCS XXXX Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XX/XX/XXXX Account Status Open Payment Status Paid Payment Status Details Current, was past due 30 days XXXX times Status Updated XX/XX/XXXX Balance {$430.00} Balance Updated - Credit Limit {$200.00} Past Due Amount - High Balance {$430.00} Monthly Payment {$20.00} Balloon Payment - Contact Phone BYMAILONLY Contact Address XXXX XXXX XXXX, XXXX, DE XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount - Comments -
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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. 

Account name : # In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX : # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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., Account name : XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX  has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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., Account name : # XXXX, Account name : # XXXX, Account name : # 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 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: Debt collection

XX/XX/2018 I have spoken with XXXX to inform, I receive XXXX/XXXX benefits. I am also a veteran. XXXX informed me she would take of the account. I have not heard from XXXX to confirm account is taken care of.
Product: Credit reporting or other personal consumer reports

XXXX XXXX - XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX I was never late on this account, please update this on my report XXXX XXXX XXXX This Information is Incorrect XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX This is not mine XXXX XXXX XXXXXXXX This Information is Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX