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

On XXXX XXXX, 2023, XXXX was taken from my USAA XXXX Checking account and placed into a CD to fund the credit limit for a secured credit card. USAA took a week to order a card and the card was finally received regular mail and not expedited on XX/XX/2023. Since receiving the card it was activated yet I have no usage of my available credit limit which is my money taken from my checking account due to usaa declining and blocking every transaction for no reason per USAA. USAA has not offered any real time resolution for me to have access to my cash. I had to be embarrassed in XXXX and XXXX when my card declined with available credit but USAA offered no assistance other than allegedly not knowing why the card is declining when there is available credit. I have been lied to repeatedly and it is beyond not acceptable having my money taken and not having access to it.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Mortgage

This issue was reported with cfpb on Case number : XXXX and it was resolved with XXXX ( it was deleted from my credit report ). However, XXXX is reporting the XXXX mortgage with XXXX XXXX and Rushmore Loan Management Service. This mortgage is related to only XXXX property that was voluntarily surrendered and it is related to my first mortgage ( with XXXX XXXX ) that was already deleted from my reports. 

I am disputing the RUSHMORE LOAN MGMT SERVICES credit item because : My property, located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, was Surrendered/Foreclosed with XXXX XXXX. Account is reported in my XXXX Credit Report as : FORECLOSED WITH XXXX XXXX XXXX Account Number : XXXX .... Date Opened : XX/XX/XXXX Status : Foreclosed ; and also in XXXX XXXX Account XXXX as closed. 

Experian Account XXXX belongs to XXXX XXXX XXXX ( which went bankrupt ) and it is a second mortgage that I had with XXXX XXXX XXXX ( XXXX Mortgage was Account Number : XXXX ) My XXXX mortgages ( XXXX for the same apartment located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX were account # XXXX & account # XXXX. XXXX XXXX filed for bankruptcy and my mortgages are closed. The following accounts are related to the same property located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( collateral for XXXX mortgages as established in my Agreement with XXXX XXXX ) : XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently deleted from my report. 

XXXX XXXX Account # XXXX ( XXXX mortgage ) is currently FORECLOSED/SURRENDERED, but is being reported TWICE in my credit report with RUSHMORE LOAN MGMT SERVICES Account Number : XXXX Status : Open. {$9500.00} past due as of XX/XX/XXXX and XXXX Bank as closed. 

Please correct my credit report since these duplicates/incorrect information is affecting my score. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX  to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. This suspicious item is not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this item from my report : DPT EDXXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX  XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Need the unverifiable information reinvestigated
Product: Student loan

Under the pslf program, student loans that were eligible for this waiver could receive a refund. I enrolled in this program in XXXX, and have not heard anything from Mohela. I have tried contacting them several times and I recently was told that when Biden 's cancellation plan goes into effect, eligible student loans will be automatically enrolled and no longer eligible for the pslf waiver and refund for qualified payments. This is unethical because it looks like this company is just sitting on these applications waiting for automatic enrollment into Biden 's cancellation program so that they do not have to refund monies to qualified student loan payments. I am a single mother currently pursuing a XXXX XXXX, and the money for qualified payments being refunded back to me would really make a difference in my program. I have been in public service for 20 years, and my loans should have been forgiven years ago. It's unethical that this program exists, but in order to qualify for it you have to turn down the option to have your loans canceled and potentially risk not even being qualified for the program. It feels like a huge scam.
Product: Credit reporting or other personal consumer reports

Someone impersonating me opened 5 federal student loan accounts using my stolen SSN, full name and a previous address that I haven't used in over 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been harassed via phone calls by debt collectors like XXXX XXXX saying i owe {$1400.00} & XXXX, a {$10000.00} credit card from U.S Bank, {$680.00} from XXXX XXXX and an auto loan from XXXX  that i'm not aware of. I have asked these companies to stop calling me and to remove these items off my report after disputing them in XXXX. I have been denied credit and can't move on in my career with these items being reported on my name
Product: Credit card

I am writing to you regarding a transaction I have attempted to resolve through our financial institution my bank America On XXXX, XXXX, 2022, I made a purchase of a XXXX membership for the amount of {$28000.00}, of which we paid with my spouse with our credit cards an amount of {$11000.00} and another amount of {$13000.00} to the company XXXX XXXX XXXX XXXX . However, unfortunately, we have not received the benefits and services corresponding to such membership as of today. I have attempted to contact XXXX XXXX XXXX XXXX on multiple occasions to resolve this matter and request a refund, but unfortunately, I have not received any response from them. 

Given the lack of response from the supplier company, I turned to our bank ( bank off America ) for help to resolve this problem. I have submitted several claims and requests for reimbursement of {$11000.00} and my husband 's {$13000.00}, however, so far I have not received a satisfactory response from our bank.

I understand that bank policies and procedures may be rigorous, but I strongly request that you consider my situation and support me in this process. I am willing to provide any additional documentation necessary to support my claim and am open to any verification process the bank requires to resolve this situation fairly and equitably.

I appreciate your attention to this matter and kindly request that you review my case in the hope that we can reach a satisfactory resolution as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is used to determine line of credit and their credit score model does not update. Since covid 19 there has been no updates to any ones score especially mines. This is a violation of our rights as consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST I SPOKE WITH XXXX ACTUAL DISAPPOINTED IN THIER PROCESS TO UPDATE INCCORRECT INFORMATION ON MY PROFILE SPOKE TO LADY IN FRAUD SHE CLAIM I DID NOT SEND RIGHT FORMS WHICH IS NOT TRUE BECAUSE THEY WHERE IN FACT THE RIGHT FORM TO ADDRESS THE THINGS REPORTING INCCORRECTLY ON MY REPORT.EXPERIAN SEEMS TO NOT BE FIMILAR WITH LAW IN REGARDS OF PROTECTING COSUMER RIGHTS ( XXXX ) I -- -INSTEAD OF TAKING TIME TO RUIN MY REPUTATION 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER XXXX5 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ). 

EQUIFAX STILL PROVIDING GENERIC INFORMATION IN REGAURDS TO INCORRECT INQUIRIES ON MY PROFILE... THE INQUIRES ONLY REPORT ON THERE REPORT ADVISE MY FORMS WAS APPROVE BUT NO FORMAL MOVEMENT IN REMOVING ITEMS THAT I ADVISE WERE INCORRECT ON MY FILE. EQUIFAX ALSO SEEMS TO LACK FCRA KNOWLEGDE AND RIGHT THAT PROTECT CONSUMER FROM BOGUS REPORTING AND INVESTIGATION PROCESS IN BAD INFORMATION ON CONSUMER REPORT ( XXXX ) I 15 USC 1681 ACCURACY AND FAIRNESS REPORTING ACT A ( XXXX ) AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIAGTING AND EVAULATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMER 15 US code 1681b-permissible purpose of consumer reports- under this law you never gave a written consent to report anything on your consumer report. No consent is identity theft 15 usc 1681a ( XXXX ) ( i ) exclusion consumer ( individual ) person ( company ) transaction ( payment history ) experiences ( utilization ).
Product: Credit card

I received a credit store card something went wrong and issued me a card. I didn't want a store credit card for Amazon. I don't even have prime, my partner has all that so I don't know what this is. How was this even done from my information and phone number, email and social security number. I would like this to be removed and that card also removed as I didn't authorize or want. Please advise .... 

The date XX/XX/2023 Synchrony Bank
Product: Debt collection

I attempted to pay in full my debt from an old apartment that I had left and did not receive a final bill, because the office personal gave me a wrong move out date, a month prior to the actual move out time. I later saw the debt showed up on my credit report without any bill received to date from the Apartment complex. Multiple attempts to pay this debt in full have proved futile. The manager of Pro Collect refused the money order of the full amount on XX/XX/XXXX, and also XX/XX/XXXX. When I hand delivered on both occasion the full amount of XXXX on a money order, he refused the amount and threated me stating, " I am calling Fountains of wood meadow right now and tell them not to accept the payment from you ''. I tried to explain to him that I never got a bill from the apartment people, and I don't think it is fair to me, hence the money order was drafted in The Apartment complex name. The Debt Collector at Pro Collect, went on further to state, '' by the way you have owed this debt too long, and I wont make any money off it '' He refused the money order of the {$570.00}, told me I needed to pay him. I further explained I needed to obtain a home, and because of this I have been rejected multiple times. Currently they have been re-aging the account on my credit report. The date reflected currently is XX/XX/XXXX, when the debt was incurred XX/XX/XXXX, 4 years ago. I had to notify Pro Collect not to Contact me, due to the enormous phone call volume in the past.
Product: Checking or savings account

I bank with Keybank. On XX/XX/2018 they charged a fee for an annual rewards relationship to my account for {$40.00}. I have a letter from them stating they are stopping the program and will no longer be charging that fee. As a result, that charge resulted in a NSF of {$37.00}. Those two fees took be negative and kept it that way thus generating further fees. If those fees had not happened ( as per their letter ending the program the fee was charged for ) none of the other fees would have happened. I have calculated daily and would have had a positive balance with deposits and debits. I am asking for {$170.00} in NSF fees from XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX as well as the {$40.00} fee. Total of {$210.00}.
Product: Checking or savings account

My card was recently stolen and used for a slew of unauthorized transactions. They started on XX/XX/XXXX and ended on XX/XX/XXXX. It started with a transaction from automotix for {$1000.00} and ended with a purchase from footlocker for {$140.00}. There were multiple atm withdrawals for different amounts and a couple of online purchases. Every transaction posted from XX/XX/XXXX until XX/XX/XXXX was not me and was unauthorized. I called in a timely matter on XX/XX/XXXX as soon as I noticed the unauthorized activity Im guessing it took some time for some transactions to post. The total amount lost was {$7500.00}
Product: Debt collection

XXXX pet hospital submitted an account in the amount of {$270.00} to I.C. Systems for collection. I do not own a pet nor have I ever yet this collection agency insist that I owe this debt. I have not received any correspondence from XXXX or I.C. Systems stating that I owe a debt or verification that this debt is valid i.e. paperwork, video, etc. verfying that I, XXXX XXXX, brought an animal to their facility. Please help me resolve this matter. Thank you!
Product: Checking or savings account

Someone tried to file unemployement against my name and then they opened a checking account with a debit card through chase.
Product: Credit reporting or other personal consumer reports

I recently disputed an account with Experian due to it being an account that I did not recognize as belonging to me. This account is for XXXX XXXX with a balance of {$310.00}. The dispute with Experian came back as verified and stating that it was an accurate account. This account was not investigated properly because I also submitted a complaint to the debt collector as well and received a letter from them stating that it could not be verified. So how is it possible that Experian stated that it was verified. I am attaching to letter from XXXX XXXX to this complaint.
Product: Credit card or prepaid card

In XX/XX/2019 I submitted a fraud claim with Discover Card. I was notified on XX/XX/2019 that the investigation had been closed and that all unauthorized charges had been credited ( see attached ). I have still not received these noted funds of {$1100.00}. I have called multiple times and continue to be told the funds will be in my account within 12-14 days. The first time this was noted was on XX/XX/2019 by XXXX at XXXX. I called again on XX/XX/2019 at XXXX was spoke with XXXX who notified that the investigation was incomplete so they could not process the transfer and send me the funds of {$1100.00}. I again spoke with someone at discover on XX/XX/2019 at XXXX who notified me that they would transfer the funds after the credit refund team had time to review the claim. I have been given no reason to believe they will actually transfer the funds as they continue to say they will. I have also asked that any account in my name at discover be closed and have continued to fight them on it. I also have no reason to believe they have actually closed any of my accounts as requested based on the letter I received on XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, I called Transunion and informed them that I had a inquiry on my credit report. I was told that they would not remove this inaccurate inquiry from XXXX XXXX XXXX XXXX XXXX, 2020 ) even though XXXX  removed this inquiry. If another credit bureau removed an inaccurate inquiry why is Transunion refusing to remove it? I want this inquiry removed immediately. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I want reported accounts removed. 
XXXX XXXX XXXX
Product: Debt collection

Enhanced Recovery has reported XXXX negative trade lines with failing to properly validating the debt. On XXXX XXXX I received a collection notice from Enhanced Recovery payment of {$390.00} for a debt owed to XXXX XXXX. I sent them a request for validation. It looks like they received it XXXX XXXX, 2015. Enhanced Recovery failed to properly validated this debt and reported it as a collection in XXXX of 2015. Furthermore on Enhanced Recovery sent me a settlement offer XXXX XXXX, 2015 for a XXXX account again i sent them a request for validation ( a letter dated XXXX XXXX, 2015. I never received anything from them. In XXXX 2015 a collection was placed on my credit report. I firmly believe that Enhanced Recovery actions are illegal. I want these negative entries removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing these companies since XXXX. I do not understand why they have not removed these accounts because they are not mine and are because of my suffering from identity theft. I have written too many times to count and my last letter to each was just last month.
Product: Credit reporting or other personal consumer reports

I am sending this correspondence to address significant concerns regarding the accuracy of my credit report ou Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you to comply.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.

( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed. Please remove all accounts that are not in METRO 2 Compliance. Also I do not consent to e-Oscar or any means of automated verification. Thanks for your help with this matter.

The items below should all be removed from my consumer report under 15 US Code1681i ( 6 ) as it has been over 45 days and you failed to comply.

Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting or other personal consumer reports

i was recently released from a long XXXX  when i found on my credit report to be suspicious activity or in other words my identity was being use without my authorization. On XX/XX/XXXX i sent to XXXX, XXXX, and XXXX via priority mail an Identity theft Affidavit, dispute letter and supporting documentation such as Proof Of XXXX. The expected delivery date was XX/XX/XXXX. Also on XX/XX/XXXX i sent dispute letters and supporting documents individually to the creditors XXXX XXXX XXXX first progress card, and XXXX XXXX  with expected delivery dates of XX/XX/XXXX and XX/XX/XXXX. ( after verification with mail carrier it was confirmed that all packages was in fact delivered on their expected dates ) On XX/XX/XXXX XXXX XXXX  system shows that they received the documents. In between that date and the date of XX/XX/XXXX XXXX was investigating the claim. On XX/XX/XXXX XXXX completed the investigation but there were still XXXX accounts on my credit report that resulted from identity theft. Those acounts that were not removed as a result on my SSN being compromised were XXXX XXXX XXXX XXXX acct # XXXX  Balance : {$16.00} -first progress card acct # XXXX Balance : {$170.00} XXXX XXXX acct # XXXX  Balance : {$0.00} On XX/XX/XXXX I recorded a call with a representative by the name of XXXX who best advised me to file another dispute. So felt with no other options i took the advice of the representative.
Product: Payday loan, title loan, or personal loan

On XX/XX/2022 I obtained an installment loan with XXXX XXXX  of XXXX and my loan was sold to another company named Tower loans and my balance doubled. I did not review any notification that XXXX XXXX  was closing down and that my loan was being transferred to another company. I need help removing these excessive and unauthorized charges.