23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am filing this complaint against the 3 major credit bureaus. 

I disputed the accuracy of a XXXX XXXX account XXXX. 

All three are reporting different variables The follwing information is reporting wrong : Date Opened : XXXX XX/XX/XXXX XXXX  XX/XX/XXXX Equifax XX/XX/XXXX XXXX XXXX : XXXX  {$1000.00} XXXX {$0.00} Equifax {$41.00} Credit Limit : XXXX  {$1000.00} XXXX {$1000.00} Equifax {$0.00} Last Reported : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Comments : XXXX XXXX Charged off as bad debt Canceled by credit grantor XXXX : Account has been closed due to inactivity. 
Unpaid balance reported as a loss by the credit grantor. 
Equifax Charged off account Accounts closed by credit grantor Date Last Active : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX Equifax XX/XX/XXXX Date of Last Payment : XXXX XX/XX/XXXX XXXX   XX/XX/XXXX Equifax XX/XX/XXXX The information above should be the same across the board. There should be no difference any of these factors. The FCRA clearly states items on a credit report needs to be reported as 100 percent accurate. If not not they should be deleted I have attached a copy of my report showing the in-accurate information
Product: Credit reporting or other personal consumer reports

While I was in college, our dorm room was broken into and personal items were removed from my room. SSN card, bank statements, checks and other personal items. I filed a report with administration and campus police department. I was informed to wait and to start monitoring my credit. I noticed items on my file I did not apply for. I am having problems with Trans Union in resolving the problem. 


-XXXX opened : XX/XX/year>
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Here are attatched of all the proof u need to dismiss my 180 days late payments on my XXXX XXXX and Equifax report. this is concerning my education loan through XXXX. I have never missed a payment due to me always being on a deferment or forbearance option with the loans for my schooling.
Product: Payday loan, title loan, or personal loan

Upstart and XXXX XXXX have a paid arrangement, where XXXX XXXX will display rates and amounts for personal loans from Upstart, based on your credit score, and with calculated odds of approval. 

I am trying to consolidate debt, and XXXX XXXX shows 'Outstanding " approval odds for a $ XXXX XXXXl loan at XXXX  % APR, based on my XXXX XXXX. This loan would come from Upstart. When I click through to accept the loan and finalize the process, it takes me to the Upstart website. Upstart then reports that I am only approved for up to XXXX ... annoying, but understandable. However, the XXXX has now jumped to XXXX %! This is higher than the interest rate on the credit card debt I am trying to consolidate. 

This is wildly misleading, and could cause less-informed consumers to inadvertently accept a loan with a much higher interest rate than was advertised. XXXX XXXX has my credit score, and the rates they are getting from Upstart should be taking this into account. Instead, they're bulling a bait-and-switch with interest rates inflated by XXXX % or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX do not understand why Experian is violating my rights under the FCRA. I have submitted a complaint to the CFPB and you Experian is still not cooperating. I sent in a certified letter to Experian on XX/XX/XXXXDated XX/XX/2018. The letter was a certified letter asking for the METHOD OF VERIFICATION on the Account XXXX XXXX # XXXX. Experian received the letter and started a dispute. Per the FCRA 611 ( a ) ( 7 ) I the consumer has the right to request a complete description of all methods used to investigate the verified account XXXX XXXX # XXXX. I requested specific information in my certified letter that I wanted to see. The person name, the address, the telephone number and the documentation Experian used to verify the account/dispute. This is against the laws and rules of the FCRA and I will be seeking a Lawyer on this matter to file a suit for damages, because Experian is not proving the METHOD OF VERIFICATION. On XX/XX/2018 I received a noticed that Experian had completed their investigation. How is it that they completed the investigation when I never received my METHOD OF VERFICATION on the account XXXX XXXX # XXXX. This is not right I am entitled to the METHOD OF VERIFICATION. I will be filing a law suit for damages. I enclosed a copy of the letter I sent Experian requesting the METHOD OF VERIFICATION. I have enclosed a copy of the dispute results from Experian that I received on XX/XX/2018. I never asked for Experian to update anything on this account. I was requesting METHOD OF VERIFICATION. As you can see with the disputed account the previous dispute from XX/XX/2018 shows the same information as the information on the dispute from the last dispute as in XX/XX/2018. 
Im not understanding why Experian is stating that the account is updated and both of the results shows the same information so Experian is reporting misleading information and refused to send me the METHOD OF VERIFICATION. I have all rights to see the METHOD OF VERIFICATION. I will be showing this to a lawyer because I am entitled to damages for the willful noncompliance. Nothing was changed from the dispute dated from XX/XX/2018 the information is the same from the last XX/XX/2018 dispute, so Experian is lying and no information has changed. I asked for method of verification so I dont know why this account is still showing as updated. This is my last complaint I will be filing a lawsuit because I asked for the method of verification and I was denied my rights under the FCRA,, Experian should have removed the account from my file. You didnt provide the method of verification and it should have been removed from my credit file. This is not rights you cant say you updated the account when I clearly asked for the method of verification. the account information didn't changed.. again I asked for the METHOD OF VERIFICATION. I EVEN CALLED THE ORIGINAL CREDITOR AND ASKED DID THEY HAVE ANY RECORDS OF THE METHOD OF VERIFICATION AND THEY STATED THEY DIDNT HAVE ANH RECORDS OF THE METHOD OF VERIFICATION WITH EXPERIAN WITH THE ACCOUNT..
Product: Credit reporting, credit repair services, or other personal consumer reports

when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- XXXX DATE XX/XX/XXXX 5.XXXX XXXX XXXX  DATE XX/XX/XXXX.
Product: Debt collection

I have been contacted different times with different amounts from this company about an XXXX XXXX XXXX bill. I have asked them to provide me with some type of official documents that proofs the debt is my. They havent done that and will not remove this from my credit report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX BALANCE : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX, XXXX B XX/XX/year>
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. 

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

Please see attached files I have reported numerous accounts on my credit report to Experian as inaccurate and unverified and Experian has REFUSED to conduct a reasonable investigation into disputes. I have attached a letter regarding my request. Please either verify these accounts, or, if it can not verified, remove these accounts from my credit report as by my right afforded to me under the FCRA.
Product: Credit reporting or other personal consumer reports

I filed mutiple disputes in regards to inaccurate reporting of information on my credit profile with all 3 agencies they are continuously violating my credit reports the way that theyre reporting the same item but differently with inaccurate information on each report, the account listed is XXXX XXXX with all the violations on my report they still refused to look into it!! I do not want to involve an attorney but this is getting ridiculoussince theyre all verifying accurate information why does my credit reports show different information with each bureau please look into this
Product: Credit card or prepaid card

I apply back in XX/XX/XXXX ( Ref : XXXX ) for a green card from american express that offer XXXX rewards point after I spend XXXX in three months, I spend the money and I didn't received my points, I called at the beginning of XXXX and they told me that my application was not associated to that reward points offer, I wait to paid the statement of XXXX to see if after the 3 months they apply my points reward and nothing was applied, On XX/XX/XXXX I was in the chat with a supervisor and they said the same, and that they will open and investigation about that. I just finish to chat with american express again and the said the same that the investigation is open and that they didn't see link to my application the welcome offer. I have the gold car from american express and with this card I have the same or best Amex Offers & Benefit than with the green card. the only reason that I applied for the Green was for the XXXX points offer, and they said now that the benefits from my application in that card was the XXXX fee annual the first year, that its ridiculous how i'm going to apply for a card that only offer XXXX annual fee the first year?
Product: Credit reporting or other personal consumer reports

To whom this may concern, My name is XXXX XXXX XXXX .Those accounts attached to this letter does not belong to me. For I have been XXXX  from XXXX I could not have possibly open those accounts. Please remove them. Thank you.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform credit bureaus that the following companies made unauthorized inquiries on my credit report. I have listed the names of the companies below, and the dates the inquiries were made. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX OF XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was falsely reported dead to USAA. The person who reported me dead withdrew the money from my CD and closed the account. I reported this to the fraud department of USAA and they said there was no fraud. There wasnt anything they could do. I reported it to the police department. The investigating detective said he found several felony charges. USAA allowed this crime to occur and did nothing about it.
Product: Credit card or prepaid card

On XX/XX/2020 I was notified via text alert from USAA of suspicious activity on my credit card. I checked online to discover two fraudulent charges : the first for {$91.00} and another for {$2300.00} made right after for a total of {$2400.00}. I immediately called USAA to report the fraud and change the credit card number. During the call with the credit card department, I was assured that this issue was handled. An adjustment was issued for the full amount. 

On XX/XX/2020, the full amount of the fraudulent charges was once again charged back to the account by USAA. I submitted a signed statement saying the charges are fraudulent. A few lengthy calls revealed that the fraud department employee had determined the fraud charges were my own doing since I was in possession of the card. The credit card department claimed I didn't answer two calls from the fraud department and therefore I am responsible for the fraudulent charges. 

After being assured that the case was being reopened, I recieved a credit card statement for the account with a monthly payment due for the fraudulent charges. A call with the escalations team revealed that the fraud department had incorrectly determined the charges to be legitimate since fraud is committed with fake cards and other means. Concerned about the payment due amount being reported on my credit report, I was assured that the fraud department would call me within 5 business days to gather information. 

I have recieved no communications from USAA regarding my fraud case. Payment is due in 4 days and I am left on the hook for a scammer 's greed. USAA has a zero liability policy for fraud, but only if they can correctly assess the charges to be fraudulent. USAA needs to get these fake charges off of my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA INACCURATE LATE PAYMENT WITH XXXX XXXX XXXX ACCOUNT # XXXX, AND ADDRESS, NAME, TELEPHONE THAT I DID NOT AUTHORIZED, APPEARED ON MY EXPERIAN CREDIT REPORT.
Product: Checking or savings account

On XX/XX/XXXX, Juno froze access to my checking account ( held through XXXX or XXXX ). I have {$120000.00} in this checking account that I do not have access to. I have not had access to this money since XX/XX/XXXX. Please note that while Juno has cryptocurrency services, I did not use any of those services ; I have not purchased or sold cryptocurrency through Juno. I have only used the checking account service, which Juno indicated was held at an FDIC-insured bank. I have called and emailed Juno. The customer service people I spoke to said that this was an issue with XXXX and XXXX and that they were unable to give me back access to my funds. I have also tried calling XXXX, but XXXX said the issue is with XXXX. I have been unable to contact XXXX. I understand that a XXXX affiliate is currently in bankruptcy. Juno said my funds are held with either XXXX or a XXXX  affiliate that is not in bankruptcy. Either way, I haven't had access to {$120000.00} for 3 weeks. I have already been late on an automatic credit card payment that was funded from this account.
Product: Credit reporting

I have dispute an item with Transunion. That item is XXXX, XXXX XXXX XXXX. Each time they send me the results, they say this item is verified. However, they do not attach any proof of the verification to my results or credit report. In addition, they do not attach how they actually verified this item and they are supposed to.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reinsert a business account on my personal profile
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX IL, XXXX XX/XX/XXXX USAA XXXX XXXX XXXX XXXX XXXX, Texas XXXX Subject : Demand for Rescission of Consumer Credit Transaction Under 15 U.S.C. 1602, 1635, 1679a, and Related Provisions Dear USAA I am writing to formally address violations under the Truth in Lending Act ( TILA ) concerning my recent consumer credit transaction with USAA. This letter serves as a notice of rescission due to insufficient disclosures regarding my right to rescind, as well as additional violations under relevant provisions of the TILA and the Fair Credit Reporting Act ( FCRA ).

Consumer Credit Transaction and Rescission Rights Pursuant to 15 U.S.C. 1679a, a consumer credit transaction includes any transaction involving an extension of credit primarily for personal, family, or household purposes. I purchased my vehicle primarily for my familys personal use. My loan contract explicitly identifies this transaction as a consumer credit transaction. However, I was not provided with adequate notice of my right to rescind the transaction as required by 15 U.S.C. 1635. Had I been aware of my right to rescind, I would have exercised this right when title issues and accusations of foul play arose.

Under 15 U.S.C. 1635 ( a ), creditors are obligated to disclose the right of rescission for consumer credit transactions. Because USAA failed to disclose this essential information, I am exercising my right to rescind the loan immediately. 

Applicability of 15 U.S.C. 1635 and Definition of Consumer Credit Transactions According to 15 U.S.C. 1635 ( 4 ), the right of rescission applies to all consumer credit transactions consummated on or after XX/XX/XXXX, making my loan eligible for rescission. Additionally, I am aware that residential mortgage transactions are exempt ; however, this exemption does not apply here, as the loan was strictly a consumer credit transaction, not related to a dwelling mortgage as defined in 15 U.S.C. 1602 ( x ).

Additional Violations Under TILA and FCRA USAAs failure to disclose my rescission rights constitutes inadequate disclosure per TILA standards, violating 15 U.S.C. 1602 ( k ). Furthermore, I have experienced a lack of transparency regarding issues with multiple car titles and misleading information in my credit report, which may represent further violations under the FCRA, specifically 15 U.S.C. 1681s-2. USAA knowingly reported inaccurate information, creating financial harm and exacerbating my concerns regarding the transactions integrity. 

Request for Remedy As a result of these violations, I formally demand rescission of my loan in accordance with 15 U.S.C. 1635. I expect to retain the vehicle and receive a full refund of all payments made to date, with finance charges zeroed. Furthermore, I request that USAA take immediate steps to rectify any inaccurate or misleading information reported on my credit report to reflect this rescission. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide details on the steps USAA will take to honor this rescission request in compliance with TILA. 

Sincerely, XXXX XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.