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

My ordeal with USAA EVERY TIME THEY DO A MAINTENANCE XXXX DOWN AND THE FOLLOWING DAYS THEY ALWAYS HIT MY ACCOUNT WITH INSUFFICIENT FUNDS! Not only that but after dates change in my online register? How can that happen? Recently I stayed at a XXXX and used my debit card, they took out the fees on that day because its a debit card! How can the back tell me 3 days later that I had insufficient funds, those transactions happen in real time! They pulled the same with my storage company I paid on a Monday with debit then on Thursday they tell me I had insufficient funds??? Tell me how this happens please? I am sick of usaa and the bs they pull!!! I am just wondering how many people they do this too??? 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$900.00} ; XXXX XXXX Balance : {$870.00} ; XXXX XXXX Balance : {$2100.00} ; XXXX XXXXXXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$890.00} ; XXXX XXXX Bankruptcy : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX XXXX Balance : {$800.00} ; XXXX XXXXXXXX XXXX Balance : {$430.00} ; XXXX XXXXXXXX XXXX Balance : {$190.00} ; XXXX  XXXX XXXX Balance : {$910.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX  XXXX XXXX Balance : {$160.00} ; XXXX  XXXX XXXX Balance : {$140.00}.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing t properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administration proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the disputed accounts XXXX XXXX, XXXX XXXX XXXX
Product: Checking or savings account

2021 dont know the dates but last year and I dont remember the amounts it was my work checks fees was getting taking out. They were supposed to send me a check I never received one and my account was closed by them for no reason
Product: Credit reporting or other personal consumer reports

Harassment, Lack of Investigation & Sold-Off Debts Subject : Formal Complaint Against Experian and Debt Collectors for FCRA/FDCPA Violations, Inaccurate Reporting, and Harassment Your Information Full Name : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX Social Security Number XXXX XXXX XXXXXXXX Complaint Details Issue Type : Credit reporting, debt collection harrasment Company Complained About : Experian + XXXX XXXX XXXX + XXXX XXXX Description XXXXf the Problem A. Inaccurate Accounts and Sold-Off Debts : " The following negative accounts on my Experian report are inaccurate, outdated, or no longer owed. These debts have been sold to multiple third-party collectors who harass me daily : Account # 1 : Debt Buyer/Collector : XXXX XXXX XXXX Amount : [ {$130.00} ] Reason for Dispute : INNACURATE DEBT AND ALSO HARRASSMENT Dates of Disputes to Experian : I have had to deal with XXXX XXXX other time for over 3 years. ive reported countless times to experian. 

Account # XXXX : Debt Buyer/Collector : XXXX XXXX Reason for Dispute : Innacurate Charge and reporting Dates of Disputes to Experian : XX/XX/XXXX i believe ( Repeat for additional accounts ) This is constantly happening and always changing due to poort reporting and also creditors giving my information away. 

" Experian continues reporting these accounts despite my disputes, violating 15 USC 1681e ( b ) ( failure to maintain accuracy ) and 15 USC 1681i ( failure to reinvestigate ). The CFPBs 2023 lawsuit against Experian ( CFPB v. Experian ) confirms their systemic disregard for consumer rights. '' B. Harassment by Debt Buyers : " I am harassed daily by XXXX XXXX XXXX demanding payment for these invalid debts. Examples of harassment : " Calling late after XXXX after I requested they stop. '' " Threats of legal action they can not take ( e.g, losing my apartment ). '' " Calls [ 4 ] times per day/week. '' " Disclosed my debt to [ family/friends ] on multiple dates by sending letters to their addresses. '' This violates the FDCPA ( 15 USC 1692 ). '' C. Harm Caused : " These errors and harassment have devastated my credit score after i was starting to rebuild it after becoming a newly single father, causing : " Denial for a mortgage/auto loan. '' " Rejected apartment rental applications. '' " Emotional distress is an understatement. '' Legal Violations Experian : 15 USC 1681e ( b ) : Reporting unverified sold-off debts. 

15 USC 1681i : Ignoring disputes about invalid accounts.

15 USC 1681c ( c ) : Reporting outdated debts ( if applicable ).

Debt Collectors : 15 USC 1692 ( FDCPA ) : Harassment, false threats, illegal disclosure.

Requested Resolution Experian must permanently delete the disputed accounts and correct my credit report.

Debt collectors must cease all harassment and confirm deletion of the debts. 

Compensation for financial losses and emotional distress. 

CFPB investigation into Experians systemic violations, per their XXXX lawsuit.
Product: Credit card

Made a purchase with company XXXX XXXX, but was unaware it was a subscription service. I called the company and XXXX XXXX  stopped all charges, and in fact refunded the fee. Also contacted the credit card company and Since XX/XX/year> have been contacting Capital One regarding the charges, and one month the credit card company reverses the charges and then the next month I am charged double. This last time I called told them I was not going to pay this months bill, and then for my XXXX bill I am charged a late fee on charges that the company keeps removing, and then adding the charges back to my bill. I have sent them back every item needed to dispute these charges. I will download what I can with whatever download space is available.
Product: Mortgage

Roundpoint mortgage has violated several mortgage lending laws, has defrauded me on multiple occasions and continues to do so. They have ruined my credit preventing me, a real estate investor by trade, from obtaining mortgage financing for my current projects. For the first time in over 40 years I have been denied credit because of Roundpoints mis-reporting. Roundpoint needs to be held accountable for their malicious, illegal and fraudulent behavior. If Roundpoint has done this to me a mortgage professional, how many other people have they done this to? I believe an audit of Roundpoint 's business practices will reveal rampant fraud within their origination. Roundpoint mortgage is in violation of mortgage collection laws regarding threatening and abusive phone calls.

Roundpoint failed to properly notify me they had purchased my mortgage loan in XXXX of 2023. As evidenced by their own correspondence dated XX/XX/2023 they are in violation of proper notification laws. A company can not notify you XX/XX/XXXX for a XX/XX/XXXX payment due date and then charge you late fees when they do not receive the payment ; that is fraud. Attached are my canceled checks from XXXX XXXX, my previous lender. XXXX XXXX clearly date stamped the checks XX/XX/2023. Roundpoint is in violation of mortgage loan collection laws by attempting to strong-arm me into paying late fees when I payed my mortgage payments on time. 

Attached also are my XXXX payments to Roundpoint which were clearly made on time. Roundpoint is defrauding my by refusing to give me interest credit for principal I paid over 4 months ago. Roundpoint has been holding over {$6000.00} of my money for over 4 months now and refusing to return it or apply it to my mortgages. Roundpoint needs to properly apply my mortgage payments and back date the principal reduction payments and credit me the extra interest they have been charging me on the scheduled and additional principal I have been paying for nearly a half a year. 

As this is the 3rd complaint I have filed with the CFPB regarding this problem I have also submitted copies of this and all prior complaints to both the XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX, State Attorney 's Office. I am requesting investigations for trust fund account mishandling, conversion and gross fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that you all can help me with some accounts on my credit that does not belongs to me. I reached out the creditors and the police to file a compliant. Please help me remove these accounts because they are not mine. 
XXXX XXXX XXXX AT XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX : XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX? XXXX XXXX XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX.
Product: Debt collection

On XXXX of 2016, I received an alert from credit reporting agency that a negative account where put on my credit report, I contacted the debt collator requested information regarding the dispute, also disputed the inaccurate information with the credit bureau, waited for 30 days nothing, but I did heard from XXXX saying that they updated the info, when I check my credit report the false account still there, please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian for validation for multiple inaccurate accounts that I noticed on my credit report. They still report these accounts every single day and its causing a problem to my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

Starting in XXXX of 2023, I was trying to submit to purchase a property when there was a public records on my credit report. Submitted proper documentation to XXXX to verify and take proper steps to remove from my credit report. After receiving a letter from XXXX that information was unverifiable, it was removed from my credit report by XXXX and XXXX. Submitted a dispute with Experian providing support that bankruptcy on file is not mine. 

Recieved a response stating information has been verified- when I called customer support to ask which company verified such information, no one would provide the response and told me to resubmit another dispute if I did not agree. After 3 attempts, no one provides source for verified information - on Experian 's website, it states that Public Records are verified through XXXX, but yet, XXXX does not have this information on my credit report. 

I went on PACER website, XXXX, and the give bankruptcy court website, and neither provide the information to credit bureaus for verification - Experian will not release source that verifies that public record to my credit report.
Product: Vehicle loan or lease

The company XXXX XXXX XXXX XXXX, GAP Program Administrator, XXXX XXXX XXXX, XXXX, AZ XXXX has failed to fulfill their obligation to pay on a claim submitted by the insured. This claim has been ongoing since XX/XX/XXXX. The claim was on a XXXX XXXX XXXX VIN XXXX. The date of loss was XX/XX/XXXX. XXXX XXXX put the replacement cost at {$11000.00}, Less Depreciation {$3700.00}, Actual Cash Value {$7200.00}, Less Policy Deductible {$1500.00}, Settlement Amount {$5600.00}. A portion of the " gap '' amount should have been paid by XXXX XXXX. But to date has not.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My SSN has been changed by an employee of US Bank, so that I can not access my accounts. I have had no issues with my SSN and being identified on the US Bank System.

An US Bank employee has changed by SSN without my consent and this has been done by the bank employee to make my life difficult.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that you are in direct violation of the Fair Credit Reporting Act ( FCRA ) for reporting information about my account without my consent. The specific laws that you are violating are listed below in this notarized letter, according to the Federal Trade Commission ( FTC ) and Consumer Financial Protection Bureau ( CFPB ) laws, rules, and regulations.

No one has received my written or oral consent to publish any transactions to my consumer credit report, which is a violation of 15 U.S.C. 1681 ( a ), which states that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both.

In accordance with 15 U.S.C. 1681a ( d ), the term " consumer '' means an individual and the term " consumer report '' means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, or for other purposes authorized under section 1681b of this title.

I demand that you email me a copy of my consumer report you have in file immediately since this will be the second time I ask for this and have yet to receive it. 

I have provided my license and paystub for immediate response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was a victim of identity theft, and my credit report has fraudulent accounts and inquiries due to this. I mailed a dispute to XXXX, XXXX and Transunion on XX/XX/XXXX. I included my driver license, social security card, proof of residence, identity theft report ( XXXX ) and XXXX letter. XXXX, XXXX and Transunion require this information to remove fraudulent items from your credit report. XXXX, XXXX and Transunion have failed to remove the following account XXXX XXXX XXXX opened XXXX of XXXX. I'm asking each aforementioned credit bureau to remove this fraudulent item from my credit report immediately.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EQUIFAX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion XXXX XXXX XXXX XXXX has been adding a collections to my credit report that I have provided proof to not belonging to myself, but belonging to my ex husband. I have not and am not involved with him or his responsibilities and the credit reporting agencies have failed to update my report based on the repetitive reporting from flagship I have a court order also reflecting that.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act ; XXXX  account # XXXX has violated my rights. 
XXXX  account # XXXX has violated my rights XXXX  account # XXXX has violated my rights affirm account # XXXX  has violated my rights XXXX. XXXX, XXXX account # XXXX has violated my rights XXXX XXXX  account # 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
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and noticed an account that I was not aware of. I looked for an address or phone number so that I could contact the company for the alleged debt and they have not provided any information to the credit reporting agency. 
I also never received a notice in order for me to dispute this debt, which is a violation of federal laws. Ive also included a copy of the credit report to show the account reporting FDCPA SATATES : 1006.34 Notice for validation of debts. ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. 

FCRA STATES : The responsibility of the data furnisher is outlined in the FCRA, section 623. In part, it states : The FCRA prohibits information furnishers from providing information to a consumer reporting agency ( CRA ) that they know ( or consciously avoid knowing ) is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) Neither of these were provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report has wrong name addresses and employers that has to be deleted. They are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These employers are wrong and has to be deleted permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX