23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I had several different accounts with USAA. Due to ongoing rudeness, lies and general incompetence, I moved all my business away from them. I no longer have any of my financial business with them. They still have XXXX credit inquiries being reported on my credit report. Since I have no financial business with them and never will, I think it 's fair that these be removed. But USAA is doing all they can to damage my credit. My score was XXXX before they started their campaign against me. I want their inquiries removed. Can you help me get that done?
Product: Credit card or prepaid card

I received a call early in the a.m., I never answer, I let them go to voice mail, then if they leave a message of importance, I call back. The message said they were investigating a possible fraudulent charge on my Amazon Card, saying to reach my account I could input the last 4 of my SS number, I did so, half asleep. The call sounded legit. The electronic voice, then said, as I recall, I could input my SS number to reach my account, I think I may have inputted the entire number before I awoke and got suspicious. I then called Amazon, or the bank that is on the card. They said I was all paid up and no new charges ... .so folks I'm concerned I was unfortunately had by scammers, but fortunately I didn't send money or pay out on some fraudulent claim. 

Thanks for your help ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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, Account name : XXXX XXXX XXXX # XXXX, Account name : Dept of XXXX AID # XXXX, Account name : XXXX XXXX XXXX, Account name : Credit XXXX XXXX XXXX, Account name : XXXX  # XXXX, Account name : XXXX XXXX XXXX XXXX Account name : XXXX  # XXXX Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : DPTED/XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX section XXXX A. XXXX 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: Checking or savings account

On XXXX XXXX/2022 it was a large amount tranfer from my saving account to my checking account of the total amount of {$6200.00}. My lawyer and i have contact City Bank multiple time, I also have gone sit with bank representive and it hasent been no result.They having done anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is refusing to remove 9 late payments that they claim were after my XXXX began, XX/XX/2016. The supposedly late payments are still inflicting emotional damages upon me because Im XXXX XXXX  XXXX, they dont need to be adding insult to injury. Those 9 late payments still effect the repair of my credit and reputation.
Product: Checking or savings account

On XX/XX/XXXX a company made a charge against my account without my authorization. I contacted the company, XXXX within 30 minutes of this charge and spoke with them in reference to this issue. They advised this was done in error and that the charge would be reversed, and that there should be no issue with my bank, as the charge would disappear and never process. On XX/XX/XXXX, Regions bank sent me a notice that two {$36.00} overdraft fees were levied against my account due to the 12 hours that the unauthorized charge was " pending '' in their online system. At no point was my account overdrawn, and at no point did the charge from XXXX clear my account. On XX/XX/XXXX I called Regions bank in reference to the {$72.00} in charges on my account. A customer service representative advised me that she would " take care '' of the fees charged " in error '' but later stated she needed to send me to escalations. I spoke to a XXXX XXXX at that time who refused to assist me and stated that I had " agreed '' to be charged fees for pending charges, even if they were fraudulent. He refused to refund the fees or allow me to speak to a supervisor with his bank. I advised him that I would close the account and file a complaint and he told me I should do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my Trans Union credit report for a XXXX XXXX bankruptcy. The bankruptcy is still reporting as open and filed but it has been dismissed since XX/XX/2019. I have reported the correct information to TransUnion representatives on three occasions and they refused to correct the erroneous information. I explained to them how this was causing me great distress and anxiety because I need to move and was at risk of being XXXX due to the error, and that no one would grant me credit, rent or obtain a mortgage because of the bankruptcy still showing open on my credit report. I contacted TransUnion reps in XXXX, XXXX and XXXX to assist with the dispute and they would not correct the inaccuracy. They stated that they had investigated it and that it was accurate and I tried to tell them that it was not. They told me that I would have to contact the lender but the lender was the Bankruptcy Court. There was a number listed on my credit report and I called it and the clerk stated that they do not report any information to the credit bureaus and that the credit bureaus pay a third-party to report this information. If this is the case, the information is public so I can not understand why it was not updated correctly. I went on the website for the bankruptcy court and was able to print the dismissal papers myself so I do not understand why the credit bureaus could not do the same to help me and update their files to be correct. On XX/XX/XXXX, I spoke to two different TransUnion reps named XXXX and XXXX and then a supervisor named XXXX who researched the issue and said they do see the bankruptcy was dismissed on XX/XX/2019, but I had to wait until XX/XX/XXXX because it was still under investigation?!? He told me that I had to write a letter to them and send supporting documents to state that the bankruptcy was dismissed. I told him that I do not have XXXX additional days to wait for them to resolve the dispute and that the information should be removed immediately because I had already disputed it three separate times with no favorable results. I have to move in the next 30 days so this is unacceptable and TransUnion needs to remove this inaccuracy immediately! I never knew why I could not get approved for credit but it is because TransUnion has been reporting an open inaccurate bankruptcy on my report and refused to correct it for the last three years and this has caused me great distress, lack of resources, anxiety, XXXX, and mental anguish.
Product: Checking or savings account

Like 3 year 's ago with  XXXX   XXXX . They said that I owe Credit Collection Services  XXXX  never ever had that much money in the bank ever.   I am on there list. Need my own checking account!   The address is  XXXX   XXXX   XXXX   XXXX , Ma  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl  XXXX  Email is  XXXX  XXXX  XXXX  I read a lot on them they are bogus also. Found a lot of information on them from other web sites. From other people on it also!
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX XXXX Balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX of XX/XX/2020I submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.
Product: Credit reporting or other personal consumer reports

Hello I recently reviewed my consumer report and I noticed that there were XXXX late payments on my account with XXXX XXXX  open XX/XX/XXXX XXXXXXXX XXXX XXXX open XX/XX/XXXX that I havent been late for. In addition to that, I have also noticed that several of my consumer rights have been violated in the midst of these late payments being added to my credit report. According to the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681e ( b ), consumer reporting agencies are responsible for providing maximum accuracy when reporting consumer information, however my consumer report has several inaccuracies that I have attached below. In addition to that late payments are considered transactions due to the late fees that are associated with credit cards & according to 15 U.S. Code 1681a 2 ( A ) ( i ) consumer reports should not include information pertaining to any transactions or experiences between the consumer and the originator of the report. If this is the case, late payments that I am not responsible for should definitely not be reported on my consumer report! I am aware of several other consumer rights that have been violated and I am prepared to settle for civil liability damages that I have suffered as a result of your violations. Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I ask that any late payments associated with XXXX XXXX  for the months of XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX and XXXX XXXX XXXX for the months of XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX for the month of XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX be updated to paid as agreed on time and NOT DELETED so the account can remain active. Thank You! Please see the attached screenshot to view the late payments and inaccuracies that I am disputing. Your cooperation in this matter is crucial to ensure the accuracy of my credit report and to safeguard my rights as a consumer under the FCRA. I appreciate your prompt attention to this dispute and look forward to a resolution in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$900.00} XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXX : {$640.00} XXXX XXXX XXXX  Original creditor XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX 2023
Product: Mortgage

Chase Bank Servicer - Investor XXXX XXXXMy state is listed as the hardest Hit States and was specially designated a fund since we had the highest foreclosure rate in the country. Orginally contacted HOPE NOW and was told they could not help me. Was denied XXXX times by Chase for a modification due " the investor '' does not participate. All along, I have basically had to " steal from XXXX to Pay XXXX '' and have credit cards and owe debts to family members that I know now I will never be able to pay back just to stay current and was told by Chase that I had to be late to qualify for any home retention options which would distroy my credit. I cant afford higher interest rates on credit cards, auto insurance, and many other items that will require deposits if I have to move. XXXX will eventually cause me to lose my home and have to file for Bankruptcy. I am already on food stamps. My hardship began in XXXX 2013 when my husband passed. He was the major wage earner of the home. I begged my family to move in with me to help me with expenses and help me with the grief of losing my husband. There was no will or probate. I lost 85 % of the household income. ARM loan.
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 Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : 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: Mortgage

Im very upset at Select Portfolio Servicing. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I right now have sale for home on XXXX XXXX, 2017 at XXXX I still to this day can not get a loan modification they always denying my loan modification. Please help me with this. I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. I have sent them all documents for packet of loan modification. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an online dispute with Equifax on XX/XX/2020. Today is now XX/XX/2020 and the two disputed accounts still show " Consumer Disputes - Reinvestigation in Process. '' XXXX XXXX XXXX - XXXX - Reporting as a Charge-off account which is inaccurate. 

The XXXX  XXXX XXXX  - XXXX - Reporting as an Open Revolving account which is inaccurate.

I called Equifax on four separate occasions today and spoke with four different agents. I informed them all that the accounts were still in a Reinvestigation status and I have not received results within the required 30 days. They all verified what I was saying was true. They verified the dispute start date. They also verified that the accounts were still showing a Reinvestigation in Process status. I told them that I was patient and decided to give 45 days to receive the results. It is now past 45 days. They informed me that they would not delete the accounts ; which is a direct violation of the FCRA laws.
Product: Credit reporting or other personal consumer reports

Greetings and Blessings from the Most High God. Per the FCRA as a federally protected consumer and child of God. I am formally opting out of any and all authorizations, I the consumer XXXX XXXX XXXX may have given XXXX XXXXXXXX, written, unwritten, verbal and nonverbal per 15 usc 6802. 

Account : XXXX XXXX XXXX has consistently violated my federally protected rights. Despite numerous requests to cease their reporting to the CRAs due to their so-called " lawful reporting ''. The banks entire existence rests upon my signature and the authorizations that were given to them by use of my signature. Yet, under the hood XXXX XXXX XXXXXXXX XXXX  XXXX has reaped all the benefits of my good name and has not provided me remedy or equity in any transaction they've made using my good name and social security number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX XXXX XXXX XXXX account for months. XXXX  and XXXX  have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I paid my total past due balance iao {$970.00} and ACA reported my account 60 days late on XX/XX/year> to the credit bureaus.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I wrote you requesting validation of this alleged debt. As of today, I have not heard back from you. You have failed to supply the demanded proof of the alleged debt, I want to note that under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC ( f ) in this alleged matter. XXXX. ) What is your authorization of law for your collection of information? XXXX. ) What is your authorization of law for you collection of this alleged debt? XXXX. ) Please send evidence your authorization to do business or operate in the state of Texas XXXX. ) Please provide a copy of the purchase agreement of the alleged debt. XXXX. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. You have XXXX  ( XXXX ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand-signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( s ) in error, and that this matter is permanently closed. 

-- - XXXX XXXX XXXX # XXXX -- -
Product: Credit reporting or other personal consumer reports

I am writing to dispute unauthorized and inaccurate credit inquiries appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 604, a permissible purpose is required for any inquiry. These inquiries were made without my authorization, violating my rights under the FCRA. 

I request that these inaccurate inquiries be investigated and removed promptly. Such unauthorized entries harm my creditworthiness and financial standing. Please ensure all necessary steps are taken to correct this matter and hold the responsible parties accountable for non-compliance. 

Thank you for your immediate attention to this issue. 

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

I had an online account with Equifax after my data was breached in XXXX. I was given a free TrustedID account as a result. I also setup an account at XXXX. I do not use the website often but I recently received an alert from XXXX   saying my SSN was found online and I should freeze my credit reports. I attempted to log in to freeze my credit account for Equifax but I was told to call them when I attempted to log in. 

When I attempted to change my password I get the reset link in my email account but after going through the trouble of changing it, I get the page to call them. 

Today, XX/XX/XXXX, I called and was told by a customer service rep that my account was no longer accessible because I submitted " incorrect information ''. I asked how to solve the issue and they said it was impossible. I asked for a supervisor and was told the same thing. 

I just want what they promised me, online access to my Equifax credit report.
Product: Credit reporting or other personal consumer reports

Let 's not mince words here : the fact that you have chosen to ignore my legitimate claims is not only infuriating but also an affront to justice. I have been victimized by identity theft, and the toll it has taken on my life, my financial stability, and my emotional well-being is immeasurable. The Federal Trade Commission ( FTC ) and law enforcement agencies have recognized the validity of my claims. I have taken every possible step to follow the proper procedures, and it is inconceivable that your bureau continues to ignore the law and my rights as a victim of identity theft. I demand that you immediately rectify this grave injustice by acknowledging and thoroughly investigating my identity theft disputes. Your refusal to do so is not only a dereliction of duty but a blatant disregard for the suffering I have endured. These are the accounts that I need to be removed :XX/XX/XXXX and XX/XX/XXXX XXXX. Please remove these accounts immediately.