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

I spoke with a representative which informed me my complaint was received via certified mail. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law? Also, every piece of information on these accounts is still not reported 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % Accurate.

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

I have a XXXX hard inquiry, I have had this service for more then 2 years, and the service remain on and in good standing up to now. The inquiry has been placed XX/XX/XXXX. How could they re-credit check me if I had and already have service with them. I am cancelling my service with them as of XX/XX/XXXX. Also, I might add, there are XXXX account for XXXX, I have not ever knew this have gone to collections for those dates listed. I have alway remain in good standings with XXXX not ever understanding why they could of ever hit my account at those dates on my Experian report. On my Experian have have dozen 's of soft inquires 1 same company hit 's me 8 times almost like every month. I don't know who or why they are doing this. And another different multiple hits in the same year, and almost consecutive months as well. I don't know who this company is as well and don't understand why it keeps soft inquiring me. Also on the Experian, they are very, very old account 's still on my report, such as Social Security, couldn't understand why and how this account ever got to my account, that account was paid immediately. Please look over and reflect. Thank you so much for your help in this matter.
Product: Mortgage

Kiavi Lending is trying to charge me monthly for houses that I do not own per XXXX XXXX, XXXX XXXX, and XXXX XXXX in the state of XXXX  XXXX XXXX can not make me pay for a house that is not transferred into my name or XXXX XXXX, that is illegal!!! The Owner of all the homes in question so far are owned by XXXX XXXX and XXXX XXXX XXXX, they should be paying Kiavi Lending for the home mortgage each month. Put the Deed in my name, and I will happily pay for the homes. I have called several key personnel at the XXXX XXXX XXXX XXXX XXXX. XXXX and XXXX have been a huge help letting me know to stop paying for these houses, because I do not own them. XXXX XXXX also XXXX I have also spoke with XXXX XXXX who is a supervisor at XXXX XXXX XXXX XXXX. XXXX, and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX XXXX TRANSUNION : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Product: Checking or savings account

I am a thirty year member of USAA. On XX/XX/2020 while traveling in XXXX, I submitted a claim for a credit dispute where a vendor did not provide the services I paid for and could not be reached. USAA had requested a cancellation date and there was none because the vendor could not be reached which I stated clearly in the documentation. 

USAA closed my case and failed to accept my communications or communicate clearly with me about its reasons. 

When I returned from being locked down in the XXXX  XXXX I called USAA on XX/XX/XXXX and was told they would reopen my case. They did not and I subsequently spoke with 9 different people who all told me different things including 3 in their highest customer complaint offices, the CEO 's Office. On XX/XX/XXXX I was told by a claims analyst named XXXX that all USAA transaction disputes must have a cancelation date and on XX/XX/XXXX I was told by XXXX XXXX of the CEO 's Office that all transactions must have a cancelation date and nothing further would be done on my case by USAA. I question the veracity of this since it flies in the face of all logic given that many disputed transactions do not involve a transaction in time in this manner. 

More to the point, again : since the reason for the transaction dispute was that the vendor was unreachable, there was no way to cancel my transaction. I told XXXX XXXX that this is USAA 's error and not mine and therefore USAA should reimburse me. He denied this request as well. 

I have since noticed that USAA has been penalized XXXX XXXX dollars for failing to honor customer stop payment requests. Clearly USAA did not reimburse these customers either and makes a habit of this type of offense and has done it again with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were CHARGE OFF accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time, on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove these charge offs, from my personal profile. A copy of my Utility Bill, Passport, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. XXXX XXXX, XXXX XXXX, and XXXX XXXX . Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my Utility Bill, Passport, and my Social Security Number as verification of my ONLY address.
Product: Debt collection

XXXX XXXX XXXX on behalf of Harpeth Financial dba Advance Financial is trying to collect on account number XXXX which was discharged in bankruptcy in XX/XX/2017. Harpeth Financial failed to file a claim in bankruptcy case number XXXX and are now trying to illegally collect on a debt that I am no longer legally obligated to pay as I have been relieved of it by the Bankruptcy Court of XXXX TN .
Product: Money transfer, virtual currency, or money service

I searched XXXX on XX/XX/2018 at approximately XXXX for tickets to see XXXX XXXX perform at the XXXX XXXX XXXX XXXX in XXXX XXXX, MD the following night. I responded to an ad and begin texting with " XXXX XXXX '' of phone number XXXX and email address XXXX. I was texting the phone number and I sent a test email to her email address, so they both were active as listed at the time. I agreed to buy the tickets advertised and asked to see a ticket purchase confirmation, which she provided via screenshot. I wanted to pay via XXXX, but she convinced me to use a service called XXXX, which I had never heard of. I researched it, it is a legitimate service, and it was offered by my bank, Navy Federal Credit Union, which made me feel safe. I figured the transfer must be bank to bank, so the receiver of the funds should be traceable by name and social sec number like my account is at my bank. I transferred {$500.00} dollars for four tickets to " her husband '' ( XXXX ), but after the transfer, the email accounts and the cell phone number were both taken out of service. I never received the tickets or any further communication. 

I filed a fraud complain with Navy Federal Credit Union, but they rejected it since I agreed to complete the transfer. That is, it was not an unauthorized withdrawal ( theft from my account without my knowledge or authorization ). 

Since the money went from my bank account to some other bank account via XXXX ( through Navy Federal ), I would think the receiving bank would have some evidence of who opened that account and with what ID / soc. sec. number. 

I would appreciate your help. Thank you.
Product: Debt collection

XXXX a third party company keeps putting on my credit file I owe a debt for numerous accounts in there office under the law XXXX XXXX XXXX XXXX XXXX XXXX b I didnt not give them permission to report on my file XXXX I told them they are breaking the law XXXX violated my rights b continue to do it I dispute it with XXXX XXXX XXXX XXXX XXXX XXXX they keep putting it back on my credit file knowing they are breaking the law I have a verbal cease XXXX desist against that company please remove XXXX delete it from my file please asap they are breaking the law anything in there office with my name XXXX social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of consumer protection laws and to seek your assistance in enforcing my legal rights. The violations I outline below have had a profound and detrimental impact on my life, causing severe emotional distress and financial hardship. 

XXXX. **Unauthorized Inquiries ( FCRA ) : ** Creditor : XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX Account Number : XXXX Violations : Incorrect high balance, inaccurate date of last activity, reaging accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit, improper reporting. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Various Violations ( FCRA ) : ** Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Similar violations as above. 

XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Current Address : XXXX XXXX XXXX, XXXX, CA XXXX XXXX. **Incorrect Reporting of Personal Information ( FCRA ) : ** Incorrect Previous Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX These violations have significantly impacted my life. The inaccuracies and unjust reporting have hindered my ability to secure housing, employment, and credit. My family and I have endured constant stress and emotional turmoil as a result of these violations. The financial hardship caused by the inaccurate credit reporting has strained our ability to provide for our basic needs and future aspirations. 

I implore the Consumer Financial Protection Bureau to use its authority to enforce the applicable consumer protection laws and ensure that these violations are rectified promptly. I kindly request that you initiate a thorough investigation into the actions of the creditors listed above and take appropriate measures to hold them accountable for their unlawful practices. 

Furthermore, I respectfully demand that the aforementioned creditors provide verification for the disputed accounts or remove them from my credit report immediately. These unverified and inaccurately reported accounts are causing irreparable harm to my financial well-being and overall quality of life. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take the necessary actions to rectify these violations and restore my rights as a consumer. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

The collection to XXXX was paid electronically on X/XX/2017 for the amount XXXX from my wife XXXX checking account. 
I can submit the statement as proof. 
Its been more than one year this account was paid and it is still listed as delinquent.
Product: Checking or savings account

I noticed a charge for {$2000.00} on my checking account on XX/XX/2020 and immediately called Bank of America to file a claim. I continued to call every three days to check in on my claim as I still had heard nothing back. The transaction was made to a XXXX company in New York. Neither me nor my husband have ever even been to New York or have ever made a transaction amounting to {$2000.00} on our debit cards or credit cards. BOA stated that since Iogged onto my online banking account ( when I checked my account and noticed the fradulant transaction ) that they denied my claim. I logged on and immediately noticed the fradulant transaction and made the claim, so this makes zero sense. It is now XX/XX/2020 and BOA has denied my claim and I have had to reopen it and now wait at least another two weeks in order to even possibly receive my money back. BOA is trying to state that I logged into my online banking account during the dates of XX/XX/2020 and XX/XX/2020 which is one reason why they denied my claim. I did not log into my account at all during those two days.
Product: Credit reporting

My mortgage manager sent them proof it was n't my lien and they said they can not remove it from my name. I have XXXX lien showing up as mine. My name was put under hers on the tax form XXXX erroneously, I think they thought we were married? Her name is next to her social and her debt and the irs said that should be enough for you all to remove it. I also attached the transunion letter where they found it to be in error.
Product: Credit reporting or other personal consumer reports

I have filed XXXX bankruptcy cases in the last 7 years. In the first XXXX, my XXXX XXXX mortgage was included. That one was dismissed. In the second one, my XXXX XXXX mortgage was NOT included and the court has allowed me to pay the mortgage OUTSIDE of the bankruptcy. 

I have made MULTIPLE requests for XXXX XXXX to continue CORRECTLY reporting my monthly payments. For XXXX YEARS, they kept reporting inaccurate information and had made credit report look like I was up to XXXX years behind on payment. THIS TANKED MY XXXX XXXX!!! 

I have made several complaints to the CRAs and they have had me to send in my current bills to show that I was indeed current. So, the CRAs removed the inaccurate reporting. But, XXXX XXXX is REFUSING to correctly report my current mortgage payments. 

Right now, they are the ONLY company that is NOT reporting accurately, and they are not even part of the bankruptcy!!!
Product: Credit reporting

Transunion had a glitch in their system that violated the rights of their consumer under section 6.11. As a result I have multiple hard inquires ( falsely ) reported on my credit report. As a result of this violation my credit score has been effected and suffering. Notice was never given which is also a violation. As a result of this I am requesting all inquires be removed. 
I have attached a copy of my transunion inquires in the attachment section.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX XXXX on my credit report that is false and illegal to report according to 15 U.S. Code 1681a. I did not give written consent or any consent for it to be reported to all credit bureaus. This inaccurate debt i do believe was on or around year XXXX. This inaccurate report is illegal i never even had a debt with XXXX thats a third party company which seems like to me they bough the debt so its now paid. They seem to be coming after me to pay them when im under no legal contract with them what so ever. It needs to be resolved immediately or i will be forced to take legal action against this company and the credit bureau company.
Product: Debt collection

The Collection agency sent me a notice they were collecting on behalf of a creditor, I responded within 30 days with the request to validate the debt. The Collection agency never responded in violation of the fair credit reporting act, and continued on a monthly basis to send me Billings. I requested that validation of the debt three more times in the past year and the company has never responded. They accessed my credit report through the XXXX bureaus and additionally they placed a collection notice on my credit in spite of the fact that they never responded and validated the debt. At this time I have filed a civil action against the collection Agency for violation of the fair credit reporting act for accessing my credit without permissible purpose and also for placing invalidated information on my credit bureau report which has caused my score to drop substantially.
Product: Debt collection

I have been trying to resolve this issue. The company have never provided me with proof that they own this account and proof that the account is mine.
Product: Debt collection

Portfolio Recovery calls my cell phone 15-20 times a day from various numbers and area codes, I have told them that financially at this time I am not in the position to pay anything on the matters they contact me about and I have demanded they stop calling me, it goes in one ear and out the other. 

I want something done about this company! 

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

I have disputed a collection from XXXX XXXX XXXX XXXX in my Experian credit report because the delinquent XXXX XXXX XXXX account does not belong to me. The account is opened by my tenant, and I don't how the account is a joint account with my name on it because I have not signed any contract. I have submitted an email to Experian showing that my tenant has agreed to paid off the balance. I don't know if she will eventually pay it off, but this is evidence that I'm not responsible for this account or balance. My credit score is lowered at no fault of my own. Experian 's dispute results stated that the collection is " Remains '' as of XX/XX/2023, and the collection is not removed. How could Experian verify the collection without requesting for the signed contract? What laws states that the landlord is responsible for the actions of the tenant? Experian is blindingly taking XXXX word without requesting for hard evidence. Experian is complicit in this fraud and harassment.
Product: Checking or savings account

I reported two transactions for {$29.00} from an online company that I have nothing to do with and I did not authorize and I did not purchase. It looks like some identity theft, some kind of credit check company and its been three different transactions one for XXXX XXXX  one for XXXX on XX/XX/XXXX and one for XXXX on XX/XX/XXXX and Since I made the complaint earlier, I see one of the {$29.00} charges as a provisional credit right now on my account and a XXXX charge is also on there but the other XXXX is from a company like XXXX its a variation of the other one. Its not even the same name but its the same place I think and I want that money too. That was already denied and I dont understand why they keep denying me things that I didnt do so I dont see a provisional credit of XXXX. That should be twice
Product: Credit card or prepaid card

In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604A section 2 : it also stated a consumer reporting agency can not furnish a account without my written instructions.

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX
Product: Bank account or service

I bank with Regions bank and everytime I visit this new branch in XXXX XXXX XXXX, fl I have an issue making deposits or withdraws.I was called by the tellers telling me my bank card was closed out and they would like me to come in to issue a new one.One week passed and the new card was not there.So they canceled that card and ordered another and that XXXX never showed up as well.I became upset and asked to speak with the manager and she was rude.She told me I would just have to wait to get a card or keep coming in to make deposits and withdraws.I ended up going to another branch location in XXXX XXXX and they took care of the whole mix up and situation.I just wanted to withdraw and deposit my money.I am disappointed because i received a phone call today from the other Branch on XXXX XXXX saying that they have to right to close my account for any reason and will be doing so today, so i needed to come pick up the check or they will mail it out.XXXX was the managers name very rude, unhelpful and unknowledgeable.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act US BKPT XXXX XXXXXXXX XXXX Reference # XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX {$300.00} open XXXX, Closed, XXXX XXXX XXXX$970.00} # XXXX XXXXXXXX XXXX XXXX, closed, XXXX XXXX XXXX {$2500.00} collection XX/XX/2022, Department of Treasure {$220.00} 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: Debt collection

Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment
Product: Credit reporting, credit repair services, or other personal consumer reports

American Honda Finance received my XX/XX/2021 auto loan payment on XXXX XXXX, 2021 ( due date XXXX XXXX, 2021 ). However, XXXX misapplied my payment to the wrong account of a related family member. I received a collection call from XXXX when the account went 30 days past due. I requested XXXX to correct the misapplied payment, which they did. However, they did not reflect the true payment date of XXXX XXXX. 
My credit history on XXXX and XXXX reflects a 30-day delinquency, which has significantly impacted my credit score unfairly as the payment was received before it was due, which tells me that XXXX has not correctly reported my account history to the credit bureau agencies .

I have attached a screen shot of my payment history from my American Honda Finance account.
Product: Debt collection

Affiliate Asset Solutions Dept Collections called and wanted payment now for {$630.00} for a XXXX XXXX, 2014 ambulance bill from XXXX XXXX XXXX. They would not give us an address, except XXXX XXXX XXXX, Georgia. We did not pay them. We called XXXX and were told we do not owe any money and they do not use this depth collection service. I think this is a scam.