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

I opened an online account with USAA in order to open a banking product with them. Unfortunately I did not qualify for membership with them. Upon realizing this I call them and asked them to cancel that online profile. They told me since I could n't qualify for membership that the online account will be closed automatically. Well, months passed and I recently received an email from them in regard to an online agreement update. When I try to access online, the acocunt is still open. They never closed it. I call them once more and this time they stated once I create the online account it can not be deleted and my private personal information will remain on their system. I am not authorizing USAA to keep my private personal information and it is outrageous that they tell me they wo n't delete it.
Product: Debt collection

I have received several calls from IC Systems regarding a balance they claim I owe to XXXX. I have repeatedly told their office and prior collection companies that the internet service was cancelled/paid in full when I moved. I have requested validation MULTIPLE times by phone and in writing over the last 6 months. They have ignored my request and continued to report this to the credit bureau. This has caused a lot of frustration as it made my credit score drop by XXXX points and has disqualified me from being approved for a loan. This company has violated my consumer rights by failing to adhere to the FDCPA and FCRA regulations. My next step is to file a lawsuit and attorney general complaint against this company. They need to remove this erroneous tradeline from my credit report immediately.
Product: Credit reporting or other personal consumer reports

There is a Medical Debt on my credit report that needs to be removed.

PLEASE REMOVE IT.

It's important to me to get this removed because it is suppressing my score and over credit health.

The Problem Account is : XXXX XXXX XXXX XXXX ( don't know the other digits ) There is also NO PROOF that this medical debt is mine.

Also, I do not know what the charge off amount is for either. This is a mystery.

Thank you.
Product: Credit card or prepaid card

Citi bank, collections, harassment. 
I have been receiving multiple times calls a day up to 6 or more, six days a week if not 7days for over 2 months. Sometimes only 2-3 hrs apart from each other. Example XX/XX/XXXX received a call at XXXX,XXXX,XXXX. XXXX,XXXX,XXXX. I have answered the phone first time and talk to them and they continue to call that day. They say that they will make note to inform Citi. But others claim no notes or info on file. Others said they don't do that. My reading of new federal laws passed by Congress against credit & collections companies. One is that they can not continue to call and harass multiple and multiple times a day everyday and they say on the phone that they will continue to do so. Last talked to them on XX/XX/XXXX XXXX talked to XXXX Id # XXXX he gave me. Refused to tell me the managers name as all companies do. The laws are in place to protect us from harassment calls from credit & collections companies do they work. Who else do I need to contact and file with? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several fraudulent accounts appear on my credit report and I have no knowledge of these accounts. I have tried several procedures to have these accounts deleted from my credit report because I didn't know the proper steps to take these fraudulent accounts off my credit report so the information just remained on my credit report. I have contacted these companies directly about these complaints. They did nothing. I even considered paying collections off through collections agency departments in hopes that specific accounts would be deleted. These negative accounts should be deleted immediately from my XXXX  credit report. 

Negative Accounts : 1. XXXX XXXX XXXX / XXXX XXXX XXXX - {$2100.00} on XX/XX/XXXX, 2. XXXX XXXX XXXX XXXX XXXX XXXX - {$180.00} on XX/XX/XXXX, 3. XXXX  / XXXX XXXX - {$1300.00} on XX/XX/XXXXXXXX, XXXX, 4. XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX{$1000.00} on XX/XX/XXXX 5. XX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXX{$560.00} on XX/XX/XXXX, 6. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX{$1100.00} on XX/XX/XXXX, 7. XXXX XXXX / XXXX XXXX XXXX XXXX. {$800.00} on XX/XX/XXXX, 8. XXXXXX/XX/XXXXXXXX {$330.00} on XX/XX/XXXX It is also a host of fraudulent hard inquiries as well listed below : 1. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, XXXX. XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX, 3. XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 4. XXXX XXXX XXXXXX/XX/XXXXXXXX - XXXX date : XX/XX/XXXX, 5. XXXX XX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX, 6. XX/XX/XXXXXXXX XX/XX/XXXX- Inquiry date : XX/XX/XXXX, 7. XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXXXXXX - Inquiry date : XX/XX/XXXX, 8. XXXX Inquiry date : XX/XX/XXXX, 9. XXXXXX/XX/XXXXXXXX XXXX Inquiry date : XX/XX/XXXX 10. XXXX Inquiry date : XX/XX/XXXX 11. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX Inquiry date : XX/XX/XXXX XXXX. XXXX XXXX Inquiry date : XX/XX/XXXX These accounts should be deleted immediately from my credit report immediately.
Product: Mortgage

XXXX   XXXX  keeps trying to get my social security number so he can submit a mortgage application for me. I have told him several times my credit is not good enough. He wo n't stop calling me. I wo n't lie on an application.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXX. XXXX  XXXX Account number XXXX have violated my rights. 

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : Account number XXXX. XXXX XXXX : Account number XXXX. XXXX  XXXX Account number XXXX have violated my rights. 

I looked at my TransUnion credit report on XX/XX/XXXX 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 1681i 5, they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. 
( A ) in general, after any reinvestigation under paragraph ( XXXX ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are not supposed to furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is never been mine! I don't know about this account. I never signed any contract with this account. I should not be the one who are liable for this account because this is not mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX are ignoring my requests to investigate, verify and remove addresses from my credit reports/files that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan on my credit report that should be removed ; I had it removed from XXXX 2 years ago. I have been disputing XXXX Bank to be removed- there was a XXXX lawsuit for predatory lending, and the bank agreed to remove this loan from my account. I received the information from the Attorney General, and my mom, the primary account holder, received the restitution payment. I have uploaded all this info, but I have gotten no response in the last XXXX years from XXXX or Experian. I had paid XXXX XXXX to get this taken off, and in XX/XX/XXXX, I received a letter from XXXX that they found no evidence of identity theft. I've called and can't reach them ; the account number on my report is wrong, so I can not get a live person when I call. Experian updates the date, and that is it, and then sends it back on my credit report because they change the date, that satisfies a change so their account is left on my credit report longer. The last payment was XX/XX/XXXX, XXXX 's is reporting it as XX/XX/XXXX because that is when they sold the truck. Then they updated the file on XX/XX/XXXX because of this identity theft letter that I don't know what they are talking about.
Product: Debt collection

They call me on my work phone number. I have asked them to stop calling me on my work number and they keep doing it, which is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to inform you that EXPERIAN unlawfully reported an unauthorized inquiry on my consumer report. I have not given them permission to access my credit profile and they have no permissible purpose by law to contact third parties with my private or personal information. Their offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. 

XX/XX/2022, XX/XX/2022, XX/XX/2022 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Also, Experian did not follow METRO 2 COMPLIANCE LAWS when they put these violations on my consumer report, and I DEMAND THAT THEY BE REMOVED EFFECTIVE IMMEDIATELY.
Product: Credit reporting

Experian has lied and claimed that there is no enough evidence to support my claim, well I am about to submit proof as to how the XXXX XXXX XXXX account was not mine and why all accounts associated with it are not mine. XXXX XXXX XXXX claims the account was charged off in XXXX by someone named esquire, myself, and a XXXX XXXX. In XXXX XXXX of XXXX, I was married to XXXX XXXX who became XXXX XXXX. In XXXX of XXXX, all her accounts were changed to her married name including a student account she had with XXXX XXXX XXXX. I am attaching a few pictures of her card showing this. Now explain to me why I should not sue you for the XXXX you have cost me XXXX. Give me a XXXX 60 day response and I will make sure court papers are filed the next day. You were caught committing a felony and should be charged but we all know heartless souls like those at Equifax bought all the agiencies that oversea them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this complaint as my follow-up to my prior complaint which is dated XX/XX/XXXX. My previous complaint contains disputed items which are needed to be investigated please validate the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

LexisNexis continues to report inaccurate information on my consumer report without my permission and they do not have authority to do so. My name is XXXX XXXX there should be no other names on my report, my ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX deleted any other addresses. Any number listed is not mine and should be deleted immediately. Furthermore my name and any other property belonging to the estate of XXXX XXXX is copyrighted and LexisNexis does not have the permission from the estate to use the likeness of any of it's property to sell for profit of LexisNexis. Since I have equitable interest in my estate this encroachment has caused me serious harm.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

One credit bureau just closed an investigation to my dispute concerning XXXX XXXX XXXX XXXX XXXX ( XXXX ). The bureau claims that XXXX has verified the account with them and it is accurate. I know this to be false because XXXX by and through the law firm XXXX and XXXX XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX ; is simultaneously attempting to freeze my bank account to collect a judgement they have obtained. 
On or about XX/XX/2015, XXXX XXXX an Attorney from law firm XXXX and XXXX, XXXX, XXXX Delaware XXXX, XXXX XXXX, XXXX, NY XXXX mailed a summons, and complaints on behalf of XXXX XXXX XXXX XXXX XXXX. For the amount of {$600.00}. 
On or about XX/XX/2015, XXXX XXXX and XXXX law firm served a letter, summons, and complaint represent XXXX XXXX XXXX XXXX XXXX. XXXX XXXX said I owe {$600.00} and would be seeking a Judgement for his client XXXX XXXX XXXX XXXX XXXX. 
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX mailed another letter, restraining notice, and an information subpoena by and through XXXX XXXX XXXX XXXX. This time XXXX XXXX states I face imminent legal action about an Judgment against me and that I am to restrain from spending money. This time for the amount of {$1700.00}. 
I reached out to XXXX XXXX, the CEO of XXXX XXXX XXXX XXXX XXXX to ask him about the validity of the law firms claims and how he would like me to proceed. He simply said he received my email and is cooperating with XXXX XXXX XXXX XXXX appropriately. I believe the court documents to be fraudulent ( attached ) ; an illegal collection tactic deployed by XXXX XXXX XXXX XXXX XXXX and their law firm XXXX and XXXX XXXX, in attempt to scare me into paying a debt I dont owe.
Product: Credit reporting or other personal consumer reports

FCRA 605B may require us to eliminate any wrong accounts from my credit report. Can you please review the documents? Some of the listed accounts have inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I am formally disputing an unlawful medical debt currently listed on my consumer credit report by XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ). This tradeline is in direct violation of federal law and must be permanently removed. The Consumer Financial Protection Bureau ( CFPB ) has ruled that medical debt can no longer be included on consumer credit reports. As of XX/XX/year>2024, all medical debt is prohibited from appearing on consumer credit reports. The continued presence of this tradeline on my credit report is unlawful and must be deleted immediately. 

Additionally, the debt collector has failed to respond to a Notice I sent regarding a dispute with the debt. Under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must validate a debt upon request before continuing collection or reporting. On XX/XX/XXXX, I sent XXXX XXXX XXXX XXXX XXXX a formal written dispute and demand for validation. To date, the company has failed to respond within the required 30-day period, failed to provide proof that this debt is lawful and valid leaving my concerns unaddressed. Continued reporting the debt despite being legally required to cease all collection efforts. Since no validation was provided, this account must be removed under FCRA 1681s-2 ( a ), which prohibits furnishing inaccurate or unverified information.

As credit reporting agencies, you have a legal obligation under FCRA 1681i to remove unverifiable accounts. Since medical debt is no longer reportable under federal law and the debt collector has failed to validate this account, its continued presence on my consumer report constitutes a willful violation of the Fair Credit Reporting Act. Therefore, I demand that this account be permanently deleted from my credit report within 10 days.
Product: Mortgage

I HAD FORECLOSURE COMPLETED ON XXXX/XXXX/2009 FROM XXXX XXXX. IN ADDITION I HAD A XXXX MORTGAGE THAT WAS INITIATED AT TIME OF PURCHASE WITH CITIBANK FOR {$20000.00}. THE XXXX MORTGAGE IS STILL ON MY CREDIT REPORT AND BEING REPORTED AS A NEGATIVE ACCOUNT AND BALANCE DUE OF {$19000.00}. I WOULD LIKE THIS ACCOUNT TO REFLECT A {$0.00} BALANCE AS IT IS RELATED TO MY FORECLOSURE. THANK YOU
Product: Debt collection

I have requested verification and validation of debt and this company will not provide. I do not believe that this agency is licensed and bonded to collect in my state and that this debt is over XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is formal notice that you have failed to respond in a timely manner to my dispute letter of, deposited by registered mail with the U.S. Postal Service on that date.Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.For your benefit, and as agesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized CCR Date of Inquiry : XXXX  Please remove it from my credit report.

3. The inquiry was not authorized QUALITY Date of inquiry : XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX Date on iquiry : XXXX Please remove it from my credit report.

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ).
Product: Credit reporting or other personal consumer reports

The credit bureaus are reporting an incorrect auto loan charge-off from XXXX XXXX. My co signer owns my vehicle free and clear, and I have the title to prove it. I request that the credit bureaus review the title documentation and promptly delete this inaccurate account from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unknown account appeared on my TransUnion Consumer Files for XXXX XXXX XXXX I previously had no inquiries
Product: Payday loan, title loan, personal loan, or advance loan

I went to purchase glasses and was offered an loan with Acima to pay off the balance. I agreed but was not told about the terms and the additional charges. I saw there was an early pay off date 90 days after the purchase date but it was my understanding this would just reduce my interest fees. After the early payoff date expired, my total lease amount doubled. 
I already paid nearly XXXX of the loan, but now was told I'm responsible for double the amount because the " contract time extended ''. I did not agreed to this. I could have made a large payment and been done by now. When I called customer service the only option provided was either make the payment in full aka remain on the plan OR return the glasses and lose the money I've paid thus far. When I asked to speak to a manager I was left on hold for XXXX mins with no response or call back. I was trapped into this agreement, with only a 90 day buy out period and predator terms of conditions that keep me paying out more money over time. PLUS, the ONLY option is auto pay. ( Never agreed to this. Nor is it indicated on the website anywhere ) And it's every 2 weeks. On days that I'm not paid. So they would automatically deduct the payment, it would fail and then they would add a penalty fee on top that. Acima Leasing is a SCAM
Product: Debt collection

XXXX XXXX sent me to collections in XXXX 2017 over a debt due to ID theft. I have since had that collections account and all credit issues resolved through my own efforts, but on XXXX XXXX, 2017 I sent XXXX an email and hard copy letter with a " Request for Records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act '' in order to receive any and all documents related to my case, in hopes of figuring out who stole my identity and how they did so. XXXX XXXX of XXXX fully acknowledged receipt of this notice and numerous occasions ( including in writing ). Since that date, no one at XXXX has contacted me or given me any indication they plan to comply with the law and providing me the documents as required by law. It has been over 30 days and XXXX is in violation so I am now filing a full compliant. The debt collections company they sent the debt to was " Fair Collections & Outsourcing '' but they are not the company in violation or the company I am filing the complaint about. It is only XXXX XXXX that is in violation and is withholding documents.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to investigate the accuracy of disputed information and take steps to ensure consumers credit reports are accurate. For example, consumer reporting agencies must provide notice of a consumer dispute to the furnisher who provided the disputed information, conduct reasonable investigations to determine whether the disputed information is inaccurate, and provide the results of the investigation to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have credit inquiries from Equifax and XXXX that are fraud. I had a similar problem earlier this year each bureau should have a police report and fraud affidavit on file the following were not made by me. These are all Fraud. 
1.XXXX XXXX 2 . XXXX XXXX XXXX 3. XXXX XXXX 4.XXXX XXXX 5.XXXX XXXX