23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report. Under the Fair CREDIT Reporting Act ( FCRA ), section 611 ( 15 U.S.C. 1681i ), unverified inquiries must be removed. PLEASE INVESTIGATE AND REMOVE ANY UNVERIFIABLE INQUIRIES. a LIST OF ALL INQUIRIES UNAUTHORIZED BY MYSELF, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXXXXXX MO XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit score of XXXX in XX/XX/2022. But within a 24 hour period, my score dropped XXXX points for no reason. I did not apply for new credit. I did not make any large purchases with a credit card. I have not missed, or made any late payments. And I did not pay off any loans or close any accounts in recent months. Transunion has not been able to provide an explanation, and closed their so-called investigation into the matter within one business day. The only action taken by the agency was providing me with a copy of my report, which I already had in hand. Nothing changed on my report. Transunion failed to conduct a proper investigation, and refused to provide any explanation for the sudden drop in my credit score. I need a resolution in this matter before seeking legal assistance. I want Transunion to correct the erroneous information on my report.
Product: Credit reporting

unable to verify me. I have not had any credit cards in at least five years and my mortgage is an individual, not reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

im writing this complaint to to address PORTFOLIO RECOVERY to collect an alleged debt owed by me. This company has obtained my personal identification under false pretenses. I received a XXXX complaint that this account would be removed within 30 days. it has been over 90 days. this debt is damaging my credit report. PORTFOLIO RECOVERY is a debt collector pursuant to 15 U.S. Code 1692a ( 6 ) and has violated my right to privacy by committing identity theft. 15 U.S. Code 1681a - Definitions ; rules of construction ( q ) Definitions Relating to Fraud Alerts. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.PORTFOLIO RECOVERY has never received written instructions from me authorizing the furnishing of any information to third parties in violation of 15 U.S. Code 1681b.Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.U.S. Code 1602 - Definitions and rules of construction ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Debt collection

USAA called me repeatedly on the following days despite my debt consolidation companyh working with their settlement department ( seperate ticket XXXX ). 

Days include : XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX and XXXX ), XXXX XXXX ( at XXXX, XXXX, and XXXX ), XXXX XXXX ( at XXXX and XXXX ). 

As per previous ticket, I did inform them to work with the consolidation firm. I 've also, admittedly very angrily, informed them of the Fair Debt Collection Practices Act which states that they may not harrass by calling multiple times in the same day. 

Also stated on the previous ticket, I spoke to a manager and he sent a message to the team for them to contact me at a specific time and day to sort this out and have XXXX XXXX on the phone. They did not call at the specified time/day ( XXXX XXXX XXXX, XXXX ) or the day after. Then they called again on XXXX ( today ) .This leads me to beleive that theyh do n't want to work with me on the debt, but just to harrass me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX Balance : {$1800.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$4500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$71.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX .
Product: Credit card

I have used the Chase XXXX XXXX XXXX card for approximately three years. I pay an annual fee of {$95.00} for this card, specifically because it grants me free checked bags and priority boarding. I had a credit limit of {$10000.00}, with approximately {$5300.00} outstanding. I paid off the balance in full yesterday. Today I tried to book XXXX airline tickets ( approximately {$2500.00} ) using the card, and it was declined ( it had also recently been declined at a grocery store with plenty of availability - humiliating to say the least ). I called to find out the issue and was told they had reduced my credit limit this morning by {$10000.00} to {$500.00}. I pay an annual fee specifically to be able to purchase airline tickets on this card - you ca n't buy airline tickets with a {$500.00} credit limit! I do n't understand ( nor care ) what they *think* they saw in my credit profile that indicates I am either a higher risk or an unprofitable customer. They should have notified me before such a drastic decrease in my availability as I would have used the cash to buy my airline tickets instead of paying the account in full. I want my annual fee refunded for the inconvenience and embarrassment they have caused me.
Product: Student loan

On XX/XX/23, I called Mohela they left me on hold for XXXX hours so I could speak to a supervisor. I asked for them to look into payments that were not being covered under XXXX. Could not provide an explanation as to why payments were not being counted. A month ago I spoke to someone and they saw the discrepancy and stated they were in training I waited on hold for an hour only for the agent to tell me she could not get a hold of a supervisor and they would have someone call me back. No one ever called me back. The month before that I was told my payments were just not all counted yet and to give it more time. Each time I call its a different answer or excuse.
Product: Credit card or prepaid card

On XXXX, I received an Email from a credit bureau company indicating that chase has added a missed payment to my credit history. It was surprising since I knew I was enrolled on auto-payment program, so it is impossible to miss a payment. I contacted XXXX and they informed me that they have sent a letter to me on or around XXXX XXXX indicating that my auto-payment has been turned off. However, they surprisingly sent the letter to my previous address in XXXX, while currently it is more than a year and half that have abandoned my previous address in XXXX and live in XXXX. In fact, in XXXX, I contacted chase via phone and updated my address, but based on my recent communication with them, they have failed to update my address for some reason! Accordingly, I missed a crucial correspondence with respect to turning off the auto-payment on my account, which led to delinquency and unfair report to the credit Bureaus. I talked to XXXX XXXX XXXX on XXXX at XXXX XXXX with respect to my complaint. She mentioned to me that she has left a note on my account regarding her finding regarding my complaint. 

Accordingly, given that chase failed to update my address, despite my request to do so via a phone call in XXXX, and chase has turned off my auto-payment after I enrolled in the payment program while subsequently failed to send correspondence with this respect to my updated address, I hereby request chase to correct its wrong-doing and remove the missed payment from my credit report history. 

I thank you for your cooperation and attention to this matter herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I didn't give written or verbal consent to these credit transactions to report to my credit report. XXXX XXXX, XXXX XXXX Bankruptcy, XXXX XXXX XXXX and Trans Union and XXXX have violated my consumer rights and refuse to remove these items. I am a victim of identity theft and didn't give or authorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX to access my consumer report XXXX 

SEE ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCT # XXXX, XXXX XXXX # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX BANK ACCT # 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

Please remove the following fraudulent inquiries from my credit report : INQUIRIES XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

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 accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This complaint is to notify you if you do not BLOCK OR REMOVE the listed account on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. XXXX XXXX XXXXXXXX
Product: Debt collection

Fairway collection took my husband and I to court. We had a judgment placed against us for XXXX. We did not pay that fast enough so the they went to garnish wages. New balance was XXXX. I responded to the garnishment. Due to husband only working pulling large chunks of money would put a hardship on my family of XXXX and I would pay {$100.00} a month on or before the XXXX of every month. The judge accepted this offer. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I payed XXXX XXXX on their website {$100.00} as promised. At the end of XXXX XXXX collection sent another letter again to garnish wages. This time there was no way to set up a payment plan with them. On XX/XX/XXXX they pulled XXXX out of my husband check and on XX/XX/XXXX XXXX for a total of {$1300.00}. I had already payed {$600.00} to them directly. Making the total they got is XXXX. My bank pulled our credit XX/XX/XXXX they advised the last time this account updated was XXXX showing the balance being {$1000.00}.
Product: Credit card or prepaid card

XXXX CFPB, Oportun credit card payment scam issue number two. 

Please check out the screenshots for today 's current summary transaction. The summary transaction total is {$320.00} while in the oportun online account summary the current balance is {$1000.00} ( see attachment : oportun credit card XXXX XXXX ). This means when my autopay pay the balance at due date, it would be the scam number XXXX not the transaction sum of {$320.00}. 

Also, the credit card usage is declined already for no reasons. 

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

I have an inquiry on my consumer report that should not be there XXXX XXXX ( XX/XX/2022 ), it has been on my consumer report for about a month now.
Product: Credit reporting or other personal consumer reports

We have now had to deal with this account twice. XXXX XXXX sold this debt to XXXX XXXX at which time we did a pay for delete through XXXX and the account was satisfied ( we have documentation of this ). XXXX XXXX removed it from my credit in XXXX and then reapplied it to my credit in XXXX, even though they had sold the debt to XXXX and no longer owned the debt at all. It is still appearing on my credit which the account was initially from XXXX ( so an XXXX year old charge off ). We launched an investigation with XXXX XXXX and the representative I worked with ( XXXX ) even stated that there was an error with this account and they were working on it. We were later informed that they decided the information is correct even with the pay for delete letter we sent them. No actual explanation as to how they came to this decision. We would like this item removed permanently from my credit as soon as possible as this is impacting my credit and messing with my home buying process.
Product: Vehicle loan or lease

This is with reference to my original complaint number XXXX regarding Strategic Dealer Services purchasing my auto loan from XXXX XXXX and I was not made aware of this until I attempted to pay my late fee and make arrangement on or around XXXX/XXXX/17. I advised Strategic Dealer that I have not signed a contract with them my signed contract is with XXXX XXXX and I did not see any where in my signed contract with XXXX XXXX that the auto loan can be sold, I asked that Strategic Dealer send me proof of a signed contract with their company and all I received was a welcome package. Yesterday I was bullied into making a payment to Strategic Dealer Services instead of XXXX XXXX because the shut my vehicle off ( Note : vehicle has a GPS of which the company can turn the vehicle off and it will not start until payment of which seems illegal ). I need to know if this is legal because when I called XXXX XXXX to set up my payment who in turn transferred me to Strategic Dealer to make the payment, Strategic stated they started the process of transferring my account back to XXXX but I can make payment to them because the process of transferring account back has not completed. I need to know if this is legal again I have not signed any contract with said Strategic Dealer Services and I want my account to stay with the purchased signed contract of XXXX XXXX asap and all my payments reported every 30 days to all XXXX credit bureau 's. I 'm at a lost and need help asap this all seems illegal and I have a business relation established with XXXX XXXX and their customer service has been great thus far. Please see all referenced documents attached. Thank you!
Product: Credit reporting, credit repair services, 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. XXXX # 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

According to my recent XXXX credit report my XXXX account information has not been update to reflect my current payment status. This is unacceptable! I am working hard to create a better life for myself and would like all my payments to reflect my hard work. This error has probably caused points on my report!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof an original Consumer Contract with my Signature on it. you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

am submitting this formal request to obtain a detailed description of the investigation procedures followed regarding the disputed information on my credit report. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), which obligates credit reporting agencies to provide consumers with a description of the procedures used to verify disputed accounts. 

Below are the details of the account in question : Account Information : Account Name : XXXX Account Number : XXXX I dispute the accuracy of the information reported on this account and request verification of its validity. Under the FCRA, I am entitled to a full description of the reinvestigation process conducted to verify this information. 

Additionally, under the Truth in Lending Act ( TILA ) ( 15 U.S.C. 1601 ), credit information must be both accurate and transparent to protect consumer rights. Any failure to ensure accuracy or to provide a description of the reinvestigation process represents a direct violation of my rights under federal law. 

Provide a detailed description of the procedures used to investigate and verify the accuracy of this account. 
If you can not verify this information with the data furnisher, I request the immediate deletion of the disputed account from my credit report as required by the FCRA. 

I expect a detailed written response outlining the investigation process, as required under the FCRA. Should you fail to comply with this request, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal remedies to protect my rights. 

Thank you for your prompt attention to this matter. I look forward to receiving a timely and satisfactory response.
Product: Checking or savings account

On XXXX/XXXX/XXXX I received a charge of {$32.00} on account ending XXXX. Also, on the same date for account ending XXXX I received a fee of {$1.00}. I have XXXX accounts with Citibank and a few months ago I realized I 've been getting monthly charges in the range of {$3.00} to {$50.00} a month. Also, on my personal checking ending XXXX I keep getting {$30.00} fee 's every month which I was unaware of until I was in a negative balance when I was told to just make one and leave {$100.00} in it which I did. I keep getting these fee 's and they said since I did not catch it right away they could only reverse the ones that were the month prior after the back office had a look. I was told I would get a resolution in a day and its been XXXX weeks. I call in and the bank manager gets angry saying he does not have time to be checking these.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans refinanced. Showing old loans over the limit and the incorrect balance. Showing multiple loans open with unknown dates which is incorrect. I have only one loan now through XXXX XXXX XXXX for {$68000.00}. The multiple XXXX XXXX accounts have been closed over 120 days. Disputed with transunion. These accounts are also in litigation thru settlement agreement intended to resolve Sweet v. Devos, a years-long class action lawsuit originally brought by student loan borrowers against the Trump administration for failure to process and approve thousands of Borrower Defense to Repayment applications.
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) (
B ) ( i ) ( 3 ). They must be deleted from my report.