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

On XX/XX/2018, an unauthorized user changed the password on my USAA online banking account. I was notified by USAA and changed the password online. On XX/XX/XXXX, there were unauthorized charges on my debit card made online. USAA issued me a new debit card but then froze my account ( no online access, no use of debit card, no auto payments ) for three business days starting on XX/XX/2018. By Friday, XX/XX/XXXX, I still did not have access to my accounts. The representatives told me it was because they couldn't reach anyone in the fraud department. It has been over a week since my account was frozen and I do not have access. USAA failed to upheld their end of the agreement to conduct an investigation in three business days and then unlock my account. As of right now, I still do not have access to pay monthly bills such as my mortgage and my cell phone bill. Both are normally deducted via autopay and USAA has locked my account. This will negatively affect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On aboutXX/XX/2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXXXXXX - IDENTITY THEFT UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appear on my credit report, even after your investigation. I would like this immediately reinvestigated. The inaccuracies are highly injurious to my credit scores. XXXX/account number XXXX In accordance with the fair credit act, public law 91-506 title VI section 611. Provide the names and business addresses of each individuals with whom you verified the follow up. Please sed me an updated copy of my credit report after reinvestigation
Product: Checking or savings account

wellsfargo.com official website publicly advertised the bonus of {$200.00} with checking account opening and qualified activities around XX/XX/XXXX. On XX/XX/XXXXI opened the account following the link at wellfargo.com and did all the required activities ( direct deposits ). 
Application Reference number : XXXX I haven't received the bonus after I met all the requirements ( direct depsits ). 

I contacted Wells Fargo and was told that their public offers don't mean to the public, which is absurd interpretation. I typed my zip code on wellsfargo.com and it told me I am eligible for the bonus based on my zip code. They are violating the customer agreement/contract. 

Thank you for looking into this. 

I need my {$200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 


TransUnion EMPLOYER : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX ADDRESS : XXXX D XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Public Records : XXXX  XXXX Bankruptcy XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Acct # XXXX To Whom It Ma Concern : Thank you for taking the time out of your day to read this letter. I just pulled my credit report, and discovered that there are 6 late payments reported for my account. I realize I recently fell on hard times and gotten behind in my payments, however, in addition to the recent late payments XXXX has reported that several other payments have been incorrectly reported as 30-59 days late. 

In the month of XX/XX/XXXX, XXXX XXXX XXXX recently reported that payment as 30-59 days late. During XX/XX/XXXX my due date for that payment was the XX/XX/XXXX of each month. My XX/XX/XXXX payment in the amount of {$390.00} was made on XX/XX/XXXX, which is actually prior to due date. 

Once again, my XX/XX/XXXX payment was recently reported 30-59 days late. My XX/XX/XXXX payment was due on XX/XX/XXXX ; my XX/XX/XXXX payment was posted to my account on XX/XX/XXXX, which is 14 days after due date. This is definitely not accurate as being reported on my credit report. 

Once again, my XX/XX/XXXX payment was report 30-59 days late. My XX/XX/XXXX payment was due on the XX/XX/XXXX. This payment was deferred at the suggestion of the customer service representative. 

In event of the inaccuracies of my payment history, I am writing to request that a resubmission of an accurate payment history is reported to all three credit bureaus. 
Thank You XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, SC XXXX XXXX : Copy of payment history from XXXX
Product: Debt collection

This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX, XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX, a cell phone provider I have never had an account relationship with. 

Enhanced Recovery Collections of XXXX, Florida has been contacted in each instance, yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account, the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves, but blames other organizations ( XXXX - XXXX ) as the responsible party. Regardless they are the one 's reporting the data in error to the credit bureaus. They are aware of the problem and failed to fix it. 

This agency seems to utilize its credit bureau reporting capability in a " predatory fashion '' in order to pressure and collect from anyone they have erroneously associated with an account in default.
Product: Credit reporting or other personal consumer reports

I ask Experian reasons & explanation why my Credit Score drop XXXX points when all my accounts are in excellent condition. My credit score was over XXXX. It been reported that there was a data breach, and 3 days later my drop XXXX points for no apparent reason!
Product: Student loan

The company ( sallie mae ) is constantly calling me from early in the morning to late at night. Contacting people outside of myself and my cosigners harassing them for my information after I've already talked to them. I've asked multiple times for this to stop they do not. I've talked multiple times to them about working with me on payments but they trick me into only paying the interest and the principal of my loan has at least doubled on EACH of my loans. I've had to let one default and am close to having to default on others because they simply will not work with me
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX To Whom It May Concern : I am writing to dispute an inaccurate late payment that appears on my credit report. According to 15 U.S.C. 1681c ( a ), outdated or inaccurate information should not be included in a consumers credit report beyond the legally permitted time frame. The late payment reported is either incorrect or outside the reporting period allowed by law. Therefore, I respectfully request that this information be removed from my credit report.

Here is the relevant section of the law for your reference : 15 U.S.C. 1681c ( a ) : This law specifies the time limits for reporting negative information, such as late payments, and requires credit reporting agencies to exclude outdated information beyond the period defined by federal law.

In addition, the presence of this incorrect information also violates other consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These inaccuracies can have a significant negative impact on my credit score and overall financial standing. I kindly request that TransUnion take immediate action to investigate and remove this late payment from my credit report. 

To support my request, I have attached copies of my identification and proof of address. Once the correction has been made, please send me a copy of my updated credit report reflecting the removal of the inaccurate information. 

Thank you for your prompt attention and assistance in resolving this matter. 

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

I filed a dispute complaint through Experian, XXXX and XXXX Credit Bureaus about information being report on my file, and what the Credit Bureaus keep sending back over and over is that they verified the information and XXXX XXXX verified the account is mine. I am not disputing that the account is mine, what I am disputing is the balance that XXXX XXXX XXXX keeps reporting as being mine, it is not mine, and they are reporting it as being delinquent which has and still is affecting my credit score tremendously. I did not sign a contract with them for a credit card, the card that was sent to me by them did not have an Annual Fee, 2 months after I paid my account in full XX/XX/2022 they sent me an email saying that my account was delinquent, when I called them to find out, what that was all about, they kept transferring me around from one Customer Service Representative after another and no one could tell me why I owed a fee. I have sent Statements of this account showing the account paid in full since XX/XX/2022 to all XXXX Credit Bureaus. XXXX XXXX XXXX sent me a credit card through the mail that I did not apply for, I used the card and I paid the balance in full, there was no Annual Fee for this card. I asked them to send me a copy of a contract that I signed agreeing to pay an Annual Fee and they have not because there is not one. This is what I am disputing, the balance not that the account was mine. I have also asked them to close the account and they are refusing to do so and keep charging that account monthly and reporting it as being delinquent, I have explained this to the Bureaus and they continue reporting it on my Credit. I have worked really hard to build my credit, I have not had any late payments and because of this situation with XXXX XXXX XXXX my credit score has gone from the 700 's to the 600 's.
Product: Credit card or prepaid card

We have tried to redeem our XXXX points on numerous occasions. We have contacted the Credit Card Company and they keep giving us the wrong number. We believe at this time that this company is blatantly committing fraud and has no intention of allowing anyone to redeem points and honor what they have advertise when getting the card. Again, we have contacted Shop Your Way a dozen times and have tried to remedy this matter with no result whatsoever. They continue to pass us off to other people that always ends up as a wrong number. After many attempts to fix this, we felt we had no choice but to report this company to you to protect others from this fraudulent activity. 

Shop Your Way Citi Card phone number for Citi Card is XXXX that number gets you to the credit card no issue. The reward on the other hand is a completely different animal. 

Thank You XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I bought a solar from XXXX. They transfer my loan to Goodleap. 
I started to pay my loan at 5.99 % all the payments are supposed to be equal {$160.00} Suddenly, in XX/XX/XXXX the difference in payments varied. They moved the principal amount and the interest so it will look the same total amount. 

Here is why I paid on XX/XX/XXXX Outstanding Principal : {$20000.00} Target Principal Balance : {$15000.00} Target Balance Date : XX/XX/XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 5.99 % DUE : XXXX Principal {$62.00} Interest : {$100.00} Fee : {$0.00} Total Payments : {$160.00} This is XX/XX/XXXX Outstanding Principal : {$20000.00} Target Principal Balance : {$15000.00} Target Balance Date : XX/XX/XXXX Maturity Date : XXXX/XXXX/XXXX Interest Rate : 5.99 % DUE : XXXX Principal {$51.00} Interest : {$110.00} Fee : {$0.00} Total Payments : {$160.00} As you can see, it was very easy to change the principal amount and the interest so it will look the same. 
By increasing the interest amount every month, it will be very hard to notice that the principal amount was decreasing very slightly. And the interest for them was overwhelming within the years. 
What a way to increase revenue for the company!! 
The webpage doesn't give you any link where you can complain. 
And also, Goodleap says that it is a third party, but it is Goodleap who sends the invoices and statements. 

Please help, XXXX XXXX XXXX
Product: Debt collection

Good Evening ; I was going through my credit report after receiving several aggressive calls from a debt collector company about an alleged debt. I went ahead and paid, but I keep reviewing my credit report it shows on my credit with a balance of over {$200.00} ... .I 've asked them and the credit bureaus to please clarify the payment status, comments, balance and account number as they might be erroneous. 

Also I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. 

Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1.  Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity
Product: Mortgage

I have a mortgage with OCWEN mortgage company whom I believe changed their names a number of times : Option One ... and other names. However, About 5 years ago I modified my mortgage with them and they claimed I would get a lower interest rate that would start at 2percent and gradually increase to 5 percent. They said nothing about a balloon payment of XXXX, ooo due at balance of loan. This was deception, greed and misleading.
Product: Credit card

On XX/XX/2023 a hard inquiry was made on my credit report for a JPMCB Card. A card was opened under my name on XX/XX/2023 with an account balance of {$210.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My past credit disputes and results have been reported with error after error with XXXX, US DEPT OF EDUCATION,  and XXXX XXXX XXXX. This ranging from XX/XX/2004 to current. 

XXXX and US Department of EDUCATION have each loan account on my credit report 2 to 3 times each. Due to some " old '' and incorrect reporting of accounts and not properly reporting and or removing these accounts off my credit report. After disputing 3 times and making several phone calls I need a proper investigation with account amounts and dates from a higher source. 

XXXX XXXX XXXX XXXX XXXX has also been improperly reporting dates and amounts after disputing 2 or 3 times also reporting all student loans as 1 big loan which is incorrect and some or all due to abuse of laws should result in deletion.
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 XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX #, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX  XXXX XXXX, 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 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: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous account reporting on my Credit Report : XXXX XXXX XXXXBalance $ XXXXDate Opened : XX/XX/2016 XXXX
Product: Money transfer, virtual currency, or money service

I wired USD XXXX to my account at Coinbase on XX/XX/XXXX. As of today ( XX/XX/XXXX ), I still have no access to my funds and they have not returned the payment either. I checked with my bank and payment was cleared the same day and transferred to the account of Coinbase at XXXX XXXX XXXX on XX/XX/XXXX. It has been almost a month and it is almost impossible to get a hold to anyone from Coinbase at all. They reply emails once a week with no specific information, only automated responses. Their customer service phone is impossible to reach either.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my attorney sent a letter to Experian disputing an item on my credit report. 
In a letter dated XX/XX/XXXX Experian replied they investigated the item and it was a valid debt. In a letter dated XX/XX/XXXX, my attorney sent Experian an FCRA 611 ( a ) demand to Experian to provide the method of verification they used to verify the disputed item. 
In a form letter dated XX/XX/XXXX, Experian again responded that they investigated the debt and it was valid. They ignored my attorney 's FCRA 611 ( a ) demands to provide the method by which they verified the disputed item on my credit report. 

After complaining on XX/XX/XXXX to the CFPB complaint number XXXX-XXXX Experian claimed that they will investigate the matter. I later received a letter from Experian just stating the same draft words the account was verified without providing me without any method of verification. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL OF THE FOLLOWING FRADULENT INQUIRIES FROM MY CONSUMER PROFILE : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX, EQUIFAX MORTGAGE SER, XXXX XXXX, XXXX XXXX XXXX IAM A VICTIM OF IDENTITY THEFT.