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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1500.00} Account Name :XX/XX/XXXX : Account XXXX : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : Balance : {$0.00} Account Name : XXXX : Account Number : XXXX : XXXX : {$0.00} Account Name : XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$4100.00} Account Name : XXXX : Account Number : XXXX : Balance : {$1700.00} Account Name :XX/XX/XXXXXXXX : Account Number : XXXX : Balance : {$2600.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX 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 or other personal consumer reports

Reporting wrongful information please correct this issue immediately or delete off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  {$11000.00} XXXX  XXXX XXXX $ XXXX {$3400.00} XXXX  XXXX  XXXX  {$2800.00} I have no knowledge of these Accounts.they are reporting incorrect information on my credit consumer report.
Product: Checking or savings account

I opened by BOA checking account on XX/XX/year> as a NEW customer who was entitled for the sign-on bonus after meeting the direct deposit requirement. However, BOA did not issue the promised bonus stating that I was NOT a new customer. That was incorrect. When I opened my account ending in XXXX on XX/XX/year>, I was a NEW customer. Then afterwards, on XX/XX/year>, I was added as a co-owner for another account ending in XXXX. This XXXX account has a long history and existed before I became a customer with BOA. So I was qualified for this bonus when my account XXXX was opened on XX/XX/year>. The account was opened in a financial center. I was added as a co-owner for XXXX account in another financial center.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been XXXX. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.
Product: Checking or savings account

I was informed today, XXXX, the following dispute was closed : Debit Card Purchase XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$160.00} .... A letter detailing dispute was not received by Citibank , according to rep spoken with in disputes dept.. As explained to rep, letters were in fact faxed to XXXX as well as mailed to XXXX XXXX  XXXX XXXX XXXX , SD XXXX. As I further explained to rep, the transaction appears to be a scam, the merchant claims the charge was declined at time of purchase, took the funds regardless, has not sent me item ordered ... The item is a XXXX XXXX XXXX, advertised on their website, it appears this is a XXXX scammer of some sort.. I've submitted a contact form inquiring about the charge, no reply received..There is no direct email or number to reach.. The rep whom took my claim at the time also agreed with me the merchant appears to be a scammer.. I've detailed entire information above in letters sent via fax as well as postal mail, I do not know why they were not received ... It appears there is a delay, possibly due to Covid-19.. The dispute ID for this transaction is XXXX. I request Citibank search their incoming faxes as well as postal mail for my letters or simply use the information contained here to move forward with dispute, issue a temporary credit, if possible.. I also request assistance with dispute ID XXXX, {$800.00} XXXX XXXX XXXX, do not have exact transaction date available to me, this item is in dispute for non-receipt of product which is also a XXXX XXXX XXXX.. It appears my dispute letter was received, according to Citibank rep, dispute still in process.. A rep I spoke with prior, on or around XX/XX/XXXX, stated a temporary credit would be issued on or around XXXX, it is now XXXX and no credit ... As detailed in letter, this item was deemed lost/stolen by XXXX, the shipping carrier, claim was supposed to be filed by shipper.. Unfortunately, the shipper is also out of country, located in XXXX, has not replied to my last email inquiring about XXXX claim and refund. A call to XXXX would be expensive and do not know if resolution would be made if called.. XXXX driver left package insecure location, without signature, there is no signature release, XXXX rep by the name of XXXX closed tracer out and advised me to have merchant file claim for loss, I emailed merchant several weeks ago, have not heard back in re.. This information is also in letter, received by Citibank. I believe there is some sort of delay due to Covid-19 on end of Citibank disputes team and or due to the fact these transactions are both foreign, difficulty in reaching the merchants in question..
Product: Debt collection

On XX/XX/XXXX I was evicted from my home. Im now receiving debt collections for a utility bill. This Utility debt is for XXXX XXXX XXXX. 
The debit collector shows as XXXX XXXX XXXX for {$250.00} which is incorrect because they are saying they show I moved in XX/XX/XXXX. I try reaching out to them over 3x for this to be correct and it hasn't. The Open date shows as XX/XX/XXXX on my credit reports but again I moved XX/XX/XXXX. Below I also attached a screenshot between me and housing company clearly stating that I left XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a collection account with XXXX XXXX for which the account has been paid off and the company agreed to remove it. The most recent report shows it's listed with a XXXX balance. They had enough time to update the balance then they should have had enough time to reach them and verify the company agreed to delete it.
Product: Checking or savings account

USAA Federal Savings Bank failed to prevent my account from being taken over and caused a check not authorized by me to be deposited. They permitted XXXX transactions totaling XXXX to occur in my account and stated that they investigated and quickly determined the fraud was me, they specifically said I committed fraud and Im failing to see how I am benefiting from this in any way. They have hung up, been rude and on numerous occasions told me the same phrase the conversation is not productive when they dislike a question that requires and intelligent answer. I am XXXX of thousands of victims of USAAs inability to protect their members and rather than disclose or fix their deficiencies they are passing those costs and then some onto banking customers. I am formally requesting that under the debit card ach protection laws I am demanding my money be returned at which time I will close my account with USAA and call that relationship a 15 year horrible experience. Over XXXX people have been victims of this exact fraud and been told it was them, I reported to USAA through my research I was told by USAA to do that the information I submitted was not only relevant but could only be deemed as a threat from USAA to dismiss and make me not report that credit/debit cards with names, addresses, emails and phone numbers were being leaked on multiple telegram channels and they advised that my name would be on the report for submitting it to the Abuse email for USAA to report fraud that I uncovered. This level of criminality is directly linked to the employees who were indicted in XXXX of 2024 that USAA refuses to acknowledge is a wider issue within the company.
Product: Debt collection

Westlake financial is doing perjury fraud and embezzlement and consumer credit debts ACH deductible accounts getting paid without permission using someone's credit identity theft in laying on my credit report said i purchase. vehicles that I never even ran my credit for and then they're going after my dead deceased father estate repossessing cars that was already paid for under his credit lying about giving the consumers this XXXX XXXX back in a civil lawsuit someone needs to release the feds after them recommended auto insurance fraud as well as consumer fraud my credit score is XXXX now because they been doing it for 4 year now over my estate
Product: Debt collection

Moving to pay off debt from apartments I lived in and had already paid half of the amount. The apartments told the debt collector to put my account on hold due to this. Now, I have fully paid off the amount of debt to the apartments and they said I was good to go. Today I get a call from the debt collector threatening to damage my credit because I didn't pay them correctly and now they are threatening to keep my private information and charge the amount on my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 Credit Bureau 's did not fix the problem of " Statue of Limitation Law '' for the State of Georgia. The Georgia statue of limitation law is capped at six years, and you can not be held accountable or be sued if the collector tries after four years since you made your last payment or defaulted. The account was open with XXXX XXXX XXXX opened XX/XX/2015 and charged off car and totaled in accident. It must be removed from credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an error on my credit report that incorrectly reflects my payment history. Upon reviewing my credit report, I noticed that it indicates a late payment associated with my account Kohl'saccount. However, I can confirm that I have never missed a payment or made a late payment on this account or any other accounts I hold. To resolve this matter, I request that you investigate this discrepancy and update my credit report accordingly. I have spoken to Kohl 's my creditor and had any
unattended late payments removed from my account statements, which support my claim of an impeccable payment history.

Kohls is only creditor I have had that has reported a late chrage in my credit history life. On XXXX XXXX they reported my account as deliquent for {$850.00}, however I had already submitted my payment to them on the morining of XX/XX/year> @ {$150.00}. On XX/XX/XXXXXXXX XXXX XXXXXXXX they agree to remove the late fee and late charge event however they aren't updating my crdit report. This is causing a major financial issue right now as I deal with aging parent and child care.

Thank you for your assistance.
Product: Credit card or prepaid card

I applied for an American Express Delta Sky Miles Card while I was on a Delta flight in XX/XX/2019, and started using it in XX/XX/2019. 

Regrettably, I had ONE mistake when I forgot a payment, but, I paid it off in full before the 60 Day Mark ( XX/XX/XXXX/XX/XX/2019. ) I have since set up autopay so I have never missed and will never miss a credit card payment instead.
Product: Mortgage

Mr. Cooper : 1 - Failed to apply payments marking them unapplied and never posting although the amount in most instances exceeded the payment amounts. Attachment XXXX XXXX- Mr. Cooper did not apply payments, marked the account delinquent, then offered a modification. The modification contained false information that the company has not explained and the account would not have been behind if Mr. Cooper had of posted the payment they marked unapplied Instead of correcting the errors or provided an explanation it gave me the run around and states I did not provide proof. Attachment XXXX XXXX- Mr. Cooper has refused to provided a breakdown of the corporate advances that {$61000.00}. The last two responses state that we provided you that information before which was another incidence of the Run Around. Mr. Cooper refuses to provide a substantial response. When contacting the Mr. Cooper via phone and speaking with XXXX a customer service agent he stated that he believes it is a portion of the principal balance that was placed at the end of the loan. That was illogical because the principal balance was not reduced. One written explanation stated that it was a lender paid expenses. If that is credible and true then there is no reason that Mr. Cooper can not provide a detailed, itemized list with supporting documentation for that figure. I am requesting an itemized list of expenses that total the {$61000.00} including the expense, payee, account number and date if it is truly lender paid expenses. The {$61000.00} is part of the {$65000.00}. This is the 7th request for an explanation of the {$61000.00}.

4. I requested an amortization schedule from the beginning of the loan 2006. I have not received it.

5. The adjustments made to the account as a result of the XXXX down reversal all contain the same date, I feel, to make the transactions difficult to follow. The figures are comingled in some some cases. I am requesting an accounting that includes the original posting date and amount and the reposting.

6. Please provide a detailed accounting of the escrow account. I have received too many conflicting statements regarding as it relate to escrow. For example there is a large lumpsum deposit to escrow of {$15000.00} +. It is unclear the source. Please provide a detailed account of the escrow from XXXX.
Product: Credit reporting or other personal consumer reports

Lexington Law tried cancel account but they from no sure how far back cancelled debit card to stop charges
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 2 listing of the same account reporting on my credit reports for Western Funding Inc. I've contacted contacted company numerous times to have this issue resolved and get no solution. Both accounts show the same inaccurate information, a delinquent account for {$7700.00}. It's a duplicate account. 

XXXX XXXX XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX, NV XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX. I recently checked Experian, XXXX and XXXX credit reports and I found out billing errors that clearly violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error )
Product: Checking or savings account

They keep blocking my debit cards, all of a sudden when I try using my debit cards to pay for something they decline, and the bank does n't even send me a text or an email to make sure everything is okay, and I 'm force to use other sources of payment when I should be using my own money, when I talk to them on the phone they tell me they are protection my money, when what they are actually doing is leaving me stranded without access to my money. Have try to resolve the issue several times, but keep happening over and over again. 
( In they beginning told me it was because I was trying to use them out of state and should set an travel alert in their web site, but it happens even within my city )
Product: Checking or savings account

I have filed XXXX account/bill pay disputes with TDBank and they have all been denied. I am reaching out to you to enter into this claim. 
On XX/XX/22 I noticed XXXX checks that were debited my checking account. Both were addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX. XXXX check was for {$9600.00} and the other was for {$9400.00}. I immediately contacted TDBank in XXXX XXXX to notify them of the theft. My daughter, XXXX XXXX, who is a signatory to my accountant I went to the branch personally file a claim. It was during this visit TDBank XXXX my account for the loss of {$9600.00} that day.They put the {$9400.00} amount into dispute. We asked why the other amount was not placed back into the account and was told that the {$9600.00} was a courtesy, this was stated to us by the bank XXXX XXXX. 
We received a denial letter on XX/XX/XXXX. We again went to the branch ask why it was denied and they said that would refile the claim. On XX/XX/XXXX were received another denial letter. We have now been told that a XXXX claim was also denied, verbally. We believe that these XXXX claims should have been treated as XXXX claim due to the same fraud perpetrated by the same person. I am also of the belief that the bank is trying to discriminate against me because of my age of XXXX years. I have been truthful and forthright in all of my dealings with them and hope that your commission can get my {$9400.00} back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

The following incorrect information and changes on my credit report by TransUnion : 1 ) I noticed TransUnion reported that I was using {$9000.00} out of my {$10000.00} XXXX credit card which was incorrect, my actual credit card usage was under {$500.00}. This discrepancies downgraded my credit score. I reached out to TransUnion to inform them of the mistake, the representative would not provide a clear answer, I felt like he kept going in circles and talking fast in technical terms without ever trying to fix or solve the issue. 

XXXX ) A couple of days later they completely removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account from the report, which then decreased my score by XXXX points. I did not ask for them to remove the card and was never told why they removed it. 

3 ) Additional to the XXXX point decrease, TransUnion has chipped away at my credit score XXXX points within the past 2 months stating I missed a credit card payment on my XXXX XXXX XXXX even though I have been paying my credit bills for over 40 straight months.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, VA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - XXXX Listed below are the Collections that are being challenged Unknown - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed this account with Capital One Auto. This account was opened by an ex boyfriend of mine without my knowledge. I called and settled the account with capital one for {$5000.00} with a promise of it being removed from my credit report 30 days after the payment was made. It's been over a year and the account is still reporting on my credit. I have disputed this multiple times by mail and online with no action or response from capital one.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below. As a victim of a data breach, these unauthorized accounts have appeared on my credit report, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). Please see the details of the fraudulent accounts : XXXX XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/XXXX - Balance : {$0.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I reached out to Equifax as well as the Creditors individually listed on my credit report and I addressed the issue of going over my credit report and noticing some inquiries that were not authorized and that I would like to have them removed immediately. Equifax instructed me to reach out to the creditors and I informed them that I had did so prior to reaching out to Equifax and I was instructed each company could not give me any information regarding the inquiries. 

The items I am looking to get removed are as following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid the account in full before XX/XX/ 2019. The credit reports shows I owe them. This is NOT the first time. It has happened every time with this credit card company.
Product: Mortgage

My ex-husband and I closed on our house on XX/XX/XXXX, and have yet to receive the remainder of our escrow account from Caliber. They claim they sent one check out, but we never received it. We still haven't received our second check, even though they claim it's in the mail. I offered to send them a tracking label and envelope, and they wouldn't take it. In the meantime, they sent us a letter offering to refinance our mortgage with them. They clearly aren't sending us this money.