23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I had a secured credit card with usaa. I called and spoke to one of their representatives and asked if I could set up an automatic transfer from my savings to my credit card account to keep the account open, she said yes that would be acceptable. Once that payment date arrived the account had been closed out anyway. I attempted to speak to USAA about the issue and it took 3 phone calls to finally get to someone who was able to help. She was a member of the ceo relations team. She reviewed the phone calls and got back to me. She did acknowledge the fault lay with USAA and she would find a way to fix the issue. Over the next 2.5-3 months I didnt hear anything back. I attempted to contact her multiple times and was never able to get ahold of her. On one occasion I was on the phone for 45 minutes before someone could transfer me to the correct department. As they transferred me the call dropped and I never got a call back. I finally heard back from her last week and was told that they could reopen the card. I called yesterday and told her Id be able to open the account with a {$500.00} deposit, was told that wasnt a problem. She called back this morning and said first that they couldnt open the account with {$500.00} only {$300.00} since that was the line of credit originally. Later in this same phone call she said they werent willing to open the credit line with {$500.00}. It seems like they arent really trying to correct their mistake and dont want to do what seems appropriate to make the situation right.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$310.00} XX/XX/XXXXXXXX Balance : {$17000.00}XX/XX/XXXXXXXX Balance : {$310.00} XX/XX/XXXXXXXX Balance : {$17000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time contacting you about a IDENTITY THEFT issue that was not handled. 
I am a Victim of Identity Theft from XXXX XXXX XXXX. MY CLAIM NUMBER IS - XXXX. There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be, PERMANENTLY DELETED FROM MY CREDIT REPORT. 

My request to DELETE PERMANENTLY THE FRAUDULENT ITEMS FROM MY CREDIT REPORT is not being made in error ; nor is it being made on the basis of a material misrepresentation of fact by me relevant to the request to delete the identified transactions. The identified transactions are not information related to any transaction by me as the consumer they are : THESE ADDRESS ARE NOT MINES- XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX A copy of my disputes, the ADDRESSES AND FRAUDULENT ITEMS ARE screen shoted so theres no confusion about the accounts, addresses & companies that I am disputing. 

I DONT WORK AT EMPLOYER- XXXX XXXX XXXX XXXX XXXX XXXX I WORK AT XXXX XXXX XXXX DELETE THESE FRAUDULENT ACCOUNTS AND ADDRESSES XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXXXXXX XXXX {$290.00} XXXXXXXX XXXX XXXXXXXX, {$2900.00} XXXX HAVE BEEN TRYING TO DELETE THIS ADDRESS AND YOU ALL WONT LET ME DUE TO THEM BEING CONNECTED TO FRAUDULENT ACCOUNTS THAT WAS OPENED. *** MAKE SURE THAT MY CREDIT REPORT IS NOT **FROZEN OR LOCKED- NOR HAVE A FRAUD ALERT ON IT** PLEASE SEND ME A FULL DETAILED READING OF MY PERSONAL CREDIT REPORT SO I CAN KEEP AN I ON MY CREDIT. 

By law, Part of my Compensation approves, Four years of specially negotiated, three-bureau credit monitoring and identity protection services through Experian and an additional six years of one-bureau credit monitoring and identity protection services through XXXX XXXX The Experian monitoring has a comparable retail value of {$24.00} per month and has a number of features that are typically not available in free credit monitoring services offered to the public. ( App. 6, 33-43 ). The one-bureau credit monitoring shall be provided separately by XXXX and not paid for from the settlement. 
A copy of se

ction 605B of the Fair Credit Reporting Act, which requires you to DELETE the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC 1681 ( a ) ( 4 ), credit reporting agencies are required to ensure the maximum possible accuracy of the information they report. However, Transunion, XXXX, and XXXX have failed in their responsibility to fulfill this requirement. They have furnished information that does not reflect my actual credit behavior, which is not only erroneous but also damaging to my reputation and financial opportunities. 
As a consumer, I am entitled to fair and accurate credit reporting under federal law. I have diligently followed the proper procedures to dispute the inaccuracies, but the financial institution 's refusal to correct the errors and the consumer reporting agencies ' lack of thorough investigation have caused significant harm to my creditworthiness and overall financial standing. 
The inaccuracies present in my credit reports include : Outdated information : Some of the reported information is outdated, such as closed accounts being listed as active, which further hampers my creditworthiness assessment. 
Reporting of late payments that were never made : Several accounts on my credit report show late payments, but I can confirm that these instances are incorrect. I have always made timely payments and have records to substantiate this claim. 
I have diligently tried to resolve these issues by disputing the inaccurate information through the credit reporting agencies ' dispute processes. However, their responses have been unsatisfactory and merely result in re-verifications of the disputed information without proper investigation.
Product: Credit card or prepaid card

I called US Bank about their platinum credit card. At the end of our conversation I told the agent that I was not interested and that I needed to shop around more And that I might give them a call later on that week if I dont found a better offer. 
Today I am receiving an email saying that I have an account with them and that my card is on the way. I called them to cancel the account but a customer service told me that they were going to transfer me to the right person and then I was hang up on. 
I am worried that they will send a report to the credit bureau and therefore impact my credit score.
Product: Credit reporting or other personal consumer reports

We purchased a XXXX and their finance company they required us to use provided us a loan for 5.96 %. We have excellent credit ( XXXX- over XXXX ) and once we received the XXXX we went to have the loan refinanced. With research through XXXX and reviews on auto loan refinance, Rate Genius had favorable reviews and advertised 2.39 % auto loan refinance rates, so we applied with them yesterday. 

We received an email reporting that the contract was being written last evening. Received a text today asking me to speak with them. I asked them to email me the rate offer and they declined to provide that information to me in writing, requiring that I call them so they can record the call. I called them and the representative asked me what I was trying to achieve with my loan. Very odd question since they are an auto loan refinance intermediary. They informed me that my rate with XXXX XXXX for 5.96 % is a great rate and they couldn't get anything less. I asked why they would advertise 2.39 % for excellent credit and he had no response other than telling me that's the current market. I noted that I would never applied to Rate Genius if it wasn't for their false advertising and now they had run a hard inquiry on my credit causing damage to my credit rating. I informed them I would be filing a complaint and reporting them to the XXXX. Upon subsequent research with the XXXX, numerous complaints on this same issue have been filed by other customers related to false rate advertising.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review
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 confidentially under 15 USC 1681. 
Account # XXXX XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  15 U.S.C 1681 Section 602 A. states I have the right to privacy. 15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an 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 folloeining items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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

XXXX XXXX keeps telling me that they contacted XXXX XXXX XXXX XXXX to remove the information since XXXX of 2017 I have call them month after month and XXXX and Equifax have yet to remove the wrong information and when I got the letter from XXXX XXXX XXXX I disputed the letter within the 30 days by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from   XXXX   XXXX   around the end  of 2014 indicat ing I defaulted on a loan. I never applied for a loan. I immediately called   XXXX   XXXX   after receiving the letter and they told me the money was direct deposited into a checking account. It was n't my checking account. The agent then looked at the account information and the security questions were not answers or anybody I knew. Based on the answers it was somebody else that I knew. This person called   XXXX   XXXX   and with my permission paid/settled on the balance. I was told the negative reporting would be removed. I even received a letter in RR mail shortly after this other person made the payment.
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Now the item is showing on my credit report and opened for the full balance. I called   XXXX   XXXX    today and they told me to file a complaint with the FTC  .
Product: Credit card

About Citi AA Credit card. 
In their website, it is stated that Plus new cardmembers can earn up to {$100.00} in statement credits on eligible XXXX XXXX purchases in the first 12 months of account opening. See website : XXXX But I never got this XXXX credit back to my account. Today, I called citi. The agent played word game with me. He said that " new member '' is not a new member to citi AA credit card but CITI credit cards as a whole. If I applied any Citi credit card, I am not eligible for XXXX dollars credit back.
Product: Student loan

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Thank you for taking the time to read this letter. I recently pulled my credit report and found that US Department of Education reported a late payment regarding my account XXXX I am requesting that this late payment be assessed for accuracy. 
I believe this reporting is incorrect because I 've received payment summary for the last 5 years enclosed. I have included the documentation to prove that I made payments during this time / that my loans were in forbearance/deferment and did n't require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report. 
Thank You. XXXX XXXX Loan Account # XXXX Loan Account # XXXX Correspondence Address Sallie Mae XXXX. XXXX XXXX XXXX, XXXX XXXX Fax : XXXX
Product: Bank account or service

Shellpoint Mortgage Servicing. I made a bill payment for my mortgagethrough shellpoint schedule for XXXX XXXX, 2015 from my checkingaccount with XXXX XXXX. XXXX sent check # XXXX. The check was sentto Shellpoint new address at XXXX. XXXX XXXX XXXX XXXXapproximately 7-10 days before the posted date of XXXX XXXX, 2015. 
Shellpoint calling everyday stating I did not send payment ; which XXXX did. Shellpoint stated they are having issues with processing checkssent to this address. Prior to this month for over a year ; there was not anissue at the old address. Shellpoint states they will call for update ; the only thing they want me to do is sign up for automatic payment tostop this issue. As of XXXX XXXX, 2015 I had to stop payment for the checkXXXX issued. Made a payment on phone on XXXX XXXX, 2015. In themean time I made another 'Pay bill '' from my checking account for themortgage so the payment would be for XXXX XXXX for semptemberpayment. XXXX issued check # XXXX seven to ten days before the duedate of XXXX XXXX. As of today XXXX XXXX, 2015 ; payment has notbeen posted. three way call with XXXX and Shellpoint on XX/XX/2015 ; Shellpoint said they will keep checking my account to see if fundsare posted. They want me to make another XX/XX/XXXX payment or they '' push '' me to tell me that this would not be an issue if I sign up forautomatic payment through their system.
Product: Debt collection

On XX/XX/XXXX, I submitted a dispute to Experian to request their method of verification on how they were reporting a fraudulent collection account with a past due balance. I also mentioned in that dispute that they were in violation of 15 U.S. Code 1692g. 

On XX/XX/XXXX, I received a notification that Experian updated the collection account that I previously disputed 5 days prior, and they did not provide their method of verification as I requested. I submitted another dispute on this same day and stated, " If you verified this account as accurate, I need to see your method of verification on how you are reporting a collection with a past due balance. If you can not provide this, please delete immediately. '' On XX/XX/XXXX, I submitted another dispute on this day after receiving another notification from Experian stating that they updated the collection account that I previously disputed 6 days prior, and they still did not provide their method of verification as I requested for the 3rd time. In this complaint I stated, " I'm aware that you're being sued by the CFPB for sham/inaccurate investigations. Due to you not providing me with your method of verification after multiple requests, I will be filing a CFPB complaint. '' On XX/XX/XXXX, I received a notification from Experian stating that they updated the collection account. They have still not provided me with their method of verification to prove as to why they are reporting inaccurate things on my credit profile, which leads me to believe they aren't conducting proper investigations.
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer reports and noticed fraudulent activity. 
XXXX XXXX Account # : XXXX {$730.00} Date Opened : XXXX XXXX Account # : XXXX {$870.00} Date Opened : XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX {$740.00} Date Opened : XX/XX/XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account # XXXX XXXX {$870.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX I am writing to file a formal complaint regarding continuous harassment from the above list of creditors, demanding payment for debts I neither recognize nor authorized. I have no knowledge of these accounts. 

On XXXX XXXX2025, I filed a report with the Federal Trade Commission ( FTC ) under 16 CFR Part 660, specifically 16 CFR 660.2 ( Identity Theft Reporting ), regarding these unauthorized accounts and the misuse of my personal information. These creditors are contacting me concerning accounts I did not open and are sharing my personal information without my consent, in violation of my rights. This constitutes persistent harassment, which is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d ( Harassment or abuse ). Furthermore, the three major credit bureaus (

Equifax, Experian, and TransUnion ) are refusing to investigate and dispute these inaccuracies, a direct contradiction of their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( Procedure in case of disputed accuracy ). Under the FDCPA, specifically the provision prohibiting debt collectors from engaging in any conduct that harasses, oppresses, or abuses individuals in connection with debt collection ( 15 U.S.C. 1692d ), these actions are a clear violation of my rights. Furthermore, pursuant to 18 U.S.C. 1028 ( Fraud and related activity in connection with identification documents and information ), I do not owe any debt to these companies. They are also violating my right to privacy under 15 U.S.C. 1681b ( a ) ( 2 ) ( Permissible purposes of consumer reports ), as they have no permissible purpose to report or share any information regarding me. I demand an immediate investigation into these matters and request that these unauthorized accounts be removed from my credit reports and that the harassment cease immediately. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER EXPERIAN OR XXXX, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my credit report for equifax still shows an auto loan open and delinquent when the loan was paid off. Also, there were several late payments reported on this loan inaccurately. I have emails showing that the credit Union made several mistakes while mishandling my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone stole my identity by putting an apartment in my name and other resources. I did not agree to any of these items being placed are used with my information.
Product: Student loan

I've dealt with Navient XXXX XXXX XXXX many times starting from XX/XX/2019 to the current date ( XX/XX/2019 ). Anytime I make an additional payment they somehow administratively XXXX up the payment to be disbursed to the wrong loan. 

The loan is a Consolidated Subsidized and Unsubsidized Loan. They have a system set up on their website to allocate funds to a specific loan ( i.e. highest current balance, highest current interest ratel, or prorate across selected loans etc. ). I want to pay my loans off as fast as possible, so I have chosen to submit additional payments to the the Consolidated Subsidized loan, which has the least amount of principal left. 

Anytime I make an additional payment, I have to call them and correct their mistake because they will always split the additional payment between the Subsidized and Unsubsidized Consolidated loan. After calling them and having the additional payment made to the Subsized Loan, they automatically prorate the next payment, so my automatic payment isn't being distributed the way I want as well. I spoke to them on the phone and requested they not do that, but do it every time. 

It seems their website has a system in place to help the user, but their system isn't functioning properly when you choose what you want. 

Also, it seems silly that I need to take time out of my day consistently to make sure they are applying my additional payments to a loan I have specified to them numerous times. 

My additional payments are {$100.00}, and my automatic payment is {$290.00} and it comes out every month on the XXXX. 

I thought it would be fair for me to put in an official complaint so they understand my frustration.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX  Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX Transunion and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX XXXX XXXX XXXX. Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am having big problems with = Experian. com, on = Fraud & Thefts, Embezzlements, to my Credit Reports from them, a criminal group have been, racketeering off me? plus I have a, DA victims crime bureau case, just got ta fill out, Docs, plus got a Investigation Board in my Room, on this Group, I, m ex law enforcement,. 

The, Experian, Co, said I had = over = 26 Accounts of Fraud & Theft, done by, loans, advances, lines of credit, credit cards, purchases on files, I Got police Case on Experian, XXXX, XXXX, Clarity, I would like your Co, to get these All Legal Accounts, of fraud & Theft, and I give you permission, to collect my Financial Losses, from Every one Accounts please, By Laws & Regulation codes, penals, my = Bank Statements I have = they will be submitted today seperatly for all credit co, s on file and totals ok, any problems email me or call? my reasons why I do n't call or ask them, I, m sure there playing games here with my owed losses of acc, its a big mess = I got fraud & theft in almost every subjects by
Product: Credit reporting or other personal consumer reports

Experian did not remove the accounts from my credit report