23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XXXX, XX/XX/XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX, XXXXXX/XX/XXXXXXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, XXXX,XX/XX/XXXX add a hard inquiry on my credit reports.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$990.00} XXXX XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, IL XXXX XX/XX/year> USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Ongoing Violations of 15 U.S.C. 1666 and 1666a Failure to Address Billing Errors and Reporting Violations To Whom It May Concern : I am writing to formally address USAAs repeated failure to respond to my concerns regarding a consumer credit transaction, which has been the subject of eight ( 8 ) complaints filed with the Consumer Financial Protection Bureau ( CFPB ), dating back to XX/XX/year>. 

USAA is in clear violation of 15 U.S.C. 1666 ( Correction of Billing Errors ). Despite my expressed concerns, supporting documentation, and proven issues, USAA has taken no action to correct the billing discrepancies. Moreover, USAA has failed to provide any clarification or explanation regarding these errors or the institutions apparent refusal to comply with federal consumer protection laws. 

As I have stated over ten times through CFPB complaints, USAA has received ample notice regarding this matter. Despite this, USAA has continued to intentionally report adverse information directly and indirectly concerning my credit rating and standing. This action places USAA in further violation of 15 U.S.C. 1666a ( Regulation of Credit Reports ). 

Furthermore, I question whether my consumer credit transaction has been classified as a charge-off. USAA has closed my account and zeroed out my balance internally, as reflected in my USAA online portal. However, USAA has failed to clarify the status of this transaction, which raises further concerns about the accuracy of the information being reported to credit agencies. 

In accordance with federal law and my rights as a consumer, I am requesting the following detailed payment history regarding this account : 1. The first delinquent payment date.

2. The first missed payment date.

3. Specific details regarding 30, 60, and 90-day late payments, including dates for each payment that was late or missed.

4. Confirmation as to whether this account has been reported or classified as a charge-off. 

I expect this information to be provided promptly and in writing. Additionally, I request that USAA immediately take the following corrective actions : Investigate and resolve the billing errors in compliance with 15 U.S.C. 1666.

Cease all adverse credit reporting related to this matter.

Provide written confirmation of any updates or corrections made to my account and credit reporting status.

Failure to comply with these requests may result in further legal action to enforce my rights under federal law. 

Please provide the requested information and a written response within 30 days of receipt of this letter. If you require any further documentation, I can be reached using the contact information provided above. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I recently received a letter from XXXX about the loan that I got into with them and their error on the loan amount or the interest rate I would like someone to further check into it because theyre saying that they made a mistake and that its not gon na make a difference to my payment but essentially Ive been paying the wrong amount since XXXX so it seems to me that there would be a credit to my account if in fact I was paying the wrong amount and it should have been less and now its been corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has shown consistently late payments on student loans that were closed about a year ago. XXXX says they are not reporting them to Experian, Experian says XXXX is reporting this to them. Have contacted both more than once in the last 6 months, both by email and phone.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a charge account opened at XXXX on XX/XX/XXXXXXXX  under the account number XXXX  and an auto loan account opened at XXXX opened on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Money transfer, virtual currency, or money service

I was online looking for different ways to make money and on apps asking for gigs. I kept getting scammers in my account for me to sell feet pictures and for online sugar daddies. Well one person was calm and understanding of my situation. They didnt ask me to do anything illegal and basically stated they just wanted to help and didnt live anywhere near me. I work fulltime in Law Enforcement, but my vehicle kept breaking down, my bank account was overdrawn, my apartment was giving me a hard time and job stress so I was desperate. So I entertained this person and ended up giving my account number, routing number, first and last name. I probably gave my city as well. But then he asked for my login and I joked a bit before I blocked him thinking he couldnt do anything to me. 

I played with fire out of desperation. I thought I could outsmart one because so many were messaging me. But I didnt realize how much I didnt know about scammers. 

I got a message like a week later saying my bank account was XXXX. I freaked out but thought I could just go to Huntington and have them cancel the payment. I went to the branch and didnt receive much help. Found out someone walked into a branch somewhere in the US and deposited the fake check in my account. So it bounced and now my account is being investigated for fraud and I lost any money I had. I also have no access to my account. 

I dont understand how someone was able to deposit such a large check with the wrong address and large amount when the bank account never had more than XXXX. 
I finally found pieces of information but the account is gone of course and the person doesnt exist. 

No information should be given to anyone. But now I have no way to do my banking and have to change everything, let alone worry about other things they have access too. 

The bank said there was nothing else that could be done and it would be 90 days of a frozen account. 
And no solutions or real help was offered. 

My account is now at {$1.00}
Product: Money transfer, virtual currency, or money service

I have a grievance against Bank of America ( BoA ) and XXXX.

The Consumer Financial Protection Bureau ( CFPB ) is an entity of the U.S. Government charged with making consumer financial markets work for consumers, responsible providers, and the economy as a whole. Your mandates include rooting out unfair, deceptive, or abusive acts or practices, taking consumer complaints, and monitoring financial markets for new risks to consumers.

Bank of America and XXXX have both begun to target innocent Americans, organizations, and businesses simply because they choose to exercise their Constitutional rights. This is immediately evident in their most recent attacks against the XXXX for advocating 2nd Amendment rights and they have publicly stated this to be true. Why does BoA and XXXX  have the right to deny businesses or individuals the right to banking services because they believe in or support the 2nd Amendment or because they own personal firearms? As a government agency do you not protect me and such others? Large banks like BoA and XXXX receive government benefits and support. Why do they get this if they are attacking our Constitutional rights?

Every American uses banking services in the modern economy. Law-abiding gun owners have legitimate concerns about possible collusion and collective efforts between banks and/or banks and advocacy groups aimed at denying them services simply for exercising their rights under the U.S. Constitution and laws. These efforts also can create a hostile and chilling climate for the exercise of Second Amendment rights, particularly for those hoping to obtain financing for such things as home and auto purchases or running a small business. Once financial institutions take it upon themselves to set social policy that exceeds the requirements of the law, its impossible to know where they will stop or what other indicators of disfavored activity might become relevant to them. What happens when they next decide to deny services based on 1st Amendment rights? They deny services to people and organizations based on their religious beliefs or they deny services to media outlets based upon what views they have? It is all the same thing ... denial of service based on discrimination and in violation to the US Constitution.

No American or business should be targeted as a scapegoat for someone elses crimes. No American should be targeted based on their exercise of Constitutional rights. I and my entire family have chosen to close all accounts with these banks, but that is not enough. These type of large institutions can not be allowed to attack people.

Please end this egregious overstep and punish BoA and XXXX for their despicable actions and attacks against innocent Americans.
Product: Debt collection

See at the hospital and my medical insurance was not submitted. The credit collector put the information on my credit instead. I called to as how do I have my insurance company pay for the medical debit but they couldn't refer me to the department to get the matter resolved. 
They have sold my medical information to other companies and it just keeps showing up on my credit under different company names but they won't provide me with the information to have the matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today is XX/XX/2023. I have been trying for over a year to get TransUnion to fix their website so that I can see my Credit Freeze Status, and they have only been able to provide an acknowledgement that the system is, in fact, broken while also only providing false promises that it will be fixed. The usual commitment is 2-5 business days. So far, it is still not fixed after close to two years. 

After countless phone calls, transferred calls, and online chats, their system is still broken and they refuse to help me. I should be able go online and see my Credit Freeze Status, but I have to call and wait, most of the time for up to an hour, just to talk with someone. Once I get someone on the phone, I am able to get my freeze status after about 15 mins of verification activity, but my account is still broken after each call. 

In every call I ask for help with my online account, but I am only transferred around until someone finally makes a false promise that never comes to pass. 

They don't have anyone in Web Services Support to help. They provide a number to call, but again, there is no one to help me. They don't even have an email address that I can use to lodge my complaint and ask for help. 

I have had four different TU tech support people tell me that they see an error code ( 320 ) which is blocking my account from showing the correct information. So far, even though I have been transferred multiple times, I can never get to the people that can actually clear the code.

Since TransUnion is one of the three credit agencies that I MUST use, I believe that they should be required to fix THEIR issues. If I had a choice, I WOULD NOT USE TransUnion, but as we all know, I don't have a choice. None of us do. 

Details : When I click on the icon on their website landing page titled " Credit Freeze '' I am directed to an error page that states : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. Our support hours are Monday - Friday XXXX XXXX XXXX XXXX XXXX. and Saturday - Sunday XXXX XXXX XXXX XXXX XXXX. Eastern Time. '' The chat or call recommendation has been used many, many times, but still no resolution for a TU known issue.
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 15 USC 1681. Account name : # XXXX, Account name : # XXXX, Account name : # XXXX Account name : # 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: Mortgage

PennyMac started out by taking months longer to close my loan than promised. 

Now they finished by failing to send an escrow refund in the XXXX days required by law. They claim to have sent the refund, but its been over the XXXX mailing days that is reasonable to receive a refund check ( and theyve ironically sent several other documents that dont cost them money ), but were sitting at XXXX days past closing and the escrow refund is nowhere to be found, while I have to move and need my money. 

Absolutely horrible, dishonest company.
Product: Payday loan, title loan, or personal loan

I received an email from a scammer claiming to be Lendingtree saying I was approved for a loan. I called the number in the email ( XXXX ) as instructed to do so. They started verifying my personal information aloud such as my social and account number then they started asking me for my online login and debit card number which of course I did not give to them. They said they needed it for them to deposit money and for me to send it back in order to have the loan funded.
Product: Money transfer, virtual currency, or money service

XXXX <XXXX> To : XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX - Here 's your receipt. 


Thanks for paying with PayPal To see the payment details, log in to your PayPal account. 

Payment from : XXXX XXXX XXXX XXXX Payment to : XXXX  XXXX  XXXX XXXX Note to payment recipient : You haven't included a note. 

Transaction ID : XXXX Date : XX/XX/2019 Payment Status : COMPLETED Description Unit Price Quantity Amount WP Video Machine - Multi Site License {$29.00} USD 1 {$29.00} USD Tax amount Total {$29.00} USD Payment to recipient {$29.00} USD This transaction will appear on your statement as PAYPAL *XXXX  XXXX Transaction Summary : Total Amount of this transaction : {$29.00} USD ; Payment method : XXXX x- XXXX Payment to recipient {$29.00} USD Amount you'll pay {$29.00} USD Help Center | Resolution Center | Security Center Please don't reply to this email. To get in touch with us, click Help & Contact. 

PayPal Customer Service can be reached at XXXX Copyright 1999-2019 PayPal , Inc. All rights reserved. PayPal is located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Paypal REFUSED To Give me Refund Companys sends out Zip files they are lock cant open.I even download XXXX  XXXX to open.It gave virus in my computer i had restore my laptop to back in date to get it to uninstall so my coputer would work.Now if the company was smart PDF file works perfect for me but i didnot have choice.I want refund asap! Thank
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXX, account holder ( " Owner '' ) paid off the balance of their Capital One Visa card. Owner and one relative were card holders ; both parties cut their cards in half in XX/XX/2022 and they did not add new charges to their cards after the final payments. Owner overpaid CapOne by about {$24.00} because he did a debt consolidation loan, but with the timing of the loan, he decided to also do the minimum payment required by CapOne in that billing cycle. That is the origin of the {$24.00} overpayment. After confirming the payoff amounts appeared on the XXXX statement, on XX/XX/2022, Owner phoned CapOne to inform them he wished to close the account, and he requested the {$24.00} refund. CapOne refused, citing " security issues. '' Owner asked, " what security issues, you have no issues deducting funds from my checking account for your payments, just send me a credit back to the same account you are paid from. '' CapOne staff refused, would not explain " security issues '' further, and instead, insisted that Owner provide photo ID and fax it to some phone number. However, Owner was not satisfied with the security arrangements for this request and refused, mostly with concerns about identity theft, since the background noise of the CapOne representative did not sound like a professional environment. Owner also told CapOne rep he refused responsibility for any charges after the XXXX pay off. A few weeks later in XXXX, after receiving the CapOne XXXX billing statement, which still showed a credit balance, Owner wrote a letter to CapOne directing them to close the account. As of XX/XX/2022, CapOne has still not closed the account, continues to send monthly statements, but the most recent statement appears to have zeroed out the credit balance due to Owner. Owner wants the account closed ASAP and refuses responsibility for any charges after the XX/XX/2022 pay off.
Product: Checking or savings account

My Sofi account has been placed on restriction due to a recent direct deposit and customer service has not given me any time frame on the details of how long this restriction could take to be lifted.
Product: Payday loan

have had a company calling me saying I owe a debit. I am not aware of a debit to them. I have asked for proof of it being my debit, as I have had identity stolen and had numerous accounts and loans taken out in my name. And they refuse to prove to me that it is my debit.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX  : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX NC XXXX XXXX XXXX  XXXX Balance : {$19000.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX XXXX XXXX OF XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX According XXXXo FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX, XXXXXXXX XXXX; XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX.