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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Representatives from XXXX XXXX, such as XXXX have started calling my friends, and pretended to want to give me a job, to get my friends to give me their personal information. They then disclosed I had a debt and I needed to call them. 
I called them and requested this stop. The rep that answered the phone pretended to be a lawyer. 
They have also reached out to my employment to gain personal information about me, such as pretending I was applying for a new loan and they needed to verify my information. 
Further, they have repeatedly called me numerous times a day, leaving messages concerning the debt, though they have been told I have a debt relief company helping me pay all debt and I gave them the phone number. I asked if they would give me the loan information and they refused. 
I have several voicemails, including voicemails from friends when they called them pretending to be offering me a job. Attached is XXXX such voicemail XXXX left with XXXX of my friends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my Transunion account for over a year. I have been trying for over a year to get someone to help me. Getting through to a person on their customer service is really hard. When I get someone on the line, they say it is fine, but I am not able to get in. I've tried so many things, speaking to different customer support agents, over and over, and it's the same thing ... hours on the phone, hours dealing with being transferred, and no access. 

I can't get anyone to help me from Transunion and the situation has become really insane. 

I should be able to access my account and see my information online. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached XXXX of screens as I attempted to access my dispute XXXX. I filled in the requested information. Then it asks four bogus trick questions ; all of which are " none of the above '' answers. They deny access based on non-existent accounts. This is illegal. If any of those questions are actual, then fraud has been perpetrated. I will go to court with the printscreens to - through discovery - require the questions ' source documents upon which this is based. I filed many CFPB complaints to correct first get my free XXXX report to make corrections. This trick question stuff is unfair and blocks legitimate users from their own accounts. I want all information removed from my reports since none of these questions is valid. Moreover, with a blank credit report, there should be zero problem answering questions since " none of the above '' will always be the correct answer, regardless. As of now I want this credit report mailed to my address and I want all bogus questions removed as well. I want to be able to go online and access XXXX results without a hassle. Question 1 : installment account? No such account. 2. Payment on # 1? No payment is made on a non-existent account. 3. Student loan? No named companies apply. 4. Mortgage XXXX XXXX? No such mortgage exists. many other questions were pur on other attempts to obtain my disputed file. None apply to me.
Product: Credit card or prepaid card

I received the prepaid gift card as a gift in XX/XX/2022. It was sealed in its original packaging and I did not attempt to use it until XX/XX/2022, when I tried to purchase a pair of shoes online from XXXX. The card was declined so I checked the www.mybalancenow.com website and learned that the balance on the card was {$0.00} and that the full {$200.00} value had been charged to an XXXX purchase in XX/XX/2022. The XXXX purchase in XX/XX/2022 was not authorized, was not made my me, and I never gave anyone the card or card number. I did not know the number myself until I opened the package it came in for the first time on XX/XX/XXXX. I called your customer service line and began this claim immediately after learning about the fraudulent, unauthorized transaction for the first time on XX/XX/2022. 

Everything about the reporting and resolution process seems like a fraud and designed not to address the problem/loss. They are slow, do not respond for days or weeks, and the timeline for every step has been delay after delay. I thought I had initiated a claim over the phone but then learned I must submit a form. It took almost two weeks to get the form. I submitted the form on XX/XX/2022, and have asked for periodic updates and they rarely respond. I finally got an email saying a replacement card had been sent and would arrive by XX/XX/2022, but it has never arrived. I tried to follow up on the status and they have not responded. I need help getting this finally resolved after four months of trying.
Product: Credit reporting, credit repair services, 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 & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$5800.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XX/XX/XXXX.
Product: Checking or savings account

My dad does his banking with USAA. He is a XXXX era veteran and is not tech savvy. He likes to use the voice line service to hear account balances and check transactions. He was able to use this service up until XX/XX/XXXX. 

I help him with his online banking. I logged in and tried to enable the Quick Access for Voiceline, and was unsuccessful. 

My dad is in another state, so I initiated a 3 way call to USAA to try to fix the problem. 
Call was placed on XX/XX/XXXX and we spoke with XXXX - who authenticated my dad and got his permission to talk to me, and have me on the call. XXXX tried his best to help, but kept hitting road blocks. XXXX called the " security team '' and told us due to a fraud flag being on the account, my dad couldn't use the Quick Access for Voiceline. My dad asked why is the fraud flag there, and what can be done to remove it. After some checking, we were told an ACH charge was disputed in XXXX for {$24.00}, and that's why the account was figged. 

My dad wanted to talk to a supervisor or the security team and was told there was nothing that can be done. XXXX eventually transferred us to a senior representative named XXXX. XXXX tried to help, but wasn't sure why my dad couldn't use the Quick Access Voiceline, and explained she'd have to call the security team. 

By this point we have been on the call with USAA for over an hour. My parents are currently residing with my sister and her husband in another state. My brother in law had tried to help before my dad called me, and was unsuccessful after 30+ minutes on the phone with USAA . We have now spent over 90 minutes with no success, resolution, or answers.

My dad was so frustrated and stated he wants to remove funds from USAA. Although this can be done, it will take time since his military retirement and both parents ' SS checks are direct deposited into USAA. 

No one could explain why my dad was was able to call in and enter a 4 digit pin prior to XX/XX/XXXX and obtain his balances, but now it couldn't be enabled. 

My dad just called me today, XX/XX/XXXX and said he is blocked from checking his account online - with the help of my sister and brother in law. When they try to log in they get this message : For security reasons, your access to usaa.com is currently restricted. Call XXXX ( XXXX XXXX for assistance ( XXXX ) I called USAA again today, and asked if there was a department that handled customer complaints because we had been told there was nothing that could be done. I was told if we had asked to speak to the president of USAA, they would've routed us. I told him that we did not know the process or were told if we wanted to speak to the president of USAA. 

My dad is frustrated and feels like he's being harassed when all he wants is to call and get his account balances, like he's been able to do in the past.
Product: Credit reporting or other personal consumer reports

I have disputed the same accounts many times to request to be removed cause I don't have access to them or don't use the accounts anymore and nothing is removed or deleted except for they change dates on them or up date the accounts to remain them to stay on longer they don't not do their. Jobs right except for changing dates or inaccurate info they put on the accounts I want the accounts I don't use to be removed
Product: Checking or savings account

I tried to open a checking account at hsbc bank in XXXX on XXXX XXXX in XXXX XXXX and they would not open a account for me I do not no why
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX, to XX/XX/XXXX, with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling my request should result in immediate removal of the unauthorized items listed below : XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has verified a fraudulent account without providing me an " Investigative Consumer Report '' under 15 USC 1681ae for XXXX XXXX. It must be provided from the CRA 's on the information I have disputed. Experian customer service says " that only the creditor is supposed to provide me the information in order to determine the accuracy of my report which goes against federal law. Another thing Experian also deny my right to dispute incomplete/ inaccurate information on the consumer report which violates FCRA XXXX They're online system won't even allow me to dispute. You have to call in & if a lender is link to an account, they're representatives will refuse to dispute. 

As a consumer, do we have to put together a class action lawsuit for Experian to update they're XXXX XXXX system which violates consumer rights under FCRA? They're absolutely no legislation that claims " if a creditor is link to any personal information, you must contact the creditor first even though that creditor is fraudulent in the first place & some creditors do not engage in DIRECT DISPUTES.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 bureaus consumer report and I noticed some inaccurate information posted on my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Product: Mortgage

I was charged a {$25.00} NSF fee to my account by Specialized Loan Servicing. I have tried contacting the company via chat, telephone, email, and secure message through my online dashboard. No one would help and said NSF fees are beyond their control. Maybe this issue needs to be taken up with the payment vendor ACI instead. I have not missed a payment or ever not had funds to cover my payments. In fact, I tried to make principal payments ahead of schedule, and SLS could not even get those applied correctly despite using their online form specifying exactly where and how to apply the payments. 
It was a payment scheduled for XX/XX/ that supposedly was NSF. However, I provided SLS my bank statement showing the payment cleared. Not only did it clear, but there was still money in the account after the payment posted that would have even covered another additional payment. I also provided the payment transaction history ACI showed, and was able to reconcile each payment that cleared my account to all the scheduled payments ACI listed. Again, I don't know how it was NSF if every payment has cleared. There was obviously funds in the account. I received an email saying it was reviewed and to log into my account for further details. I can not find anywhere in the SLS dashboard providing a response, explanation, etc and the fee still remains on my account. I have followed up several times again by email and have not received a response.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US C
ode 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report again, I discovered that some of the accounts were erroneous. The 3 credit bureaus must validate these accounts : XXXX XXXX Balance : {$800.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$470.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$620000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1800.00}
Product: Credit card or prepaid card

My identity was stolen a while back. I did not know. My info has been used 33 times in the dark web. They took over my XXXX and I'm constantly being hacked in my bank account. This is not my card this is a fraudulent account made by someone else in my name.
Product: Credit reporting or other personal consumer reports

My wife XXXX XXXX and I XXXX XXXX have been paying our XXXX XXXX loans with Chase Auto Finance late XXXX days late but never 30 or more days late. All of a sudden Chase decided to report this specific payment as 30 or more days late when in fact it was not 30 or more days late. It was paid on the 29th day. We have disputed this to the credit bureaus twice once on XX/XX/XXXX and once again on XX/XX/XXXX but it has come back as updated and accurate but its not accurate. I have also contacted Chase Executive office and after 1 day of investigation they called me back to tell me that it was accurately reported. When it fact it was not accurately reported and they have told me theres nothing they can do to help me. Also, my brother XXXX XXXX has never been 30 days late on his chase sapphire preferred card. It was paid on the XXXX of XXXX and it was reported accurately. It was paid again on XX/XX/XXXX and Chase came back and flagged it as 30 or more days late when in fact it was not 30 or more days late because he paid it on the exact day on the previous month. I have no idea what is going on lately with Chases reporting but its not accurate. They have been reporting to the credit bureaus on different days every month lately as well which could possibly be causing the mishaps. My wife & I 's car payments are paid over the phone so there is no email sent to confirm the payment date. But we pay it every month on the same date which is usually the last day of the month so that its not 30 or more days late. We have all worked so hard to keep our credit good regardless of our current financial circumstances and were being penalized right now with this inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised I'm a victim of identity fraud. Please remove these inquiries from my credit report. 

XXXX, VA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phone Phone number not available Inquiry Type Individual XXXX XXXXXXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXX XXXX via XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX  OH XXXX Phone ( XXXX ) XXXX Inquiry Type Individual XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting, credit repair services, or other personal consumer reports

Been sending letters to the respective agencies but I never got any response about it. I felt I am being ignored and taken advantage. This isn't fair!
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. Cilde 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.
Product: Student loan

I have requested a refund of all payments made during the COVID-19 pandemic forbearance. Thus far, I have received a small portion of payments made. 
I have multiple attempts to contact XXXX and FedLoan Servicing regarding this. I am unable to get ahold of anyone my telephone and have received no response through the web messenger. 
The only response I have received is that FedLoan servicing has to process the request as my account was transferred from them. When I contact XXXX, they say to contact XXXX. 
I suspect that some loan information may not have transferred to XXXX. 
I am again requesting a full refund of all payments made to both XXXX and FedLoan Servicing during the COVID-19 pandemic forbearance.
Product: Checking or savings account

Not receive government stimulus payments accord nor disburse into accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureau 's are reporting inaccuracy and not giving fairness. 

They will not updated my billing address, they still have a inaccurate address of XXXX XXXX XXXX XXXX VA XXXX it been 30 days now and still nothing begin updated I notice it's been 30 days still no proof given. Regarding a dispute for XXXX XXXX XXXX XXXX sent me email back showing Proof of someone else name. They Have not showed any proof with my name listed giving me proof of inaccuracy I want to report they have damaged my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account XXXX This account was charged off on XX/XX/year>. Since then the account has repeatedly updated as charged off every month. This is an update in the payment history. A charge off account should not include inactive payment history. This inaccurate information falsely manipulates the statue of limitations. You failed to investigate this properly after I asked to have this removed TWICE. This neglect has violated my rights. I am demanding DELETION of this account : XXXX XXXX account number XXXX Their are different account balance amounts, different account open dates, repeatedly reporting charges and inaccurate dates of last payment.