23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my XXXX  report there's a questionable collection notice from XXXX for XXXX and I haven't had anything to do with them in over 10 years but on the collection notice it states that I opened an account XXXX of 2017 which is not true. I disputed it on XXXX  and immediately resolved. But XXXX  their system will not let me do the same because it's always down. 
So this is my situation.
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$0.00} XXXX  XXXX Balance : {$2100.00}
Product: Debt collection

The company failed to provide me with a notice to request verification of debt or right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX Bureaus was XX/XX/2022, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX, XXXX, XXXX  ; XXXX XXXX XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00}.
Product: Checking or savings account

I am writing to file a formal complaint against USAA Federal Savings Bank for its failure to respond in a timely and appropriate manner regarding a fraudulent transaction dispute I submitted over 90 days ago. 

On XX/XX/XXXX, I reported a fraudulent charge of {$290.00} made by XXXX XXXX XXXX XXXX to my USAA account. I did not authorize this transaction and immediately took the appropriate steps to dispute the charge with USAA. Despite following the required procedures and submitting all necessary documentation to support my claim, I have not received any meaningful update, resolution, or reimbursement from USAA. 

It has now been over 90 days since I filed the dispute, which is well beyond the timeframe mandated by federal regulations under the Electronic Fund Transfer Act ( Regulation E ). USAAs inaction has caused me undue financial hardship and stress, as I am without the {$290.00} that rightfully should be in my account. 

I have attempted to follow up with USAA multiple times to no avail. Their lack of communication and delay in addressing a straightforward case of fraud is unacceptable and a clear violation of consumer protection standards. I sent in documentation proving this fraudulent activity on XX/XX/XXXX, and it is now XXXX. 

I am requesting the Consumer Financial Protection Bureau investigate this matter and ensure USAA is held accountable for its failure to respond in a timely manner, and that I receive reimbursement for the fraudulent charge, along with any additional relief deemed appropriate. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me, I have contacted my police department and they have advised me that I file this report, the accounts in question are as follows : XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX ) XXXX XXXX  XXXX {$1400.00} XX/XX/XXXX I have included my license and social, please verify any account that does not have my name and remove.
Product: Credit reporting or other personal consumer reports

I am sure yo u are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 
As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves. 

ACCOUNT : XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a Victim of fraud, my identity was exposed on the XXXX XXXX, from the Experian XXXX data breach and the XXXX data breach. I demand this account be deleted immediately and blocked from ever reporting on my credit report. The law prohibits any fraudulent accounts from being reported on my credit report. This has defamed my character and dropped my credit report by over 100 points. I demand immediate removal failure do so will result in XXXX  per violation escalation to CFPB, FTC, and FDCPA. I demand all accounts listed to be removed and blocked from any future reporting.
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 XXXX : Account XXXX Account Name : XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX Account Name : XXXX. XXXX XXXX : Account XXXX Account Name : XXXX : Account XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency 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 has failed to remove the account ( XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXXDate opened XX/XX/2022 Amount : {$260.00} from my credit report. They have failed to prove I am the owner of this debt and have failed to provide their investigation process on how they came to this conclusion. I don't believe this matter is being legally investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigated. I do not agree. This information cant be accurate if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. These issues have had a negative impact to my file which is a violation. This shows grounds for removal they also have violated my rights under : 15U.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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Debt collection

This debt appeared on my credit report claiming I owe {$260.00}. I contacted this company letting them know this is not my account or debt and that its a family members. They totally ignored this fact that this wasnt mine and continually tried to get money from me. I disputed this transaction as well. They then again informed the credit company this was accurate. This is fraudulent action thats caused me a XXXX point reduction in my credit score.
Product: Checking or savings account

I didn't have my phone it was stolen now XXXX is keep denying my claim when I have two police report collaborators my story XXXX XXXX is not doing a good job! 


I didn't have my phone I had to get a whole new one! When fraudulent transactions happened I called XXXX and all they say is change the card number that's all! I always called them these are not mines!
Product: Credit reporting, credit repair services, or other personal consumer reports

Both my husband and I applied for the {$120.00} Equifax offered for their breach, after they said we qualified for it, and now simply because too many people applied for what they offered us, now they say it will much less than {$120.00}. This is unacceptable because they are supposed to be compensating US for THEIR breach, so it should not matter how many people apply. They should be forced to live up to their original offer of {$120.00} each. The CFPB should not allow the amount to be lowered simply because they hurt more people than they thought they did!!! Also, why are we waiting many months for this compensation??? Give it to us now!!!
Product: Money transfer, virtual currency, or money service

i called wells fargo today and was told the case specialist closed the case saying there is no claim.. saying they contacted me in XXXX. which they did not. every word they have said is a lie. i am one of many who have been ripped off by the bank. 
the court filed a claim for me. then asked them to contact me .. they are refusing to honor the courts request.. 
i can only wait for the letter and send you a copy.. from what i was told today it said i did not do what they asked in XXXX. that i am to show proof that i represent my mother when the cashiers check was written to me.. not to her.. 
i gave you all the info... I am aware of the fact that the state dept was going to put me in XXXX for XXXXXXXX XXXX. and XXXX which i did not do. i am very grateful that they clearned my name of any wrong doing. 
i have no recourse but to complain to you. 
thank you for your time please do something for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violaitons on the reports
Product: Credit reporting or other personal consumer reports

There are accounts and information on my credit report that is not accurate. 
They are unauthorized and show be removed from my credit report immediately. 

XXXX XXXX XXXX  opened XXXX  2024 balance {$240.00}. This account was opened without my knowledge and should be removed. 

XXXX  XXXX inquiry on XXXX XXXX 2024. This inquiry was done without my consent please remove from my credit report.
Product: Mortgage

I have been trying to resolve this issue since 2019 until present. I fell behind due to my medical condition as well as my husbands. I underwent several XXXX and I wasn't able to work for awhile which caused us to fall behind on our mortgage. I have been working with a company for no charge and they have been trying to get me a modification and we keep getting denied. We submitted and appeal and that was also denied. I wanted the opportunity to start over. We now realize that we have done everything we could to keep our home but we realize that we need to sell. But in order to do so we need PHH to stop the auction and allow me to sale my home through as short sale as i do not want to lose my home to foreclosure.
Product: Vehicle loan or lease

XXXX XXXX XXXX Birthday XX/XX/XXXX Ally Bank ( car loan ) XXXX XXXX XXXX, XXXX, MarylandXXXX  ( address that's on account ) Phone XXXX Now I can't get in my account with Ally Bank and I tried for a few days so I can get a few statements How do I sue Ally Bank for reporting inaccurate information that hurted me and prevented me from attaing credit and a loan. 

Reinvestigate the completeness of every piece of information that's associated with this account. If the information isn't accurate, I asked that your bureau remove this from my credit report. The payment history, balances, past due payments doesn't make sense. 

Ally Bank said I owed XXXX with no payments due and now Ally Bank emailed a statement stating I owe XXXX as of today. Which is still incorrect I want all negative information removed from my report from Ally Bank please. Ally Bank decreased the late payments, which is still incorrect. Which means past due payment are still incorrect and dates that Ally Bank reported on report is still incorrect. My balances are incorrect, past due amount, missed payments are incorrect. My whole account is inaccurate just about. When you call they never allow you to talk to a supervisor so your problem can be addressed. This inaccurate information has prevent from recent loans. I want all negative reported information removed past due payments, incorrect balances, and missed payments removed. I had a Electric warrty on my car loan for XXXX and I canceled the warrty but never received a refund. Look at my payment history in the past, payments history is great. From Ally Bank incorrect information is preventing me from credit cards and loans. 
Reported incorrect information such as balances, past due payments, when payment was paid, and how much is my car payment all this information is incorrect. The week of I XX/XX/XXXX, Ally Bank said I owed XXXX and some cents and now today they say I owe on XX/XX/XXXX Ally Bank say I owe XXXX, which is still incorrect. This Car has been paid off. These fees are false. I am providing statements and credit reports so you can see the inaccurate of information that has been reported. I had a Electric warrty on my vehicle which total XXXX and I canceled the warrty and I was never refunded the XXXX. Most of the information in this account is inaccurate that's been reported to the credit bureau. Ally Bank Car Loan # XXXX Report On XXXX XXXX XXXX it states I paid XXXX and then it states I am XXXX dollars past due. The amount due was XXXX and some change so I paid XXXX. I paid this payment on XX/XX/XXXX. My due date is XX/XX/XXXX which I wasn t late or past due. 
XXXX Report : In XX/XX/XXXX This report don t list any payment information. It also states that my account is ok. 
XXXX Report XX/XX/XXXX XXXX I have a past due payment of XXXX dollars. 
XXXX/XXXX XXXX Report states I paid XXXX dollars with no past due payment. 
XXXX Report XXXX payment history missing from account and some XXXX.
Product: Debt collection

This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : XXXX  - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

My original request did not include specific documentation to Microbilt/ PRBC. I have attached them here, now. Also, to let you know, I am looking to find out If you have a file for me. Recently when I requested a report from another agency only to find Erroneous data of others Intermingled with mine. Thus this is why I need to see what you may have on record for me.
Product: Credit reporting or other personal consumer reports

Received formal documentation from the court house. The documentation stated it does not public share information with any reporting credit agencies. The investagation results from transunion, stated they received this information from the court house. In my re-investigation letter I asked them for a copy of the proof of how the verified this information. They have not provided me a copy of the proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you onXX/XX/XXXXXX/XX/XXXX19 and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX onXX/XX/XXXX19 and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a dispute letter to TransUnion. They mailed me a letter suggesting I didn't mail it. I personally mailed and certified my dispute letter. I have the tracking receipt to prove it. Please contact TransUnion to confirm I sent this letter. Tell them to please provide dispute results.
Product: Credit reporting

I have made many attempts to rectify this issue with both Experian and XXXX XXXX XXXX XXXX. I never finance or open any loan account with XXXX XXXX XXXX. My sister open this account. This is not my account. My name is not on any financial instruments or obligation documents. I have called orange lake to discuss and as recent as today. I have yet to get any resolution to this matter. Please help me to get this account removed from my Experian credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

I have a public record of 2 backruptcy that was never done I tryed to fix it with credit report agencys and they have not removed it I filed wrong paperwork to save my car from repossession but Ive lost car and I should not have to suffer 10 years on my credit report for a bankruptcy filed erroneous I even talked to bankruptcy court they said they didnt report it please take this from my record it shouldnt be there my XXXX Im a XXXX veteran and I need good credit please fix this and remove from all three credit bureaus thank you
Product: Debt collection

In late XXXX I noticed a debt collection on my credit report from AD ASTRA RECOVERY. When contacted to inquire about this unfamiliar account I was told it was for a payday in the state of Alabama. I have not lived in this state in nearly 10 years and assume this is an account opened that I did not authorize. I have been working diligently for the past 3 years to get this removed from my credit report as it is hindering my home buying process.
Product: Checking or savings account

On XX/XX/year>XXXX TD Bank reversed disputed charges and put my account extremely negative. This account is where all my bills, mortgage, at payment, utilities go through and they made me negative. On top of that they started charging me overdraft fees when they made me negative. My whole purse was stolen and o immediately called them and told them and they canceled my card. I had to call make to dispute the charges when they went through. My other credit card was stolen and I had no issues disputing those charges, but TD says because the closed card was used again after it was closed it must have been not fraud? My whole purse was stolen with all my IDs and a credit card and this debit card. They refuse to help me and explain to me how I am liable when its XXXX XXXX  I have called and they dont let me speak to a manager and arent knowable about regulate e or the consumers rights at all. They dont even have a fraud department that could assist and the hold times are very very long! Please have them correct this and credit my account what it is owed. I have never had this issue and not sure why it my card was stolen why they wont credit my account when thats what their policy states online.