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

USAA has been incorrectly reporting the balance of a prior loan on my credit report in the amount of {$8400.00}. They have been reporting the incorrect amount owed. Plenty of notices have been sent to them to dispute this issue and they have still not corrected this. Reporting false information, which in this case is misrepresenting the amount owed on a loan, a violation of FDCPA. Also, they translated that misinformation to a 1099-C. The loan balance that they have been reflecting on statements for over a year now is {$8300.00}. Filed a FDCPA complaint on XX/XX/2019 and received a response XX/XX/2019. In that response, they noted that XXXX XXXX spoke with me regarding this matter. That is incorrect. We spoke regarding a separate complaint regarding my credit card and trying to have the late fees waived. No one from USAA has reached out to me regarding this matter and they are falsifying communication records between them and myself with their last statement to the FDCPA for complaint # XXXX. I attempted to email XXXX XXXX on XX/XX/2019 as well as this evening.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bunch of fraudulent or inaccurate info on my credit profile. I am getting denied for jobs, I cant move into an apartment, I cant even get pre-qualified for a home! 


Hard Inquiries : XXXX XX/XX/XXXX Experian : XXXX XXXX XXXX XXXX XXXX Collections non specific {$510.00} {$510.00} XX/XX/XXXX XXXX XXXX XXXX Other Collection Agencies {$810.00} {$810.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX   XXXX Collection services {$810.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX Collection services {$510.00} {$0.00} XX/XX/XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX {$810.00} {$0.00} XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, XXXX account number XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 6 States, I have the right to privacy.

15 U.S.C. 1681 Section 602 A, Section 2, I also state, a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Nothing happened to the following account below : I requested that they update the OWE amount to XXXX and they left it blank. This is the exact same report prior to the complaint. They refuse to acknowledge that this account is paid in FULL and has a XXXX balance. 

I sent a letter showing them that this account was paid in full but after the investigation they simply added incorrect information RECENT PAYMENT OF {$370.00}. Total false! 

XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. {$1.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$370.00} as of XX/XX/XXXX Monthly payment - Original balance {$1000.00} Highest balance {$1100.00}
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 Date of inquiry : XX/XX/2023 Account Name : XXXX  Date of inquiry : XX/XX/2023 Account Name : XXXX XXXX XXXX  Date of inquiry : XX/XX/2023
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS HAS NO MONTHLY HISTORICAL DATA ACCORDING TO 15 U.S. Code, THESE ACCOUNTS MUST BE IMMEDIATELY REMOVED FROM MY CREDIT REPORT DUE TO BEING INACCURATE AND/OR INCOMPLETE OR CAN NOT BE VERIFIED
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian on several occasions regarding inaccurate information on my credit report and they have failed to properly investigate and validate the information on my consumer report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , 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 : LIST OF ITEMS TO BE REMOVED XXXX  XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXXXXXX XXXX XXXXXXXX ) XXXX BALANCED {$7900.00} XXXX XXXX XXXX  XXXX {$590.00} XXXXXXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$3100.00} XXXXXXXX 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/XXXXXXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

My information was sold to Plaza Services , LLC from the original creditor, XXXX XXXX, without my knowledge. Plaza Services harassed me via email between the dates of XX/XX/2022 until XX/XX/2022 even after our phone conversation of me asking them to cease and desist all forms of communication. They have recently been attempting to collect a debt from me. I am not liable for this debt of {$5500.00} with Plaza Services , LLC. Account Number : XXXX. I do not have a contract with Plaza Services , LLC, they did not provide me with the original purchase agreement as requested.
Product: Credit reporting

In the last 10 years i 've had a couple of wild things happen to my credit but today I 'm complaining to this extent bc I 've reached my patience threshold. Noticed a tax lien ( lol ) and large collections for some credit cards ... thought maybe it was a mistake and perhaps it was because of a name mix up with the bureaus no.. this is simply what happens when your company is based solely on trying to charge for services instead of focusing on the families that rely heavily on their credit scores. Enough ranting, I did attempt to contact XXXX but no luck and nothing came from disputing directly so I feel like i 'm running out of options. Im attaching some required documents per XXXX of the govt sites i 've been to. thank you for taking the time to hear me go on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a real person Im a living human being I have a right under 15 US 1681 XXXX Trans Union and XXXX  is govern by 15 USC 1681 and they violated my rights numerous of times I demand the counselors to be allowed to be removed from my Derogatory marks XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX according to 15 168 I have the right to privacy I did not give Written permission to furnish these accounts
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I got an alert from XXXX that a Money Lion account with a balance of {$1000.00} was open. I did not open this account. I contacted Money Lion on XX/XX/XXXX and was told that the fraud dept would contact me via email within 4 business days. The rep had also sent me an email with the ticket number ( XXXX ). She also informed me that whoever opened the account also opened a checking account using my social and DOB. She also stated that the fraud dept noticed something suspicious and shut it down and no money was ever transferred, or loaned out. Since I hadn't received an email from them, I contacted them again on XX/XX/XXXX in which the rep from Money Lion put a " rush '' for them to call me. I've yet to receive a call or email and today is XX/XX/XXXX. I contacted the local police department so I could make a police report. An officer reached out to me on XX/XX/XXXX and I filed a report ( case # XXXX ) which I am still waiting to obtain a copy. Since Money Lion is yet to contact me, I feel i'm not being taken seriously and I need this deleted from my credit report. I'm really hoping that you will be able to assist me in this matter.
Product: Credit card

The information in the remarks field is missing or incorrect The credit limit and/or high balance is incorrect. 

This Mercury card company has been reported to Consumer Financial Protection Bureau for fraudulent charges, dates, lied about interest rates, lying about missed payments. They said derogatory remarks to be deleted. Company is a scam. 

This company should be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company requested that I send in a copy of my ID and Social security number which I have sent, I also included a bill, but I still can not pull my credit report through Myfico or other companies. I know that the company has received the information they requested as I submitted disputes at the same time and those have been opened.
Product: Debt collection

The following company has repeatedly called me AFTER I sent them a letter SPECIFICALLY telling them to not contact me by telephone : BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX The Phone number they use is : XXXX I have since blocked that number but expect them to try and use another. 

The text of the letter sent to them is as follows : " SENT PREPAID USPS FIRST CLASS MAIL BCA Financial Services , Inc . 
XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX, FL XXXX RE : Reference No. : XXXX YOUR CLIENT : XXXX XXXX XXXX Hospital Dear Sir or Madam : This is not a valid debt and I vigorously dispute it. 

Enclosed you will find a Debt Collectors Disclosure Statement. I trust you will find it self-explanatory. 

You are also instructed to NOT contact me by telephone at home, work or facsimile. You may communicate with me by regular USPS mail. 

Any derogatory reports made to any credit reporting agencies will be met with the full remedies provided by law and a Complaint lodged with the Federal Trade Commission. 

Please govern yourselves accordingly. 


Sincerely, XXXX '' Enc. : XXXX pages
Product: Mortgage

I completed a XXXX XXXX of 5 years, and it was finally discharged XXXX of XXXX. I recently applied for covid assistant thru XXXX. This is a state funded outside agency to help with covid relief and mortgage payments. XXXX sent my mortgage company PHH Mortgage a relief package to fill put and email back in the beginning of XX/XX/2022. XXXX did not get a response, so they sent another packet via email and still didn't get a response. I called PHH Mortgage to see the issue and nobody can help me I was transfered around and hung up on twice. Once person before hanging up told me my account Is represented by an attorney and is in a XXXX XXXX  and it isn't. I can't get assistance to pay because they will not listen to me and release my mortgage out of this status and also will not allow me to speak to anyone about it. Pleased help
Product: Bank account or service

I had been checking balances for XXXX of my checking accounts with BB & T and was charged XXXX over draft fees when there was still money in my account. After speaking with customer support and a branch manager, they were unable to describe to me the nature of the over-draft fees and why the math for these fees did not add up to the amount that is now posted in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my seven endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX # XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX {$0.00} XXXX XXXX XXXX Balance {$1600.00} XXXX Inquiry Date XXXX XXXX XXXX date : XXXX Texas XXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX Date XXXX XXXX Date of Inquiry : XXXX XXXX XXXX XXXX Date of Inquiry : XXXX, XXXX Inquiry Date XXXX, XXXX Date : XXXX, XXXX date : XXXX, XXXX date : XXXX, XXXX XXXX date : XXXX, XXXX XXXX  XXXX  XXXX : XXXX, XXXX  Date : XXXX, XXXX XXXX date : XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this FTC IDENTITY THEFT AFFIDAVIT to report several fraudulent inquiries on my consumer XXXX credit report. These inquiries need to be removed immediately from 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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally complain about unauthorized hard inquiries made on my credit report by the following entities on XX/XX/year> : Prestige Financial ( Finance ) - -XXXX  XXXX Via Dealer ( Finance ) - -XXXX XXXX XXXX XXXX- These hard inquiries appear on my credit report without my knowledge or consent, and I did not authorize any credit applications or services from these companies. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, credit inquiries can only be made with the explicit authorization of the consumer or for a permissible purpose defined by law. These inquiries do not meet these criteria and, therefore, must be removed from my credit report immediately.

Additionally, under FCRA 15 U.S.C. 1681c ( a ) ( 2 ), credit bureaus are required to report accurate information. The presence of these unauthorized inquiries is a clear violation of this provision, as they inaccurately reflect my credit activity.

Furthermore, under FCRA 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute inaccurate or incomplete information on my credit report, and the credit reporting agencies are required to investigate and correct any inaccuracies within 30 days. Given the unauthorized nature of these inquiries, I demand their immediate removal from my credit report.

Failure to address this matter promptly will result in further action, including the possibility of pursuing legal action for damages under FCRA 15 U.S.C. 1681n, which provides for penalties for willful noncompliance with the Act.

I request that you take immediate action to remove these unauthorized hard inquiries and provide me with written confirmation that they have been deleted from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I paid {$710.00} to XXXX XXXX XXXX via PayPal using a Visa card ending in XXXX linked to my XXXX XXXXXXXX XXXX XXXXXXXX. account. In XX/XX/XXXX, I canceled my XXXX reservation and was issued a refund on XX/XX/XXXX. 

Before canceling, I informed PayPal that the original payment method ( Visa XXXX ) was inactive and that my XXXX XXXX bank account was closed. PayPal assured me that if the refund was rejected, it would be credited to my PayPal balance within 35 business days. 

On XX/XX/XXXX, PayPal stated that the refund was sent back to the Visa card. However, XXXX XXXX has confirmed that all transactions to closed accounts are automatically rejected and returned to the sender ( PayPal ). XXXX XXXX also advised me to contact PayPal for resolution.

Despite multiple follow-ups : ( 1 ) PayPal insists the refund was successfully processed on XX/XX/XXXX, to the closed Visa card. 

( XXXX ) XXXX XXXX states that the refund was rejected and never posted to any account. 

( 3 ) PayPal opened a refund inquiry and provided a trace number for the transaction, but XXXX XXXX has refused to trace the refund. 

( 4 ) I have spent over two weeks being redirected between PayPal and XXXX XXXX, with neither company providing a solution. My {$710.00} remains missing. 

Attempts to Resolve the Issue : ( 1 ) Contacted PayPal multiple times, received a trace number, but no refund. 
Contacted XXXX XXXX, who stated they will not investigate since I no longer have an account with them. 

( XXXX ) XXXX XXXX incorrectly filed a dispute on the original transaction ( XX/XX/XXXX ) instead of investigating the XX/XX/XXXX refund issue.
Product: Debt collection

To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or immediately : Ive also included my police report that reflects the concern. 

COLLECTION MANAGEMENT CO ( XXXX ) Ive disputed this error, but they continue to report on my credit file. Ive filed a police report for the misuse of my identity and provided a copy for reference.
Product: Debt collection

While working for the Oklahoma Supreme Court in XXXX, I lived at the Regency in Oklahoma XXXX on a one-year lease. The apartment was below average but met my needs as I returned home in XXXX weekly. There were several incidents that occurred during my stay there including elevator outage, basement parting gates would not open and so on that were uncomfortable and unsafe. In XXXX XXXX, XXXX, around XXXX, with freezing temperature, the apartment caught fire due to faulty wiring - http : XXXX. Residents were temporarily moved to the XXXX XXXX but I chose to find another apartment and explained to management of my intention to vacate. I vacated my apartment and moved. I was told I needed to pay XXXX {$850.00} XXXX for XXXX month rent instead of XXXX months because of the incidents and the fire. 

XXXX XXXX, a collection agency for The XXXX, has been requesting that I pay {$3000.00} and has now place this collection note on my credit report. By not providing a safe and comfortable environment, I believe that the XXXX was in violation of their lease agreement. This is extremely unfair and unethical. I request that the Collection note be removed from my Credit Report and in return I would pay the {$850.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

have a public record & XXXX XXXX entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern I saw your company furnishing a negative account onto my consumer report. I am requesting validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ) Provide me with following information XXXX. The amount of the debt XXXX. The name and address of the original creditor XXXX. Proof that your company sent me a statement assuming the debt to be valid ( with proof of tracking information ) XXXX. I was never notified with the following statement to dispute this debt within XXXX days so the XXXX days is starting now. 

Collection activities shall cease immediately pursuant to 15 U.S. Code 1692 ( g ) THIS ALSO GOES FOR THE FOLLOWING CREDIT REPORTING AGENCIES : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I HAVE SENT THESE TRANSUNION DISPUTE LETTERS XXXX CERTIFIED MAIL ASKING THEM TO PROPERLY INVESTIGATE AND VERIFY THAT THIS ACCOUNT BELONGS TO ME. THEY HAVE FAILED TO DO SO. I HAVENT RECEIVED ANYTHING I ASKED FOR IN MY DEBT VALIDATION LETTER. I HAVE ALSO SENT THESE CRA 'S A SIGNED AND SEALED AFFIDAVIT OF TRUTH ( SEE ATTACHMENTS ). THEY HAVE FAILED TO RESPOND TO MY AFFIDAVIT OF TRUTH WITH ANOTHER IN RETURN. I HAVE UPLOADED MY POLICE REPORTING PROVING THAT MY IDENTITY WAS STOLEN AND USED. I HAVE NO KNOWLEDGE OF THIS ACCOUNT! THE XXXX ON THIS ACCOUNT DOES NOT MATCH MY SSN! 

MY NEXT STEP IS TO PROCEED TO ARBITRATION.