23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I logged onto XXXX and changed my direct deposit account number from a checking account to a savings account. 
I can provide screenshots that show dates I changed account numbers, and the account number submitted. I omitted a digit, so I submitted XXXX digits instead of the XXXX digit account number. 

On XX/XX/XXXX I discovered I was not receiving deposits so logged onto XXXX and changed to the correct account number. I worked with my employer to contact XXXX and I called USAA. I filed claims with USAA for each missing deposit. 

XX/XX/XXXX = {$210.00} XX/XX/XXXX = {$380.00} XX/XX/XXXX = {$290.00} XX/XX/XXXX = {$270.00} XX/XX/XXXX = {$280.00} XX/XX/XXXX = {$230.00} I called USAA multiple times over the course of XXXX months. Each time I would be connected to a different representative so each time I went through the explanation of missing deposits and the representative would file a claim for each deposit. Each time I was told deposits would be routed to my account in 5-7 business days, but I have never received funds. 
I can provide the call log showing I called USAA fifteen times between XXXX and XXXX trying to get help On XX/XX/XXXX a USAA representative said I needed a letter of XXXX from XXXX. I requested the letter from XXXX and XXXX responded on XX/XX/XXXX that they would not provide a letter of indemnity as they dont have any grounds or evidence that the funds were sent to an incorrect account beyond the employees/clients word and via email. 

XXXX provided a letter which was faxed to USAA on XX/XX/XXXX listing the deposit dates and amounts that were sent to USAA. 
I can provide this letter and the paystubs I can share which match the dates and amounts. 

On XX/XX/XXXX call I was told USAA needed trace numbers of each deposit so USAA could track the money. XXXX supplied the trace numbers on XX/XX/XXXX so I called USAA and reported each trace number. Called back to USAA to check on status and had to give trace numbers two more times. I asked if they could locate the deposits, but USAA would not answer the question. 
I can provide the trace numbers. 

On XX/XX/XXXX My husband sent multiple emails to USAA executives requesting to be assigned one representative since we must start over every time. On XX/XX/XXXX received a call from XXXX from the CEOs team. The remaining phone calls with USAA were with XXXX. 

XXXX XXXX ext : XXXX XXXX On XX/XX/XXXX XXXX advised me that she would be on holiday until XX/XX/XXXX. I called XXXX on XX/XX/XXXX and XX/XX/XXXX requesting a call back to discuss status and next steps but have not heard back. 

In summary I feel misguided by USAA. Each time I contacted USAA I had to start over explaining the case and each time was told it was in process. 

After contacting USAA on XX/XX/XXXX I still did not receive the XX/XX/XXXX deposit.
Product: Checking or savings account

Constant monthly fees. They freeze part of a check deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, on XXXX and XXXX these companies have reported that my paments were late. However based on further review I have pulled my bank statements and it shows that my payments to the mentioned companies have been made on time. The payments made to discover bank, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX were all made on time and debited from my account so there is no reason why these accounts should be reported as late. 




Thanks
Product: Debt collection

I received a letter stating that I owe debt to this company on XX/XX/2022. I am unsure as to why I owe this company money, so I consulted my attorney and sent them a letter asking them to validate this debt, provide proof they are able to collect this debt, itemized bill of the debt, as well as an agreement for me to pay this debt. My lawyer mailed a certified letter to this collector on XX/XX/2022 and we did not receive a response. I was surprised to find they have now reported this debt and it is not effecting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for any of th accounts listed I do not have contracts with these companies and they did not provide me with original contracts as I requested I reported them as fraud it is way over 30 days since last contacting them below are the companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I disputed a credit discrepancy on my Transunion account against XXXX XXXX on XX/XX/2016 and by XX/XX/2016 the account was not removed in accordance with the law. I call the bureau and they still did not remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Vance & Huffman has violated my rights as a federally protected consumer under 15 USC 1692. Please review attached documentation.
Product: Checking or savings account

On XX/XX/2024 the bank makes a debit from my bank account of XXXX as an automatic payment of my credit card. The same day I called to claim this because I did not have the autopay active. This same day they make an adjustment and charge the debt of XXXX on my credit card but to date they have not returned the money to my bank account.
Product: Credit reporting

I went to try and get a apartment for the XXXX time because i am ready and i got declined because they said i had broken leases. I have never rented a apartment in my life. I am XXXX years and now my credit is jacked up. I thought back of what could have happened and my whole life was stolen from me i have to get a new everything. I really need your help please contact me!!!! Im too young to be homeless.
Product: Credit reporting or other personal consumer reports

Recently, I investigated my credit report and found several items there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 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 shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : TransUnion : XXXX Account XXXX : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number XXXX XXXXXXXX Please remove this from my credit report XXXXs Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXXXXXX Account Number : XXXX Please remove this from my credit report Comenitycap/Alphcos Account Number : XXXX Please remove this from my credit report XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account # XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX : XXXX Account Number : XXXX Please remove this from my credit report. 

XXXX XXXX Account Number : XXXX Please remove this from my credit report XXXX Account Number : XXXX Please remove this from my credit report XXXX XXXX XXXX Account XXXX XXXX Please remove this from my credit report. 

US Dept of EduXXXX Account # XXXX Please remove this from my credit report. 

XXXX XXXX XXXX Account Number : XXXX Please remove this from my credit report.
Product: Debt collection

received ambulance ride for child, moved to different address before i received any statements or communication that my account went into collections. they did not process the insurance given to them. once with collections never received any communication that my account was a collections company. I received notification that my account was with collections from a notification alert from credit karma. I called the collection company to see if they could provide me with any information or at least verification of debt letter to send to my insurance company. the rep let me know the account was now with a firm agency and id have to wait for them to send me something, this was back in XXXX. I never received any communication from the firm agency until XXXX I was served with a summons. I wrote a letter to the firm after I was served to see if they could provide me a verification letter to see if it could still be resolved with my insurance because that's what they were requesting and I still haven't heard from none of the collection agencies in regards to verification letters of the debt etc. XXXX XXXX XXXX was the collection company and now its with a firm called Velo law
Product: Mortgage

I have contacted the Georgia Attorney General and they have contacted SLS regarding my account.  XXXX  sold my loan to SLS and I am paid until   XXXX   XXXX    . SLS does not acknowledge this and continues to mark my account past due, 71 days.  XXXX  has provided the information  3x per  my request and still no change in my account status or SLS acknowledgement. The Georgia Attorney As of   XXXX     there is no change from   XXXX   XXXX    .     An  SLS r epresentative called the week of  XXXX  and informed me that SLS is aware that I am paid until  XXXX , but when I calle d SLS  on  XXXX , there was no change to my account. I requested an updated statement based on this new information. I still have not received the revised mortgage statement confirming I am paid until  XXXX .     SLS continues to send information to the wrong address. My correct address, which I have sent to SLS via official  USPS n otification, is :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , GA  XXXX  Contact dates and times. All calls are recorded :  XXXX   XXXX    XXXX   ID #  XXXX  Received RESPA notice on   XXXX   whic h SLS  has already violated   XXXX    XXXX  ID #  XXXX  ID #  XXXX    XXXX    Executive Ser vices says they do not have information that I am paid u ntil  X/XX    XXXX   W as told my rep that there were  hundred of lo ans sold to SLS that SLS has not processed correctly and for which they have no information   XXXX    XXXX  no ID # Requested welcome letter and payment notice and received information on the Automatic Payment Program   XXXX   Requested  XXXX  send another payment history to SLS   XXXX    XXXX  automated calls daily  XXXX   XXXX  Account #  XXXX  Georgia Attorney General File #  XXXX
Product: Credit reporting or other personal consumer reports

I've recently reviewed my credit report and found that there are a lot of fraudulent and inaccurate items being reported. Please see attached documents.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting or other personal consumer reports

Per XXXX USC XXXX ( I ) I am formally requesting a procedural reinvestigation of inaccuracies on my credit report which have adversely affected my ability to obtain credit. 
Per XXXX USC XXXX ( b ) Accuracy of Report : Equifax must follow reasonable procedures to ensure maximum accuracy and that any unverifiable or inaccurate information must be corrected or removed within 30 days of a formal dispute. 
Please verify and validate the following accounts : XXXX XXXX Charge Off on XXXX & XXXX Missing pymt. history Credit limit reporting on closed account Available credit reporting on closed account XXXX XXXX XXXX XXXX reporting on closed account Available credit reporting on closed account XXXX XXXX Credit limit reporting Available credit reporting Missing payment history XXXX XXXX 60 days late in XX/XX/XXXX, on time XX/XX/XXXX XXXX XXXX XXXX XXXX reporting Available credit reporting 60 days late in XX/XX/XXXX on time in XX/XX/XXXX XXXX XXXX XXXX Credit limit reporting Available credit reporting Please provide the following : -Ownership or entitlement of a certificated security which requires original documentation or proper assignment. ( XXXX XXXX ) -Original Documentation to validate the accuracy of alleged debt. Copies or electronic reproductions are insufficient ( XXXX XXXX ) -Proof I was notified of alleged debt in a timely manner and given the opportunity to dispute, arbitrate or settle issue. 
-The business names and addresses of all entities used to verify and validate information in question to allow me to follow up
Product: Vehicle loan or lease

Dear XXXX XXXX In this notice, I am responding to your letter dated XXXX XXXX XXXX, for an Auto Loan Application Letter # XXXX. I find it difficult to understand your decision. I would like to request an investigation of all accounts on file related to credit transactions, payment derivatives, and debt securities, on behalf of XXXX XXXX ( Including debts and credits with checking and savings account as well. ) Please find the notice attachments below. 

Please note : The letter I received from your company PENFED CREDIT UNION dated XXXX XXXX XXXX was not signed. Please send a signed letter with an actual person 's name to for validity. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/XXXX, I tried to unfreeze my credit report on Experian because I was trying to get a pre-approval for a mortgage. So I went to Experians website to do so, however, the webpage was not working. I then called them and went through their automated prompts to have the security freeze removed. After completing the information correctly, I was told to mail in a variety of documents in order to have the freeze lifted. It shouldnt be this hard to have a freeze lifted. 

I have no interactions with this company beyond placing and removing security freezes on my credit file, and that only happens because of the XXXX  security breach That occurred. They have charged me repeatedly for placing and removing security freezes after that breach, and now I have to mail in paper work and IDs and social security numbers to them. Something should be done about this company. It continually makes things difficult for consumers to steer people into their pain credit lock feature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an account with IC Systems closed in XXXX of 2020 that I have no knowledge of. I have never been contacted by this company regarding any said account via XXXX. This company is reporting false debt balances, information, or re-aging ... or a combination of all and XXXX is illegally reporting false info and thus ruining my credit by not verifying properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 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. XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. Experian Account Name : DPT ED/XXXX Account Number : XXXX, has violated my rights. Experian Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. Experian Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated 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. The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from Experian, XXXX, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and Experian, XXXX, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX XXXX 10 years ). The President of The United States, Joe Biden, also announced student-loan relief for borrowers.
Product: Debt collection

This is so annoying & frustrating. Ive sent TransUnion multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX