23daVinci/CFPB_Complaints huggingface dataset:
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 Number : L XXXX and list of Inquiries 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 or other personal consumer reports

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with a copy of an updated and corrected credit report showing these items removed. 

Thank You,
Product: Checking or savings account

On XX/XX/2022, XXXX fraudulent ACH transactions occurred on my checking acct. One for {$9900.00} to XXXX XXXX and one for {$8800.00} to XXXX Credit Card. Each time the fraud was done by creating a bill pay recipient and then making an ACH payment out of our checking account. The same thing happened in XXXX for {$9900.00} and {$9800.00} ( these have been returned ). 

USAA failed to notify us that a new bill pay was created and also failed to notify me that my password had been changed on XX/XX/2022. I use the USAA app and was able to log in with a pin ( USAA site says this is more secure ) .However, I logged in for over a month without knowing my password had been changed. This is a flaw in USAA cybersecurity. This was done because evidently my husband is the primary account holder and we use is his login and USAA number. The fraud was done on my USAA member number/account that I had when I was on XXXX XXXX and do not use. 

USAA says that notifications were sent about password change and new bill creations, but no notifications are in their system inbox on our account and no email was received. We only found out last week that my password had been changed on XX/XX/2022. 

This same scenario took place in XXXX and we were never told that my account had been taken over. Instead, USAA only did a check on my husbands account. They offered no guidance in changing our passwords or further securing our account. During this time, USAA had filed the fraud as a debit card dispute which further delayed us getting our money returned.

USAA is taking too long to return stolen funds. We notified USAA immediately on XX/XX/2022. We have talked to numerous fraud dept reps and to XXXX in the CEO office. We were told it is supposed to be handled in three days but that the fraud department is backed up and has been taking longer. It has been over three weeks and USAA has failed to return our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, Experian and XXXX reporting the total amount of credit available is wrong. I showed them the actual available amounts as listed with each company I have credit with and they refuse to change my information. 

I sent XXXX a letter and asked for an explanation two months ago and the never responded with anything I could understand in simple english. ( I did receive a thick envelope with all kinds of " legalese '' but it was just a form letter and did not address my issue ( s ).
Product: Student loan

I asked to be assisted with stopping garnishment of my check what they did was basically had me pay a sum and then told me to start paying XXXX a month I 've been doing that but now I find that the insurance policy that was on my loan has been cashed in so my school had been paid what 's owed Great Lakes is now placing my account on my credit as a collection account and I 've been paying them every month since XXXX. When I call no one has a answer. I 've asked for the copies of my loans with them so I can read over them and they have failed to provide them. They are not supposed to create more of a hardship on me and make it harder for me to pay my debt.
Product: Credit reporting or other personal consumer reports

Hello, the account ending in XXXX was opened under an address that is not on my file nor has it ever been my address. Additionally this account was opened XXXXXX/XX/year> meaning it has fallen out of the Florida credit statue of limitation of five years. due to the incorrect information being reported my credit has suffered, at the hands of a mistake.
Product: Student loan

False reports to the credit bureau. 
Unexplainable raises in amount owed.
Product: Mortgage

Had a mortgage with Sun Trust. We would make payments and they would cash our checks, however they would not apply our payments to our loan, they would put it in what they called unapplied. They would in return mail us a check back drawn on their bank. We would have to deposit the check into our account and send them another one. They would apply that one to our loan however, they would charge us a late fee and reported it as late. 
We have made numerous calls to Sun Trust and requested them to look in to this. They said that they did but would not remove it from my credit report. I feel that this is borderline a deliberate act from Sun Trust.
Product: Vehicle loan or lease

On XX/XX/XXXX, After finding out that our bills were perpaid and reading about consumer law. I decided to apply what I learned and sent it over by certified mail to Capital One Auto finance. The UNITED STATES has been in bankruptcy since XXXX and as part of the XXXX XXXX. There isnt any money in circulation. Once the gold / silver was taken out of circulation. Theres only XXXX currency. You cant pay debt with a debt instrument. The bank never put up anything of equal value. I own the promissory note.. I asked for the company to send me a wet copy of the contract signed between both parties. The company has issued an illegal repossession of my personal property ( my XXXX XXXX XXXX ). I explained to the company it would be illegal for them to send a third party out to steal my personal property. I provided them with this code. 15 US code s-1692f ( unfair practice ) for giving my personal information information to a third party without my consent. The remedy for this issue is simple. Since theres no money in circulation, all bills are prepaid and theyve already been paid 9 x over from my promissory note that has been on the stock market. This contact is null and void and to send me the title of ownership for my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neitherremoved nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian Credit Report Breau is allowing these collection agencies to report the same collection Mutiple times causing peoples credit scores to drop. There was a collection added to my credit report last XX/XX/year> the same company just added the same collection again this year. Its already on my credit, my credit has already been affected, so why would Experian allow this unethical nonsense? I'm highly disappointed. I maintain a good credit score and I take my credit very serious. Experian need to do better. I pay a monthly membership fee for their accurate services.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 or extortion. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$520.00} XXXX XXXX XXXX Balance Owed {$750.00} XXXX XXXX Balance Owed : {$9800.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00} XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$140.00} XXXX  XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$750.00} XXXX XXXX Balance Owed : {$450.00} XXXX  XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 XXXXXX/XX/XXXX.
Product: Mortgage

During covid I entered into a forbearance with us bank and ended that XX/XX/2021 till this day they have been unable to take my account out of the forbearance status and US Bank says that my account has not gone through system changes but they can not explain why. I have been trying to refinance with another lender XXXX since XXXX. us bank is aware i am trying to refinance. I have called US Bank over and over and over again And have been told they are working on it and that there would be a resolution very soon but have not seen any results. I also put a complaint in with their advocacy resolution team and was told they would have a resolution for me by XX/XX/XXXX. This was not the case, no one has giving any kind of update. I have not heard anything and when I have call they tell me my complaint was made and there is nothing else they can do for me. I have done 3 way phone calls with my potential lender and US Bank. US Bank has explained to the lender that I am not in forbearance and I have signed the modification, that it is their error that the account has not gone through system changes and they are working on it. The XXXX letters they have provide out of several being asked for do not have the required information. This issue, I found out is going on 5 months of me calling over and over again trying to get no results. My forbearance ended over 7 months ago. The payment I have been making to us bank are not being posted to my mortgage of forbearance but being help in some kind of limbo account. I need help please. 
The lender XXXX has stated they do not know how much longer they can continue to hold my rate after months of waiting for US Bank to complete modification. I am getting the run around from us bank and am stressed, frustrated and overwhelmed with this ongoing issue. Any assistance is welcomed and appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo has continued to give me the run around. I've submitted another complaint regarding a fraudulent personal loan that was opened under my name and social. The address and signature doesn't match. Not only has Wells Fargo dropped the ball the continue to not be responsive or don't return calls. 

I spoke to the Executive office to file a complaint and was told that I would receive a resolution by XX/XX/2020. I never got my issues resolved and continue to be mistreated and discriminated upon. This account is vastly affecting my credit and livelihood. 

Wells Fargo also contradicts its self by sending me a settlement check for the fraudulent accounts being open under my name from its bank but has refused to remove the fraudulent account from my credit reports. If this matter isn't resolved in the next 10 days I will file legal complaint in federal court.
Product: Credit card

I was sent a promo offer from Mastercard XXXX card about a 4.99 % promotional apr on balance transfers. I accepted this offer via email which took me to the XXXX card website. After logging in I was prompted to make my balance transfer, so I did. This was apparently not the promotional apr however and I now have to deal with a higher apr than what was promoted. This is predatory practice. Im sure Im not the only person affected by this. Any help would be appreciated.
Product: Debt collection

This debt is not mine. I have never owed the original owner of the debt as I never had an account or dealt with the original owner nor this XXXX party.
Product: Credit reporting or other personal consumer reports

Someone used my information for accounts without my knowledge.

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/XXXX Subject : Dispute Regarding Inaccurate Late Payment on Credit Report Dear CFPB, I am submitting this complaint regarding an inaccurate late payment that is reported on my credit file maintained by Equifax. I believe this late payment is erroneous and does not accurately reflect my payment history. 
Nature of the Complaint : Inaccurate Reporting : The late payment listed for XX/XX/XXXX on my credit report is inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of this late payment violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness. 
Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
Truth in Lending Act ( TILA ) : The reporting practices also violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Account Details : Creditor Name : XXXX  XXXX Account Number : XXXX High Balance : {$1000.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$22.00} Account Status : Closed Payment Status : Current Two-Year Payment History : Reports a 30-day late payment for XX/XX/XXXX, which is inaccurate. 
Requested Resolution : I request that Equifax conduct a thorough investigation into this matter and remove the inaccurate late payment from my credit report. I ask that all such entries be updated to reflect my true payment history of 100 % on-time payments. 
I expect to receive written documentation confirming the removal of this entry within 30 days of this complaint submission. Failure to resolve this issue may lead to further action to protect my rights as a consumer. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has so many inquiries which is against the equal fair credit reporting act witch is a fraudulent reporting consumer transactions against consumer law so my credit was stolen color of law has took place 242 USC subsections 1983 my credit I extended I got back nothing...
Product: Checking or savings account

While using cash app for many many years I wasn't able to get live agent or call any one for help when there was an issue. 
And they linked my last account to my brother 's information when I noticed it was incorrect and tried to fix it they just wanted me to leave all my money in the account telling me I had to create a new account.
Product: Credit card or prepaid card

Fraudulent charges on my Banana Republic store credit card Only half of my initial dispute has been resolved. They are still claiming an outstanding amount due. 

This has been going on since XX/XX/XXXX of 2019
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my information Bull city financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquires Remove unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

all ftc violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Robocalls cost XXXX  $ XXXX arbitration award A XXXX woman won a {$450000.00} arbitration award from XXXX last month after receiving more than 300 robocalls from the XXXX-area retailer, which was trying to collect payments on her {$1600.00} sofa set purchase. 
Consumer Financial Protection Bureau Fines XXXX XXXX {$100.00} Million for Widespread Illegal Practice of Secretly Opening Unauthorized Accounts Search Results Web results FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy ... www.ftc.gov news-events press-releases XXXX XX/XX/XXXX - XXXX XXXX XXXX will pay a record-breaking {$5.00} billion penalty, and submit to new restrictions and a modified corporate structure that will hold the company accountable for the decisions it makes about its users ' privacy, to settle Federal Trade Commission charges that the company violated a XXXX FTC order by deceiving ... 
Search Results Web results XXXX XXXX  Robocall Lawsuit - The Class Action XXXX XXXX Blog XX/XX/XXXX - XXXX XXXX  is suspected of violating the Telephone Consumer Protection Act. ... you may be receiving annoying robocalls in violation of federal law. ... cardholders and has loaned over {$2.00} billion since it was founded in XXXX. 


The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on XX/XX/XXXX is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2020 with a balance of {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report XX/XX/2023, disputes investigation updated XX/XX/2023 & again XX/XX/2023 updated report after disputes investigation again with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.

Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. 
Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Discharged bankruptcy & all accts included should state discharged through bankruptcy.letter attached.

Discharged bankruptcy Accts/Paid Account/Late Payments : XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXX acct # XXXX # XXXX XXXX  XXXX # XXXX # XXXX # XXXXXXXX XXXX XXXX  acct # XXXX ( closed ) XXXX  XXXX XXXX XXXX ( in forbearance-good standing older loans transferred to this new student loan service company/ older XXXX XXXX acct was paid in full due to this consolidation with XXXX  ). 
XXXX ( closed acct ) Please investigate if every piece of information is correct. If not, please remove it from my credit report. Please investigate if every piece of information is correct on the reported late payment history. If the late payments are not reporting 100 percent accurate, please remove them from this account and update the account as paid as agreed/closed if account open should be closed.

I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the re-investigation outcome to be sent to my address.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I am not a third party company I am sending this complaint without assistance from any one. I noticed that XXXX XXXX has been reporting Account name XXXX XXXX Date opened XXXX a CHARGED OFF account with a {$2200.00} balance. 
I don't recognize how this account is reporting on my credit report. 
I don't recognize the account number, the account status, the payment amount or payment terms, the account high balance nor to I recognize the late payments. 
This account is not mine. I did not receive a 1099c form when it account went into a charged off status nor was I given the option to opt out of having personal information shared with third party companies. 
I did not authorize any of this nor did I consent for this company to access my credit file. This debt collector has not provided me proper debt validation for this debt. 
Please delete this from my report.