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

I have been locked out of my account. I tried to restore access. USAA uses a 2FA system that relies on being logged into the APP. I am locked out of the app, possibly from some travels abroad. I am not able to generate their token. The CSR have no ability to offer another way to access my account. The pin number I have been using for 20+ years is also not accepted. The CSR refused to escalate nor provide any other way to access my account in a prompt fashion, other than an offline approach requiring manual verification taking 2-3 days. This is not acceptable. When i mentioned the possibility of fraudulent activity and wanting to make sure nothing was happening the CSR refused service on 2 separate calls, saying they were completely unable to access any accounts or information for me.
Product: Credit reporting or other personal consumer reports

Experian is reporting in accurate information on my consumer report. I submitted a request to have several inaccurate accounts deleted From my consumer report. XXXX  XXXX is showing a charge-off but showing a balance due. XXXX XXXX XXXX is showing as a charge off and closed account and it is past the law required reporting date. XXXX XXXXXXXX XXXX is showing closed and is past the required reporting dae. XXXX. XXXX XXXXXXXX XXXX XXXX is showing closed and as a charge off also showing a balance due. XXXX. XXXX XXXX is showing two late payments. They then sent notice back stating the account information has been verified, I requested them to provide me with the information regarding this and they Never submitted it to me. Reporting inaccurate information on my credit report is defamation of character and a violation of 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate late payments, charge off accounts do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the information associated with my credit report. remove the inaccurate accounts. and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX, XXXX. XXXX Open Date XX/XX/2018 XXXX : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account # XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a 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 consent.
Product: Prepaid card

For over a year now, Ive had a claim open to reclaim my stolen funds. Im unsure how the theif was able to steal my money, but they did. I believe it was somebody working for BOA that was in on it because I dont understand how someone can activate a card and steal from it without me giving any of my information out to anyone. BOA keeps denying my claim and when I ask for proof they keep sending me bank statements although Ive requested better proof than that, such as atm footage. They are not doing a thorough investigation and it is causing further financial hardship having to keep reopening this claim. This is my final attempt before I seek a lawyer to help me with this. 

Claim number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies are listed below : XXXX XXXX account # XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 

XXXX, account # XXXX, has violated my rights. 

XXXX XXXX, account # XXXX, has violated my 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 602 ; it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report were incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXXXXXX Balance XXXX {$1900.00} XXXX XXXXXXXX Balance : {$9400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft. My information was Compromised during XXXX 's Data Breach.

Included I have added screenshots and also my Data Breach Claim Number. For the fraudulently accounts that were opened in my name. 

DELETE THESE inquiries THAT I DID NOT DO- XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ON XX/XX/XXXX XXXX XXXX  XXXX ON XX/XX/XXXX Also I am asking yo to immediately DELETE The address that is on my account that's used in this FRAUDULENT activity at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX.
Product: Debt collection

I spoke to the creditors in regards to the debt and disputed it with them nothing has been resolved.
Product: Debt collection

AFFIDAVIT OF STATE MENT. 

All credit bureaus transunion, XXXX XXXX XXXX has allowed nurmous fraudulent activity on my accounts for years and continuing to this day, to deny me an environment to happiness and life due to my nationality of XXXX XXXX I named XXXX XXXX XXXX XXXX, never gave any credit reporting agency jurisdiction over me due to my nationality of citizenship XXXX And demand it all been removed pursuant to my nationality, citatazinship and religious as of this day and preventing matters for the further
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX  and Transunion along with creditors place negative information on my credit file inspite of the law and the coronavirus pandemic. The president stated that your credit could not be ruined for no or late payments. I have not worked since XX/XX/2020 cut to being a essential worker at the airport with medical underlying conditions. I was denied SBA loan due to experian credit report showing late payments and a declined credit score. That was the only factor that stop me from getting money to help my family and I was denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE ACCOUNTS IN MY NAME I HAVE MADE A CRIMINAL COMPLAINT TO LOCAL AND FEDERAL AGENCY I am writing to request and initiate a formal complaint against Equifax, XXXX XXXX XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX XXXX XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit card or prepaid card

On XXXX XXXX, 2018, I was charged a {$290.00} XXXX bill on my American Express XXXX for Business card. I have more than once told American Express that I had cancel the goods ( tickets ) and should not be charged. Yet, American Express keep billing me for that amount, despite telling Amex that I have proof in email of that cancellation. I have opened a 2nd dispute ( chargeback ) but still no resolution as of this writing.
Product: Credit reporting or other personal consumer reports

I have sent letters to all 3 credit agencies and have been receiving pre generated responses from their system as if they cant help me with my request- There is information on my file that needs to be removed and updated - I have not gotten any responses or verification that they have even attempted to assist me
Product: Credit reporting, credit repair services, or other personal consumer reports

Innovis is reporting XXXX XXXX XXXX on my credit report its infringement upon a consumers rights to privacy pursuant 15 USC 1692
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you 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, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX XXXX Balance : {$8100.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX  XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$400.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed incorrect information to all three credit bureaus several times and they have not removed adverse information off of my credit report. I have called disputed online through XXXX XXXX as well as directly and they have not removed the incorrect information. I have asked for proof to verify in writing the debt that they keep reporting that is owed and I have not received any verification proof or documentation from the original creditor, the third party debt collector or the CRAs. I am requesting that all errors and incorrect information be removed from my report immediately according to the FCRA.
Product: Debt or credit management

I have been a customer of Cash App forever. 5 years and when I signed up it was a personal I count and I was trying to call them to change it from a business account to my personal account. But there were no one to receive my calls. 
SO every transaction Was a extra fee That is different from a business page and a personal page. So for a nice long time, I was trying to get it fixed and I couldn't do it myself. But they had no XXXX XXXX number or customer service.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Bridgecrest allows their borrowers to request an extension on a payment, but they are discriminating against me and not allowing me to request this. 

They are adding unnecessary steps advising me that my account must be delinquent before I'm allowed to request a forbearance. I feel they are doing this intentionally in order to discriminate against certain borrowers. 

When I called to speak to a supervisor and let them know my situation I was laughed at and humiliated and told I was speaking to highest level supervisor and they also refused to assist me in this matter. 

I should be able to call before my payment is delinquent to request a one month extension. I will be traveling and unable to call after the payment due date. I am being a responsible borrower doing the right thing letting the service know early and they are doing everything possible to force me into a negative credit situation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XXXX and XXXX bank is reporting to several credit monitoring companies and a company called Early Warning LLC that I had an account with them. I have repeatedly contacted them asking for the documents that would verify that I opened the accounts and time and time again have been denied. I have given then police reports stating that I was a victim of identity theft and they have yet to remove the information.
Product: Credit reporting or other personal consumer reports

The tradeline is inaccurate because I am not legally obligated to XXXX XXXX XXXX XXXX in the amount of {$34000.00} for the alleged chargeoff deficiency claim. 

Although XXXX XXXX XXXX XXXX was closed, it shows open. It contains inaccurate information regarding my account. Charged off accounts can't be open. Please delete immediately. 

Furthermore, the tradeline is incomplete because you have not verified the date of last activity with the creditor XXXX XXXX XXXX XXXX, since I had begun dispute regarding this creditor, it appears no actual creditor investigation was actually done, because the date verified did not change. Your verification procedures have allowed this which has been harmful to me and my family. The balance of {$34000.00} is not correct, and the date of late activity has re aged. Please delete it.
Product: Debt collection

Sent a letter of validation XX/XX/2022. By certified mail demamnding validation for the alleged debt. They have ignored the letter telling them they have 30 days to validate the debt and have sent continued notices for collection of alleged debt.. ihavealsocontacted whom the debt is from allegedly and they said I owe XXXX and the debt is not valid. 

I will add certified mail receipt if needed.
Product: Mortgage

BB & T foreclosed on my home despite many attempts to work with the lender. The Plaintiff is in violation of Dual Tracking in that I have not been allowed ample time to execute all actions to avoid a Foreclosure. My modification was declined XXXX/XXXX/15 and the auction proceeded on XXXX/XXXX/15 leaving little time to explore other options such as the HARP program or Short Sale. Furthermore, I had asked for assistance before ( in BB & T 's ) records yet no record of sending a Loss Mitigation package was unable to be produced. The lender has not been able to provide an original contract. The transfer from the previous mortgage company to BB & T has not been recorded. BB & T claims that the Civil Circuit Court is unable to adjudicate the Case as Dual Tracking is a Federal Matter. The Plaintiff and the defendant filed motions, neither of which was ruled upon in the court, yet the auction continued. The loan could also be considered predatory in nature as the mortgage amount {$1600.00} / mo. leaves a household of XXXX well below the National Guidelines for Poverty.
Product: Credit card or prepaid card

Back in XX/XX/2019 my TJX synchrony Bank store card was lost in the area and someone was using it to buy things at the store totaling {$3100.00} charges started on XX/XX/2019 through XX/XX/2019. I never received a call from the bank to verify if I was making the charges and this was not a normal spending pattern for me and they increased my credit line which I knew nothing about either. They allowed the person to go over my credit line and never called to verify charges. Then I call them when I noticed my card was lost and got a bill with unauthorized charges around end of XX/XX/2019 and they send me the affidavit and stop the card. I sent back the affidavit. Then I get a letter stating in XXXX that they are working on it and then I get a letter later stating that I benefited form it or authorized it and since I have had them reopen the case And I did everything asked of me. I filed a police report, I filed an identity theft report and affidavit and I have been making payments on this balance because I dont want it to affect my credit but I again sent them a letter to dispute again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to 3 credit bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., US DEPT ED XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

The issue is causing me significant distress and XX/XX/XXXX, to the point where I'm having trouble sleeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

Barclays Card US was disputed twice and Ive contacted them requesting a way to resolve this late and derogatory status on my account. I was told Id get a follow up call from Barclay Card and never received it. Id like this removed from my account or have a way to resolve this negative status on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX To : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX, FL XXXX ACCOUNT # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 

You aren't licensed in Georgia Delete this account. 
You didn't apply the notice of dispute to the credit report in the appropriate time frame, which is a violation of the FCRA. 
DELETE THIS ACCOUNT PLEASE! 

Please send a check for {$100000.00} paid to me, to my address listed above.
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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.