23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

( USAA MASTER PLAN TO COLLECT CANCELLATIONS OF DEBT ) USAA OPENS ( 2 ) Two DELIQUENT ACCOUNTS** This MUST be in Violation of Fair Credit. See attatched Mastercard statement XX/XX/XXXX *bal {$100.00} & Visa end XXXX. XXXX {$470.00} ) attatched were opened by USAA I DID NOT AUTHORIZE OR APPLY BOTH OPENED XX/XX/XXXX. See attatched USAA 1099-C. Visa/MSTR DEBT Account XXXX CANCELLATION DEBT {$9.00}, XXXX Box 5 Borrower ( * WAS ) personally liable Box 1 Date of Event XX/XX/XXXX. USAA COLLECTS USING FRAUDULENT DELIQUENT ACCOUNTS THEY CREATED. SEE ATTATCHED XX/XX/XXXX USAA ( DID NOT SETTLE UNTIL XX/XX/XXXX ** claiming to be deliquent selling account for collection. AND THE NEXT MONTH TWO CARDS XX/XX/XXXX USAA OPENED ) They opened 2 creditcards of member they claimed HAD A PAST DELIQUENT ACCOUNT??? See attatched XX/XX/XXXX CREDIT CARD FRAUD CLAIM claim date XX/XX/XXXX {$470.00} ( UNAUTHORIZED TRANSACTIONS DID OCCURRED. ) see attatched XX/XX/XXXX CFPB RESPONSE. XXXX XXXX of USAA staff CONFIRMED USAA *HELD ME LIABLE FOR THESE UNAUTHORIZED TRANSACTIONS {$470.00}. See attatched USAA REVIEW OF CLAIM. XX/XX/XXXX. USAA DETERMINED *NO FRADULENT ACTIVITY TO GET THE {$9.00}, XXXX BACK BY OPENING TWO FRAUDULENT ACCOUNTS Using my private ID data from MC XXXX USSA DID NOT CLOSE ... .AND then MADE A PAYMENT FOR ID THEFT I DID NOT AUTHORIZE STEALING SOCIAL SECURITY XX/XX/XXXX TO COLLECT THIS IDENINITY THEFT case XXXX. USAA ARE THE CRIMINALS IN MY HUMBLE OPINION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX a natural person is requesting pursuant to 1692g, the Method of Verification for the following disputed account ( s ) : ( 1 ) XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. 
This is rather a request for a Method of Verification where the following items should be provided to ensure the validity of the account ( s ).

Please provide the following items : identity item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit accounts, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.

I have attached all identification documentation to provide my identity so please do not slow this process down! 
Best Regards, XXXX XXXX [ Agent/Beneficiary ] Without Prejudice, All Natural Inalienable Rights Reserved
Product: Checking or savings account

My name is XXXX XXXX, I received a letter on XX/XX/XXXX from a bank called Marcus by Goldman Sachs. 
The letter was an online savings account statement with a summary of my balance at XXXX dollars currently but the problem is that I did not open this account. It appears as the beginning balance started on XX/XX/year>, which I did not do myself. I reached out to Marcus identity theft department to notify them that this is a fraudulent account that I did not open. they started their investigation and one of the things that they need from my end was to notify the FTC department, which I did, but in the prompts to start a claim, I got transferred to you guys to make the claim here instead. I hope you guys can help me since this is very aggravating and annoying to know that someones out there falsely trying to use my information to open fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report 's list of inquiries were inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the inquiries listed below. 
XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting the following 4 inquiries that I do not recognize or authorize and would like removed XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XXXX Equifax Mortgage Serv XX/XX/2020 Also I have improper collection reporting from XXXX XXXX XXXX on Equifax XXXX and XXXX that I would like removed from all of these bureaus
Product: Credit reporting or other personal consumer reports

My information was used to obtain inquiries without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX/XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX   : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX : XX/XX/XXXX However, they sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.
Product: Debt collection

Collection is not from original creditor. I never heard of XXXX XXXX XXXX to owe them {$1500.00}. I never had a contract with XXXX XXXX XXXX.
Product: Credit card or prepaid card

RE : Inability to receive issued Credit on my visa credit card for 2 air travel tickets XXXX and XXXX, credit card # ending in XXXX XXXX XXXX XXXX and XXXX XXXX   XXXX XX/XX/XXXX I filed disputes with my Visa credit card for 2 airline tickets of {$170.00} each, against the travel agency/XXXX XXXX for not refunding my tickets. One of the charges was reversed XX/XX/XXXX, the second charge remained I contacted the travel agency and was told that I need remove the dispute in order for vender to issue a credit for both tickets. 
XX/XX/XXXX I removed the dispute XXXX 2 charges appeared back on my credit card. 

Since then I and the vender have been dealing with my credit card in order to help me credit back my account, but have been unsuccessful due to lack of cooperation from my credit card. 

I have a copy of XXXX- Refund exchange notice, dated XX/XX/XXXX, which indicates a refund for {$170.00} which was never issued as a credit on my credit card. 
On XX/XX/XXXX I received a letter from my bank that {$170.00} charge was reversed, but my account was never credited. 

Despite my multiple attempts, the credit card is not cooperating to resolve my issue. 

This information was provided to me by the vendor ( XXXX XXXX XXXX XXXX  ) Here 's the timeline of the chargebacks sent to XXXX polish by my bank : XX/XX/XXXX chargeback received XX/XX/XXXX chargeback reversed, credit for XXXX  XX/XX/XXXX - pre arbitration received XX/XX/XXXX pre arb accepted by XXXX  as a full refund for ticket, debit posted. 
CASE CLOSED in ccholder favor. 

As far as the airline is concerned : one ticket resulted in dispute in my favor and the 2nd ticket they refunded, but I did not receive credit amount on my credit card statement for either ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a freeze on my credit report with Experian - to do that, I need a PIN which was supposed to be issued via mail when I placed the freeze - although I never got the PIN in the mail. I tried to use their online tools to either get PIN or remove freeze, and the tools did not work - I tried to upload documents via their website to get PIN or remove freeze - the system came back with an error message, multiple times. I tried to call their XXXX # numerous times and their automated response system did not give the options I needed ( get PIN or un-freeze credit ), nor did it give options to talk to an agent. I called their regional offices/headquarters in US and got the exact same voice response options. I tried messenger and posting on XXXX, but no response for hours and then no help. I finally found an alternative number via a web search that got me through to an agent, that I hope has finally helped me - although he could not do it real time. 

Overall their systems are antiquated, processes poorly designed, and they offer no workable way to get help - this is unacceptable, when they are holding my credit XXXX and I can not proceed with necessary financing. The CFPB should demand better from them ; All other agencies have been easy and straight forward to deal with for removing credit freeze.
Product: Debt collection

Reporting is incorrect on all credit reports. I am current on payments as of XX/XX/2019 and derogatory items are being reported.
Product: Credit card

I received an unsolicited, unauthorized and unwanted XXXX XXXX from Sun Trust. I phoned Sun Trust, spoke with XXXX XXXX who said she wanted to verify my complaint and would call me back. In the meantime, my grandson also received an unsolicited, unauthorized and unwanted XXXX XXXX. I phoned XXXX who said my complaints were " going up the ladder ''. After two months without hearing from XXXX, I phoned her to check the status. She said she would check again and get back to me. Not hearing from her, I called back. No answer, so I left a message requesting her to call me. Nothing! I tried many times to contact her with the same result. She would not answer my calls. I have the XXXX XXXX that were sent to me and grandson and both were ready to be used!
Product: Bank account or service

Arsi garnished XXXX $ from my savings account due to my mother 's debt to them she was a secondary signer due to me being underage for the account. She had no access to my funds nor did she make any transactions in my account it is only mine and they seized all my hard earned money I have no gas for car food or bill money due to a wrongful action from a debt company.
Product: Mortgage

My name is XXXX XXXX and I have been looking to try to obtain a loan modification for the last 1 year with my bank M & T who I am confident do not have the original promissory note, I was denied last on XXXX XXXX2017 and I was not given a specific reason why, since XXXX XXXX XXXX has not done much to help and I feel that they are violating my Home Owner Bill Of Rights.
Product: Vehicle loan or lease

To Whom It May Concern : I am writing concerning the above-referenced accounts and transactions. 
This vehicle was repossessed by Chrysler Capital in the State of Louisiana on or about, XX/XX/year>, and resold. 

Under the laws of the State of Louisiana XXXX and XXXX XXXX and XXXX statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Deletion of XXXX XXXX XXXX XXXX Charge-Off and Request for Removal from All Credit Reports Dear Sir/Madam, I am writing to inform you of the recent deletion of a charge-off from my XXXX credit report related to XXXX XXXX XXXX XXXX ( XXXX ) . The account, identified as " XXXX XXXX XXXX XXXX XXXX, '' had a reported balance of {$1000.00} and was listed as a charge-off. 

As of XX/XX/year>, after submitting a formal dispute, XXXX completed their investigation and deleted the account from my XXXX report. Please find the relevant details of the account : Account Name : XXXX XXXX XXXX XXXX Account Type : Charge-Off Amount : {$1000.00} Dispute Resolution Date : XX/XX/year> Outcome : Account Deleted According to the Fair Credit Reporting Act ( FCRA ), a consumer is entitled to accurate and verifiable information being reported on their credit report. Since XXXX has completed their investigation and determined that the information is unverifiable, they have deleted this account from my XXXX credit file. 

In light of the deletion from XXXX, I kindly request that all other credit reporting agencies, including but not limited to XXXX, Experian, and XXXX, conduct a thorough review of this account. If these agencies can not verify this debt, I am requesting that they remove the account from my credit reports as well. The FCRA mandates that credit reporting agencies must ensure that any information they report is accurate, and if they can not verify the information, it must be deleted. 

Legal Basis for Removal : Fair Credit Reporting Act ( FCRA ) Section 1681i : This section states that if any information is found to be inaccurate or unverifiable during a dispute process, it must be removed or corrected. Given that XXXX has deleted the account, the other CRAs are obligated to ensure their reports reflect accurate and verified information. 

Fair Credit Reporting Act ( FCRA ) Section 1681e ( b ) : Requires that credit reporting agencies maintain procedures to ensure the accuracy of the information reported. 

Please take notice that I am requesting the removal of this unverifiable account within 30 days or less. If the account is not removed in the specified timeframe, I reserve the right to pursue legal action, including suing for violation of my rights under the FCRA. I understand that under FCRA Section 1681n, I may be entitled to seek damages if my rights have been violated, including statutory damages and attorney fees. 

I look forward to your prompt resolution of this matter and expect that the unverifiable account will be removed within the legally required timeframe.
Product: Mortgage

Im a co-borrower on a mortgage with my father. My brother filed for bankruptcy two months ago. BSI Financial Services stopped sending statements two months ago when my father contacted the company. The service representative stated there were no problems with the account. My father continued to make payments on time.

Today my father contacted BSI Financial Services regarding the continued missing statement when they notified him that the property was included in a bankruptcy filing in his name. My father then clarified that his son ( my brother ) filed for bankruptcy two months ago, but he has never been a borrower on this loan or any loan along with my father.

I spoke with an account representative today, and she stated she could not provide me with account details as the account is in default due to said bankruptcy filing. I asked how the bankruptcy filing was varied and applied to the loan, to which the representative could not give me an answer. 

I did not get answers to my questions or clarify how this discrepancy would be resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several unauthorized inquiries that are currently listed on my credit report. Despite my previous requests to remove these inquiries, they remain on my report and continue to affect my credit score negatively. 

These inquiries were made without my permission and constitute a violation of the Fair Credit Reporting Act ( FCRA ). According to the FCRA, only inquiries that I have explicitly authorized should appear on my credit report. I have never applied for credit or given my consent for these companies to review my credit report.
Product: Credit card or prepaid card

I am writing because I am a victim of identity theft. I checked my credit report and I found quite a few accounts and inquiries on there that I didnt recognize nor did I authorize. I, the consumer, ask that the items on my report be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Delete these items ASAP. Also I NEVER gave any consumer reporting agency WRITTEN CONSENT to report any of the accounts provided in the attachments on my consumer report which violates my rights as a federal protected consumer which is a VIOLATION of 15 U.S Code 1681b - Permissible purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to know the name of the furnisher of the information or the vendor that collected the information from a public record source, that reported to TransUnion that I have a bankruptcy. 
I am not disputing, nor asking for accuracy of the bankruptcy. 

Please answer that one question plain, clear and simple.
Product: Credit reporting, credit repair services, or other personal consumer reports

1-I believe Experian Information Solutions Inc. retaliated against me again ruining my credit report which is free of any miss-payment or any negative item but the Experians externality or Retaliatory inclusion of the same information over and over and forcing me to dispute it over and over wasting my time and destroying my financial reputation and contributing in causing me irreparable damages and losses. I checked my credit report with the other two bureau and it seemed they were deterred from doing what Experian now has the habit of doing against me of retaliation and terror without on the watch of who could stop it by law.so far the other two bureaux they did not have the Retaliatory information that Experian seemed unwilling to refrain from subjecting it against me in violation my rights under the FCRA, in violation of my consumers rights under CFPA and in violation of my Virginia state law too. 

2- I believe Experian Inc. mislead the CFPB and myself when it stated the following which is documented in this CFPB platform : Per your request to conduct an investigation, we contacted the data furnisher to verify the accuracy of the information with which you disagree. The disputed account has been removed from your credit report. well it is not trutful no serious investigation was that of experian if the same Retaliatory information is my Experian credit report as of today XXXX XXXX. 

3- I believe Experian Inc. dishonored institutions and role of law recklessly. So it is not the first time and it seemed not the last Experian mislead and reply to a complaint in unethical business manner. 


I reserve all my rights including right to sue Experian information solutions Inc. and I have right and my freedom of speech to Expose Experians terror against me and my family in every way. 

When will the CFPB and authorities with jurisdictions stop XXXX retaliation and terror it seemed not refraining from doing it in violation of the law? 

all stated herein is to my current states belief, knowledge, and understating and it is subject to anything or any correction by my person, XXXX XXXX, at any time without prior notice and without waiving my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accounts showing on my Experian credit report. The account numbers are : XXXX, XXXX, XXXX, XXXX. First and foremost, these accounts are fraudulent accounts. Second, Experian is allowing XXXX to change dates on the account and change the account history in order to Re-Age the accounts and also Reset the Statue of Limitations. I spoke with 2 representatives of Experian on Sunday, XXXX and XXXX. They both informed me that Experian signs a contract with the creditor and the creditor promises through this contract that they will report accurate information to the credit reporting agency. However, neither XXXX nor Experian are abiding by the contract nor being truthful. These accounts are continuing to be reported and they are Fraudulent. XXXX is deliberately attempting to Re-Age these accounts and also Reset the Statue of Limitations. Experian is allowing this violation of the FCRA an FTC to happen. This is Illegal and therefore should on so many grounds be removed from my credit report Immediately. I have attached copies of my credit report from different dates showing how Experian has allowed XXXX to Re-Age and Rest the Statue of Limitations on these accounts.
Product: Credit card or prepaid card

Over {$11000.00} was added back to my account and Barclays attempted to extract a minimum payment of {$1500.00} from my private checking account. When I saw that wasn't going to clear, I had to put a stop payment on the {$1500.00} charge ( costing me fees from my Credit Union ). Then because Barclays attempted to put it through twice, Barclays hit me with XXXX {$40.00} returned check fees and a late payment fee. I had made an early payment on XX/XX/XXXX of {$150.00} ( close to twice of what my minimum payment should have been and the payment was not due until XX/XX/XXXX. ) Then, Barclays abruptly shut off my credit and unbeknownst to me, lowered my credit limit to slightly above the new balance. If that was not enough, my credit report was affected and my XXXX score shows an XXXX point drop ( solely due to this. ) I had no late payments on my credit report before and my credit capacity was high. Now it is showing a late payment and overbalance. I just don't know how to remedy all this and get it back to where it was before all the previous complaint happened. How can this company even make this right at this point? I'm sure they will figure it out, remove the extra charges and hopefully reinstate my full {$9600.00} capacity, but they can not fix my ruined credit report. 

I have now lost credit capacity on another card as well solely due to this whole debacle.
Product: Mortgage

I purchased this property on  XXXX   XXXX ,  2016   ( fo reclosure ). I have paid my Mortgage every month until  XXXX . In  XXXX ,    2016  my mortgage lender informed me that I owed {$8600.00} property tax that they paid on my behalf. I have contacted DCRA, and was told the property is classified as Vacant and Blighted, and D C Tax & Revenue Office to res olve this matter. I have done the leg work for the mortgage company from  XXXX  til now and provided them how they can  get their refund back from DC Tax Revenue Office, How ever, before this matter is resolved my mortg age loan has been sold to another company. I have started all over again explaining my situation, since they are demanding to get paid the above amount. In  XXXX  my first mortgage loan company return my payment and advised me that the loan has been sold to another company Finally after my case went to  the Tax Appeals Commission Court, and granted the request for removal of the vacant and blighted property designation, I have attached a few documents to support my case.