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

On XXXX XXXX XXXX I mailed to Experian certified letters disputing information that I found to be inaccurate on my credit report. Experian sent me a couple of different emails on XX/XX/ informing me that my disputes had been open and the investigation was processing. Then on XXXX XXXX XXXX Experian sent a couple more emails informing me that those same disputes, long with the investigations had been completed. 

Experian stated that the account listed XXXX XXXX XXXX XXXX XXXX  had been verified as accurate as well as account listed XXXX XXXX XXXX XXXX had been verified as accurate as well. How can this be possible when the last date reported is inaccurate and the current payment status and also the open date is inaccurate. This is grounds for removal, and they also violate my rights under 15 USC 1681 Section 604A Section 2. 

That law states that the consumer reporting agency can not furnish a report without my written consent, and I have not given written consent to furnish these accounts on my credit.
Product: Mortgage

Nationstar Mortgage ( perhaps the worst loan servicer on the planet ) continues with their negligent handling of my loan. They recently sent me correspondence containing numerous errors related to the upcoming adjustments on my interest rate ... i.e. an incorrect floor rate, incorrect first adjustment limits ( too high ), and incorrect estimate payment information. I called customer service and the representative fully agreed with my concerns in reading my Promissory Note and opened a " research request '' # XXXX ; however, Nationstar has not responded and I 've been unable to get any resolution by phone ( after over 1 hour and 15 minutes on hold with XXXX or XXXX, and numerous transfers and hangups.
Product: Checking or savings account

XX/XX//23 I was victim of a phishing scam ; no assets were lost ; XXXX/XXXX/23 bank froze my checking and savings accounts. XX/XX/23 attempted to use existing debit card, declined by vendor. XXXX/XXXX/23 new debit and credit cards sent by USAA, activated ; received communication from USAA indicating that no fraud had occurred. I contacted USAA and requested a re-review of all circumstances. XXXX/XXXX/23 attempted to use new debit card, declined. XX/XX/23 USAA communication indicated that I would receive another debit and credit card. I will activate and likely have transaction declined as USAA organizationally does not appear to have integrated their systems to preclude new cards being sent to subscribers with " frozen '' accounts. 

I have made numerous calls to the security and fraud department of USAA regarding frozen assets, the status of my auto bill pay, USAA insurance, mortgage and XXXX XXXX XXXX payment, accrual of interest on savings account with no response. At NO time did I receive written communication from USAA. Further neither me nor USAA sustained any financial loss due to this criminal activity. 

On XXXX23I drafted a letter to the USAA CEO, Chairman of the Board and Sr VP and General Manager Bank Fraud Management and General Operations . 
This letter identified the situation, reminded them that I had been a loyal subscriber for over 30 years, as well as a XXXX XXXX XXXX XXXX. I am nearly XXXX years old, XXXX with XXXX XXXX and a recent XXXX XXXX XXXX. I requested the immediate closure of my savings accounts and forwarding of a certified check for the account balances so that I can, with a new bank, purchase my medicine, pay my mortgage, XXXX fees, utilities. I have received no response. 

This treatment which I believe is a further victimization of a loyal, senior, vulnerable subscriber, without a clear explanation of the process and access to my funds clearly merits examination from both the highest level of USAA as well as the CFPB.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was funded and I was under the assumption that the payments would be monthly but they were taken on my payday. The money was always taken in the morning, prior to my pay being funded, therefore, causing an overdraft! The next day or a few hours, the company returns the payment causing me higher interest fees. This was done twice before I called the company and asked for an explanation. None of the CSR 's could give me a satisfactory answer, therefore, my financial institution has a " DO NOT PAY '' for this merchant. 

I want to pay this loan off, but the company has fees 400 %, which is " Crazy ''!
Product: Credit card

Erroneous balance transfer to my credit card. Its was added to my Citi card from a XXXX XXXXXXXX, each bank is claiming its the others issue and can offer me no help. I now have a {$4000.00} debt that isn't mine and no help. Each time I called Citi I was told to wait 2 weeks and it would be resolved. The transfer happened in XXXX : XXXX phone calls to Citi and a month and a half later later and no evidence of an investigation they said was done and completed, despite multiple requests. I was told to call XXXX, and XXXX had no information on their end as it wasn't from my XXXX account so they said there's nothing they could do. Today XXXX I called Citi and was told the investigation was completed and now XXXX has to do an investigation but they can't tell me if they are.I called XXXX and was told Citi needs to take care of it. I sent XXXX a secure message with my Citi statements. Each bank is claiming its the others issue, I am left with {$4000.00} debt and no help or communication.
Product: Debt collection

This is the same debt collection attempt which happened previously back in XXXX of this year ( 2024 ). Not sure if it is the same company but it is exactly the same amount they are trying again to collect. This was resolved and closed sometime in XXXX under the premise this is not owed and it is false under the premise them not being able to provide proof or evidence of the fact. 

Why is this keep happening? I need this closed indefinitely. Much inconvenience is caused by parties involved.
Product: Credit reporting or other personal consumer reports

XXXX a list of the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Following national news of Equifax 's data breach affecting 143 million people, I used tools provided by Equifax to verify that my personal data was at risk and then placed an initial 90 day fraud alert on my Equifax credit file on XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Secured Credit Card Dear Sir/Madam, I am exercising my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ) to formally dispute inaccurate and unverifiable information related to my account with [ creditor name ], which has been marked as " charge-off. '' Upon reviewing my credit report, I have noticed the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest : reported balance : {$260.00} Current : balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' Account type : Secured credit card.

Experian : Highest reported balance : {$0.00} Current balance owed : {$0.00} Payment status : Closed, reported as " Collection/Chargeoff. '' It also states that the accounts unpaid balance was reported as a loss by the creditor.

Account type : Credit line secured. 

XXXX : No information reported regarding this account.

These inconsistencies between the credit bureaus, particularly regarding the balance reported, account status, and type, violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which mandates that credit reporting agencies maintain maximum possible accuracy in the consumer information they report. XXXX and Experian report different balances, with Experian listing a {$0.00} balance for the highest amount, and XXXX reports nothing at all regarding this account, creating a discrepancy. Additionally, Experian notes an unpaid balance reported as a loss, while XXXX does not. 

Under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to accurate and clear information about my credit obligations and payment history. The discrepancies between the reports are hindering this right and inaccurately affecting my credit score and history.

I request that you investigate this dispute under the FCRA and TILA, and remove the inaccurate information, including the charge-off, from my credit report. The differences between the credit bureaus indicate the inaccuracy of the reported information. Please provide me with the results of your investigation and a corrected report as soon as possible.

For your reference, I have attached copies of my credit reports showing these discrepancies.

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date the account is opened is wrong : The account was opened in XX/XX/XXXX. 

Wells Fargo Equity Line of Credit : Debt went bad in XX/XX/XXXX of XX/XX/XXXX. 

XXXX XXXX
Product: Checking or savings account

Thursday, XX/XX/2025 I was suppose to receive my direct deposit from my employer. However, it is now Friday, XX/XX/2025 and still have yet to receive my funds. My bills are due, I need to grocery shop, my vehicle needs gas, etc. this is such an inconvenience. I am stressed out! CapitalOne just lost me as a customer once my funds hit my account. I hope theyre going to compensate their customers due this technical issue they claim to have going on.
Product: Debt collection

General Revenue Corporation has been provided my with a collection notice that is not mine and that they are unauthorized to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX, shown as XXXX  XXXX # XXXX, TD/Target # XXXX, XXXXXXXX XXXX Financial, shown as XXXX # XXXX XXXX XXXX XXXX XXXX as XXXX # XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, And XXXX # 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 2 : Also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regard to the above referenced accounts and transactions. I have continued to call and write to the companies and the credit bureaus about my credit report. I do not get responses from no one. XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1400.00} XXXX XXXX  XXXX XXXX {$410.00} XXXX  XXXX XXXX  XXXX {$510.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$260.00} XXXX  XXXX XXXX  XXXX {$910.00} XXXX XXXX XXXX  XXXX XXXX XXXX $ - XXXX XXXX {$1200.00} I have contacted the creditors and the bureaus in hopes of getting this matter resolved. They have not responded to any of my request via phone or in writting.
Product: Credit card

In XXXX I purchased a new home. It was a foreclosure that needed a ton of repairs as it had been vacant for almost a year before. I went to Home Depot to try and obtain a " XXXX XXXX '' to hopefully be able to afford the things I needed. Unfortunately they did not approve the loan but a member of their prodesk said that they could sign me up for a credit card that had a high enough limit to purchase the things that I needed. We walked to the front and went over the pertinent info : name, work info, social, etc. They approved me for a {$5000.00} credit card, so i purchased a full kitchen suite and flooring for the new house, maxing out the card immediately. A month goes by and I returned some products so I went to check the balance of the card to make sure they cleared and made a small payment. A few days later I received a call from someone from Home Depots credit card service asking about unpaid invoices. Not sure what they meant, I asked what the invoices were about and they named the items that I had purchased. I told them I had made a payment online a few days prior which they confirmed, but then they informed me that the card I had signed up for a was a " paid in full account. '' Something that had never at any point been disclosed to me. Had it been disclosed, I never would have spent all that money. I have made every effort to work with the XXXX to have this line converted to a revolving line of credit however they were unable to approve the change without opening a new line of credit, then transferring this amount to the new card. However, when they tried to do that, I was ineligible DUE TO THE BALANCE ON THE EXISTING CARD. I 'm not sure what to do now. they have been reporting to credit bureaus monthly for the last few months as late payments because the entire balance of the card has not been paid. My credit score has fallen nearly XXXX in that time to XXXX and the entire {$5000.00} amount will be sent to collections after 120 days. I attempted to work out a home equity loan with my bank to try and pay off the debt with that, however was unable to because of my credit score and the length of time since my last credit line was opened. So in essence, I am unable to access the equity in my old townhouse ( ~ $ XXXX ), which would only be used to consolidate existing debt due to my newly lowered score and my newly existing debt. I do n't know where to go from here. I 've tried to work with the store and the credit company and neither XXXX is capable or willing to help. All I want to do is make payments on the card that I was not fully informed of the terms for. I never would have signed up for the card had I known it would have turned into all this. I 've always been a Home Depot shopper, but they are on the verge of losing a customer for life.
Product: Credit reporting or other personal consumer reports

My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXX XXXXXXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it! 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form 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

I am writing to inform you that I have been a victim of identity theft. Upon reviewing my credit report, I identified the following accounts listed across XXXX, Equifax and XXXX that are fraudulent 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 The following personal information is incorrect also : [ XXXX ] Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX [ Equifax ] Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize these accounts and I demand that these fraudulent accounts be blocked and removed from my credit report immediately.
Product: Credit reporting

There is a Public record that is not mine on my credit file. I have reached out to the company a number of times to try to get them to resolve this issue with no resolve. This is causing me anguish and not allowing to move forward with my life and is affecting my credit score in a negative manner. I want this issue handled and the file deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. I am filing this complaint for my self because I did not receive a response for debt validation from Portfolio Recovery Associates as previously requested. 

I am in dispute of the account you are furnishing against my consumer report. I am requesting validation of this debt using the exact criteria below. 

Please provide the following : Name and address of alleged creditor. 


Name on file of alleged debtor. 


Alleged account # Address on file for alleged debtor. 


Alleged account # Amount of alleged debt. 


Date ( this alleged debt became payable ) Date of original charge or delinquency. 


Was this debt assigned to a debt collector or purchased? 


Amount paid if debt was purchased. 


Commission for debt if collection efforts are successful. 

Please attach copies of the following : Agreement with me that grants Portfolio Recovery Associates the authority to collect this alleged debt. 

Signed agreement I have made with Portfolio Recovery Associates, or other verifiable proof Portfolio Recovery Associates has a contractual obligation to Portfolio Recovery Associates. Any agreement that bears my signature and the XXXXignature of Portfolio Recovery Associates or their registered agent, wherein agreed to pay Portfolio Recovery Associates. 

All statements while this account was open. 

Have any insurance claims been made by any creditor regarding this account? 
Please circle yes or no Yes No Please provide the name and address of the bonding agent for Portfolio Recovery Associates in case legal action becomes necessary : Authorized Signature of Portfolio Recovery Associates : ______________________ Date : __________________________ You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. 

Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act.
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 XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : 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, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I filed a complaint with XXXX, XXXX XXXX, Experian and I didn't receive a response back until back until XX/XX/XXXX. This date is way passed the 30 days time frame allowed. I am requesting these following items be removed from my report 1. ACCOUNT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These account is duplicate with multiple listing as open error please delete inaccurate. Below are the CFPB confirmation numbers to my claim. 

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

On XX/XX/XXXX I mailed off letter to Equifax, XXXX, and XXXX  about so many inaccuracies/errors throughout my entire credit report. So many inconsistent and inaccurate accounts and violations under the FCRA. I don't know which company is correct or inaccurate but I do know its too many inaccuracies and errors and the credit report should be 100 % accurate. I have not received a response yet at all Also, on XX/XX/XXXX I sent letter XXXX  and Equifax about the XXXX XXXX on my report and both are violating my XXXX Rights with these reporting. The bureaus need to be held responsible for the violations and inconsistent reporting. 

I have mailed a Demand to Comply Letter on XX/XX/XXXX for the bureaus.