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

We noticed unauthorized charges on our USAA credit card on XX/XX/18. We notified USAA fraud department about these charges and to cancel our card. There were 4 charges at 4 different XXXX XXXX in a matter of a few hours apart in XXXX. All 4 transactions were for over XXXX each. We subsequently called XXXX XXXX ourselves, and they were able to tell us that each of the unauthorized charges were for XXXX XXXX gift cards at each location along with other misc. items XXXX totaling over XXXX ). XXXX XXXX also provided us with the times that these transactions took place. We were not in XXXX on that date or those times, and have always had possession of our card. We assumed the matter had been handled, and we would not be responsible for these charges, since there is a " no liability '' clause in the credit card agreement for unauthorized charges. 
On XX/XX/2018, we noticed the same charges for over XXXX total back on our account. We received NO notification via phone, email, or text as to why the charges were showing up on our account again. We once again, called to cancel our card thinking it was more unauthorized charges. These charges reappeared well over 2 months after we reported them. When talking to the fraud dept., to our surprise, we were told that they could not see fraud on those charges since a chip had been used, and " cards with chips have never been compromised ''. We informed them that we were never out of possession of our card, so that can't be correct. We thought we were alone, but after reading a large number of complaints online about the same thing happening to other customers, we realized there is a serious problem in the USAA banking fraud department. My XXXX had been with USAA for over 40  years and has never encountered such a thing before. We are not responsible for these charges. We need oversight on this company for our sake and the sake of other XXXX families that trusted USAA. We are doing all that we can to rectify this wrong that has been done to us. We have filed police reports, contacted local police where each of the charges occurred, and have been working with XXXX XXXX to get as much information as possible. We were never told what investigations had actually been done by USAA, only that chips can't be compromised. This is not just a few dollars, it is over XXXX dollars and our excellent credit rating is in jeopardy, because we will not pay for something we did not receive. To be totally dismissed by the fraud department is a warning to everyone to get out of this bank as soon as you can.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, IA  XXXX Account # XXXX Dear Sir/Ma'am, I am writing you this letter regarding payments that were marked late by your company for the following accounts on the following date ( XXXX ) : ( XXXX, XXXX ( XXXX, XXXX ( XXXX ( XXXX, XXXX It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me. 
Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than XXXX days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15.

You have 30 days from the date that you receive this letter to provide me with the information that i am requesting. If you do not provide this information in the allotted time given, then it will be assumed that you can not verify the late payments on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would timefore request that you remove the late payments from my account and consumer report with the following consumer reporting agencies ( Equifax, XXXX XXXX XXXX or all that apply ) and update the accounts to positive. 
Please forward any changes to my account to the address below. Thank you for your time and consideration in this matter. I look forward to hearing back something positive. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California and XXXX XX/XX/XXXX XXXX Cc : XXXX XXXX States Attorney General
Product: Credit reporting, credit repair services, or other personal consumer reports

Please verify these accounts that are affecting my credit report.
Product: Debt collection

Out of the blue this list a collection from 2009 that is not mine. They are doing this to negatively effect my credit and refuse to validate the debt or give ANY info in the debt. Its clearly being done to harass.
Product: Debt collection

I have never done business with " Procollect Inc '' at procollect.com. I thought I owed them money and found out that I never did. Procollect Inc made threats to damage my credit and my significant other 's credit as well. I now feel foolish and cheated for paying these people, only to still have a derogatory mark on my credit. This has financially impacted both myself and partner. I never signed any contracts with this company and I did not give permission for them to have my personal information. I looked these people up on the internet and it appears as though they have scammed many others. The business is not XXXX XXXX XXXX XXXX XXXX XXXX  accredited and has XXXX complaints from the past 3 years logged against them at the time of this submission. I paid the debt to these people because I thought that that I really owed them as I am both young and didn't know better at the time. They called me multiple times and threatened legal action if I did not comply with their requests to pay by their specified deadline. 

My partner and I collectively paid {$560.00} on XX/XX/2021 and our credit was lowered over XXXX points each via reporting from " XXXX XXXX XXXX XXXX ''.
Product: Checking or savings account

{$3500.00} was moved from my savings to my checking account and XXXX  to someone who goes by the name XXXX XXXX on XXXX. This happened on XX/XX/year>, and Bank of America refused my claim and did not provide any assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time around. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate adjustment of the following erroneous information on my credit report : 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 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

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I viewed my credit because I was denied for financing ... XXXX unbeknownst to me this creditor/collection agency has placed 4 unknown collection accounts on my credit. I have not received not 1 notice in this regard. I have no knowledge of the accounts or what the debt is for. I was never notified- I saw the accounts on my credit and broke into tears. 

Portfolio Recovery Account Numbers XXXX XXXX XXXX XXXX I have also filed a complaint with the XXXX and the FTC for violation of the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to formally request an investigation and deletion of the accounts that appear to be misleading and inaccurate on my credit file, as per the provisions of the Fair Credit Reporting Act. The Following accounts shold be investigated and corrected by eahc of the Credit Bureaus respectively : For the Account XXXX XXXX XXXX. XXXX Balance : {$0.00} I have always had a stellar payment with this account as XXXX and Equifax can see. I do not know how this account suddenly reported as late! There is a clear negligent of duty here, as XXXX and Equifax are clearly reporting unverified and misleading information. I understand the importance of maintaining a positive credit history. However, this late payment does not reflect my overall creditworthiness. I have a strong track record of making timely payments, and the late payment XXXX and Equifax report on this account has caused me damage. I do not know where XXXX and Equifax got this information, but I need XXXX and Equifax to have this account removed for reporting erroneous and damaging data. 
And the Following accounts : XXXX XXXX XXXX XXXX Balance : {$0.00} and XXXX XXXX XXXX Balance : {$0.00} I need to bring these issue to XXXX XXXX attention as this inaccurate reporting of information has caused me severe damage. THIS ACCOUNT IS ONLY REPORTING ON XXXX CREDIT BUREAU. The information XXXX is reporting on this account is already outdated and misleading. I do not know how and where XXXX was able to maintain this outdated information, but XXXX 's continued report of such information is unacceptable. If only XXXX 's Record Keeping had been accurate and if XXXX actually kept tabs, this account should have never been reported at all. Under the protection of the Fair Credit Reporting Act, I request an immediate deletion of this account completely from my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

I sent dispute letters viaverified mail over XXXX  days ago regarding the unverified inquires that are on my credit report. I have not received a response from Transunion and the inaccurate items on my credit report have not been removed. 

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 XXXX XXXX XXXX, XX/XX/XXXX According to the Fair Credit Reporting Act, Under 15 USC 1681 ( a ) under the exclusion section number ( b ) anything that was extended or authorized from a credit card should be excluded from a consumer report.Congress defines a credit card as any card, which is under truth and lending 15 USC 1602 " ( l ) The term credit card means any card, plate, coupon book or othercreditdevice existing for the purpose of obtaining money, property, labor, or services oncredit.
Product: Credit reporting or other personal consumer reports

I discovered again that some of the information on my credit report was 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 proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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
Product: Payday loan, title loan, or personal loan

I have an existing loan with Power Finance. I received an email on XX/XX/2021 stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$98.00} available to you! 

The email provided a log into my account option. Once there, however, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

I received another email today ( XX/XX/2021 ) stating : Borrow more money today! Need more money? 
Refinance today! You have an additional {$74.00} available to you! 

Again, the email provided a log into my account again ; and again, there was no tool to take advantage of the additional funds. I called. The message stated the office was closed for the holiday. 

So, there were two offers, but no tool available to take advantage of the offer and the telephone message stated the office was closed for the holiday. 

I went ahead and reapplied for a {$100.00} loan and was approved. The problem with taking this step is that my bi-weekly payment is now increased from what it was. If the online option had been available as was implied, my payment would not have increased since it was a simple increase to the loan 's bottomline based on the amount I had already paid off.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute several fraudulent accounts reported under my credit profile. I am submitting this request in accordance with the Fair Credit Reporting Act ( FCRA ) and would like these accounts removed promptly. As a survivor of human trafficking, my identity and personal information were compromised, leading to the unauthorized opening and reporting of the following accounts : XXXX XXXX Equifax : XXXXXXXX XXXX XXXXXXXX These accounts were opened or reported without my knowledge or consent, violating my rights under the FCRA. Specifically : 15 U.S.C. 1681 Section 602 ( a ) This ensures my right to privacy and accurate reporting. 
15 U.S.C. 1681 Section 604 ( a ) ( XXXX ) Consumer reporting agencies can not furnish accounts without my explicit consent. 
To support my dispute, I have attached the following documents : A personal statement detailing my XXXX  situation. 
Additional records, where applicable, to verify my identity and substantiate my claim. 
I request your immediate review and removal of these accounts from my credit profile. Please confirm receipt of this dispute and inform me of any additional steps or documentation required. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I received an email " congratulating '' me on the opening of my new checking account with Chase Bank as well as my new credit card also with Chase Bank within minutes of each other. Three minutes later I received emails that stated my contact information had successfully been changed as well as the same with my email address on file. I was successful in communicating this with Chase Bank and they were able to cancel both the credit card and checking account ( with debit card ) before it appeared that any charges could have been made. Chase did verify that the accounts were indeed set up and this was not a false accusation on my part.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX ID TYPE : Drivers License ID # : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Early Warning I am writing to request an investigation of the following that appears on my XXXXXXXX XXXX consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXXXXXX Account # : XXXX Routing # : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX Routing # : XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XXXX Account # : XXXX Routing # : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Synchrony Bank has lowered the credit to all my accounts for no reason. I recently paid off several other accounts, so Im not understanding why they consider me high risk or too many high balances when they are the ones making it higher, when I owe less than half of the amount. Care credit card, XXXX XXXX card. Car care card all within the last few months. I have NEVER been late on any payments with any of these accounts. It is unfair how people work and pay their bills ONTIME and some actually lump sums. I understand that were still in a pandemic but this is unfair practices and treatment of a long time customer.
Product: Debt collection

I've spoken to several different representatives in an effort to have my contact information removed from their records. I do not have uncollected debts and all my active credit accounts are either paid in full or have ridiculously low balances at the moment. I was informed that I can show up for court and request for my information to be removed. I have received not written legal documentation regarding any legal complaints or court filings. I finally requested their contact information : SUNSET SOLUTIONS GROUP LLC, XXXX XXXX ATTORNEY AT LAW, XXXX. I was not provided with a mailing address, but was given a phone number to have legal representatives contact them XXXX.
Product: Debt collection

I am a victim of identity theft. I have no contract nor have ever received any benefits from FREEDOM MORTGAGE. I have no knowledge of this company. I deny their claim that I owe them {$280000.00}. I have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and I decline to perform on any unverified note unless I am given the said amount above in cash. No payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit. There are also forged signatures on said note that are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint against Experian, one of the major credit reporting agencies, for their blatant disregard of my repeated requests to investigate and remove inaccurate information reported on my credit file. Despite providing substantial evidence, including proof of residence for the past 10 years, a valid driver 's license, utility bills, leasing agreements, and a police report, Experian has refused to take the necessary steps to rectify the inaccuracies in my credit report. Their dismissive response, in the form of a generic email claiming that they do not believe I submitted a request for investigation, is both unprofessional and unacceptable.

The following issues that Experian has refused to investigate are as follows : Inaccurate Address Information : I have provided extensive documentation to establish my residency history over the past decade. This includes leasing agreements, utility bills, and a valid driver 's license. Despite these clear proofs, Experian has failed to update my address information accurately, leading to discrepancies in my credit file.

False Delinquency Report : Experian has erroneously reported a delinquency on one of my accounts, which is completely unfounded. I have provided all relevant evidence, including payment receipts, bank statements, and correspondence with the creditor, demonstrating that the account is in good standing. However, Experian has chosen to neglect this evidence and maintain the false delinquency entry on my credit report.

Identity Theft Concerns : I have provided a police report documenting a case of identity theft that resulted in fraudulent accounts being opened in my name. Despite the seriousness of this matter, Experian has failed to conduct a thorough investigation and remove these fraudulent accounts from my credit report, thereby compromising my financial well-being and creditworthiness.

I have made numerous attempts to resolve these issues directly with Experian, providing them with all the necessary evidence and documentation. However, their inadequate response and refusal to take appropriate action have left me with no choice but to escalate this matter to the Federal Trade Commission, the regulatory authority responsible for overseeing credit reporting agencies.

I kindly request that the Federal Trade Commission thoroughly investigate this matter and hold Experian accountable for their disregard of my rights as a consumer. Additionally, I urge the Commission to take appropriate measures to ensure that Experian rectifies the inaccuracies in my credit report promptly and provides me with a written confirmation of the corrections made.

Enclosed with this letter, please find copies of all correspondence between Experian and myself, including the generic email response, as well as the extensive evidence I have provided to support my claims.

Thank you for your attention to this matter. I trust that the Federal Trade Commission will take the necessary steps to address this complaint and ensure a fair resolution.
Product: Debt collection

We owed {$320.00} to original company ( XXXX ). After a phone call from them regarding payment, I advised them I never got a bill. I gave them my current address in XXXX. It took three phone calls for THEM to get it correct. By that time they put the debt into collection ( Transworld Systems , Inc. ) I paid the bill on XXXX XXXX, 2015 after finally getting an invoice from XXXX. On XXXX XXXX, 2015 received a call from debt collector ( Transworld Systems XXXX. I advised them that this account had been paid on XXXX XXXX. Transworld said they did not get payment info from XXXX and needed it. So I called XXXX and was told they would send payment info to Transworld. In XXXX, 2015 received call from Transworld again and also XXXX XXXX. I called XXXX and spoke with XXXX and advised of the harrassment from Transworld. She called XXXX and they denied calling me. Today ( XXXX XXXX, 2015 ), I received ANOTHER notice of collection from Transworld Systems , Inc . I again called XXXX and spoke with XXXX regarding notice from Transworld. He advised that my account was paid and he did n't understand why Transworld was sending me a notice. He advised that he would send this complaint to his supervisor and have him/her call Transworld tomorrow ( XXXX/XXXX/15 ). I did advised him that I would be filing a complaint as not only was Transworld Systems Inc. harassing me but XXXX was also at fault for not making proper corrections to my address so I would get the invoice and be able to pay it in a timely manner thus avoiding collections. Address for Transworld Systems , Inc. is : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. Telephone # XXXX. Address for XXXX is : XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone # is:XXXX. I hope someone can do something about this company ( Transworld Systems , Inc ) harassing me. This has been more frustrating than recovering from XXXX.