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

In month of XX/XX/2022, I called USAA to get a renter policy. The Agent, I spoke to collected all our information my wife and I. She gave me a policy number, my monthly payment amount, and asked me to cancel my current policy after midnight. 24 hours later, I tried to get access to my online account to know more about my policy details and set up my payment method, but I was not able to have access. So I called USAA agent to assist me. The first agent was not able to help me and told me that there is a note saying that USAA dont want to do business with me. And I asked her why, she said, she dont know. She transferred me to another agent. The second agent did her best and almost gave me access to my account but she said she had to transfer me to the technical support agent. The technical support agent said I am not supposed to have access to my online account because USAA dont want to do a business with me. While I was talking to her, I got access to my account. Soon I let her know, she know, she quickly quick me out the system. But, she was not able to tell me why USAA dont want to do business with me. She said USAA will send me a letter to let me know why. Couple of days later, I received a letter from USAA, but there was no specific raison why my policy has been terminated. They are talking about material misrepresentation. I sent them twice a letter as they asked to do asking them the real reason of my policy termination but they never responded. They treated me like a criminal. So after sending my second letter on XX/XX/2022 without any feedback I filed complaint against them with California Department of insurance. After that complaint, they called me trying to explain themselves without telling exactly why my policy has been terminated. You will see attached a copy of the letters I sent them, some letters they sent me, and their last letter dated XX/XX/2022. I feel like they dont have any reason. They just decided base on my accent, and my last name that I can not belong to XXXX XXXX, thats why they are saying that they were not able to verify who I said I was. I can be wrong, but thats what I think til they provide me the reason that make sense. I called them couple of times but they never try to double check my identity. How someone who try to steal someone identity, will keep calling you to know why his policy has been terminated. Even send you a letters.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and am requesting the removal of certain accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were part of the data breach, and I believe they should be blocked and deleted from my credit file. 
The accounts affected by this breach are as follows : XXXXXXXX XXXX XXXXXXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX. XXXX - XXXX - XX/XX/XXXX - {$0.00} Additionally, the following inquiries are also associated with this breach and should be deleted : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

This company is violating many rights of mines under FCR. They have not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. AS well this company is in violation under 15 U.S> Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit information and 15 U.s. Code 1681e ( b ) Compliance procedures maximum possible accuracy. I have made many attempts to fix this issues with this company directly but no luck and they are violating my rights and i want the money I am entitled to which is {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP NO EXECPTIONS! 

Dispute XXXX XXXX collection reporting to XXXX as a write of date opened XX/XX/XXXX with XXXX different credit limits not the same as XXXX or XXXX. 

reporting to XXXX as OK payment - charge off account - date opened XX/XX/XXXX and credit limits and date of last payment is not the same as reported on XXXX and XXXX. 

reporting to XXXX as XXXX with date last active XX/XX/XXXX, reported as a loss, date of last payment/credit limits/date opened/ last reported date is not the same as reported on XXXX and XXXX.
Product: Credit card

what Citibank to remove erroneous late payments from all XXXX credit bureau.
Product: Credit reporting

Hello, I lived almost all my life outside of the XXXX in XXXX I just came last XXXX here. I tried today to get my free credit report since I got a credit card last month. They asked me about a credit that I took in XX/XX/XXXX, and a retail card I took in XX/XX/XXXX I do n't remember any of this transactions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XX/XX/2024 Experian XXXX XXXX XXXX XXXX, Tx XXXX Subject : Dispute of Inaccurate Information on Credit Report Due to Identity Theft To Whom It May Concern, I am writing to dispute certain inaccurate information that appears on my credit report. The information listed below is the result of identity theft, and I request that it be removed under the guidelines of 15 U.S. Code 1681c-2, which provides for the blocking of information resulting from identity theft. 

Disputed Information : Account Name : XXXXXXXX XXXX Type of Information : [ e.g., fraudulent account, incorrect charges ] Date of First Reported Fraud : XXXX Amount : {$3500.00} According to 15 U.S. Code 1681c-2, upon receipt of an identity theft report from the consumer, credit reporting agencies are required to block the reporting of information that is identified as being a result of identity theft within four business days. I am requesting that you immediately block and remove the above-listed information from my credit report and cease reporting this information to other parties. 

Enclosed, please find copies of the following documents to support my claim : A copy of my identity theft report. 
A copy of my driver 's license or other government-issued identification to verify my identity. 

Please investigate this matter and remove the fraudulent information from my credit report as soon as possible. I would appreciate a confirmation of receipt of this letter, as well as notification when the information has been removed. In addition, please provide me with a free copy of my updated credit report reflecting these changes. 

Thank you for your prompt attention to this matter. Should you need any further information or documentation, please do not hesitate to contact me. 

Sincerely, XXXX XXXX
Product: Debt collection

The collection agency/attorney LOCKHART, MORRIS & MONT has put a hit on my credit report stating that i owe a collection from XX/XX/2013 WHich this is illegal and i have didputed this before and came off cause of ID theft. 

The balance states {$1400.00} and they keep reporting this still after ID theft and after 6 years. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Incorrect XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that, this dept is old, and was placed on my credit report two years after I was told that I was charged because, I was still in their data base. I left this company before my premium was due. I was insured by another company before my premium with them expired, and before my policy expired. This dept was a car insurance company that I switch from back in XX/XX/XXXX XXXX XXXX  company is a XXXX affliate same people. This company has reported this debt again with a different amount to transunion. This debt has been removed and placed back on the report using XXXX and a larger balance owed. I did n't here anything from these people until I applied for dental insurance called XXXX back in XX/XX/XXXX representative requested my information and submitted it. The rep. told me that XXXX is with XXXX XXXX about 2 weeks later a collection was on my report. If a person truly owe you would, you wait two or more years to place the item in collections and give it a new date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Unfortunately, I am a victim of identity theft. I was robbed a few years ago and the perpetrator took my car, wallet, and phone. Inside my wallet included my cards, license, social, etc. Since that horrible incident happened there has been several fraudulent accounts opened in my name. My credit report reveals credit cards, a car loan, apartment collections, and addresses I have never resided at and the list goes on. This is so frustrating. Can you please help me remove delinquent accounts that are not mine. 

Thanks XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint agagainst Cash App ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

A vehicle that I previously owned was taken into impound. I have shared the report of sale from Washington state, and the name and contact information of the buyer with the credit agency, yet they refuse to remove this from my record. It is seriously affecting my once stellar credit rating, costing me time and money in my real estate transactions.
Product: Credit reporting

File Number : XXXX I have a a unverified accounts from the following : COMENITY CAPITAL/HSN # XXXX Please Delete no record found. 
SPRINGLEAF # XXXX The account not verified please delete. 
XXXX. XXXX This account is a XXXX violation please delete. 
XXXX XXXX, # XXXX, # XXXX XXXX accounts has never been verified error please delete. 
XXXX # XXXX Never done busines with this company please delete. 



XXXX - XXXX XXXX {$2200.00}. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I dispute the validity of the debt they purport I owe. I request that these companies Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that these companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Debt collection

In XX/XX/2018 I reviewed my credit reports and found that there was an inaccurate report of an account that was not mine. I contacted the company Diversified Consultants and requested full validation pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. My request for validation including competent evidence bearing my signature and instrument used to secure a contractual agreement where I am obligated to pay. I made it clear in my letter that the negative marks found on my credit report from the ( 3 ) reporting bureaus from their company or any other company that they represent for this debt that I do not owe is a violation of the FCRA and FDCPA and I request that if this debt can not not be validated you must take steps to have all reporting bureaus delete this entry. 

I have not received a reply from this company and it is over 30 days and they are now out of compliance. Under advise, I wish to informed Diversified Consultants that I am prepared to take steps and file a small claim in my county small claims court. I would like to make this one last good faith effort and ask for the assistance of the CFPB in obtaining one of two things : 1. that this company provide me with full debt validation as per FCRA & FDCPA 2. deletion of this invalidated account from my credit reports
Product: Credit reporting or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXXXXXX. Please delete these accounts ASAP.
Product: Checking or savings account

On XX/XX/2021, I requested TD Bank to close my checking account ( account # XXXX XXXX and move my remaining funds to my savings account via tdbank.com account secure message, but they never did it, and charged me {$25.00} account maintenance fee later on the same day. 

TD bank even limited my eligible transfer amount so I can not transfer the remaining amount to elsewhere, my balance thus stay low and TD Bank would keep charging me fees. And during covid-19, I can not go to a branch to withdraw the remaining funds. 

This is unfair and unethical, I need TD bank to refund my {$25.00} fee immediately and close my account as requested.
Product: Money transfer, virtual currency, or money service

I had a lawsuit with XXXX XXXX XXXX XXXX for my XXXX, and I won my case which got me {$6000.00}. They sent me a check from XXXX XXXX XXXX XXXX XXXX  XXXX ACCOUNT. The check was for {$3000.00}, because the lawyer fees were {$3000.00}, so I got the remainder. The date on the check says XX/XX/2022. I cashed the check at my bank which is Chase. They put a hold on the check for XXXX  weeks, and when the hold was lifted they still didnt release the funds to me. They took the money though because when I called XXXX XXXX, and there bank they said the money was taken out by chase, which chase agreed they had the funds but would not be giving them to me due to not being able to verify the check. I gave them all the numbers XXXX XXXX has and they said none were verified and that my money would be going to the government since they cant prove who it came from. I fought for this check and paid my lawyer fees and already had a hard time with my vehicle. Id appreciate it if I can get the money I fought waited and paid for. XXXX XXXX cant reissue me a check since chase took the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Violated The United States Code Law 15 U.S. Code 1681b Permissible purposes of consumer reports by furnishing my consumer report without my written consent please delete items immediately see attachments
Product: Money transfer, virtual currency, or money service

Back in XXXX  someone i let come live with me stole my phone. They accessed my cash app and sent out unauthorized funds. Because my debit card was linked to cash app and the money was coming out of my personal account i filed charges with my bank. They refunded me all of my money. Usually i dont keep a balance on cash app. On XXXX XXXX XXXX XXXX XXXX balance on cash app. Cash app took my monwy and said i owed thwm money. How? The money that was taken from me came out my personal account.
Product: Mortgage

I made a partial payment on the mortgage out of my 100 % service connected XXXX XXXX funds and was going to pay the last {$140.00} that I owed Cornerstone Home Lending when I got my Social Security funds in less than two weeks after I paid the other amount. I had just gone through the 14th time I had fraud and ID theft on my bank accounts and through email, XXXX, phone, and snail mail and everything was a big mess for me financially. This is because I was an intelligence officer in the XXXX and speak XXXX, and had an application to teach XXXX at the XXXX XXXX XXXX that was active when the Russian government hacked into the XXXX XXXX 's XXXX IT XXXX. 

The mortgage payment I made was refused and when I called to find out why, the customer service agent said they only accepted complete payments. Now I owe them money for their late fee as well as the mortgage payment I missed. I had to get help from our local social services office in our county, but the charity that is helping has not paid the overdue payment yet. 

I am making the complaint because this mortgage company will not help the borrower make arrangements to pay less than the complete payment or take a partial payment. Therefore they make more money off the borrowers through charging extra fees and it is easier for them to foreclose and kick the borrowers out of their houses. 

Certainly this should be illegal and the US government should do something about this!!! 

It
Product: Credit reporting or other personal consumer reports

This is now my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) on my TransUnion credit report, and I am beyond outraged. I have had enough of TransUnions blatant negligence and refusal to fix this clear-cut error. Despite multiple disputes and more than enough time to correct them, TransUnion continues to knowingly misreport my payment history while my payment status shows Paid or paying as agreed. TransUnion is knowingly fabricating late payment history when XXXX and XXXX show no such thing. At this point, this is not incompetence this is willful misconduct. Under 15 USC 1666b ( a ), a payment made on time CAN NOT be reported as late, yet TransUnion is blatantly ignoring the law. This is a direct violation of 15 USC 1681e ( b ), which requires TransUnion to use reasonable procedures to ensure maximum possible accuracy a standard it has repeatedly failed to meet. TransUnions refusal to conduct a legitimate investigation, as mandated by 15 USC 1681s-2 ( b ) and 15 USC 1681i ( a ), only further proves its complete lack of accountability and reckless disregard for my consumer rights. This is not just negligence this is willful noncompliance. Under 15 USC 1681n, TransUnion is liable for statutory damages of up to {$1000.00} per violation and given its repeated, ongoing violations, these penalties are stacking up. TransUnion is also responsible for actual damages under 15 USC 1681o, as this misconduct has caused me financial harm, credit damage, and emotional distress. Its failure to comply with 12 U.S.C. 5531 further demonstrates its deliberate disregard for fair and transparent dispute handling.

TransUnions refusal to act is completely unacceptable. I will not tolerate being ignored, dismissed, or forced to deal with the consequences of TransUnions reckless and illegal reporting any longer. Fix this immediately or face further escalation.
Product: Credit reporting or other personal consumer reports

Recently looked at a copy of my credit report and noticed several inaccuracies on my account his account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item am asking you to verity as accurate XXXX account ( Account XXXX & XXXX as shown on your report )