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

I sent this complaint through occ.gov which they said they would forward to CFPB but I have n't heard anything as of XXXX XXXX, XXXX : Complaint filed with occ.gov XXXX XXXX, XXXX On Saturday, XXXX XXXX, XXXX I went into my accounts oline to balance my XXXX checkbook. I noticed an amount paid on one of my USAA credit Card from my USAA Checking Account. I had set up an automatic payment to be made of {$500.00} on the due date. However, they instead debited my checking account for {$310.00}, paid to the credit card. 

I sent an email through their website on Saturday at XXXX CDT. I received a response on XXXX XXXX, XXXX at XXXX CDT from XXXX XXXX , Member Relations Advisor. It was a generic response that said they would look into the issue : " Your email regarding your account payment was received by CEO Member Relations. We regret any frustration this situation caused you, and we assure you that making processes easy for members is a top priority for USAA. Our business specialist will review your account and will follow up with you directly within two business days. We appreciate the opportunity to address your concerns. '' 48 hours later, on XXXX XXXX, XXXX at XXXX I asked for a response. I included a letter to the CEO XXXX XXXX, relating some of the many problems I have been having with this bank, including this latest problem. Most of the problems are related to the online payment system not working or being inflexible on internal USAA payments to the point that I believe they are forcing members to only pay the minimum amount on their USAA credit cards. Other bank cards can be paid reasonable flexibly : i.e. before the due date, multiple times per month and amounts more than the minimums. 

I received a response on XXXX XXXX, XXXX at XXXX CDT. Also very generic : " Your letter addressed to XXXX XXXX was received by CEO Member Relations. Our business specialists will review the issues you raised, and we will follow up to ensure you receive a response. Please know we remain committed to providing excellent member service. '' I sent a response today, Friday, XXXX XXXX, XXXX at XXXX telling them that because I had not received a solution or answer from them in the time they stated, I would file a complaint with occ.gov. 

XXXX/XXXX/XXXX : Attached is a screenshot of one of many error messages I get everytime I try to do my banking.
Product: Debt collection

This debt popped up on my report in XXXX of XXXX, after I starting repairing my credit. I have no knowledge of this debt from XXXX. I requested documentation from XXXX as well as speedy cash, neither could provide any proof. Not even a old phone number that was used. I had no choice but to pay them due to them reporting monthly like it was agreed prior and I was neglecting it every month and it still shows that I missed payments for three months. I contacted them in may and payed the debt off after first contact. It was never agreed to prior. I only paid it because I had no choice. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX United States was the collection agency and SpeedyCash was the original loan holder.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few days ago, I viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. 



These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON : " CONTRACTS WERE CANCELLED '' " NO CONTRACT EXIST '' These accounts are still inaccurate and need to be corrected or deleted as soon as possible ; Here are the things that I want to be verified as accurate : Account Number : XXXX Collector : XXXX Original Creditor : XXXX Status : Unpaid Balance Amount : {$640.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent over 3 dispute plus letters from the courts an XXXX XXXX  an XXXX XXXX  say the info is incorrect ask trans union to delete it from my file but the keep say its correct when they have the paperwork saying otherwise please delete it from my file
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IN THE COLLECTION ARE AFFECTING A LOT AND THEY ARE NOT MINE EITHER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2024 I looked at my XXXX credit reports and saw a collection for a medical debt that I had no knowledge of. I sent a Certified letter to Debt Recovery Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXX, Ny XXXX on XX/XX/2024 a letter to Validate not verify and to send me a signed original contract of this debt, and a contract that I had with their company and proof that they had the right to collect this debt. On XX/XX/2024 I received a letter from Debt Recovery Solutions LLC containing copies of invoices for Accounts XXXX XXXX. These accounts are dated from XXXX, Florida Law for medical debt states that the Statue of Limitation is XXXX years that either the original creditor or collection agency can sue. After receiving this letter I sent once again a Certified letter for Validation and what the Statue of Limitation was in Florida and a contract with my signature and proof that I owed this company and they had XXXX  days upon signing for my letter, and there was No response from them within that XXXX  days. 
According to 15 USC 1681i ( 5 ) it states this ( b ) Accuracy of report 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 USC 1681i ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, 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 ( 1 ) 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.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ; ( i ) the person has been notified by the consumer, at the address specified by the person for such notice, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair, and this company has failed to respond within XXXX  days of notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

ally financial ran my credit report without my authorization
Product: Debt collection

On XX/XX/year>, I sent a cease and desist letter to XXXX XXXX XXXX XXXX, represented by XXXX XXXX XXXX XXXX, regarding an alleged debt of {$2100.00} under account number XXXX and court case number XXXX. In this letter, I invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692g, 15 USC 1692e ( 1 ), and 15 USC 1692c, to demand the following actions : Immediate cessation of all communications with me regarding this alleged debt, except to confirm cessation of communication or to notify of intended legal actions. 
Deletion of all tradelines associated with this account from my credit records. 
Dismissal of all ongoing legal actions related to this debt. 
Provision of a full validation of the alleged debt. 
Provision of an XXXX XXXX for the account detailing all transactions and notations. 
Despite my clear and lawful requests, Absolute Resolutions Investments LLC and XXXX XXXX XXXX XXXX. have failed to comply. They have neither ceased communication nor removed the tradelines from my credit records. Additionally, they have not dismissed the legal proceedings or provided the requested validation and XXXX XXXX. This non-compliance constitutes a violation of the FDCPA and has caused me significant stress and emotional distress.
Product: Debt collection

On XX/XX/XXXX I contacted Credit Systems Inc. They placed a false judgment on my credit report which was removed by the credit bureaus. however I still wanted to discuss it with them because they have me in collections. The debt they had was originally {$230.00}. They then sued me in court and raised my debt to {$1000.00}. They are continuing to raise the amount I owe. I communicated with them I could not make the court date because I was in a hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX XXXX son. They said that 's not their problem and they will continue to charge me interest. I am XXXX XXXX military and by law, the company is required to let the court know that when they " sued '' me. They told me they did n't let the court know and again it 's not their problem. As a service member, I have legal protections against situations like this. The company has lawyers and they know the law. Their blatant disregard for it is inappropriate.
Product: Credit card

I had XXXX dollar loan from Alphaeon credit  thru Comenity bank for dental implants from XXXX XXXX XXXX for my wife. We paid XXXX cash beside loan. Promo ended with me borrowing half through XXXX flex pay CC and remainder from my XXXX loan on my home. The balance transfer fee was the amount my loan fell short of complete payment on XX/XX/XXXX. Comenity bank nor Alphaeon credit informed me of shortfall and my contact info is known to them. XXXX XXXX XXXX in XXXX Florida would never return my calls for assistance nor would the dentists I knew personally help in the slightest. I have paid 28.99 % interest on entire loan and tho I have kept loan current I still owe over XXXX dollars ; ; over the XXXX dollars they should have informed me of. I have shown a lifetime of credit worthiness and have always dealt in good faith. I have dealt with XXXX XXXX and now regret it. I will have paid roughly the same amount for wifes teeth as the home I bought in XXXX. Please help
Product: Debt collection

I received a letter from PayPal by the date of XX/XX/22 PayPal invoiced me to pay {$220.00} which will be deducted from my account in 24 hours with no notice. I dont owe any debt to PayPal Im a consumer and they can not validate I owe a debt.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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

Regardless of the multiple written requests, the public records, inquiries and inaccurate personal information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, EQUIFAX, XXXX ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TXXXXXXXXX  XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; EQUIFAX XXXX XX/XX/XXXX ; EQUIFAX MTG XX/XX/XXXX XXXX EQUIFAX MTG XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; EQUIFAX MORTGAGE SOLUT XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still on my XXXX even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my Experian as well and they refuse to remove as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX GA XX/XX/2022 ; XXXX XXXX GA XX/XX/2022
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have first progresses Secure credit card never missed a payment. I have it on auto pay. 
This was an missed payment reposted it was a already paid on time I contacted their customer support and they promise me to correct the error Until now they did not correct it And Allegedly the late payment was on XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This isn't authorized. Please remove those inquiries on my report.
Product: Credit card or prepaid card

I also found out that there is a home equity loan taken out of my name in XX/XX/2018I dont know what else
Product: Credit reporting or other personal consumer reports

I set up an account at TransUnion. When I tried to log in and put a freeze on access to my credit, the system would not let me log in. I tried resetting the password and TransUnion still would not let me log in. I tried other user names just in case I made a mistake. That did not work either. The latest attempt was made XX/XX/year>. Attempts were made in the prior week as well.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to Trafficking- Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I Kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of debt Bondage and would like for all listed accounts to be blocked and deleted company information is Transunion. Please delete the following accounts, XXXX XXXX XXXX XXXX. {$15000.00} and XXXX XXXX. {$2200.00}
Product: Consumer Loan

I made all XXXX payments to Santander plus XXXX, because I deferred my payment four times during the six year course of the loan. With the deferments my contract paid out XX/XX/XXXX. They tell me I owe over eight thousand dollars in fees. I have been continuing to make monthlyl payments waiting to get enough money to talk to an attorney. I still do n't have money to hire an attorney. Even though I have never missed a payment that I did n't make up, all through my loan and even now they have been and still are reporting me 30,60, & 90 days past due. I called today to get the payment dates they say I missed, because each time they tell me I 'm behind and each of the representatives would give me different dates. Today which is a first, the representative says I have n't missed any payments. I ask then why are you reporting me late every month. In essense she say XXXX my payment is due on the XXXX and if it is not received by the XXXX I am 30 days past due or more depending upon how many days are in the month. Even though my payment is due on the XXXX of XXXX for XXXX and I do n't owe for any other months, If the payment is not received by the XXXX of XXXX I will be reported over 30 days past due. Because I wo n't be making my payment until the XXXX. Because that 's the way my pay period falls. I get paid every two weeks and sometimes it 's on, before, or a few days after. They say I have XXXX day grace period but I always pay in the same month to avoid them repossessing my car. And yes except for this time which the first they did n't say that I was behind or that I am in danger of my car being repossessed. My it 's because of all of the lawsuit they are quilty of. But yet the are still reporting me late. I have not missed a payment since they illegally repossed my car XX/XX/XXXX. And I always pay in the same month, it XXXX the last day of the month, but it 's in the same month. This has and still is causing me a financial hardship financially and they have ruined my credit illegally. It great the XXXX Department suied Santander on behalf of our service individuals for the same things they are still doing to me, but what about the rest of us. Does being a citizen of the United States account for anything, knowing they are doing to other citizens what XXXX Department sued them for doing to service members. Should n't we be recompensed, should n't they be made to take their lies from our credit reports, should n't I received back the money they are embezzling from me. Oh, I have to pay if I want a way to get to work. Do you not count, I 'm too old to join the service but my father, now deceased XXXX. He 's buried XXXX just outside of XXXX, my home town. Do n't you think every citizen deserves justice from this and any other predator. I 'm not the only one who has had or have a loved XXXX or someone they care about who has served this country. All of us should have your help we are the offspring or parent or sibling of someone who has served our country. What about us????????
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate or incomplete information on my credit report that is being reported by Experian.The disputed entry relates to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts are inaccurately reported and do not reflect the correct status of my credit history. Despite my previous efforts to dispute these accounts with the respective entities, the inaccurate information remains on my credit report. This ongoing issue is a direct violation of the Fair Credit Reporting Act ( FCRA ), and I am asserting that this situation reflects negligence and non-compliance under Section 1681o of the FCRA.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i, I have the right to dispute information that I believe to be inaccurate, and your organization is required to investigate and respond within a reasonable timeframe. Despite my previous attempts to dispute this matter and your failure to conduct an adequate investigation or provide a satisfactory resolution, the incorrect information remains on my credit report. This is a clear violation of the provisions outlined in the FCRA. 
I formally demand that you review the disputed information immediately, investigate it thoroughly, and provide me with a written response that includes the findings of your investigation. If you can not verify the disputed information or if it is shown to be inaccurate, I expect it to be removed from my credit report promptly. 
Thank you for your immediate attention to this matter. I look forward to your prompt and satisfactory response.
Product: Credit reporting or other personal consumer reports

Chrysler capital is reporting that I own XXXX from an unpaid lease which isnt correct because I have the title for the vehicle. original the vehicle was a lease then it was bought out from the dealership we completed everything before it was financed from XXXX. I have paid XXXX all payments and now the vehicle is mines. Chrysler capital made some type of error and now they are saying its my fault which isnt correct because they sent the title to the dealership after we paid the lease off thats how we was able to finance with XXXX which accrued back in XXXX