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

In accordance with the fair credit reporting act XXXX  account # 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 ; it 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

FOR THE 30TH TIME, NOT MY ACCOUNT.
Product: Debt collection

It is inconceivable that, in the face of irrefutable proof of fraudulent activity, your bureau continues to deny the removal of these accounts. I find it absolutely unacceptable that I should suffer the consequences of identity theft or erroneous reporting when I have diligently followed the proper procedures to rectify this situation. I was the victim & Im not sure why the FCRA is not complying with the law. This is not how victims should be treated. I am asking for justice and yet, it seems you do not give any attention and ignored our complaint. 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXXPLEASE DELETE!!!! 
I demand an immediate and thorough investigation into why these fraudulent accounts persist on my credit report, as well as an explanation for the repeated denials to remove them. It is your duty as a credit reporting agency to ensure the accuracy of the information you provide, and the presence of these fraudulent accounts contradicts the principles of fairness and accountability. 
I insist that you take prompt and decisive action to rectify this gross oversight. The burden of proof rests squarely on your shoulders, and I expect your agency to act in accordance with the Fair Credit Reporting Act ( FCRA ) to promptly correct this damaging error. The continued presence of these fraudulent accounts is not only damaging my credit score but also causing undue stress and hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a paid off XXXX loan, XXXX XXXX. It showed up on all of my reports and now it completely disappeared from my credit report. The account was paid in full and I got no credit for it. It disappeared from Experian and XXXX credit reports. It also never showed up on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my final payment to SST/XXXX  on XX/XX/XXXX. I have evidence of all payments made via my bank statements and I sent them proof through XXXX dispute and they still refused to update my account as paid in full. I disputed 2 times and SST keeps reporting a balance that is higher than last time. The total paid is {$5100.00} including interest way over the amount of the loan. I only took out {$3500.00} and was given {$1000.00} up front. This was a credit builder loan through XXXX XXXX Bank where I would receive the rest after completely paying off the loan. I applied through XXXX XXXX. XXXX XXXX transferred my account to their partner SST. If, I didn't pay off the loan, then why was I paid in XXXX {$2500.00} that was owed to me. The payments made from my bank account shows SSTXXXX ( via my debt card ) and also Withdrawal from Service and Systems loan ( paid via ACH ). So it shows two different ways on my statement but the same people and you can check with my bank to verify. This account needs to be updated as paid full. They would not have given me the {$2500.00} if I didn't pay them in full. It was a nightmare trying to get the money that was owed to me after pay off because they refused to give it to me and made up lies that I did not pay. So, when I finally got my check in XXXX, I was happy but now they are trying to say I still owe. Again, why pay me then? It shows on my bank statement and the image of the check from SST ( Systems and Svcs Tech Inc ) that {$2500.00} was paid to me.
Product: Credit card

I was overcharged {$340.00} for XXXX XXXX performed on XX/XX/XXXX by XXXX XXXX in XXXX XXXX  MO.After 5 months of XXXX, XXXX XXXX called me and informed me on XXXX XXXX, XXXX that they were sending me a check. No check was ever received. 

I submitted a fraudent charge complaint on XXXX, XXXX to my credit card company Citibank Mastercard . After hearing nothing, on XX/XX/XXXX I contacted Citibank for a status report. They informed me they had lost my electronically filed complaint and I would now required to file a written hardcopy compaint which I did. 
On XX/XX/XXXX I contacted Citibank Mastercard who indicated they had received my hardcopy complaint and would order an expedited response. 
On XX/XX/XXXX I again contacted Citibank Mastercard who stated they have no record of any complaint filed before XXXX XXXX, XXXX which is just outside their 6 month time limit for any action on fraudulent credit card losses. I cancelled my credit card in disgust with Citibank 's fraudulent actions regarding my dispute.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

I received separate communications from Portfolio Recovery Associates , LLC, dated XX/XX/XXXX and XX/XX/XXXX, for attempts to collect an alleged debt. I have never given my consent nor do they possess the express permission of a court to communicate with me as a consumer. My rights as a Consumer have been violated in this and so many other ways by the unfair and unethical debt collection practices of Portfolio Recovery Associates , LLC. 

I was not employed at the time of the initial communication, so it arrived during a particularly inconvenient time for myself and my family. Additional strain was added to an already stressful situation through the use of abusive and profane language, not to mention the false representations made throughout this communication. 

The communication dated XX/XX/XXXX lists " account offers '', yet I have no account with this company. The balance is listed as {$2300.00} with 6 monthly payments of {$390.00} or 12 monthly payments of {$190.00} paying the full balance. However, there is a " savings plan '' using the following verbiage : 1 payment of {$1300.00} and save {$1000.00} ; pay {$220.00} for 6 consecutive months and save {$1000.00} ; pay {$110.00} for 12 consecutive months and save {$980.00}. The communication goes on to say they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

Portfolio Recovery Associates , LLC, willfully decided to violate my consumer rights AGAIN. The communication dated XX/XX/XXXX used different amounts in the " savings plan '' : 1 payment of {$1400.00} and save {$950.00} ; Pay {$240.00} for 6 consecutive months and save {$900.00} ; pay {$120.00} for 12 consecutive months and save {$850.00}. This version of the communication states they are not obligated to renew the offer and first payment must be received by XX/XX/XXXX. 

These communications clearly demonstrate the WILLFUL abusive, deceptive, predatory and unfair debt collection practices employed by Portfolio Recovery Associates , LLC. These practices have largely contributed to the instability of my marriage and family structure and definitely invaded my privacy whilst trying to stabilize them again. 

I am eagerly anticipating the return of the Certified Mail Receipt from the Affidavit and Invoice sent to Portfolio Recovery Associates , LLC. It is simply mean, heartless and downright evil to willfully prey on people that are doing the best they can to keep themselves and their families above water. Shame on you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan for a recreational vehicle through bank of the west. I have had this loan since XX/XX/XXXX. This is a joint loan with myself and my wife so it affects both of our credit scores. I have made 15 on time payments for this loan with the exception of a reported 30 days late  payments for XX/XX/XXXX. I call them every month to pay my loan so that I can personally make sure it is taken care of. I used XXXX  for my bank at that time who decided to perform IT updates that whole week so their website didnt crash. Anyone who has used XXXX  XXXX  knows they randomly mess with updates and freeze accounts for random periods of time so I no longer use them. I called on the XXXX of XXXX which is when I make my payment each month and they said it went through. As far as I knew my payment went through. I assumed it was taken care of just like every other month. I work a lot so I dont check my checking account everyday or even once every 4-6 days sometimes. I received a phone call from bank of the west after my grace window had closed stating that my account was past due and will now be reported delinquent. I then tried to log into XXXX but I received an error saying they were updating their system so some normal banking operations will be unavailable. I didnt realize that meant my funds were unavailable to pay bills!? So I then made a payment from a separate checking account with a different bank and this time it went through no problem. I then asked bank of the west if they would take that late payment off since it was clearly a banking error to which they declined to do anything. This lowered mine and my wifes credit score 95 points in a single day. I have several different revolving credit accounts including a mortgage that I have never been late on. This one single late payment is preventing me from obtaining access to auto loans and personal  loans/lines of credit and it is causing undue hardship on myself and my wife. I have called bank of the west and even disputed this information on my credit report but it will not go away. I dont believe what they did was right and I am reaching out to CFPB for help.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Transunion is failing to comply with FCRA laws for wilfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted multiple complaints informing Transunion that I was a victim of identity theft. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged account. I submitted the identity theft reports, provided a report circle the fraudulent account. Transunion has claimed the account listed below has been verified and is accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the account blocked/removed : XXXX XXXX XXXX XXXX
Product: Credit reporting

This account is not mine. I did not own this account. This is from XXXX XXXX.
Product: Credit reporting, credit repair services, 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 XXXXXXXX ( Original Creditor : Medical : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX 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 : 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

Beginning in XXXX, I have submitted multiple disputes to all three credit bureaus in regards to incorrect information being reported on my credit report. XXXX, XXXX, and Transunion continue to violate my rights under the FCRA. The following accounts contain erroneous, unfair information that is damaging my credit. 

XXXX : Account type is incorrect across all XXXX bureaus, Date opened is different across all bureaus, Last reported date is different across all three bureaus, Last reported date is different across all bureaus, etc. ( copy of credit report with errors circled enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX : Dates, account number, high credit, and payment history is incorrect/inaccurate. ( copy of credit report showing inaccuracies enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXX : Inaccurate information being reported across all three bureaus. ( copy of credit report showing incorrect information enclosed ) 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent XXXX XXXXXXXX XXXX Dismissed : Courts do not report nor verify information to credit bureaus. This information was obtained and sold to the credit bureaus without my consent and is a violation of both 15 U.S.C. 1681 section 602 ( a ) states i have a right to privacy and 15 U.S.C. 604 ( a ) section 2 states that a consumer reporting agency can not furnish an account without my expressed written consent. 

Furthermore the XXXX was dismissed without adjudication and in the eyes of the law, anything that has been dismissed is no longer valid or deemed to exist and therefore should not be on my credit report. This is a direct violation of the FCRA. The negative erroneous information being reported is effecting my ability to acquire housing and employment. The credit bureaus have refused on multiple occasions to remove this incorrect information claiming to have verified the accounts. how are these accounts being verified when all of the information is inaccurate. According to the FCRA, I have the right to a 100 % accurate and fair credit report. 
As I have included a copy of my credit report with inaccuracies already circled, I demand that these items be deleted immediately or I will be seeking litigation against XXXX, TransUnion, and XXXX for violating the FCRA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  shows some inquires on my report that does not belong to me. I have disputed several times and called and they inform me that there is nothing they can do.
Product: Checking or savings account

I have been with USAA for 25 years and I can clearly see the treatment, care and concern of the military and Veterans from USAA has changed over the years. 

I moved to XXXX  XX/XX/2024 and during the month of XXXX my account was hacked, several power bill payments from several different states was coming out of my checking account. I elected to close the account immediately but the USAA representative said I needed to keep the account open so USAA can complete an investigation more efficiently and quickly. So, I started using my other checking account I already had with USAA, leaving the hacked checking account with a XXXX balance. 
The last hacked power bill payment came out of the hacked checking account in XX/XX/2024. 
On Saturday XXXX XXXX I tried to use my debit card and it didnt work, I tried checking my account on my phone and it was locked. On XXXX XXXX I called USAA, and the representative told me that I had a new document in my USAA mailbox that stated USAA is exercising their right to no longer do banking business with me and per their Depository Agreement they closed all my accounts. On XXXX XXXX I called USAA to see if a check was already mailed and if so, was there a tracking number. The representative explained that all my accounts are locked, and a check will be mailed in 60 business days. 
Thirty days is understandable but 60? I cant even make my car payment which is with USAA, nor my mortgage or my mothers XXXX home payment. Moreover, there is no explanation as to why USAA decided to close all my accounts and no longer do business with me when I didnt do anything wrong. I was the one hacked!!! USAA is punishing me all while they didnt announce their data breach as of XX/XX/2024. My thought process is that they let go of one of their contractors and that individual may have taken several peoples information with them. What ever happened this is not good business!! 
It is extraordinarily horrible how USAA chose to stop doing business with me and lock all my accounts so I can not make my car or loan payment. However, USAA did not lock my consumer accounts as they are accruing interest every day. Talk about grimy! USAA is causing significant financial hardship and is adding to my stress, this is especially tough as a veteran who is already dealing with XXXX.
Product: Debt collection

On or about XX/XX/23, I disputed an account that was reported to credit bureaus by furnisher, Phoenix Financial Services. In this dispute, I informed the furnisher that the debt was not valid and I had no obligation to pay it. I asked the furnisher to provide me with an iota of evidence from the original creditor showing that I was responsible for this debt. I also asked that furnisher provide me with address of original creditor. 

Under 12 C.F.R. 1022.43, in the event consumer makes a direct dispute with the furnisher, furnisher must conduct a reasonable investigation of a direct dispute if it relates to [ t ] he consumer 's liability for a credit account or other debt with the furnisher. 

Phoenix Financial Services failed to conduct a reasonable investigation and never provided me with any documentation from the original creditor showing that I was responsible for this debt or that I had signed anything or made any agreement to be responsible for this alleged debt. Phoenix Financial Services refused to delete this debt from my credit report and continues to report it as a " collection account. '' They also failed to provide me with he address of the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX account # XXXX and XXXX XXXX XXXX # XXXX AND XXXX XXXX ACCOUNT # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute erroneous personal information and unauthorized inquiries that are reported on my credit report. I never authorized the listed items and therefore them reporting on my credit constitutes a violation of my consumer rights to privacy.
Product: Money transfer, virtual currency, or money service

I made a purchase online and paid via Paypal. The transaction was fraud, I have tried to reach out both the seller, and to paypal many times with no success. 
Paypal is holding money, and has no method of getting help. When you call their customer service number a message is received that says " We can not transfer your call at this time '' and hangs up. Their online messaging center says that they are " unable to accept messages '' - there is no assistance. This is the same as Visa just shutting down one day.
Product: Mortgage

I had home located at # XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold XXXX. Mortgage was paid off and the line of Credit ( # XXXX ) balance at the home at the time of sale on XX/XX/XXXX was XXXX as indicated in the letter attached issued by XXXX XXXX Bank the mortgage account # XXXX for the property located at XXXX Hidden XXXX XXXX XXXX CA XXXX was paid off at the time of sale of the property on XX/XX/XXXX 
Based on the above information I should not be reported to credit Bureau that I had a balance on the account # XXXX and the account started Foreclosure. I did not own the home XX/XX/XXXX and both account Balance were XXXX as of XX/XX/XXXX at the time of sale. 
This inaccurate information needs to be correctedI did submit to you the HUD and Pay off proof dated back XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I received an email on stating my venmo account was negative {$1.00}. I then received another email on XX/XX/XXXX  saying that i had received XXXX cash back for using my card at the restaurant where i had made a purchase causing the negative balance. Venmo followed with another email stating that the cashback would be applied to my negative balance and i needed to pay XXXX  in order to restore my account. On XX/XX/XXXX  I attempted to settle the remaining negative amount from my connected bank. In the email confirmation it says that transaction won't be completed until XX/XX/. On XX/XX/XXXX  I received a payment into my venmo account from my boss for {$75.00}. Venmo is still refusing to allow me access to my funds even though the negative has been settled by my initial transaction from my bank as well as the venmo transfer that i have received from my boss. They are saying that until the ach transaction goes through they will not give me access for my funds or take the XXXX out of the {$75.00} that is readily available in the Venmo account. PLEASE NOTE THAT I FILED THIS WITH THE ASSISTANCE OF AN AGENT ON THE PHONE. I SEVERAL EMAILS THAT I WOULD LIKE TO SUBMIT, HOWEVER I WOULD LIKE TO FORWARD THEM DIRECTLY TO MAINTAIN THE INTEGRITY OF THE DOCUMENTS AND NOT COPY AND PASTE THEM AS I DO NOT HAVE TO OPTION TO DO THAT.