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

I began reporting unauthorized charges to USAA XX/XX/XXXX card XXXX. I was issued a new card, then three letters arrived XX/XX/XXXX see attatched letters. USAA coverted my fraud into disputes. Then XX/XX/XXXX ( a year later ) letter Claim Date of XX/XX/XXXX CREDIT CARD FRAUD CLAIMS LETTER amount {$470.00} UNAUTHORIZED CHARGES * CONFIRMED by USAA. USAA letters XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL SAY CREDIT CARD FRAUD CHARGE and if you still believe this to be fraud no action is needed on your part. We will continue to pursue your fraud. USAA has been made well aware of the MAIL FRAUD ALSO attatched letter NO DELIVERIES MADE AFTER XX/XX/XXXX Criminal Investion Letter USAA HAS NOT RESPONDED TO ANY FRAUD OR IDENINITY THEFT I REPORT TO THEM BEGINNING XX/XX/XXXX No proof anything was Delivered into my hands or that I. EVEN ORDERED IT. NO USAA PERMANET CREDITS WERE APPLIED TO BE FOUND USAA IS A ZERO LIABILITY BANK. ALSO I AM XXXX AND HAVE NO ACCESS TO MY CREDITCARD. USAA IS NOT ADA ACCESSIBLE.
Product: Credit reporting or other personal consumer reports

-Experian, XXXX XXXX XXXX is violating my federally protected consumer rights.-Experian, XXXX & XXXX is furnishing a consumer report that claims I have 2 separate accounts from Bank of XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Neither of these are reporting any sort of account number whatsoever, yet they are showing up as negative information on my consumer report and are severely harming my personal reputation. These reports are inaccurate and are not in accordance with 15 USC 1681e ( b ), which clarifies that maximum reporting accuracy is imperative. These accounts do not exist without valid account numbers. They need to be removed from my consumer report. 
XXXX, Experian XXXX XXXX XXXX XXXX never provided a clear and conspicuous opt out form in accordance with 12 C.F.R. 1016.7a.-If they continue to furnish this information after I am now clearly opting out and revoking my consent for this information to be furnished, this report will now also be a violation of 15 U.S.C 1681b ( a ) 2, since they are not acting In accordance with the written instructions of the consumer to whom it relates.

-Furthermore, the information being furnished directly relates to transactions and experiences made between the consumer and the person making the report. This is a direct violation of 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) .-Experian, XXXX & XXXX is posting adverse information on my consumer report that is harming my reputation. This adverse information is a direct violation of 15 U.S.C 1681c ( a ) - Particularly line 5 that directly states Any other adverse item of information. Clearly, according to 1681c ( a ) ( 5 ), they are not allowed to post this information.-It is clear that Experian, XXXX & XXXX has violated many of my federally protected rights by furnishing this information on my consumer report. 
-According to 15 U.S.C 1681n ( a ) ( 1 ), Experian XXXX XXXX XXXX XXXX XXXX liable to compensate me {$1000.00} per violation, totaling several XXXX dollars for this breach of my rights. I am offering a simple resolution before pursuing remedy through the court system. 
EXPERIAN, XXXX XXXX XXXX MUST IMMEDIATELY REMOVE THIS ACCOUNT FROM MY CONSUMER REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit card with US Bank/ XXXX Mastercard several years ago. It is my understanding that monthly billing statements are to by law to be sent out 21 days prior to due date. For several years I repeatedly did not receive bills from this one company on time, many times receiving them a week after the due date. I repeatedly had to fight them for late charges and paid late fees several times as a result. This is the only credit account out of a dozen accounts I have that I have had this problem with.

I repeatedly verified my address with the company and they always had the correct address. I am currently trying to fix these errors on my credit report. The account representatives at XXXX Mastercard have told me over the phone they will not correct my information on file with the credit reporting agencies, and the disputes department puts you on hold for 45+ minutes when you call to try to fix the problem. I have hired a company that disputes accounts but they have not been successful either. 

Based on my experience with this company, I believe I am not the only person having problems with this company. I do not use the card very much anymore as a result of their poor business practices but would still like the three negative items on my credit report removed from by this organization. 

Thanks for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT XXXX
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on credit report and found several items on there to be inaccurate and fraudulent. 

Under XXXX XXXX XXXX XXXX ( b ) accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) 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 investigation; and ( ii ) promptly notify the furnisher of that information that the information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian lists on my credit report XXXX Report # XXXX ) one negative account -- a XXXX XXXX XXXX XXXX ( XXXX ). Experian also states that because the item has been contested once that my only options going forward are either to upload " new '' information that would, according to Experian, justify a reinvestigation or to call Experian and almost certainly be put on hold. So obviously this method is much more efficient for me both in time and with regard to the fact there is no " new '' information to upload -- the fact is that the account is past the statute of limitations for listing. The first missed payment/delinquency occurred over seven years ago. There is nothing I could upload that would clarify this for Experian. A company does not get to start the statute of limitations clock based upon the first time an account was sent to collections, but rather when the last payment was missed. I also do not recall what I based my earlier request for an investigation on but I strongly doubt it was based on a statute of limitations argument. It may have been that at that time I did not recognize the account, as the origin of the account is well over ten years ago.
Product: Credit card

Synchrony Bank that managed my P.C. Richards account closed my account because I did not use the card with a XXXX credit line for 3 years without my knowledge. P.C. Richards did not know they did this either. Synchrony Bank said to reapply to which they denied me. 
I had this card for at least 20 years with a {$20000.00} credit limit that went poof. Not only did it hurt my credit score that I had that was over XXXX, the length of time of having this credit also dropped my score.
Product: Credit card or prepaid card

This WELLS FARGO XXXX account is reporting derogatory information as reported in my Credit Bureaus XXXX The first being with the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. And the second being the FCRA, which requires all reporting to be 100 % accurate. If the information is NOT 100 % accurate it must be deleted from the agencys report. The following information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

WELLS FARGO XXXX
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. XXXX, XXXX and Equifax ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX. ( XXXX  XXXX  ) Account number # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681 ( d ) ( XXXX ) The inaccurate reporting of both my account status and payment status by ( XXXX XXXX ) Account number # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit XXXX  are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is bothering! I have been sending letters of appeals and requests to the Credit Bureaus to remove these fraudulent items from my Credit Report, but despite all my efforts to establish communication with the Credit Bureaus, the Credit Bureaus have failed to respond to my letters. I have been also submitting complaints through the CFPB to have the Credit Bureaus attention for them to correct my Credit File. The last letter I sent was XX/XX/2022 with complete attachments of my personal information to prove to the Credit Bureaus that it is myself submitting these letters and complaint. Again, I was a victim of identity theft and the items I am disputing do not relate to any transaction that I have made or authorized. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft. I am now submitting this complaint to urge the Credit Bureaus to comply to their obligation and also to protect my rights which is clearly violated by the Credit Bureaus for their willful non-compliance of the FCRA statute. I need the following items removed now : XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ACCT # XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX XXXX ACCT # XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX ACCT # XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX. Fl. XXXX DEAR SIR/MA'AM, I XXXX XXXXConsumer to Transunion am writing to dispute several incorrect/inaccurate, incomplete items listed in the above-referenced XXXX ACCT. TRANSUNION, XXXX, AND XXXX are each reporting completely different information in several sections within my Consumer Reports. TRANSUNION, XXXX, AND XXXX EACH FAILED TO MARK THIS ACCOUNT AS DISPUTED PREVIOUSLY AND DELETE IT IMMEDIATELY. If each agency is reporting accurate, complete, correct information how is that? PAYMENT HISTORY IS COMPLETELY INCORRECT, INACCURATE, AND INCOMPLETE. TRANSUNION SHOWS NO HISTORY AT ALL, XXXX SHOWS YEARS OF CHARGE-OFF STATUS, AND XXXX SHOWS YEARS OF ALL ON-TIME PAYMENTS. DATES LAST ACTIVE LAY DORMANT AS IF THE ACCOUNT IS JUST PARKED HERE TO CAUSE A NEGATIVE ALGORITHM FEEDBACK. EACH AGENCY HAS A COMPLETELY DIFFERENT DATE HERE AS WELL. ONE OF THE BIGGEST VIOLATIONS OF THEM ALL FROM TRANSUNION, XXXX, AND XXXX COMMENT SECTIONS DOES NOT SHOW WHERE I PREVIOUSLY DISPUTED THIS ACCOUNT SEVERAL TIMES. THE LAST DATE REPORTED IS COMPLETELY DIFFERENT ON TRANSUNION, XXXX, AND XXXX. HOW CAN THIS BE IF EACH AGENCY IS REPORTING ACCURATE, COMPLETE, CORRECT INFORMATION? PAYMENT STATUS IS A CHARGE OFF AS INCOME IS NOT ALLOWED TO BE REPORTED ON ANY CONSUMER REPORT YET EACH AGENCY STILL REPORTS THIS ACCOUNT. THE PAST DUE AMOUNTS ARE INCORRECT, INACCURATE, AND INCOMPLETE OF TRANSUNION, XXXX, AND XXXX. THE HIGH CREDIT SECTION IS INCORRECT, INCOMPLETE, AND INACCURATE ON TRANSUNION, XXXX, AND XXXX. THE BALANCE SECTIONS ON TRANSUNION, XXXX, AND XXXX ARE ALL DIFFERENT, INACCURATE, INCOMPLETE, AND INCORRECT. THE ACCOUNT NUMBER FOR THIS ACCOUNT IS DIFFERENT ON EACH AGENCY 'S REPORT AS WELL.TRANSUNION, XXXX, AND XXXX HAVE TOTALLY AND COMPLETELY NEGLECTED THIS ACCOUNT IN EVERY WAY POSSIBLE. DUE TO SO MANY INACCURACIES AND MORE IMPORTANTLY TRANSUNION, XXXX, AND XXXX ALL FAILED TO MARK THIS ACCOUNT AS BEING DISPUTED PREVIOUSLY. PLEASE PERMANENTLY DELETE/REMOVE THIS ACCOUNT FROM MY CONSUMER REPORTS IMMEDIATELY. 

IF YOUR AGENCY FAILS TO COMPLY WITH THE BEST METHOD TO RESOLVE THIS ISSUE BY DELETING THE ENTIRE ACCOUNT IMMEDIATELY. FOR SEVERAL FCRA VIOLATIONS PLEASE SEND IMMEDIATE CORRESPONDENCE AS I WILL MOVE ON TO FURTHER ACTIONS. CURRENTLY, YOU ARE IN VIOLATION OF THE FCRA AS PER USUAL CEASE ALL CONSUMER REPORTING IMMEDIATELY. 

COMPLAINTS SENT TO EACH COMPANY ARE LISTED BELOW Federal Trade Commission ( FTC ) Consumer Financial Protection Bureau ( CFPB ) State Attorney Generals Office
Product: Debt collection

I sent Navy Federal Credit Union XXXX XXXX XXXX XXXX on XX/XX/2021 and they received it on XX/XX/2021 at XXXX. Stating the facts with proof and exhibits. They have failed to respond to my previous complaint and is now in default. 

XXXX XXXX has been false and misleading during this entire consumer credit transaction. They have been sending false character amounts, reporting false information on my consumer report and calling at inconvenient times.
Product: Credit reporting

I recently sent a letter to Transunionrequesting the removal of unauthorized inquiries from my credit report. I did not ask for removal of the inquiries I had authorized. I received a letter from Transunion explaining what an inquiry is rather than a direct response to my concern. This is unacceptable. The FCRA states : the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The inquiries in question do not meet these requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score keeps going down due to accounts I do not have I called XXXX and Home Depot to fix the issue because I never opened accounts with them and it still shows that those accounts are delinquent these delinquent accounts are really affecting my credit
Product: Debt collection

I am writing to formally lodge a complaint against your debt collection practices, which I believe contravene the provisions of the Fair Debt Collection Practices Act ( FDCPA ). My experience with your agency, particularly concerning a debt you allege I owe to XXXX XXXX, prompts this action. 

Count XXXX : Harassment and Unfair Practices Your agency has made over XXXX collection attempts, engaging in excessive and aggressive communication. This includes numerous phone calls, emails, and letters, constituting a breach of my privacy and amounting to harassment under the FDCPA ( 15 U.S.C. 1692d ). Such behavior is not only unacceptable but also illegal. 

Count XXXX : False Representation On XXXX XXXX XXXX, your agency reportedly misrepresented the date of last activity on my debt account. This act of " reaging '' is misleading, as it falsifies the statute of limitations on the debt. It is a deceptive tactic, contravening the FDCPA ( 15 U.S.C. 1692e ). 

Count XXXX : Inadequate Debt Validation Despite my requests, your agency has only provided billing statements, which do not constitute proper validation of the debt as per the requirements of the FDCPA ( 15 U.S.C. 1692g ). The provided documents are insufficient, and thus, the debt remains unverified. 

Count XXXX : Intentional Infliction of Emotional Distress Your agency 's unfair and illegal reporting practices have caused significant emotional distress. By providing false information to credit reporting agencies ( XXXX, XXXX, and XXXX ), you have not only harmed my emotional well-being but also hindered my ability to obtain credit under my business entity. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demands and Expectations Given the lack of proper debt validation, I demand the immediate removal of the XXXX LVNV Funding entries from my credit reports with XXXX, XXXX, and XXXX. Failure to comply may result in further legal action to enforce my rights under the FDCPA. 

Additionally, I expect a written acknowledgment of this complaint within 15 days of receipt of this letter. 

I am resolute in defending my rights under the FDCPA and expect a prompt and satisfactory resolution to these issues.
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 XXXX XXXX XXXX. 
Account name : XXXX XXXX, XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX : Account name : XXXX  XXXX XXXX*** Account name XXXX XXXX  XXXX Account name 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: Debt collection

getting repeated calls from debt collection company, Bureau of Medical Economics ( that blocks their caller ID number, but I got the agent to give me their number : XXXX ) It is for a supposed medical procedure done by XXXX XXXX XXXX, XXXX that the company agrees is NOT a valid charge. They must have then sold the " supposed debt '' to this collection agency!!
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

Charge Off XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX Personal Information Name : XXXX XXXX XXXX Also Known As : XXXX XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers : XXXX XXXX Employers XXXX XXXX Employers : XXXX Employers : XXXX XXXX Employers : XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed the problem in XX/XX/XXXX Hard Inquires XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Personal info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX INCORRECT INFO : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX This account needs to be validated DEPT OF EDXXXX XXXX XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX DEPT OF EDXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX 2017
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry on my XXXX Credit report from CAPITAL ONE BANK. This inquiry was not done by me on XX/XX/2023. I called Capital One Bank Fraud Division on XX/XX/2023, per XXXX customer service and try and resolve. I spoke with a representative and was told they would contact the credit bureau and fix the problem. However, when I called XXXX back to see if they were contacted by CAPITAL ONE, they advised nothing was reported and the inquiry would stay on report for 2 years. This is affecting my credit report and since I can not seem to find a solution from either XXXX or CAPITAL ONE. I need assistance with this situation from your organization.
Product: Payday loan, title loan, personal loan, or advance loan

They never gave a copy of the agreement and there were fees Added that were not discussed
Product: Debt collection

I am filing a complaint against Synovus Bank because I do not owe them any money. The debt has been paid off ( XX/XX/XXXX ). This alleged debt was bundled in a loan package and sold to a debt collection company in Illinois. I am baffled about this purported debt ; the information provided was sketchy. Their XX/XX/XXXX letter did not provide in clear terms the date and amount of the loan, and a description thereof of the type of security for the loan that they sold to the company in Illinois.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mid-South Adjustment has placed a {$0.00} collections amount on my XXXX credit score. They have inaccurate contact information for both address and telephone as required by law.