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

I have been with USAA for decades, as a military dependent, XXXX XXXX, and veteran. 
I took out {$1200.00} on the credit card to start another bank account. My attempts to repay it failed, and I have been unable to access my account on their website. They have charged me hundreds of dollars of bogus late fees, and ruined my credit rating. Which was good, since I repaid {$10000.00} in loans last year. 
I have been absolutely unable to pay them, or access my account. I have spent hours on their XXXX phone system listening to their obnoxious USAA cheer, only to be cut off or transferred to people who don't answer. They give me numbers that don't answer, send me emails that can't be replied to, and tell me to go to the website that I can't get into. It's making me nuts.
Product: Credit reporting or other personal consumer reports

Hello, I would like to report a fraudluent hard credit inquiry on my Credit Report that I did not apply for on XX/XX/2024. My credit report currently should be frozen along with a fraud alert from the past when i had other Companies that tried running applications for cards and bank accounts in my name. 

After XXXX  the company, a lot of the posting stated that this company has falsely reported credit applications and is a nightmare trying to get ahold of the company. 

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

There are 2 fraudulent inquiries into my Experian credit report by a tenant screening reseller from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is not removing or blocking an account per FCRA regulations when I submitted an identity theft report claiming I was a victim of ID theft. I have taken the necessary step to dispute the information with the credit bureau. I'm very confused on how they verified these accounts. They are not following the rules and I'd like these 4 fraudulent accounts removed immediately. I've included the ID theft report to validate my position.
Product: Mortgage

I have a Veteran Loan backing with PennyMac Loan Services , LLC. 
PennyMac has in escrow my money to pay my property insurance. 
PennyMac did not pay my property insurance when due. MyProperty insurance had expired & PennyMac will not pay the inpoundmoney for the property insurance.
Product: Debt collection

I believe my identity was stolen ... I received a call from father some law office XXXX XXXX XXXX XXXX XXXX stating about some charges ... then I was contacted today by them stating if I did n't respond ... they did n't hear back from me they would contact the county clerk office ... I called them the gave me Ge Money bank ..and said I made some payments on a luxury vehicle using a master card ... I do n't own a master card and nor have I owned a luxury vehicle ... I believe my identity may have been stolen
Product: Credit reporting or other personal consumer reports

I sent a letter last XX/XX/ to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block these items not later than XXXX business days. Ive already included this in my previous complaint & I am including it again. The following items are listed below : XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXXXXXX Balance : {$120.00} XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX XXXX XXXXXXXXBalance : {$480.00}
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Experian and XXXX has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXXXXXX XXXX. I believe it was reporting in error. 
XXXX XXXXXXXX XXXX Balance : {$680.00}
Product: Credit reporting

I am writing to you again because my attempt to communicate with TransUnion resulted in the message " Session Expired '' while I was still completing their form. 
As previously noted in your case number XXXX, I wrote that a fair resolution to this issue would be for the company TO EXPLAIN IN SPECIFIC DETAIL OF HOW MY FICO SCORE DROPPED FROM XXXX to XXXX IN TWO MONTHS. 
I have carefully reviewed the company 's response to me, and I can not find an answer to my question. 
I trust you will agree I need to know exactly what happened during that XX/XX/XXXX-XX/XX/XXXX period to avoid future dramatic decreases in my FICO score. 

Thank you for your help in this matter. 

XXXX XXXX XXXX, FL.
Product: Mortgage

Started an application with loandepot.com on XX/XX/2019. I was preapproved and an appraisal was ordered on XX/XX/2019 and my credit card was charged {$490.00}. The appraisal was scheduled on XX/XX/2019 and completed on XX/XX/2019. The loan hadnt even hit underwriting when the appraisal was ordered. Around XX/XX/2019 loandepot began asking for additional sources of revenue which meant they were having a hard time approving the loan. My loan was denied on it about XX/XX/2019. 

Why was an appraisal done so early in the process before approval was ever given. The appraisal fee is not refundable, and I only am agreeing to pay for it thinking I am being approved. This appraisal offers me no value if the loan is denied. I am not able to use it when/if I apply or reapply for any other loan with this vendor or any other. Its basically taking {$500.00} out of my pocket. If this happens with every lender even working competing loans, that is a lot of money out of pocket. If the lender orders 10 appraisals and 4 thats a lot of money in their pocket as I know they do not pay that entire fee with the appraisers. 

When I spoke to my loan officer asking for a refund she said she would see what she could do. I spoke with her supervisor who said he would speak with my loan officer. I  was given a refund of {$28.00} on XX/XX/2019. I reached back out to my loan officer and received no response as to why I was not given a full refund. I feel as if this money has been stolen from me.
Product: Credit reporting

The TransUnion company has a policy of updating there information every 30-90 days. To a user taking responsibility of finances is being forced in some situations into losing more finances. with the movement of data information at a moments notice, the stroke of a key, this company and any other company should only have 7 days to process that data. 
When I paid all my debts off every company evolved was able to slow mail me with a guarantee that I would receive the letter in 5-10 days. If these companies a lot the time and personnel to that, they should be forced into posting any updates in under 7 days and be forced to update there software to do this for them. 
They should be making themselves more accountable for timely accuracy instead of rules and by laws to protect themselves. Someone might say " well you should not have got your self into this situation ''. My only reply is that 's history because today I am getting my self out of the situation and TransUnion just cost me over {$400.00} in getting a loan that was assisting me in taking on my financial responsibility. Both Equifax and Experian excellently up dated the same information that day while on the phone with them or with in 2 or 3 days of my paying all my debt off. 
sincerely XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I purchased a " XXXX '' extended warranty for my XXXX XXXX XXXX ( XXXX ) motorcycle on XX/XX/XXXX. It was effective from XX/XX/XXXX until XX/XX/XXXX. I paid via the " XXXX '' installment plan of XXXX monthly payments and payment was completed on XX/XX/XXXX. I sold the XXXX on XX/XX/XXXX, a little over XXXX months into my XXXX month warranty. When I contacted XXXX about a partial refund I was told I had to submit a cancellation request to the dealership. 

This struck me as odd given that I had purchased the extended warranty directly from " XXXX '', i.e., American Honda Finance Corporation. 

Nonetheless, I submitted a cancellation request on XX/XX/XXXX. Each time I asked the dealership about my " case '' I was told they were waiting on XXXX. 

It's now well over XXXX months since I submitted my request. I have heard nothing from XXXX. I tried reaching out on XXXX and via email. No response. 

I am aware I will most likely be out the interest they charged me for using the FlexPlan but they owe me a prorated refund due to the lack of response I filed a complaint with the XXXX XXXX XXXX XXXX XXXX closed that complaint XXXX weeks later -- when XXXX failed to reply to repeated requests to respond. 

The lengthy delay in getting the refund I am owed is unacceptable and in my view constitutes an unfair business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 4 times with all credit bureaus. XXXX, XXXX and Transunion. All are reporting derogatory remarks on accounts they are unable and have not verified as being mine or show proof that these are in fact accounts acquired, owned and signed by me. 

They are also not consistent, accounts that have been removed from my credit file from one bureau is not necessarily being removed by the rest of the bureaus despite all the disputing I have done/sent.

I have outstanding current/history on my mortgage, car loan, which is going to be paid off, and 2 new revolving credit cards. That are in excellent standing and have not been late once on anything for the last 6 years. All that they are reporting are credit cards fraudulently acquired and being reported under my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

There 8 total accounts regarding student loans from 2011. Four are closed with no balance but legally should be removed as they are over 7 1/2 years old. The next 4 are duplicates but showing as active. These also legally should be completely removed as they are over 7 1/2 years old but show as current. They are all Department of Education accounts. The following are open dates and amounts : XX/XX/11 {$4500.00} ; XX/XX/11 {$4700.00} ; XX/XX/11 {$7100.00} and XX/XX/11 {$890.00}. 

I have repeatedly asked all 3 credit bureaus to remove these from my credit report, with varying results. The above statement reflects my Equifax credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two accounts against my credit has been paid in full and information has been submitted to Experian and they fail to upgrade credit score.
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 XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and 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 Transunion. 

Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX INQUIRIES : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following companies Shared my personal information without my written consent. 

XXXX : Date XX/XX/2024 CAPITAL ONE : Date XXXX XXXX 15 USC 1681 ( 2 ) ANY negative item that a company reports to your credit report WITHOUT your WRITTEN CONSENT is considered identity theft and fraud.

( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report : ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;
Product: Credit reporting or other personal consumer reports

I contacted XXXX in XXXX of XXXX  to let them know of a hardship due to being on family leave and asked to close my account or for a payment extension. I then made a payment in XX/XX/year> and the security deposit shouldve balanced this out to XXXX. I keep receiving late remarks and a ballooning of late fees added to the account. See attached. I would like for self to remove the entire credit line or the late payments in exchange for a payment without the late fees added. This is damaging my credit and inaccurately reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2020, I returned my car lease for Ford Motor Co. XXXX XXXX dealership agreed to pay any overage charges. After several months, I started to receive collection calls stating I owed Ford over {$500.00}. I immediately called the dealership. They agreed to pay Ford as they originally stated. However when they told us they would pay, they did not. I kept getting calls. Eventually XXXX XXXX made good on their word and paid the debt with an overnight cashiers check. This still ended up impacting my credit. 
Ford started by telling me they didnt see how my credit had any delinquencies shown by them though I provided evidence to them. I resubmitted that same evidence again and finally they agreed to support my request for help. 
I asked XXXX to correct this debt on my credit as well. They ended up contacting Ford on my behalf, admitting their fault and stated it was not my debt. Ford issued me a letter admitting fault as well and issued a letter to the credit reporting agencies. I have also personally disputed this charge off with XXXX XXXX approximately 4x. Always suppling evidence. I have also re asked Ford to again request the removal. I am desperate to have this removed my credit. It is seriously impacting my score. This debt was never mine. I have made several attempts with Ford and XXXX XXXX. Please help.
Product: Bank account or service

I opened an account XXXX XXXX and due to inactivity and Bank charges, my account was overdrawn. I did not realize until it was reported to ChexSystems. I have made payment to offset the over due charges and the Bank acknowledged the payment. However, ChekSystem is reporting the followingChexsystem Records : Account Abuse, Delinquent/derogatory behavior, NSF Activity, Fraud, or ClosureUnpaid/Outstanding money owed to a different financial institutionThis has caused denial of membership at a Credit Union ( XXXX XXXX XXXX ). I have reached out to Chexsystems 2 months ago but the information is still not updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THIS ACCOUNT WITH XXXX, XXXX FOR ( {$2300.00} ) ISN'T MINE. 

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Checking or savings account

Beginning with their notification letter dated ( XX/XX/XXXX ) Bank of America advised me that my savings account of {$790.00} was being closed. If my account had a balance after it's closing, BOA would send me a cashier 's check. I've talked with the two managers of a BOA local banking center to complain about the delay for the return of my savings. My third visit was on ( XX/XX/XXXX ), requesting another call to learn about the status of the check. I learned earlier that the check was cut two weeks before. Every time I called BOA for corporate help, I never could speak with a representative because of the very long wait time. My posted query letter ( XX/XX/XXXX ) to Customer Care in XXXX XXXXwas unanswered. 
A letter from BOA ( XX/XX/XXXX ) .advised me to call the Risk Account Closure dep't for assistance with my cashier 's check. I have not learned anything new going forward and I'm deeply concerned that I've been waiting for an unreasonable amount of time for the cashier 's check. RAC dep't tel. # XXXX XXXX XXXX. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The date of the credit opening is XXXX2020 in the amount of {$460.00}. I called Portfolio Recovery twice and disputed this 2 other times ( in total 4 times ) and they said that it's my debt. It definitely is not mine. I did not open this credit card.
Product: Credit reporting or other personal consumer reports

I DO NOT ACKNOWLEDGE ANY OF THESE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 U S C # 1 XXXX XXXX XXXX # XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX # 3 XXXX  XXXX XXXX # XXXX # 4 XXXX XXXX # XXXX # 5 XXXX XXXX XXXX # XXXX 15 U S C 1681 section 602 ( a ) States that I have the right to privacy 15 U S C 1681 section 604 ( a ) ( 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 information containing any of the following information, any adverse item of information other than records of conviction of crimes which antedates the report by more than seven years 15 U S C 1681s-2 ( a ) ( i ) A person shall not furnish information relating to a consumer reporting agengy if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXXXXXX XXXX XXXX failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( XXXX ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
Product: Debt collection

This company is trying to collect for the insurance company XXXX. I sold a vehicle and 6 months later the new owner was involved in a hit and run accident. XXXX shows the date of sale with the new owner 's name and address. Apparently he was uninsured so they are trying to get {$10000.00} from me. I previously settled this matter with XXXX and they called off the previous collection agency because I proved I no longer owned the vehicle at the time of the incident. Nor was I the driver of the vehicle. How do I stop this endless cycle of XXXX trying to collect a debt I don't have anything to do with? The current collection agency is Wilber & Associates, P.C
Product: Credit reporting or other personal consumer reports

XXXX added a line to my cell phone account that they claimed was a free line without my knowledge or consent. After I canceled my XXXX  account they continued to charge the unknown line on my account then sent it to collections without explanation.