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

I submitted a dispute to USAA and over the last several months, USAA has not properly investigated my disputes. They have instead closed my disputes and reversed the charges without a proper and though investigation.
Product: Debt collection

i have filed two police reports due to identity theft. This has been going on for almost 3 years now. A police report was filed with XXXX XXXX XXXX XXXX XXXX in XXXX office when i first discovered the identity theft & then again with the XXXX XXXX XXXX XXXX XXXX in XXXX. A copy of the XXXX XXXX report was sent to the FTC in XXXX, ICE ( FBI ) report was done in XXXX. I have gone to the social security office but was told they can not help me and sent away. 

Most recently a tag has been registered in my name in the state of Texas & two credit cards taken out in my name. 

With the newest card account I did contact the creditor directly and spoke with a XXXX & XXXX both of whom could not do anything until another report was filed with the FTC. 

Please see both police report number below. 

case # XXXX : XXXX case # XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple unrecognizable inquiries on my account some were even applied for on the same day this list includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Other unrecognizable inquiries I have are : 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

I can not LOCK or UNLOCK my credit history on Equifax 's so called TRUSTEDID XXXX website as they advertise. When I called for customer support I reached people in the XXXX who transfered me no less than XXXX times. I could not get a straight answer out of any of them. This whole situation is totally ridiculous!
Product: Credit reporting or other personal consumer reports

To Whom May Concern My name is XXXX XXXX I have written your bureau multiple times & also submitted identity theft reports multiple times & your company just wasnt trying to hear what I had to say regarding incorrect information on my credit report. So I took further action & contacted the deputy commissioner of my state XXXX to verify indeed that these account reporting on my account couldnt had been me due to me being incarcerated for those years the accounts was opened & received I dont know if it was a family member that did or not but those accounts wasnt approved by me & truly wasnt made by me. I have the letter attached to my letter as well and I have police report, identity theft report & lease of my address attached too and I will also attach my information so your company can verify me & also have my identity report attached again with this letter to see which accounts Im speaking on. Im sorry for the inconvenience and Im sorry that I had to go this far to contact the commissioner of my state. Also the address that is on my credit profile is invalid I never lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I did live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Address for alleged debt is not on my report & I have my lease to my apartment attached to this document also have the letter from the deputy commissioner to verify I was incarcerated at the timing of the alleged debt owed to XXXX XXXX XXXX Account Number - XXXX & also the alleged Debt owed To XXXX XXXX Account Number XXXX. I also have the accounts listed below with the balances & how much the alleged debt are so I can get verified. Key facts that prove that the alleged debt is not mines are & was fraud XXXX. I was incarcerated from XXXX commissioner documents to prove it XXXX. Lease to prove that was incorrect for my legit address lease shows the address & the dates of the rental lease. XXXX. My address for the alleged debt is not on my profile PLEASE HAVE THESE ACCOUNTS REMOVED IMMEDIATELY THESE ACCOUNTS ARE ALLEGEDLY INCORRECT & NOT MY ACCOUNT THEY ARE FRAUD ACCOUNTS. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS THAT NEED TO BE REMOVED BELOW. XXXX  {$96.00} Account # XXXX XXXX XXXX XXXX- {$450.00} Account # XXXX DOCUMENTS ATTACHED WITH THIS PAPER XXXX. COMMISSIONER LETTER TO VERFIY I WAS INCARCERATED XXXX. IDENTITY THEFT DOCUMENTS XXXX. ID XXXX. MY LEASE FOR MY APARTMENT TO VERIFY MY APARTMENT CORRECT ADDRESS XXXX. Police Report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XX/XX/XXXX : Account # XXXX XX/XX/XXXX : Account # XX/XX/XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXX/XX/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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

On XX/XX/2019, Pioneer Credit Recovery called cell phone numbers that are under my name ( XXXX, XXXX and XXXX ) looking for a XXXX XXXX XXXX. After speaking with the person that called, XXXX, I asked for a supervisor and spoke with XXXX XXXX. Ms. XXXX explained that they go on the internet and pull phone numbers for anyone with the same last name and call them to try to locate the person they are looking for. They should not be calling any of my phone numbers since I am not the person they were looking for.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union and XXXX refuse to delete the XXXX  XXXX inquiries dated XX/XX/XXXX and XX/XX/XXXX as the result of fraud. I contacted XXXX XXXX and they send letters directly to each credit bureau ; XXXX, XXXX and Trans Union. XXXX deleted the entries. Attached is a supporting document from XXXX XXXX. 

Additionally, Trans Union refuses to delete another inquiry XXXX XXXX dated XX/XX/XXXX. XXXX failed to delete AMOUNT SMALL BUSINESS dated XX/XX/XXXX. 

I have called and sent multiple letters complaining about this and these bureaus continue to violate consumer laws as per the Fair Credit Reporting Act : 15 USC 1681i ( 5 ), USC 1681b ( 1 ), 15 USC 1681 - Right to privacy. and 15 USC 1681s-2 - Furnishing consumer information after reasonable cause to believe that said information is inaccurate. Section ( B ) - Reporting information after notice and confirmation of errors. Subsection ( i ) and ( ii )- Being notified by the consumer and that the information is in fact, inaccurate.

These credit reporting agencies are a disgrace for constantly reporting inaccurate consumer information and manipulating the FICO score by both antiquated algorithms and unproving AI technology.
Product: Credit reporting or other personal consumer reports

The company XXXX is reporting a hard inquiry on my credit report without my knowledge or consent. I have not done any business with this company it is no reason they should be sharing my personal information. They inquired on XX/XX/XXXX and set it to continue until XX/XX/XXXX. XXXX is in violation of 15 USC 1681b- Permissible purposes of consumer reports. This code states a consumer reporting agency may furnish a report only under these circumstances. XXXX. In accordance with the written instructions of the consumer in whom the report relates. XXXXThey need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act
Product: Credit reporting or other personal consumer reports

I sent a certified letter to the XXXX Experian and XXXX on XX/XX/XXXX to verify my credit completely they all stated they did and everything was correct but I still see incorrect information on my report thats incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : DP OF EDUC XXXXXXXX XXXX XXXX XXXX XXXXXXXX USDOEXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and address remain listed : This address do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and address, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXXXXXX 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

I have made numerous attempts to XXXX XXXX XXXX XXXX to correct my Trans Union credit report. I have spoken to them on the phone and they insist no charge off exists. However, when I view the credit report online it says I have a charge off with them. I have but no charge to ask for your help in the hopes of clearing up this matter.
Product: Credit reporting or other personal consumer reports

I am filing this report regarding multiple violations of the FCRA by XXXX XXXX XXXX this account has many discrepancies that need to be addressed. I request immediate removal and compensation for each violation violating my rights.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This account doesn't belong to me and I would like this company to update this information on my credit file in reporting accurate information to the credit bureau the amount is for {$2200.00} from Bank of America which it says charged off but is reporting on my credit file and is inaccurate.
Product: Checking or savings account

My bank is Bank of America, and I send my payment through XXXX. Bank of America didnt accept my claim. I was scammed by a psychic who said she would help me. She knew I was in a bad head space and going through a lot knew I was struggling with mental heath issues and She got me for {$3500.00} by manipulating me and threatening me and I am providing evidence text messages and whats others have send about her on I have text messages and more evidence this happened to other people her name is XXXX XXXX and also goes by XXXX XXXX.
Product: Debt collection

Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile i hope this NOTICE finds you well. i am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that [ SEQUIUM ASSET SOLUTION ] rectifies these issues promptly in accordance with applicable laws and regulations. 

The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer. 

In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions. 

The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ Companys Name ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
Product: Credit reporting or other personal consumer reports

Experian had failed to fulfill its legal obligations under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on forberance dor several years following the information that was given to me by XXXX and the years in a row i have in total i have XXXX late payment when my loan was suppose to be on some sort of forberance. Its has a great impact on my credit report and i cant seem to get it currected.
Product: Credit card

I am writing to dispute the late payment entries on my SYNCB/Care Credit account, as reported on my credit report. The details of the account in question are as follows : Creditor : SYNCB/Care Credit Account Number : XXXX XXXX : Account Type : XXXX XXXX Account Status : Open Monthly Payment : {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Paid or paying as agreed Last Reported : XX/XX/XXXX XXXX : Account Type : Charge Card Account Status : XXXX XXXX XXXX XXXX  {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Current, was XXXX XXXX XXXX XXXX Last Reported : XX/XX/XXXX XXXX : Account Type : XXXX XXXX XXXX : Open XXXX Payment : {$72.00} Date Opened : XX/XX/XXXX Balance : {$900.00} High Credit : {$1000.00} Credit Limit XXXX {$720.00} Payment Status : Pays account as agreed Last Reported : XX/XX/XXXX I acknowledge that there were late payments on my SYNCB/Care Credit account in the past. However, I want to bring to your attention that I have since caught up on all payments and have not missed any payments thereafter. 

I take my financial responsibilities seriously, and I have made significant efforts to rectify any past delinquencies. I have established a consistent payment schedule and have been diligently making payments on time to maintain a positive credit history. 

Please investigate this dispute and provide me with written documentation of the results. I appreciate your attention to this request and look forward to a prompt resolution.
Product: Credit card or prepaid card

I got a deferred credit card ( synchrony luxury card ) last year. I have been making payment and about 15 days ago paid or at least I thought paid the remaining XXXX dollars. Today I look because I am ready to make a purchase using the credit card and realize I now have XXXX dollars. The supposed XXXX I never paid which I did. And then the XXXX accrued interest. There was a fault in the app and now I am stuck paying XXXX dollars extra. I have 100 percent on time payment with any credit card or Loan I have done. I do not miss payments.
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. 

Account Name : XXXX XXXXXXXX : Account XXXX Account Name : XXXXXXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX SS XXXX Account XXXX : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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: Mortgage

On XXXX XXXX XXXX I went foreclosure due my financial hardship of income loss and my sons condition he was having with his XXXX and XXXX.. I recently did a uniform borrower assistance form for Bank of America and in XX/XX/XXXX I was denied a loan modification on XXXX XXXX XXXX .. I appealed and was denied on XXXX XXXX because they said I did not have a Financial hardship and my Income was the same and my bills are not higher than my income. I Fax all my housing expense documents to Bank of America pertaining my job loss, bills and home insurance premiums property taxes and they still did not look this through and waited to the last minute to call me. I also told Bank America my mom does not help me anymore and that was a loss of income I dont get anymore. I also was not gived a written notice to prevent a foreclosure for my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I am contacting you with regards to Lending Club that is reporting on my credit reports that I have no known knowledge of and was included in my fraud case back in 2019. I have contacted them on several occasions and I keep being told the same thing that they " DO NOT '' have any information and the account is gone or they can't find anything. Well the issue that I am having is that on my credit reports it is being reported by the company Lending Club and noone else. XXXX each and every time seems to be able to contact them and say it is valid. 

I would like to know how is the account valid when they tell me they have no information and it's reflecting on my report by them. I have been going back and forth with XXXX and Lending Club the furnisher about this and it's time they fix it. The business practice between the tow is unethical and unfair and as a consumer who has been trying to fix this proving FTC Affidavit and XXXX Police reports need this to be handled once and for all. 

What Lending Club continues to ignore is the fact that it's their company that is reflecting on my report and they are the ones who must take if off. It states transferred, well to who doesn't matter who has this erroneous account Lending Club is showing to be the one reporting. How is XXXX validating this erroneous information leaves me confused. Per 623 of the FCRA the furnisher states that a furnisher must not report inaccurate consumer information Also per 623 ( a ) ( 2 ) when any furnisher has been notified that a consumer is a victim of identity theft, the furnisher may not sell, transfer or trade for collection of the debt.
Product: Debt collection

this complaint for identity theft. I have never given any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal and unlawful activity, any communication and collection activity, of this and any alleged debts until they can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and collection attempts continue I will file for litigation for actual damages caused and CREDENCE RESOURCE MANA will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. The credit reporting agencies were notified this account is result of identity theft.
Product: Checking or savings account

As part of the promotion for Chase financial products, the bank required new money to be deposited which was done XXXX. The XXXX XXXX check in the amount of {$200000.00} was cashed by Chase on XX/XX/year> but that amount is still on hold by Chase which still has not been released to be used for the use for the Chase financial product being promoted. The local Chase branch says it is a bank policy. There was no disclosure concerning this supposed bank policy. We feel this is a deceptive sale practice. 
We have not been able to get our money back while Chase has use of our funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquiries should be deleted. Inquiries : XXXX, XXXXXXXX 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX, two unauthorized transfers totally {$34000.00} were made from my savings account with American Express Bank to an external account at XXXX which was not my account. I discovered that the funds had been transferred the following day and notified American Express Bank that the funds had been transferred without my authorization. They conducted a short and incompetent investigation and later informed me that they couldn't recover the funds even though they had been transferred illegally. In my opinion, American Express Bank is guilty of fraud and negligence with a security system to protect their depositors to be totally worthless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted Identity theft affidavit along with consumer statement, copy of drivers license, copy of social security, and copy of recent utility bill on XX/XX/2023. Contacted customer service today on XX/XX/2023. Today is the fourth business day and information is still reporting inaccurately to my personal credit report.