23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

XX/XX/XXXXXXXXXXXX XXXX, Florida XXXX : XXXX XXXX Account : XXXX ; Reference # : XXXX response to your collection notice, we dispute the validity of the debt ( {$480.00} ) based on the following information : Records will show that we were good XXXX customers for XXXX years. 
In XX/XX/XXXX, we began dropping calls at our house, due to lack of reception. After many calls to XXXX and their technical service, and more than XXXX months of poor or no reception in our home, XXXX of their managers finally admitted that their lease with the XXXX tower near us had expired., which is why we had no service. We sought remedy by asking XXXX to give us a " microcell '' aka, " range extender '' so that we could use our cell phones at home. They wanted to charge us {$100.00} for rental of the device. We asked to be released from our contract ( which was to expire in a couple of months ) since we could not use the phones at home. We were told that the credit for early termination would be applied when we connect with a new provider. 

On XX/XX/XXXX we switched services to XXXX. At that time we sold our old phones to private individuals. We learned that XXXX would not activate these phones until we paid {$210.00} for undisclosed charges. XXXX received our payment of {$210.00} on XXXX. XXXX finally activated these XXXX phones, billing the new owners - while simultaneously charging us for nonexistent services over the month! 

In addition to being billed for services we were not using, we never received the promised credit for early termination. In trying to resolve the issue, we talked to many individuals whose names are listed below. At XXXX point " XXXX '', in tech support, looked up our usage and concluded that we were not able to use the phones for many months. He assured us that he got it all straightened out and that our balance was " XXXX. '' Instead, we got a notice from a collection agency " XXXX XXXX, XXXX '' for {$430.00} XXXX charge. We spoke to XXXX XXXX XXXX representatives, " XXXX '' and " XXXX. '' We were told that credit was pending. We explained the situation to the collection agency with no resolve. 
We were recently contacted by your collection agency, regarding the same matter. Your representative, XXXX XXXX informed us that the amount claimed now by XXXX is {$240.00}. Even though this amount is lower than what XXXX originally claimed, we contest its validity based on the above information. We are requesting that XXXX XXXX clear our record of this invalid debt claim and remove it from all credit reporting agencies. 
XXXX XXXX employees we spoke with : XXXX - billingXXXX- tech supportXXXX - customer careSincerely, -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX and XXXX XXXX XXXX XXXX Correspondence XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Relations, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Checking or savings account

Yes- my mother 's name still not removed from all of my USAA Banking Accounts. I have contacted USAA about this repeatedly, I have mailed in via XXXX and sent via Mobile Application signed paperwork by myself and my mother to have her removed from my accounts, and today received bank statements with my mother 's name still on them. I have contacted both your organization and USAA several times about this- when is and XXXX XXXX action ever going to take place? I just talked to USAA XXXX 's Office, I believe lady 's name was XXXX as she did not have her headset on correctly and refused to adjust it so I could hear her clearly!!!! Thank you ... ..I guess.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a settlement for over XXXX made for XXXX XXXX. I had ask them I would like for this to be removed once resolved. They took the money and have not Removed this account from off my credit reports. I have reached out to.both XXXX XXXX and Experian in which neither has done anything. Nor provided me with written proof that once paid they would not remove this account off my credit report. That's all I asked and or wanted them to do once payment was received. Payment was received I. XXXXXXXX XXXX XXXX yet they have not done their part by removing this item. Please help me. Thank you.
Product: Bank account or service

I went into the XXXX XXXX branch of Bank of America in XXXX, WA to make a deposit and to pay XXXX bills and the assistant manager wasacting as a teller and she was racist to me. She engaged in XXXX, XXXX bigotry, reverse discrimination, and age discrimination. 
She lied to me and was very rude and was arrogant to me as was hermanager XXXX. I have XXXX at the college and XXXX for39 years and their treatment of me was something you might expect from acouple of street punks. I want Bank of America to be fined and apologize for thetheir treatment of me and learn how to conduct business in a proper manner. 
Both XXXX and XXXX should be terminated over this which is not theXXXX time I have been lied to by these young kids who have certainly let theirXXXX management job go to their heads. I was trying to teach XXXX how Iwanted my transactions handled and she walked off and ignored mebecause she arrogantly thought that she knew better. It is no surprise thatBank of America has an F in customer service. Both of these young peoplewould have failed my Successful Leadership or Servant Leadership class. Itis time for a leadership change at this branch. XXXX have wisdomwhich many young people would do well to listen and learn from ourexperience. After 55 years in XXXX I believe I know a little bit about howbusiness should be conducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX  XXXX Balance : {$5300.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit card

I received an offer in the mail from Citi Bank for a new credit card. The name of the credit card was Platinum Select XXXX XXXX master card and the bank name is Citi. The offer stated that I was eligible for the credit card and if I spent {$3000.00} in the first 3 months that I would receive XXXX XXXX miles. Since they sent me the offer I applied for the card. I was instantly approved for the card. I got the card and started using it. I spent over {$4000.00} dollars on the card and I called in to see when I would get the XXXX bonus miles and they said I would receive them soon. I called back a month later and they told me that I was not eligible for the XXXX bonus miles. I just want Citi to stand up to their word and honor their commitment and give me the XXXX bonus miles.
Product: Debt collection

So I was called by XXXX XXXX XXXX XXXX XXXX while I was at work and they would n't let me get off the phone I was told if I did n't talk to them then I would have to pay the full amount no settlement and it would n't be in good standings anymore. They offered me a settlement and said they needed a payment by the end of the month which was about 3 days away on Saturday. We negotiated a first payment and I asked if I could do {$50.00} I was told the minimum amount would have to be {$100.00} so I agreed reluctantly. I was told if I could n't pay it call a day ahead and cancel. I learned that I had to cancel so I called back a day before. This time I talked to someone new. This time I was told since I could n't do {$100.00} could I do {$50.00}? I was a little aggravated because I felt lied to but I let it go and agreed to be charged for {$50.00} to keep the settlement. The next day I was charged for {$100.00} anyway. I called and was very angry and I was told it must have been a glitch and they would put in a refund request that would take 3-4 business days but this is a big inconvenience because now I ca n't pay my car note on time. Later that same day they called me and said good news that the refund request went through they would cancel the {$100.00} and only charge me {$50.00} I said thank you and later on that night checked my account and I received no money back but was charged another {$50.00}. This is {$150.00} XXXX times the amount I told them to take.
Product: Debt collection

This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or ussentenced to a term of imprisonment of 2 years.
Product: Credit reporting

I am an authorized user on a credit card, but that card does not appear on my Transunion report, even thought it does appear on XXXX and XXXX. Transunion says nothing can be done, and my credit card company says the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. Experian, XXXX and XXXX ) 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. 




Affiant Facts : Affiant is aware and has proof in the attachment labeled as Exhibit B. 

XXXX XXXX Account number # XXXX 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 ) 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 B 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: Debt collection

I received some information but not an actual signed agreement from this agency and I do not agree with the information sent in. Please help assist me.
Product: Mortgage

On XX/XX/2019 we took out a mortgage in the amount of {$340000.00} to purchase a home in XXXX XXXX, UT. The plan was for this loan to be a bridge loan until we sold our home in XXXX XXXX, AZ. 

On XX/XX/2019 I requested wiring instructions from XXXX  XXXX XXXX so that I could make a {$260000.00} principal payment. I was denied the information because XXXX XXXX XXXX was selling our mortgage to Plaza Home Mortgage and I was told that I could not make any payments until XX/XX/2019. 

On XX/XX/2019, I requested the wiring instructions from Plaza Home Mortgage and again was denied the information necessary to make the principal payment. I was told that my account was frozen until XX/XX/2019. 

I have been paying hundreds of dollars in interest on a {$340000.00} loan when I should only have ben paying interest in a {$85000.00} loan since XX/XX/2019. 

After numerous complaints to XXXX XXXX XXXX  and a call to the XXXX XXXX XXXX XXXX XXXX XXXX, refunded interest from XX/XX/2019 XXXX XX/XX/2019. 

I have however still payed interest from XX/XX/2019 thru today XX/XX/2019. 

I have tried over and over again to talk to a supervisor at Plaza Home Mortgage. I have been kept on phone literally for hours without  successfully speaking to anyone. I have left messages for a supervisor and have not received a returned call. 

Can you help? 

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

After checking my credit report I am writing to bring to your attention a concerning issue I have been facing with my credit report. I have consistently requested the removal of unauthorized hard inquiries, which I have noticed on my credit report without any prior knowledge or approval. 

Despite sending letters to all three major credit bureaus, I am uncertain about the effectiveness of my efforts, as these unauthorized inquiries persist on my credit report. Given the impact of such inquiries on my creditworthiness, I kindly request your assistance in investigating and resolving this matter. 

I appreciate your prompt attention to this issue and look forward to your guidance on how to rectify and prevent these unauthorized hard inquiries from negatively affecting my credit profile. 
dditionally, I have encountered another issue with a specific company that continues to report information on my credit report even after I have formally requested them to remove it. Despite my efforts and correspondence with the company, they have not taken the necessary steps to rectify the erroneous reporting. 

Given the significant implications of these issues on my financial standing, I kindly request your urgent assistance in investigating and resolving both matters. Your intervention and guidance on how to rectify and prevent these unauthorized hard inquiries and erroneous reporting from affecting my credit profile would be greatly appreciated. 

Thank you for your prompt attention to these pressing matters, and I look forward to your assistance in resolving these issues. 



I sent my first letter in XX/XX/year> and 3 additional letters after in regards to not only this issue but many more that is stated in the attached letter.
Product: Checking or savings account

As of this writing, my account has been improperly restricted, leaving me without access to vital funds while traveling internationally. This situation has caused significant hardship. On XX/XX/scrub> 2025, I received a wire transfer of {$58000.00} into my account from a house sale. Following this transaction, I made several purchases using my account and associated debit card. Subsequently, the account and card were blocked, prompting me to contact USAA Banks Fraud Department. After completing the verification process as required, my account and card access were restored. However, the following day, my account and card were again blocked without notice or explanation. 

Despite many attempts to speak with a fraud department representative to verify account information and resolve the issue, I have been told nothing can be done to unlock my account except to submit my identification on the USAA website to verify. After doing that I received a call from the Identity team and they verified me and said I needed to call the fraud department again to answer security questions. I called and was told nothing could be done and to resubmit my identification on the website ( an endless loop going nowhere ). 

I am currently traveling outside the United States, this unexpected and unjustified restriction has left him in a precarious situation, unable to meet essential needs in a foreign country. We are low on food and water and, can't pay for transportation, My son is unable to enjoy his vacation and constantly asks do I have money for certain things and I have to tell him no! This banks actions have inflicted undue financial and emotional distress on me and my family. These actions are unacceptable and must be rectified immediately.
Product: Debt collection

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued willful violation of the Fair Credit Reporting Act regarding your refusal to delete all of the UNVERIFIED account information from my consumer file. Despite my three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated to the Creditor Bureaus that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? As previously pointed out to you, XXXX Law Dictionary, 6th Edition, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

I received an unsolicited debit card from MoneyLion, XXXX. I contacted the bank who refused to do anything about it until I provided them with all my personal information ( copy of my driver 's license, copy of my social security card, etc ). They also requested that I file a police report and they wanted me to provide a copy of the report once filed. The debit card would not be canceled until they received all the information requested. Additionally they would not provide any details of when the " bank '' account was opened nor would they provide the " bank '' account number unless I provided all the requested information to them first.
Product: Vehicle loan or lease

A loan amount was discussed and agreed upon in purchasing the XXXX  XXXX XXXX, it was then clear that the dealership and bank made additional fees or possible fraudulent acts to get more money out of the car. The car was posted at roughly {$9000.00} ; on the back end, they asked for approximately {$15000.00}. Wells Fargo is known for fraudulent activities like this in mismanaging various types of accounts of loans. I ask that you please investigate this in my account and bring clarity to what was done to this account. I believe that Wells Fargo incorrectly assessed fees and payments on this car loan as they have shown in their history before.
Product: Debt collection

Transworld Systems Inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Transworld Systems sent letter on XX/XX/21 attempting to collect a debt, which is a fraudulent demand for payment by XXXX XXXX XXXX XXXX. I sent Transworld Systems a letter on XX/XX/21 stating that I do not have any responsibility for the debt. the letter was sent by certified mail ; however, Transworld Systems has not acknowledged receipt despite the USPS tracking showing that it was delivered. This debt is fraudulent demand for payment by XXXX XXXX XXXX XXXX. I provided Transworld Systems the communication I provided to XXXX XXXX XXXX XXXX that this parking charge is not my responsibility as well as their return email confirming their acceptance of the appeal and that no further action is required from me.Despite their acknowledgment that the charge is not mine, XXXX  XXXX XXXX  has sent the matter to a collection agency Transworld Systems in a clear attempt to intimidate into paying this fraudulent charge. Transworld Systems is colluding with XXXX XXXX XXXX XXXX in fraudulently charging citizens and turning these fraudulent demands for payment to collection agencies in an attempt to intimidate people into paying the false charge.
Product: Credit reporting

multiple inquiries from the same companies reported several times and I spoke with the credit bureau before and they removed them and after there crash they where reapplied. Please remove these inquires immediately XXXX XXXX XXXX-they are no longer in business and ran numerous credit inquires against my agreement XXXX-ran my credit once and its reported over and over again as an inquiry XXXX- never authorized this inquiry I was a victim of trans unions inquiry issue and all old inquires were replaced also- XXXX XXXX XXXX XXXX XXXX these where all previously removed and now they are all listed on my credit file twice due to transunions problem please remove them thank you
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against TransUnion for inaccurately reporting my USDOE/XXXX  account ( # XXXX ). Specifically, the account is incorrectly stating that I have never been late, when in fact, this is false. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate reporting of my credit information. TransUnion is currently in violation of this statute by reporting incorrect and misleading information regarding my account payment history. 

I request an immediate investigation and correction of this account. Failure to comply will result in further action as provided by law under the FCRA for reporting inaccurate information.
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : 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.