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

Twice on XX/XX/year> I tried to open a high yield savings account with XXXX XXXX. Both times I was denied without explanation and not provided with any meaningful way to follow up with them. I have no history of banking problems.
Product: Checking or savings account

On XX/XX/2019 I made a transaction of {$1000.00} through USAA using XXXX XXXX to an individual named XXXX XXXX XXXX ( at least that is the name XXXX XXXX gave me. It could be an alias ) whom I thought it was the Co-owner of a Condo I was supposed to " rent '' from and I thought at the time to be a trusted person. The other " owner '' an individual named XXXX XXXX ( again, it could be an alias ) whom I made the supposed " contract '' with and whom I had contact with, I also thought to be a trusted person. On XX/XX/2019 I made another transfer of {$700.00} through my bank using XXXX XXXX again to XXXX XXXX XXXX to complete the supposed deposit and first months rent for a total of {$1700.00}. 

In the supposed contract, one of the individuals mentioned above named XXXX XXXX and I had made an appointment for XX/XX/2019 for him to hand over the keys to the condo so that I could move in on XX/XX/2019. Time of supposed appointment was for XXXX on that day ( XX/XX/2019 ). When I got to the condo shortly before XXXX on the morning of XX/XX/2019. I waited for at least 40 minutes and XXXX XXXX never showed up. I texted him, called him numerous times between XXXX and the 40 minutes that I waited and never received a response from XXXX XXXX . That's when I realized that I had been scammed. I called USAA shortly after and reported a claim of fraud. On XX/XX/2019, my bank sent me a letter telling me that the claim was being denied because they concluded that there was no fraud made, and that no further action will be taken. 

I contacted USAA for a second time on XX/XX/2019 to ask how is it that the bank came to the conclusion of no fraud being committed. I was transferred to a representative named XXXX ( do not recall her last name ). She explained that because I made and authorize the transaction, the investigative only looked at whether I had made the transaction or not. After giving her all the background of what has occurred, the other thing that she suggested that she could do was to submit the case as a dispute rather than a fraud. So, she submitted a claim on my behalf on XX/XX/2019. Ten day later, on XX/XX/2019 USAA sent me an email saying the following : We've completed our investigation and determined an error did not occur for the following reason : XXXX is a personal money transfer service and does not provide purchase protection. The transfer was completed as requested and any dispute must be resolved with the user to whom you sent money to. 

How is it that an institution such as USAA whom I have had many years of trust and confidence, provides a service that does not provide any protection what so ever to its customers? And turns around and wash their hands in the face of criminals using the very service that they provide as a safe option to their customers to transfer money leaving many victims of fraud fend for their selves without any back up from their bank institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent Bankruptcy is being reported. This Company reported the data provider as The US XXXX  Court In XXXX. Additionally, they listed XXXX as a provider of the public record. Documentation from the Court in question and The Data provider XXXX XXXX has been provided. XXXX has requested the item be removed and denies the confirmation of the reporting.
Product: Debt collection

Client services continues to send debt request by mail and I have filed several complaints against the original creditor for selling off a fraudulent debt when they were supposed to honor the fraud claim on this debt after receiving the police reports. This debt is a result of fraud. Send the the debt back to the original creditor and cease seeking to collect a debt in my name as this is fraud. You can retrieve the police reports from the XXXX XXXX police department report XXXX, XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company continues to put false information on my credit report. The amount is {$1100.00} that is on my credit report. The false information appeared on my credit report since XX/XX/2019, and I've tried dealing with them to get it removed. The company 's information is listed below. 

COMPLETE CREDIT SOLUTION XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

account. 
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 inaccurate. 
XXXX XXXXXXXX Other {$140.00} Negative XXXX XXXX XXXX XXXX XXXX  {$0.00} Negative XXXX XXXX  XXXX XXXX Credit card {$150.00} Negative XXXX XXXX XXXX  -... 
Other {$1200.00} Negative XXXX XXXX  Other {$560.00} Negative XXXX XXXX  Other {$2000.00} Negative XXXX XXXX XXXX - XXXX Other {$900.00} Negative XXXX  XXXX Other {$640.00} Negative XXXX XXXX  - Other
Product: Debt collection

On XX/XX/2023 a charge in the amount of {$860.00} was drafted from my savings account with XXXX XXXX  ( also known as XXXX ). I called to see how and where this charge was made and the representative tells that it was a garnishment and the funds were sent to Tiffany & Brown PLLC. I asked for a copy of a judgment order and or a court summons stating that I owe this creditor that money and the answer was we dont have a copy of the order when judgements and levys are in place we just draft the money directly to the creditor. Ive also spoken with representatives from Tiffany & Brown last firm and still have yet to been provided proper documentation ( court order ) stating that I owe the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our mortgage loan was XXXX XXXX to another XXXX effective the XXXX of XXXX, but before that happened, XXXX of the XXXX credit bureaus made a change to what it reported to our credit accounts, but the main problem is with Transunion to start. When trying to access our credit accounts, we were not able and when calling Transunion were told that we had to use " XXXX '' to log in, and was told it was the new XXXX account. But found out yesterday that I still had my previous credit accounts with adding the XXXX was us adding a third account. When calling in to Transunion on yesterday to once more clear things up, they gave a number to call twice ( not transfer ) where it appears they are more interested in getting your SS number, date of birth and email, because the results are always the same, we can not access our credit account until the dispute is over. This dispute is over makes no sense, because it is the first time any of the XXXX credit bureaus have blocked access to an account due to a dispute. In fact, when initially calling in they say clearly that the dispute should not block access. I've searched on " XXXX '' and have asked on a credit forum. Why is the adding process only applying to both my wife and I?
Product: Debt collection

Credence RM is trying to get money for a supposed debt never handed over to them. They have my personal information and are after my SSN. It 's a scam. On XXXX/XXXX/2017, I received a call from a local XXXX, GA number, XXXX. The caller claimed to be trying to collect a debt on behalf of their client, XXXX. As I knew that my insurance had paid XXXX in full almost 6 months ago, I got off the phone and called XXXX directly. I found out from them that their records indicated they were paid in full, that the account had been closed for nearly 6 months, and that the account had never been turned over to a collection agency as it was paid promptly and in full. 

So, I Googled the phone number that I had received the collection call from and found Credence Resource Management LLC. I called Credence directly to try to clear up the matter, but was told they could n't look me up without my Social Security Number, which I was not going to give them, as they had already confirmed my name, phone number, and address, which would be more than sufficient to look up my account. I got off the phone and did some additional research on Google and discovered that Credence RM has a track record for calling from local numbers, never leaving messages, and for being a scammer. As I had been receiving calls from different local numbers recently, I decided to Google those numbers as well, and sure enough, they traced back to Credence RM. 

As my " debt '' does n't exist, and my information was never given to Credence RM, I 'm strongly of the belief that this company is illegally operating to scam people out of their money by illicitly obtaining confidential information, masquerading as a collection agency, and scaring people into giving them money and additional personal information that can be used to steal their identity ( such as SSNs ). It 's alarming to me that Credence RM has information regarding my previous medical treatment, that was not given to them by any of the involved parties ; it begs the question, " how did they get it? ". Given the numerous complaints against this company here on the CFPB, and on Google, I think this company should be investigated for illegal practices and scamming.
Product: Debt collection

I contacted LVNV Funding LLC back in XX/XX/2020. The account was removed from XXXX XXXX. The account was sold to LVNV Funding LLC. This credit card was obtained fraudulently. LVNV Funding LLC has put the collection back onto my credit report as of today Monday XX/XX/2020. I would like this debt permanently removed from my name and removed from my credit report.
Product: Checking or savings account

XX/XX/2020 XXXX Stimulus check amount : {$1200.00} Was depositing my check at a Bank of America ATM and the machine ate my check and didn't deposit it in my account. I contacted the bank, giving them the ATM machine number and was told it could take a 45-50 days for a resolution without any guarantee that the {$1200.00} would be credited into my account in the meantime.
Product: Credit reporting or other personal consumer reports

I have tried multiple times to get experian to remove the names on my report other than one. I have sent id as they have requested and still haven't removed the other names .I spoke to a customer service representative today and he informed me that I must provide my ssn I asked if they had authentication from the social security administration ( SSA ) to release my social security number form SSA-89 . I was told they didn't want to hear about any forms my rights, or laws being Violated. I have also disputed to have charge off, closed accounts, and any collection removed from my report and and late payments they refuse. I sent them a letter XX/XX/XXXX I will attach and have stated multiple times they do not have written or any other type of consent Giving authority for myself the consumer according to 15 USC 1681C - 2 ( A ) HJR192 PRIVACY ACT OF 1974. Certification of indebtedness. I would like these issues resolved immediately.
Product: Credit reporting or other personal consumer reports

I am filing this complaint in regard to my previous disputes with Transunion. I have disputed the same account 3 times to no avail. Each and every time I dispute the inaccurate accounts in question, there is a reinvestigation launched and thrown to XXXX XXXX just to come back verified. This company is not investigating my reports in accordance with the FCRA. I have received an update of my consumer disclosure report from Transunion and the same issues that I dispute in the accounts initially are still present. Transunion continues to verify inaccurate information as accurate. The is a violation of 15 USC 168e ( b ). I wany these accounts removed. All supporting documents including a demand for removal letter has been attached to this complaint. Per 15 USC 1681i ( 5 ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) 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 reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Delete these accounts transunions reinvestigation did not meet Metro2 compliance!
Product: Credit reporting, credit repair services, or other personal consumer reports

I took out a personal loan from cc connect or loan me last year around XXXX and my credit report got a hard inquiry. I took out the loan to help with my credit and they said they report payments. They never reported one payment and i paid it off early and they never reported that. I called several times and they won't help me. All payments were on time and the loan was paid in full early. They just say file a complaint.
Product: Debt collection

I am a victim of Identity theft, someone broke into my car and stole my wallet and luggage along with passport and ss card, I filed a police report and the investigation is ongoing, till this day. Ive never had an account with XXXX XXXX or allied collection services nor did I give anyone permission to open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I spoke with XXXX  XXXX  XXXX  in Utah and they told me that a debt that is reported on my credit report for {$500.00} from XXXX XXXX was my debt. They explained that the accounts reported address was XXXX XXXX XXXX in XXXX, GA however I never lived in Georgia. I did a lookup on the address given and there is a XXXX XXXX XXXX that lives there, my previous name was XXXX XXXX XXXX but I live in Florida. I explained to them that this was NOT my account and they stated I would need to go fill out a police report, spoke with police department who stated to come in and fill out report, I am not driving to Georgia to fill out a report! 
Sent letter to Transunion and XXXX XXXX XXXX, Transunion indicates the following : INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. 

Again, this is NOT my account. Please advise.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to inform you about a very alarming and important issue regarding the compromise of my social security number, which has resulted in me being a victim of a data breach and identity theft. To address this situation promptly, I have already contacted the Federal Trade Commission and filed an FTC Report which is enclosed with this correspondence. By 15 USC 1681c-2 c ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information associated with this identity theft from my credit report. This statute mandates that credit reporting agencies must promptly address such requests within four business days of receiving a complaint that includes the following information : XXXX XXXX XXXX XXXX  - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

XXXX XXXX XXXX XXXXXXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information. 

Unknown - XXXX - The unknown collection account reported negatively impacts my creditworthiness and violates my rights under federal law. Additionally, as a victim of the XXXX data breach, I am concerned about the security of my personal information and the accuracy of my credit report. I demand the immediate deletion of the unknown collection account from my credit report and request a thorough investigation into the matter. Please provide me with a written response detailing the actions taken to rectify the inaccuracies and ensure the security of my credit information.
Product: Vehicle loan or lease

I called the company XX/XX/24 and requested a copy of the 1099-c debt cancellation letter to affirm the charge off that is unlawfully reported on my credit report for account number XXXX ; and they refused.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the debt that you have reported on my credit report. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you claim I owe. I request that you provide me with the following information and documentation to validate this debt : Original Creditor Information : Please provide the name and address of the original creditor, as well as the account number used by the original creditor. 

Proof of Ownership : Provide documentation that demonstrates you have the legal right to collect this debt. This should include a copy of the assignment or sale agreement that transferred the debt to LVNV Funding LLC. 

Itemized Statement : A detailed and itemized statement of the debt, including the amount owed at the time of default, any interest or fees added, and the current balance. 

Payment History : Provide a complete payment history starting from the original debt until the present, showing all charges and payments. 

Original Contract : A copy of the original contract or agreement that created the debt, bearing my signature. 

Verification of Amounts : A statement from the original creditor detailing how the amount claimed as owed was calculated. 

Proof of Notification : Documentation showing that I was properly notified of this debt and given an opportunity to dispute it before it was reported to the credit bureaus. 

Copies of All Communications : Any communication sent to me regarding this debt, including dates and methods of contact. 

Please consider this letter as a formal dispute of the debt and a request for validation under the FDCPA. Until such time as the requested information is provided, I request that you cease all collection activities and remove the collection account from my credit report. 

Thank you for your prompt attention to this matter. I expect a response within XXXX  days of your receipt of this letter. Failure to provide the requested documentation will be considered an acknowledgment that you can not validate the debt, and I will expect the collection account to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Dispute my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Futhermore, Equifaxs actions may also contravene the Consumers Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX take actions to ensure XXXX complies with the federal law and provide consumers with the necessary proof of investigation.
Product: Credit card

This account was opened fraudulently in my name. I already disputed the inquiry when I saw it on my credit report and weeks later this account pops up. I called the company for a faster resolution the agent would not assist me and I asked for a manager. The manager hung up the phone in my face and didnt call back. I told them to remove the information from my credit and close the account because it was fraud and she kept saying it would still be on my credit and it would show as me closing the account even though I never opened it and it was fraud and even though I disputed the inquiry once I saw it. This account needs to be closed and removed from my credit report immediately!!!!!!