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

On XX/XX/XXXX I pulled my Consumer report and I am showing XXXX XXXX XXXX XXXX is reporting XXXX inquiries from companies I did not authorize nor recognize.They are violating federal laws 15 USC 1692g ( debt validation ) as they never validated the debt with the original creditor. They have violated 15 USC 1681 ( Consumers Privacy rights ), they have also violated FDCPA. They are reporting inaccurate information on my consumer report hindering me from obtaining credit for a car. I sent certified mail demanding removal on XX/XX/XXXX and they have failed to respond. According to federal laws they have 30 days to respond and are outside of the response time window. 


15 U.S. Code 1681d - Disclosure of investigative consumer reports ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. 

I demand removal of the misinformation being reported without my consent. They are also invading my privacy which is against federal laws.
Product: Bank account or service

Hello Consumer Financial Protection Bureau, I am an XXXX XXXX veteran currently serving in the CA XXXX XXXX XXXX and prior USAA member who has had USAA products and services in the past, such as mortgage loans, auto insurance, credit cards, checking/savings accounts, and auto loans ; all of which were in good standing. USAA stated that I could no longer be a member after a homeowner 's insurance claim was denied over the theft of personal property from my home. On XXXX, I won a judgement in small claims court against USAA for failing to make me whole ( please see enclosed ) and I was found to have no wrong-doing, however, USAA has maintained that I " misrepresented information. '' Prior to this scenario, I was a happy USAA member for many years and had satisfactorily used USAA products and services without discrimination. I am hoping that USAA will reconsider with forgiveness and mercy so that my eligible family and I can become members going forward. I am requesting to be a USAA member once again with the same membership rights privileges, and nancial resources afforded to other XXXX veterans. I am asking for your help in forwarding this written request to USAA since they have ignored my fax, emails, and written letter. I have high hopes that USAA will consider the USAA XXXX " We stand by you. USAA is dedicated to serving XXXX members and their families by offering more benets than any other major nancial service provider. '' Kindest regards, XXXX XXXX Member # XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Mortgage

XX/XX/XXXX- called and then emailed the forbearance request. I was told we were approved for 3 months and after the 3 months resubmit if we need more time. 

XXXX started loan forbearanceXX/XX/XXXX resubmitted for another 3 months of forbearance. 
XXXX was last month of Forebearance. 

XXXX started making my regular loan payments as forbearance period ended. 

I was told that the interest accumulated during the forbearance would be tacked on to the end of my loan or if I refinanced or sold my house I would pay it off then. 

I have been going back and forth with bank of hope for almost 2 months trying to get something g that says this. We are trying to refi and every other bank is providing this type of letter. We are being penalized and told it will take months for us to get a letter. We have been making payments since XX/XX/ and they have taken all to interest and none to principle. I feel we are being taken advantage of and penalized for the covid relief program. This is illegal
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 U.S.C. 1681. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an 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: Checking or savings account

- Account opened XX/XX/XXXX - Spoke with Ally Bank Agent XX/XX/XXXX ; Agent indicated money would be avaliable for withdrawal the following day XX/XX/XXXX. 
- Made purchaseon XX/XX/XXXX requiring wiring of funds by XX/XX/XXXX ; Purchase made based on Ally Bank representative statement. 
- Spoke with Ally Agent XX/XX/XXXX requesting withdrawal of funds, and was denied request. 
- Due to bank 's failure to provide accurate information and withdrawl funds on XX/XX/XXXX, I was charged a {$400.00} fee for failure to provide funds on XX/XX/XXXX. 


Bank reference number for call : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Hello, As a consumer I am finding myself extremely worried that even after contacting both Brigit to stop charging & demote my membership to a free version- and to my bank, to stop payment to Brigit, that this predatory company would go to these lengths in order to drain money from my bank account. 

My last Valid membership fee charged by Brigit was on XX/XX/XXXX in the amount of {$9.00}. 

Because I no longer needed service and their membership provided no material benefits, I contacted their customer service chat to delete my account. The representative said that I could be lowered to a free version and begin membership if I would like to use the service again. 

Then on XX/XX/XXXX - I see XXXX charges made by Brigit to my checking account. XXXX for {$0.00} and the other for {$9.00}. 

Following these charges, I called my Bank to report that Brigit was still charging me even though I had canceled 2 months ago in XXXX when I had last used their service. My bank had placed a stop payment to Brigit. 

Attached is an email confirmation from my Bank, showing recurring payments to BRIGIT have been canceled as of XX/XX/XXXX. 

The next month in XX/XX/XXXX, I received an email from BRIGIT, alerting me that my bank account had been disconnected. 

However, on XX/XX/XXXX - BRIGIT charged my bank account once again for {$9.00}. After canceling service, stopping payment with my Bank, and having my account disconnected from their system - BRIGIT still found a way to keep on charging my account for a membership or a product or service that I am not using.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the tracking # XXXX. 

According to the FCRA The Term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquantained or who may have knowledge concerning any such items of information. 

They stated my accounts were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still NOT reporting accurate and according to the FRCA 15 USC 1681 everything has to be 100 % accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts ; XXXX XXXX XXXX XXXX XXXX XXXX  ; XXXX XXXXXXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX ; # XXXX XXXX XXXX XXXX ; Acct # XXXX XXXX XXXX XXXX XXXX ; Acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX ; Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX Acct # XXXX Bank XXXX XXXX Total card XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  Acct # XXXXXXXX XXXX XXXX Acct # XXXX
Product: Credit card

XX/XX/year>, My XXXX account was hacked -- the hackers changed my email address and booked several flights maxing out my credit card. 

XX/XX/XXXX XXXX the same day I contacted XXXX to alert them of the fraud. 

XXXX XXXX XXXX issues a refund to my credit card ending in XXXX. 

Between XX/XX/XXXX and XX/XX/XXXX I notified my bank of the fraudulent activity. 

The bank told me they never received the refund from XXXX XXXX and they denied my fraud claim. 

XX/XX/year> XXXX sent me refund receipts and tracking numbers to confirm they had sent the refund to Bank of America. 

XXXX XXXX Bank of America told me " XXXX XXXX is lying '' and there was nothing they could do.
Product: Checking or savings account

During the end of the Summer in 2021 I was taken advantage of through my bank account and Bank of America. I have filed primal charges against those involved in the scam to access and cash out debits form my Bank of America account. Never once did BOA flag these aronius and numerous actions on any given day as fraud. When I was finally healthy again I went to Bank of America to get my records and and explanations how my address was changed to a Florida one without proper identification and how they would allow numerous withdrawals each day of cash. They not once flagged these as fraud. Furthermore they changed the first person my son and I spoke to at BOA in XXXX NY and the second person could not find my account records or even my social security deposits I live off of. They then printed out after 4 hours what they could find and told us that is all they good do. The fraud department never called us back nor did they provide any way for me to reconcile the money.
Product: Credit reporting or other personal consumer reports

Called 800 number unable to reach rep due to I have no account info. I never had business with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and your company is still continuing to report errors on my credit file, which is causing damage to my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting.
Product: Checking or savings account

A friend and I opened an account for them online together over the phone. Friend mailed me a power of attorney as well as {$18000.00} stimulus check to deposit. Capital One bank froze the account and is denying the use of the power of attorney to withdraw funds from the account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am submitting this dispute on my own behalf. I am demanding the removal of the negative information lexis nexus is reporting on my consumer report of a bankruptcy. The bankruptcy court does not share information with consumer reporting agencies therefore they are not a furnisher. In Lexis Nexus response on XX/XX/year> a rep stated the court is a furnisher when in fact they do not report information to the CRAs. Lexis Nexus is reporting this information without permissible purposes which is a violation of 15 usc 1681b. Under the Fair Credit Reporting act i am a protected consumer and Lexis Nexis has a duty to comply with all parts of the law with respect to my right to privacy as congress intended. Lexis Nexis is an elaborate mechanism who assumed the responsibility as a consumer reporting agency and is not a government entity and NEVER had consent to purchase and sell any of my personal information. I am requesting the method of verification used to obtain the information and proof the court reported this information to them. If Lexis Nexus is not able to provide documents stating the court shared this information with them it needs to be removed immediately. The information reported by Lexis Nexus causes adverse actions against consumers such as being denied housing effecting ones livelihood, securing employment and ones right to credit. Lexis Nexus is civilly liable for any adverse action that has occurred up to this date and failure to remove the information will result in legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a current balance of {$1000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was turned back in per the terms of the agreement. There is no outstanding balance due. Please update and/or remove this line item from my credit report. This false reporting of a balance due is harming my credit score. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX XXXX as well as the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX  CREDIT XX/XX/XXXX XXXX  CREDIT XX/XX/XXXX XXXX  CREDIT XXXX XX/XX/XXXX
Product: Debt collection

My sister called me and told me someone contacted her stating that they had her name and my name and social security number " red flagged ''. This was a lie. I told this company not to contact me. To only contact me by mail. 

Northwood Asset Management. 

They misrepresented themselves and mentioned my name to a third party.
Product: Debt collection

Company placed a COLLECTION notification on my credit report even though I paid full amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have banked with XXXX for years and I was having issues with fraud charges recently on my checking account and I wanted to close because getting a new card was obviously not stopping the issues. 

( I recently went to the local sheriffs department and filed a report in regards to suspicious and fraudulent issues-I will attach report proof ) I opened a second account and a bunch of very strange things happened on the original account that I was planning on closing. My bank account went from having thousands of dollars in it to be - {$950.00} negative. I basically stopped using that account until I would have time to call them and figure out what happened. I was missing {$1000.00} and it was saying I was {$1000.00} negative. And the math did not add up or show in the online statement what happened. 
After speaking with XXXX XXXX department they agreed there was something wrong and was told they were going to have the fraud department reach out to me however they never did. ( This was approx a week ago ) they closed my account yesterday and claimed it was a charge off account! the account balance was +500.00 positive at the time because I just received 2 separate XXXX XXXX transactions and they put my account as into collections for {$940.00}!! 

I spoke with the fraud department. They agreed that the math didnt add up and forwarded me to an XXXX management where she gave me proof that my account was XXXX positive status when closed. And that the USAA had a bank system update at the time of my accounts issues a month earlier-that caused this issue of my bank account balance to be incorrect. ( I should not be able to spend or transfer money if even XXXX dollar off. I have protection to make sure I do not overdraft. If I normally try to transfer or spend money my account will deny charge and say not enough funds ) We were also able to go through the statements and see that there was almost {$900.00} in fraud at the same time. 

However the account is closed! Its also already in collections and there was nothing that she can do about that other than give me the proof to submit and Im not really sure how Im supposed to get that {$900.00} reimbursed to me! Or get this entire Account off my credit record and stop harming me. I was denied car loans because of this even though I have finances and credit this mistake ( equally usaa and fraud not due to any mistakes I made and I am tired of it effecting me after I worked so hard to build my credit!
Product: Credit reporting or other personal consumer reports

Im writing with a heavy heart to dispute some inaccurate information on my credit report. The following items are incorrect, and theyre causing significant damage to my credit score. This is really stressful for me, as Ive always tried my best to manage my finances, and seeing this has been overwhelming. 

XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX balance : {$480.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate Account Name : XXXX XXXX XXXX Account Number : XXXX balance : {$18000.00} Reason : I disagree with the findings of your investigation regarding the missed and late payments on this account. I request a detailed statement of all payments made and missed since the account was opened, as I believe the reported results are inaccurate. 
delete this account Date of Last Activity : Inaccurate Close Date : Inaccurate Payment status : Inaccurate INQUIRIES : TRANSUNION 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 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 XXXXXX/XX/XXXX Im concerned and confused to see this lender on my credit report. I dont recognize them and dont remember authorizing a hard inquiry. There are multiple inquiries in one day, but I only approved one. This has caused me a lot of stress. Please provide proof of authorization or remove the unauthorized inquiries immediately.
Product: Credit card or prepaid card

Someone stole my information and opened a Credit card in my name and talked to the bank more than a time but they say they sent the Credit card to the address of my house and I did not use this Credit card My name XXXX XXXX XXXX Bank name discover bank Open date XXXX 2017 Amount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXXXXXX XXXX XXXX Date XX/XX/21. I did not give this company permission to access my credit report because I was already approved by XXXX. The dealership used my Social Security number without my consent. I had no knowledge of this inquiry.
Product: Debt collection

Person is constantly contacting my ex husbands cell phone looking for me from a National Debt Recovery number at XXXX. The last incident on XXXX at XXXX XXXX from a XXXX XXXX. This company has never provided any type of written communication, yet calls my ex husband and previous employer several times. I can provide phone records as needed. Person has claimed 'legal action ' implying legal action on an unverified account.
Product: Credit reporting or other personal consumer reports

I request that my address be updated to correct and take the information pertaining to Credit Acceptance, Capital One XXXX XXXX Auto, Credit One credit cards, Student Loan Info, And all the other information in my Credit report to be removed and updated with the correct information Because it's affecting my Credit score and when I apply for things and I did it once over the phone and a couple times by mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very frustrated and confused as to why I still have inaccurate late payments being shown on my XXXX XXXX. I disputed these inaccurate late payments so many times. Im about to get married, and start a family with my wife. But I dont have my own home. I want to buy my first home so badly. But these late payments are really hurting it and preventing me from qualifying for a home. I really, really, REALLY like being a XXXX customer but I wish they would put the effort into looking into my concerns about the inaccuracies on my credit report. I want these late payments updated to current and paid as agreed. 
I called XXXX  on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called Experian on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I mailed out letters to XXXX, Experian, and XXXX on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020 This account is inaccurate because - XXXX  states  30 days late on XX/XX/XXXX but XXXX and Experian state OK - XXXX  and Experian are reporting correctly. 
- XXXX  and Experian states 30 days late on XX/XX/XXXX but XXXX  states OK - XXXX  is reporting correctly. 
- I disputed these late payments multiple times, by law if I dispute an account it should state so in the Comments and it doesnt. This is a VIOLATION!
Product: Debt collection

I'm writing to express my extreme dissatisfaction with the handling of my credit report. Despite multiple requests, you have failed to investigate and rectify inaccuracies on my personal credit profile. It's imperative to understand that your disregard for my requests constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). This legislation mandates the thorough investigation of disputed information. 
Accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX