23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

USAA FSB has restricted my account access online. They say it is due to a previous charge off with a USAA credit card - discharged in XXXX. I am told they are no longer attempting to collect on this debt but since it is a loss on the bank, it is " policy '' to not allow me to access my checking or insurance accounts. Insurance policies are not easily changed and are long term. When I ask for access, they give me a mobile website access for the day, then lock it once more. From my perspective ( and any reasonable person ) USAA continues to try and collect this debt to the level of harassment - and impedes my activity even with other divisions unrelated to the banking. Secondary, they place holds on every deposit for XXXX days, etc. all claiming to be " within policy ''.
Product: Credit reporting or other personal consumer reports

I moved out of my townhome where my husband and I rented from XXXX XXXX XXXX on XX/XX/XXXX. We have been staying there since XXXX of XXXX. This collection from Holloway Credit Solution in the amount of {$3600.00} was added just XX/XX/XXXX but the account has been opened since XX/XX/XXXX and I was not informed of any of this. According to my credit report, the Holloway Credit Solution bought this debt from XXXX XXXX XXXX. I was not informed of this balance from the original company. I did not authorize the original company to sell my information to a collection agency. This collection is not on my husbands credit and we were both on the lease. I am the only XXXX affected by this collection and it is hurting my credit.
Product: Mortgage

Nationstar Mortgage will not remove the PMI on my FHA loan eventhough I have enough equity in the property.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Experian credit report, I noticed that there are erroneous and unverified negative information that is affecting my credit worthiness. The other Bureaus do not even report these items on my credit file.
Product: Credit reporting or other personal consumer reports

Delete Hard Inquiries from Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

Global lending services keep calling me and my husband saying that we are references on a loan that my ex husband 's ex wife has. They won't stop bothering us
Product: Debt collection

I dont know know this company, and they have harassed me several times ; I have repeatedly asked to them explanation of the collection and to send a letter to my current address validating the debt and explain the charges. They have not done so. I have offered to pay this debt in full if they are willing to remove this derogatory remark even though I dont believe I owe us this debt, they have however, refused to answer me after that as well. They continue to harass me without explanation or whom the original creditor was. I believe they have reported to my credit twice from different company names XXXX XXXX XXXX And Ability Recovery Services
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash app I was scammed on their app 2 weeks before XXXX. I filed a complaint and received a message that cash app would get back to me to work out the dispute via email. They never did. I was scammed out of {$200.00} on this service and theyve done nothing and theres no way for me to speak to anyone about it. It is now XX/XX/XXXX and Ive still not heard back from them. I needed that money for my rent and was put in a very difficult situation around the holidays. These processes have violated my rights under the Consumer Financial Protection Act. Specifically cash apps failure to take timely and effective measures nearly left me homeless on the holidays. They didnt comply with the error resolution requirements under the Electronic Funds Transfer Act. This has caused immense stress and financial loss. I have proof of all of the above statements and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

XXXX is reporting to the credit bureaus that this account was charged off, closed in XXXX, and XXXX, as well as showing recent activity as well as constantly calling for a payment
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Equifax regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1 Name : My current legal name is : XXXX XXXX, but it is listed incorrectly on my credit report. I request that my name be updated to reflect the correct information. 

2 Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, Florida, XXXX, but my credit report shows an outdated address. I request that my current address be updated accordingly. 

3 Contact Information : My main contact number is XXXX :. I would like this number to be updated. 
4 5 Date of Birth : XX/XX/year> ( XX/XX/year> ) 6 Employer : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX, FL XXXX. 


Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license A copy of my Social Security A recent utility bill
Product: Debt collection

Over a year ago I went to the emergency room, upon being released I talked with the front desk and they were able to waive my charges due to my financial situation. Over a year went by and I noticed a collection on my credit report for {$820.00}, I called the company and they claim it was related to medical bills from a year ago. I never received any bills from the hospital, in fact I have paperwork showing I have {$0.00} balance. I called the company again after trying to distthe charge with my credit company for months and now they say there is a second collection of over {$2000.00} alongside the {$800.00}. They will not remove this from my credit report and want me to make payments to them.
Product: Credit reporting or other personal consumer reports

I have sent 3 dispute letters to all three credit bureaus XXXX, XXXX, and Experian to correct my personal information, and yet it has not been done. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i and 15 U.S.C. 1681c, I have the right to dispute any inaccurate information and request that it be corrected promptly.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain accurate information, and I trust that you will make the necessary corrections promptly. In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I expect to receive written confirmation of the outcome of your investigation and a corrected copy of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section XXXX of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is the CRA which has continued to report inaccurate account information and status as of XX/XX/18. 
I have filed online dispute yet they continue to report the inaccurate information over the last several years. 
Multiple accounts are not mine and I am not responsible for those accounts. 
2 other accounts are showing up written off when they were not and they have been paid in full. The dates reported of last payment is incorrect.

2 Medical accounts are being reported that are inaccurate and were paid by insurance. 
The dates of when these were opened are false and without merit. 
I have asked for proof and they have not provided said documentation.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed that I had fraudulent accounts on my report. the account number is : XXXX, please remove these accounts from my report, they are hurting my ability to get credit.
Product: Debt collection

I received an email saying I owe this debt. Never heard of nor had any interactions with this Hospital or this debt collector! Please assist in the removal of this negative and erroneous information from my credit file.
Product: Debt collection

I have written XXXX XXXX, filed complaints with the CFPB and the credit reporting agencies in regards to this fraudulent account. I did not authorize this account nor did I give anyone permission to obtain credit in my name. This bill does not belong to me and I refuse to pay it.
Product: Vehicle loan or lease

I made a truck payment in the amount of XXXX on XX/XX/2018 and looked on my account and only XXXX was applied to the account. I can't get them to even acknowledge this much less fix it. I have proof in my bank account that the XXXX was taken from my account as I did this electronically. 
The company is Wells Fargo Dealer Services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, consumer XXXX is being violated by Transunion and XXXX. These credit reporting agencies has added account XXXX from XXXX XXXX to my credit report. Fact, According to 15 U.S. Code 1681a ( d ) ( 2 ), a consumer report does NOT include - ( A ) any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. This is the first violation that was committed. You willingly and knowingly reported accounts that is solely as to transactions and experiences between I, the consumer, and the person making the report. Fact, According to the law, that is suppose to be excluded from the credit report. 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( iii ), communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I was never given an opportunity to give my consent before the initial communication. Fact, According to 15 US Code 1681a ( e ), a credit reporting agency may not include any specific factual information on my credit report record that was obtained directly from any creditor or from me, which is exactly what has happened already. They have including specific factual information on my credit report, which is a violation. Fact, According to 15 US Code 1681a ( d ) ( 2 ) Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Transunion and XXXX  has violated 15 UC Code 1681a by placing a credit card on my credit report, which is suppose to be excluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an APPROVAL letter from the IRS that was sent to  XXXX   County Circuit Court instructing them to remove the Tax Lein entry on my credit rep orts, I contacted the courts and they stated that they have no procedure to verify records with the credit reporting agencies. But the Credit Bureaus  XXXX , and Equifax did not remove the entry, but  XXXX  remove the entry after I sent a certified letter to them concerning this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont know what happened but I started seeing mailings coming to XXXX saying I have like 5 credit cards but I never open one before and I dont know what to do in this moment.

And have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual.

15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Bank account or service

I am unable to open a checking or savings account could you please provide me with the discrepancies so I can resolve this matter.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no explanation for them. I check my report regularly, but suddenly, there are unexplained discrepancies. After refreshing the browser multiple times, I confirmed it wasnt just a technical error. I need this issue resolved immediately, and I am really frustrated. Please check the documents I've provided so I can stop worrying about this happening again.
Product: Credit reporting or other personal consumer reports

Last 4 of SSN : XXXX RE : Account Number To whom it may concern, this letter is a formal request to remove the following outdated information from my credit report. 

1. DEPT OF EDUCATIONXXXX XXXX XXXX paid/closed ACCOUNTS NEED TO BE REMOVED. THESE ACCOUNTS ARE OUTDATED AND WAS CONSOLIDATED TO ONE LOAN YEARS AGO! This inaccurate information is erroneously affecting my credit report and hindering my credit due to outdated information and incorrect information on my credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XXXX! 

I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. 

Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter. 

Thank you for your consideration and cooperation in resolving this matter.
Product: Checking or savings account

I paid XXXX a deposit back in XX/XX/XXXX  and I canceled the trip to XXXX XX/XX/XXXX and was told I would get refund. I paid the deposit with my Dave debit card through XXXX. I contacted XXXX a few days later when on my XXXX account it showed refund was complete. Money was not in my XXXX account and was told by XXXX that it goes to original payment which was Dave account. I contacted Dave and was told that since account was closed that they rejected payment and it would go back to XXXX. I contacted XXXX again and was told if Dave rejected it that it would go to XXXX and they would reject it and it would end up in XXXX account. This has not happened. I contacted XXXX again and was told they could track the refund and could go from there. That was yesterday. Today I received email from XXXX that they tracked the refund and Dave had accepted the refund and it was complete. I contacted Dave and was told via email that since account is closed that they dont have a way to receive funds and to contact XXXX . The tracking of the refund shows Dave account accepted but they say they didnt. Also with XXXX I have spoken to 6 different people and pretty much always told the same thing. I can not get a Dave live person. I call and when I put in account that is now closed it says that account is closed and I can not talk to anyone. All of my interactions with Dave have been via email and I dont feel like they care that tracking has been done. They just say they dont have it and sorry its not the outcome I wanted. I have {$200.00} floating around that I cant get and Im beyond frustrated.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my identity was stolen and someone applied for a XXXX XXXX account and activated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I filed a report with XXXX In XXXX I had a data breach with Equifax and I have several accounts on my credit report that is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon careful review of the Consumer Credit Report, Pursuant to title 15 1681 ( a ) ( 2 ) exclusions ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late Payments Entries Identified On The Consumer Report Are A Violation Of My Rights As Consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am dismayed by the capability of the Credit Reporting Agencies to retain disregarding a consumer 's appeal for the alteration of the disputed account on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I need the account corrected XXXX : XXXX XXXX
Product: Credit card

I applied for a bank of America Allegiant visa signature card on XX/XX/2023 and got denied. I have the right to credit. Denied access to my verified account Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act. Denying me access to my credit is discrimination.
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report, please remove fraudulent accounts and inquiries thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DC XXXX XXXX XXXX XXXX XXXX XXXX , DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$24000.00} ( Original Creditor : XXXX XXXX XXXX ) Balance : {$10000.00} XXXX XXXX XX/XX/2023