23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that the Credit Bureaus stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal removal They also violated my rights under 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 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 

If these accounts are not removed I will be reporting you to the XXXX, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering.
Product: Checking or savings account

On XX/XX/2019, I received a XXXX Payment of {$350.00} from XXXX. Funds were instant and all was well until XX/XX/2019. There was an unrecognized charge of {$350.00} labeled as Misc Debit. I assumed this was a XXXX payment reversal so I contacted USAA to fill out a research form to provide me more information it as there was no information on the charge. 

I let time pass and I accepted my loss and had moved on, however recently I wanted to understand what the charge was for so I contacted USAA on XX/XX/2019 and started a call with them at XXXX XXXX  EST. The rep was very kind and assisted me in getting senior specialists to assist in determining what the cause of the charge was. They spoke with their executive big boys/gals and they stated that they were not able to determine the cause of the payment debit other than related to a transfer. They stated if it had been a XXXX  reversal it would be stated as XXXX reversal. Informed that in order to look into it further I would have to get a court-order subpoena to have execs provide internal information as to why my account was debited {$350.00}. 

So here 's the bottom line, USAA admitted that it was not a XXXX payment reversal. Stated that there were no disputes received in regards to the XXXX payment of {$350.00} and that they're unable to provide any further information as to why my account was debited {$350.00}. I do not wish to classify this as an unauthorized charge, but I would allege that it is until USAA is willing to provide accurate information. I trusted USAA to protect my assets and at the drop of a hat {$350.00} poofs and 0 explanation can be given. 

USAA is a great company overall when it comes to my banking needs and would not choose another bank, but the future looks grim if they lose track of their customer 's finances.
Product: Checking or savings account

I attempted several times to transfer funds from an external account to my USAA checking account to cover bills. They all went through with the exception of one for {$200.00}. When I checked, the external account balance was lower than expected and it was lower than the requested transfer amount. I fixed it and submitted a new transfer request. This time, however, it said the amount requested was for more than the approved amount ( Approved amount in red lettering was {$0.00} ). Since it was a federal holiday I figured it was probably a temporary issue. When I tried again in the following days I received the same error message. I then contacted USAA bank and they explained that because of the 1 failed money transfer I was no longer permitted to transfer from an external account. Please note : At this point in time I had accrued a total of 3 NSF fees, and they removed one as a courtesy. Customer service representative said that this would bring me to the " courtesy maximum three NSF fees removals per 12 months '' rule. I again said, if it were not for the bank not allowing me to transfer money due to 1 single failed transfer attempt, an unnecessarily harse penalty, the bills would be paid. The CSR apologized but did not offer more.

In the following week I directly transferred money from my other account but it takes 3- 5 business days to complete the transfer of funds this way, instead of instantaneously like I had become accustomed. In that short time period I RACKED UP a plethora of NSF fees. Without exaggeration, probably equal to or more than I've had in my entire 35 years of banking. I find this extremely punitive and unnecessary. I am unemployed at the moment and this hurts me terribly. 
The date it all started was XX/XX/2022 with one - {$5.00} returned item fee. Then on XX/XX/2022 I received 2 - {$5.00} returned item fees. Probably my fault at this point. Then on XX/XX/XXXX, I received the first of many NSF fee of - {$29.00}. 
On XX/XX/2022 the failed external transfer I mentioned earlier for {$200.00} was returned and I received a - {$5.00} returned item fee. XX/XX/2022 I received 2 more NSF fees each for - {$29.00}. Around this date is when I called customer service and they did grant me the courtesy NSF fee + {$29.00}. 
Then on XX/XX/2022 I received XXXX NSF fees ( - {$87.00} ), XX/XX/2022 XXXX NSF fee ( - {$58.00} ), and XX/XX/2022 XXXX NSF fee ( - {$29.00} ). XX/XX/2022 I received another 3 NSF fees ( - {$87.00} ), on XX/XX/2022 another 3 NSF fees ( - {$87.00} ). 
This is current as of XX/XX/2022. 
Although attempting to get ahead of this, it has unfairly snowballed into a something unmanageable except by intervention by the bank, which they have shown no motivation to do.
Product: Debt collection

I have been paying them monthly and emailed them asking how much is left. No response or monthly statements of balance. I dont have dates of when this started which is why I want to know and they dont seem to care. I spoke to them on the phone ( dont recall ) after receiving a letter ( dont recall ) stating they ( XXXX XXXX XXXX  ) are the collection agency for a XXXX XXXX credit card. I told them sure Ill pay my debt but they wanted more than I was able. So they said they could not formally agree but I could make payments in good faith. So I began paying and even raised it to XXXX XXXX/mo. I just now lowered to {$100.00} because they wont tell me where the balance stands.
Product: Debt collection

Portfolio Recovery is  incorrectly reporting that I owe them a total of {$11000.00} on my credit.     I have never signed for services with them and I do not know who they are. There is no reason for them to be reporting an unpaid debt on my credit report.     My report shows an account number of "   XXXX   '' I 've done some research online and I have only come across negative reviews and scam stories by other consumers who have been harassed by this collection company. As a matter of fact, the   XXXX   XXXX   XXXX   has a negative review rating of 91 %! I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND TRANSUNION ALL RESPONDED TO MY REQUEST TO VALIDATE AND VERIFY CERTAIN ACCOUNTS ON MY CREDIT REPORT TO MAKE SURE THEY WERE XXXX PERCENT ACCURATE. XXXX RESPONDED ON XX/XX/2022, XXXX RESPONDED ON XX/XX/2022 AND TRANSUNION RESPONDED ON XX/XX/2022. ALL 3 CREDIT BUREAUS STATED THAT THE ACCOUNTS WERE INVESTIGATED, VERIFIED, AND XXXX PERCENT ACCURATE. 

BUT HOW IS THIS POSSIBLE IF THE ACCOUNTS HAVE DIFFERENT OPEN DATES WHICH ARE ALL INCORRECT, THE DATE LAST ACTIVE IS INCORRECT AND THE DATE LAST REPORTED IS INCORRECT? THIS IS GROUNDS FOR REMOVAL BECAUSE IT IS PROOF THAT AN INVESTIGATION WAS NOT CONDUCTED PROPERLY AND THE INFORMATION IS NOT XXXX PERCENT ACCURATE PER THE LAW. 

THEY HAVE ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 604 A SECTION 2 : WHICH CLEARLY STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN INSTRUCTIONS. 

I HAVEN'T GIVEN THESE COMPANIES WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ON MY CREDIT REPORT AS WELL. 

THE FOLLOWING ACCOUNTS NEED TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY : 1 : XXXX XXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 2 : XXXX XXXX XXXXXXXX XXXX ACCOUNT # " NO ACCOUNT NUMBER WAS REPORTED BY NONE OF THE CREDIT BUREAUS '' 3 : XXXX XXXX XXXX XXXX ACCOUNT # XXXX ( XXXX ) AND ACCOUNT # XXXX. ( REPORTED TO DIFFERENT ACCOUNT NUMBERS ) I HAVE ALSO ATTACHED PICTURES OF MY CURRENT CREDIT REPORT SUPPORTING MY CLAIM AGAINST THESE CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report I was shocked to see that I have been a victim of identity theft and my credit was used to apply for credit cards. I have noticed an inquiry on my credit report. Please dispute and remove the following inquiry XXXX XXXX ( Bank ) XX/XX/year> 2024
Product: Checking or savings account

At the end of the month of XX/XX/2021, I received checks from TD bank for an account I did not open. i called their fraud department to make the report. 

I went to three different branches and was informed the account was opened online on XX/XX/2021, as of today the account is still open. I made a police report and in addition I sent TD bank a letter via first mail to report the fraud. 

There are credits for unemployment benefits deposited to the account and a payment to a TD bank credit was made from the account. 

I don't know why they have not taken the steps to close the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$970.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

My issue is with cash app and the issue they had with getting hacked and consumers personal information being hacked.
Product: Credit card or prepaid card

I have XXXX separate credit cards, Capital One which is a general card, and XXXX which is a store card. A few months ago Capital One took over the billing for the XXXX card and the e-bills that come via email are identical. They make no distinction on the XXXX bill except the credit card number. SO unless I note the number, it appears I am receiving a duplicate bill and it is deceptive. Twice I have been late with the second bill because I have thought I already paid it. It is deceptive for Capital One to NOT LABEL the bill that is for the XXXX account. There is no reason for them to not distinguish between the XXXX. I have asked them to combine both balances and they said they are not set up to do such a thing. This is affecting my credit score and should not be allowed. It is still a XXXX card. I have not received a new card. The billing should still say XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, and invalidated and you responded by stating you were able to verify or validate. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made have failed to provide proof of how those inaccuracies information were verify, what method was used and who verified it? 
you failed to comply and provide those information by law to remove it from my credit file. I urge you to remove this LATE PAYEMENT on my account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 
including a small claims court in my area. This is my warning. I demand you to delete these items at once XXXX  XXXX ID # XXXX XXXX  XXXX account # XXXX XXXX XXXX  account # XXXX
Product: Credit reporting or other personal consumer reports

My mortgage bank will not report my payments to the credit bureaus. They said they legally need the reaffirmation document from a bankruptcy 15 years ago. I must have forgotten to get that document to the bank holding my mortgage at that time. But they said that even if I could get that document they could not promise me they can do anything anyways because it is so old. My bankruptcy lawyer said they can not do anything either because it is so old also. I have faithfully paid my mortgage on time for 20 years. 5 years with the current bank M & T, 5 years with XXXX and 10 years with XXXX XXXX XXXX which was the original holder. Is there anything you can do to at least cause the current mortgage holder M & T bank to record the last 5 years to the credit bureaus?
Product: Debt collection

JP Recovery Services failed to provide information on debt collection as per Case number : XXXX. Additional details per case number above. Initially the debt was reported for XXXX XXXX, my wife however after we filed a complaint with consumer finance, the debt is being reported to credit bureau under my name. 
We are not aware of this debt, have not received any statements or invoices, JP Recovery services has failed to provide details on this debt and continued to report this debt to the credit bureau. This debt should not be reported to any credit bureau unless a valid invoice is submitted. As per our insurance, we do not owe any balance to anyone including this invoice.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested a free copy of my credit report from Equifax. Upon review of my report I noticed several hard inquiries that took place from XXXX throughXX/XX/XXXX. I called Equifax and spoke to a U.S. Representative and we went step by step through the report and the inquiries were removed. On XX/XX/XXXX I decided to check XXXX XXXX and noticed they were back on there. I sent a letters asking for validation of the information and accounts linked to those inquiries and in return I received a 2 page paper that showed the inquiries I had removed and disputed. I am aware of a data breach with the bureaus and feel my information was compromised. Too many inquiries in a short period of time and no validation ever being sent to me.
Product: Payday loan, title loan, or personal loan

This account is charged off. I have been trying to pay this account as I can. That being said this charged off account that isn't supposed to have any new charges has continually increased outside the length of my loan contract and/or maturity date. The charge off is damaging enough as it is. I have been issued no statement explaining these charges that's beyond the length of my loan contract, I have requested copy of my loan contract and it was never sent. I was able to login to make payments but now I can't
Product: Debt collection

On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under XXXX5 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : INQUIERES 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 As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and TRANSUNION has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, THANKS.
Product: Credit reporting, credit repair services, or other personal consumer reports

trans union is reporting inaccurate account under my name account XXXX for XXXXXXXX XXXX  place in chargeoff/ collections. charge offs are not only concerned income XXXX XXXX it is cancel debt by the irs but i have never receive any anything about this debt this doesn't belong to me and i have no knowledge of such account. how is that this can ordinary income and its furnishing on my credit report this company has filed the lost on the there taxes. this a violation 15usc1681eb it speaks on maximum accuracy of the debt this has to be removed now as its affecting my life pls delete. the other XXXX bureaus removed this account because they were unable to properly verify. I'm confused on why u still reporting this account and have access to the same Information the other credit bureaus do. delete account pls
Product: Student loan

In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.