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

I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Checking or savings account

On XX/XX/2023, USAA suddenly and without notice halted my ability to make mobile deposits to my checking and savings accounts. I've had accounts with USAA for more than 10 years and have consistently made deposits with little to no issues. When I tried to make this most recent deposit on XX/XX/XXXX, I received an automated message that said, " due to banking history, I could not make mobile deposits. '' When I called USAA on XX/XX/XXXX, I was told that because my XXXX son 's account ( which is linked to mine ; I opened it for him when he was a minor ) was subjected to XXXX fraudulent deposits in the amounts of {$25000.00} and {$10000.00}, that my account -- which is in no way accessible by anybody but me -- was therefore being penalized and barred from mobile deposits. Since USAA has no branches or ATMs that takes deposits, this makes my USAA account virtually useless to me. I spoke with XXXX USAA officials in member services and member resolutions over the course of XXXX day to try and get this situation rectified by either having my son 's account severed from mine ( so that I could resume normal banking activities on my accounts ) or by having the unfair penalty removed from my account ( so that I could resume mobile deposits ), but was told USAA could not help me. I am being wrongly penalized for fraud committed on my son 's account by a criminal because I believe USAA does not want to take accountability for the fact they were negligent in allowing the fraud to go forth in the first place. ( My son had called USAA to report the fraudulent deposits and the criminal activities on his account numerous times over the span of three-five days -- but USAA never stopped the fraud ; never stopped the fraudulent deposits ; never stopped the subsequent dozens of fraudulent cash withdrawals that occurred out-of-state. ) I should not be penalized for the actions of criminals on an account that is owned by my XXXX son, especially when USAA was negligent in halting the criminal activity in the first place. USAA also refuses to give full information about the status of the investigation into my son 's fraud complaint, so that when I call to try and resolve my current mobile deposit issue, or to sever my son 's account from mine, I'm told that USAA can not do that because my son 's account is undergoing a fraud investigation -- but then USAA will not provide clear information about the fraud investigation to either myself or my son. In other words, USAA is not only penalizing my accounts for criminal activity that affected my son 's account -- but USAA is also refusing to give information about the investigation of this criminal activity that could be used to clear up the issues with my accounts ( as well as my son 's account ).
Product: Debt collection

I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information. 
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within XXXX  ( XXXX ) days of the completion of your re-investigation.
Product: Credit reporting

There 's a XXXX XXXX account on my Transition file that does n't belong to me. I 've been trying to get rid of for years. Additionally, I got an alert some recent credit inquiries were made without my permission. When I tried to submit my dispute on an account and inquiries and got this message : Request Failed Thank you for contacting TransUnion. Our goal is to maintain complete and accurate information on consumer credit reports. The dispute request you sent us via the TransUnion online dispute feature will require manual processing. 
Dispute Resolution Steps REPORT DATE XXXX/2017 NAME XXXX XXXX XXXX ADDRESS XXXX XXXX, XXXX XXXX What will happen next? 
If you have any documentation to support your dispute claim, you may provide the information to us via mail at XXXX XXXX XXXX XXXX XXXX XXXX. Please remember to include your File Identification Number on all correspondence to TransUnion. 
We will investigate your dispute and return our response via U.S. postal mail. Internet delivery of the dispute resolution is not available for this request. 
If you have any additional questions or concerns, please contact TransUnion at the address shown below to check the status of your dispute. 
TransUnion Consumer Relations XXXXXXXX XXXX When contacting our office, please provide your current file number XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX ; XXXX XXXX, Account # : XXXX ; XXXX XXXX Account # : XXXX ; XXXX Account # : 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 : It also states a consumer reporting agency can not furnish A account without my written instructions.
Product: Credit reporting or other personal consumer reports

Credit inquiry on my credit report that was not me. The inquiry was on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There was two accounts opened for a Car loan for first national bank and XXXX XXXX that has been disputed under identical theft, but still remains on my credit report after multiple disputes, Ive given them the police report numbers and also the FTC filing numbers stating specific sections of the FCRA mailed to them registered returned mail
Product: Debt collection

I submitted a dispute on XX/XX/2020 to Portfolio Recoveries ( Account # XXXX ) and to all 3 credit bureaus about an inaccurate collection account that reported without sending me any notifications in the mail. 

It's been over 30 days, no response from any party and the account is still reporting on my credit report. By law it needs to be removed if they don't validate in 30 days.
Product: Student loan

Please note that there are several payments that are uncounted for under the ED financial account history, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Where did the money that came out of my bank account go? Please see attached documentation. Also, I would like a separate recount of my repayment through XXXX, etc. I have been paying on my loan for nearly XXXX  years. I would like my accounts reassessed for potential forgiveness.
Product: Checking or savings account

Between the time of XXXX and XXXX I was a victim of identity theft and had multiple bank accounts fraudulently accessed. On XX/XX/XXXX, I opened a checkings account through the XXXX XXXX  XXXX and during the time I was a college student so I mainly only used my bank account for day to day things like rent, groceries and paying bills. Moving forward to XX/XX/XXXX my bank account was closed by the bank due to account checking fraud. I was told that there was nothing I could do, so I went on and decided to open checking account at but this time at chase bank. My bank account at Chase was opened XX/XX/XXXX and I was in good standing with that bank account for about a year until I got my identity stolen, because of an incident where my wallet was taken from me. Due to the incident I started seeing unusual transactions happen on my account that later led to my checking account being closed on XX/XX/XXXX. Chase closed my account and I was no longer able to bank at another financial institution after that incident. It is now XXXX and Ive just excepted the fact that these things happen and have ignored the fact that I havent been able to have a bank account for years now and I would like help getting past this unfortunate hold on my life and regain access to a traditional financial institution account instead of using prepaid cards. Majority of these things happened to me between the ages of XXXX to XXXX. I am now XXXX years old going on XXXX and I would like to get help figuring out what I could do in order to regain access to a traditional checkings and savings account.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX ( today ) I tried to transfer money from my American PNC account to my XXXX card and it said PNC " Prevents transfer of money to different accounts ''. This is ridiculous and ive never had this problem before.
Product: Debt collection

I went to a local bank for financing and they advised me I have a collection on my XXXX XXXX credit report from WAYPOINT RESOURCE GROUP LLC representing XXXXXXXX XXXX I called XXXX XXXX XXXX and they advised me to go to a local store to speak with the manager. I went to the XXXX XXXX store and the manager advised me that they could not see my complete account information due to the account being sold to a collection agency. The manager did share with me that there were 2 numbers listed for collection, they would only give me the last 4 digits of the phone numbers, XXXX & XXXX. I looked through my contact list on my phone and those numbers were never on my account. I then called Waypoint, I asked the rep to provide me with invoices proving the charges and she refused, and stated that the charges are valid and the only thing she would offer is a lessor payment, fromXXXX to XXXX. I advised the rep I knew nothing about the charges and would not pay anything until it was proven of what I owed. She got very rude and said " it's not my credit that's being ruined if you don't pay '' I asked her her name and she would not provide it. I asked to speak to her manager and she hung up. I called back to try to get a different rep and she answered the phone again, she asked me why am I calling unless I am going to pay her XXXX dollars, and hung up on me again. I filed a dispute with XXXX XXXX and then called them. after speaking to the XXXX XXXX rep she advised me to submit a report with the FTC and she opened another dispute on my credit file for fraud. She stated by law, the collection agency or XXXX XXXXXXXX has to provide me with documentation of the charges. She advised me once I get the report number to mail it and a copy of my SS card to the XXXX XXXX office to have the collection removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent item reporting on my credit report that colony brands/ XXXX XXXXagreed to delete and im not sure if the bureaus or refusing or colony brands/ XXXX XXXX  informed them yet but its been over a week.
Product: Credit reporting or other personal consumer reports

The company violated my right to privacy. Also has not provided me with proof of the original agreement or contract and have negative items on my credit report. I gave no permission to or signed any contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report as soon as possible. I have already taken action to prevent anyone else to try and open anything under my social security. XXXX XXXX XXXX {$1100.00} XXXX XXXX {$71.00} XXXX XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$75.00} XXXX XXXX {$270.00} XXXX XXXX {$250.00} XXXX XXXX XXXX {$360.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX {$100.00} COLLECTIONS XXXX XXXX {$43.00} CHAPTER XXXX BANKRUPTCY DISHCARGED XXXX {$0.00} XXXX XXXX/XXXXF XXXX {$920.00} XXXX/XXXX XXXX {$440.00} XXXX XXXX XXXX {$880.00} XXXX XXXX {$780.00} XXXX XXXX {$2400.00}
Product: Credit card

I am writing to dispute recent correspondence from Discover Financial Services. I reported fraudulent charges to my credit card but they remain on my account. I timely notified the companies I never received any goods or services and the companies agreed to take the charges off the account, yet Discover continues to place the fraudulent charges to my account. This is very XXXX to me as I am a victim of identity theft and insurance fraud. Please help me.
Product: Credit reporting or other personal consumer reports

I was astounded and XXXX  to discover that credit inquiries were being conducted without my consent. I have attempted to obtain the following information from the creditors ; however, they have neglected to respond. Details of the Inquiry : Request that the creditor furnish specific information regarding the inquiry, including the date of its initiation, the purpose of the inquiry, and the credit product or service that is associated with it. Application Documentation : Obtain copies of any credit applications or other documents that are pertinent to the inquiry. This may encompass disclosures, agreements, or application forms that you would have completed or received during the credit application process. Documentation of Authorization : Request that the creditor furnish evidence of your authorization for the inquiry. This may encompass signed consent forms, agreements, or disclosures that serve as evidence that you authorized the creditor to access your credit report. Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. The documentation of your interactions with the creditor may encompass emails, letters, or notes. Internal Records : Request that the creditor furnish internal records or notes in connection with the inquiry, including any decision-making processes or rationales for initiating the inquiry. Identity Verification : Prior to commencing the inquiry, request that the creditor implement verification procedures to verify your identity in the event that identity theft is a concern. This may involve the verification of personal information or identity documents submitted during the application procedure. Documentation of Compliance : Inquire about the creditor 's adherence to pertinent laws and regulations that govern credit inquiries, including the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX  ACCOUNT # XXXX THIS ACCOUNT IS NOT MINE AND IT REPORTED 30 DAYS LATE ON MY CREDIT REPORT I HAVE CONTACTED THIS COMPANY SEVERAL TIMES I HAVE FILED AN IDENTITY THEFT REPORT FOR THIS ACCOUNT. AS WELL AS XXXXXXXX XXXX ACCOUNT # XXXX AND XXXX XXXX ACCOUNT # XXXX IF THIS SITUATION IS NOT RESOLVED I WILL HAVE TO TAKE OTHER LEGAL ACTIONS. THIS IS NOT FAIR THAT I AM BEING HARASSED AND THAT THESE ACCOUNT ARE AFFECTING MY FINANCIAL STATUS ON MY CREDIT REPORTS
Product: Credit card or prepaid card

I have been a Citi Prestige Cardmember for several years and have always paid my bill on-time and paid my annual fee dues ( currently the annual fee for this card is {$550.00} XXXX. As part of this hefty annual fee, I expect to receive the full value of benefits and rewards associated with the card. 

After speaking with a friend who also has a Citi Prestige Card, I found out he received a XXXX XXXX XXXX gift offer from Citi ( with a value of about {$400.00} based on the items he was able to choose from the gift ). After hearing about this, I wanted to see if I was also eligible to receive this gift. I proceeded to reach out to Citi Customer Service via its chat functionality on the Citi website on XX/XX/2019 ( screenshot provided ). I explained that my friend had received this gift and I was curious if I would also be receiving this same gift. The chat representative said " Yes, you will be receiving a mail as well '' and proceeded to provide a XXXX XXXX XXXX email to follow up with them directly. 

After waiting weeks and weeks, I did not receive anything and followed up once again. I lodged a formal complaint with Citi that was routed to the Citi Executive Response Unit ( XXXX - Attn : XXXX, XXXX ). XXXX did not assist in resolving this matter and claimed the chat representative had simply provided inaccurate information. I said that Citi should stand by what the chat representative said and XXXX claimed they would be retraining the rep so I should rest assured. This is extremely frustrating to me because I was effectively lied to and presented inaccurate information. Citi does not want to take accountability for the actions of their own representatives who act on behalf of the company when they provide this inaccurate information. Citi should provide me with the stated XXXX XXXX XXXX gift that I was told I would be receiving.
Product: Credit reporting or other personal consumer reports

Equifax has not provide a updated credit report, unable to dispute online, and placing late payments on closed accounts without verify payment method and contract.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my perplexity regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. As you are aware, I have submitted the required FTC report to the Federal Trade Commission regarding this fraudulent account, and following this submission, XXXX and XXXX have removed this account from their records. I have also directly contacted the companies associated with this account, and they has confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 
It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. XXXX XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was working with First Tech Credit Union and asked for a pre-qualification letter for a mortgage and was told via email it would not greatly impact my credit score ( email below ). After that conversation, a XXXX point decrease in my score was noted via XXXX XXXX and XXXX. I don't recognize the XX/XX/XXXX pull and did not authorize anything on XX/XX/XXXX. 

I would like the XX/XX/XXXX pull removed from my score per 15 U.S.C. 1681G. Please let me know if you require additional information. 

Thank you, XXXX ________________________________________ Credit Alert New Inquiry Reported By XXXX XXXX Reported On XX/XX/XXXX and Credit Alert New Inquiry Reported By XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ________________________________ Good evening XXXX, You are most welcome! 



Sorry for the late reply, I have been covering for a few other mortgage loan officers this week. 



Regarding your credit check, yes it would be a necessary part of the application process, as this is required to add up your liabilities and determine your score. 



The good news is that a credit check is good for 90 days and it will have a very minimal impact to your score. 

Any small impact incurred you usually get back the following month. 



Should you have any questions about the mortgage application process, please feel free to reach out this week! 



My direct line is XXXX