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

I reached out to USAA on XX/XX/2023 to request a temporary increase to my daily transaction limit so I could complete a one time purchase. I was told that I could not increase my transaction limit due to an " xp '' code placed on my account. So I was forced to complete the large purchase using a completely different card and account. After I did so, I went back to my USAA account and attempted to transfer the funds to cover the the large purchase into another account to cover the large purchase. However when i attempted to transfer the funds from my USAA account electronically I was not able to do so. I then attempted to transfer the funds via XXXX transfer and USAA would not allow me to use XXXX either. I spoke to 3 different agents with USAA in an effort to successfully transfer MY OWN MONEY out the USAA account and into my account at another institution but they all state that my account is restricted from these types of transfers for at least six months!!! I have $ XXXX in my USAA account which I need to access and transfer to another account and USAA is not allowing me the ability to do so and they are essentially holding my money hostage. On XX/XX/2023 I spoke to XXXX with the " member resolution department '' and I asked her how I could withdraw all my funds and close my USAA account immediately and she advised that was impossible and the only way to do that would be to wait for a check to be sent from corporate. I am essentially being restricted from accessing my own money by USAA and their unethical " policies ''. I was also told I could go into any physical bank and request a cash advance from my debit card and I asked if I could withdraw all of my funds this way, of course I was told no as my cash advance limit was only $ XXXX and could not be raised. USAA is 100 % holding my own money hostage from me and this type of practice can not be allowed to continue at the expense of regular people. I've wasted hours over the past two days simply trying to access my OWN MONEY but USAA is preventing me from doing that.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Dispute of Credit XXXX XXXX XXXX XXXX FCRA Dear XXXX, I hope this letter finds you well. I am writing to formally dispute the credit reporting practices and failure to comply with the requirements outlined under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681o, related to negligence in reporting accurate information. I have reason to believe that your company has failed to fulfill its obligations as a consumer reporting agency ( CRA ), and as a result, I am requesting immediate action to remedy the situation.

Specific Allegations : Failure to Provide Accurate Information : As per FCRA Section 1681o, a consumer reporting agency is liable for negligence in failing to maintain or report accurate credit information. I have discovered discrepancies and inaccuracies in my credit report, which I believe your company has failed to rectify in a timely manner despite prior notifications of these issues. 
Negligent Reporting Practices : It is my understanding that your company is required to follow reasonable procedures to ensure the accuracy and completeness of the information in my credit file. However, the data you have provided contains inaccuracies that are not only misleading but also damaging to my creditworthiness. 
Failure to Investigate Disputes Promptly : I previously submitted a dispute regarding the erroneous information, but I believe your investigation into the matter was insufficient, delayed, or outright ignored, which constitutes negligence under Section 1681o. The failure to conduct a thorough investigation has caused ongoing harm to my financial reputation.

Request for Resolution : I respectfully request that you take the following actions in accordance with the FCRA : Immediate Correction of Inaccurate Information : Please update or remove the erroneous items from my credit report, as I believe they are inaccurate, misleading, or incomplete.

Written Confirmation : Upon resolution, kindly provide written confirmation that these inaccuracies have been corrected and that my credit report has been updated accordingly.

Failure to Comply Notice : If your investigation determines that these discrepancies can not be corrected or resolved, I require a full explanation as to why your organization has failed to meet the standards outlined in Section 1681o of the FCRA, which holds parties responsible for negligent reporting and failure to act.

Please note that under the provisions of Section 1681o of the FCRA, I may be entitled to seek civil damages as a result of your companys negligence, including actual damages, statutory damages, and attorneys fees if this matter is not resolved in a timely manner.

I expect to receive a response to this dispute within 30 days as required by the FCRA. If you need any additional documentation or further information, please feel free to contact me via email XXXX Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

Included in bankruptcy which was dismissed on XXXX XXXX Belongs to bank
Product: Mortgage

I have been working for more than a year with Chase Mortgage company XX/XX/XXXX trying to get an assumption modification on my our family home and deceased mothers home.Month after month. Getting paper work after paper work, notaries, lawyers, signatures. Only to be told in XX/XX/XXXX Chase, XXXX denied me the opportunity after almost a year, because its not my primary residence. And refused to make a reasonable affordable payment arrangement to catch up the note. Instead demanding {$5000.00} plus to reinstate the loan.. During the modification process I was told not to make payments, that they would make arrangements with me to catch up the payments.They refuse to accept any monies from me and they made unreasonable requested amounts. That I could not afford. Now XX/XX/XXXX they have sent me letters stating to accelerate the loan/ foreclose if I do not bring the loan current {$11000.00} approximately. And they have transferred my loan to XXXX. Please help me save my home. Cant ' some one make payment arrangements with me without the run around.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Credit Inquiry Pursuant to FCRA Laws - XXXX XXXX XXXXXXXX Inquiry on XXXX Dear CFPB Office of Consumer Response, I am writing to formally dispute a credit inquiry listed on my credit report originating from XXXX XXXX XXXXXXXX, which occurred on XX/XX/2022. This dispute is made in accordance with the Fair Credit Reporting Act ( FCRA ) regulations, which granXXXX consumers the right to accurate and fair credit reporting. 

Details of the Disputed Inquiry : Creditor : XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/2022 Credit Bureau : Experian Basis for Dispute : I have thoroughly reviewed my credit report and can confirm that I did not authorize or initiate any credit application or transaction with XXXX XXXX XXXXXXXX on the mentioned date. As per FCRA regulations, I am entitled to accurate and timely information in my credit report, and any inaccuracies or discrepancies must be promptly addressed.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is governed by 15 USC 1681, and they violated my rights a number of times. I demand the accounts listed below be deleted because According to the 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish these accounts. 

Accounts : XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date Open XXXX XXXX Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SS # ENDING IN XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 8 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2020 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
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 XXXX : XXXX ) to support my identity theft claim. Under 15 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 : INQUIRY : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  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 CREDIT BUREAU 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, thank you
Product: Vehicle loan or lease

I been financing my car through liberal finance service In XXXX NJ I lost my job on XX/XX/2020 and I havent been working since then I was even delayed to start my new job cause the courts was closed since the pandemic been happening I informed liberal the situation with me not working and Not being able to make a XXXX or XXXX payment for my car note the lady XXXX even said They will have to keep calling every FRIDAY to follow up which was okay till I noticed she kept calling my phone everyday and even XXXX to ask for the payment and leaving me voicemails telling me I have to make at least one payment I keep informing her I have not started my job and I even put in for unemployment I even been sending pictures to the email she provided and she claimed they have not been receiving it and she even gave me a phone number aswell to send the picture to and I even sent two pictures with the times shown that the unemployment have been still pending I been waiting two months for the unemployment havent got a word yet she called me XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX And the XXXX XXXX XXXX and XX/XX/XXXX she claims whether I like it or not she will keep calling until I make a payment I have a choice to make a payment at this point or provide a place for my XXXX children and I will provide a place for them I even offered to make some type of payment she told me I will have to make a full payment I even been doing my car insurance through them and she just now telling me I have no more car insurance with them either and I was paying since last year on time payments with car insurance and she telling me I have to get my own insurance now since they dont provide that no more They also sent a email to me after attempting to call me Friday and not answering and I sent a pic back to that email they sent to me and she said they have not received that one at all It feels like harass me if I cant make a payment and Im offering to pay at least something they just reported me to the credit bureau and I been literally making my payments on time since the pandemic I dont know what else I can provide to show proof
Product: Credit reporting or other personal consumer reports

I have previously disputed ( XXXX XXXXXXXX Bankruptcy XXXX ) With you. And in response, you verified the item as accurate, stating that you have verified this information with the court. I contacted the court, and their response is enclosed. It is clear they do not report to you or any credit bureau for that matter therefore, your initial response verifying the item with the court was either an error or a lie. Either way the reporting requirements do not comply with FCRA {$610.00} ( 15 U. S $ 1681I ). Also, I was told that this information was giving to you by XXXX XXXX please see attached document from XXXX XXXX stating that this information in unverifiable. And the information must be deleted immediately Please reinvestigate and notify me by mail with your reposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. 

Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$81.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XX/XX/XXXX ''. Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 2 ) that I still owe {$81.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 4. the above named company was not the initial company who I allegedley did business with ; 5. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX XXXX. And not Enhanced Recovery. 

6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;
Product: Mortgage

VIP mortgage XXXX XXXX run my credit before informing me and cause my score to drop to point whereas I have to wait to purchase a home. XXXX call me concerning what he had did, I ask him why didn't he tell me, cause I never gave him permission to do this. XXXX said u gave me permission to run your credit, the form stated once type in your password that gave me permission, then he went on to say it tell you that in info, that why you need to read info in a very sarcastic way. I told him it didn '' t say that and that when he slammed his phone down in my face
Product: Debt collection

I returned a call to the collections agent, XXXX ( XXXX I believe is the last name ), the agent handling the account that he called me about. While on the phone with XXXX, he said that I would be taken to court and sued and that a summons would be delivered to my supervisor or manager at my job. After we went back and forth for a bit, I explained to XXXX that he would never find my supervisor or manager so he said that he would forward this case for litigation and we disconnected the call. I wanted to report him and his behavior to his manager. I called back and the switchboard operator said that she did not know who his supervisor or manager was so I called XXXX and asked that he connect me to whoever he reports to. He said that he was the supervisor and the manager. I asked him if he owned the company but he said no because if he was, he would obviously not be working. I told him that since he was not the owner of the company that there was someone that he reported to. After about 5 minutes of me explaining to XXXX that he must report to someone, he placed me on hold, said that he was getting a supervisor but came back to the line after about 10 minutes to say that there was not a supervisor available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has caused me Financial Deformation by reporting on XXXX. By reporting me on XXXX I am unable to open up a bank account. I have called Bank of America several of times at XXXX XXXX XXXX XXXX and got horrible customer service and no resolution. My social security number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of the consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Updated and new information : Subject to subsection any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FIAR CREDIT REPORTINGACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681is-3 of this title any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the late payments from my consumer report this agency is in violation of 15 USC 1681 see attachments
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent final request on XX/XX/2016 documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to XXXX XXXX, and Equifax. As of today, over 45 days later, I still have not received any response from those disputes. I feel as if I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have been compromised.
Product: Debt collection

Bought at XXXX XXXX XXXX  store. Paid off the debt, ast payment {$15.00} and some changein XX/XX/XXXX. Have XXXX XXXX unknown location or other name, calling me at least every week saying I owe them over {$100.00} for interest that goes higher every week. This was this year.paid off XXXX XXXX . We are elderly in our XXXX 's and do not move around well or run to the phone and our phone stops ringing at 4 rings so it really is unnerving. Make them stop, we do not owe them anything. we paid XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, US Bankruptcy Chapter XXXX, XXXX XXXX XXXX  XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate reporting on all 3 bureaus Demand deletion and blocked for all 3 bureaus XXXX Transunion XXXX XXXX deletion