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

On XX/XX/XXXX, XXXXXXXX XXXX, my debit card was stolen from my purse by a pickpocket or pair of individuals working to distract me. As I finished paying for groceries at the self-checkout at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX a woman tapped me on the shoulder and indicated that I'd dropped a {$10.00} bill. ( I hadn't. ) She didn't speak English, but kept touching my purse and me. I told her that the bill wasn't mine, but she insisted so I finally thanked her and accepted the bill. I walked out to my car. As I opened the trunk I felt a tap on my shoulder. It was the same lady. This time she indicated, by touching my purse and pointing, that she felt that the {$10.00} bill had actually been hers. I agreed and gave it back to her. She thanked me and left. The next morning, XX/XX/XXXX, I discovered that my debit card was gone from my purse and that withdrawals of {$1000.00}, {$1000.00}, and {$2000.00} had been withdrawn from my bank account using the Chase ATM, as well as a charge for {$700.00} at a nearby XXXX XXXX. 
I immediately called Chase 's fraud department to report the stolen debit card and to report the {$4700.00} theft. They responded by issuing me a credit of {$4700.00}. The same day, I reported the theft to XXXX Police Dept. On XX/XX/XXXX, I recieved an email from Chase bank notifying me that, after conducting their own investigation, they felt that I had authorized the {$4000.00} withdrawals and that they were going to take back the {$4000.00} on XX/XX/XXXX, which they did. They say whoever withdrew the money from the ATM had 2 forms of my identity, and that the burden of proof is on me to show that it was not I who withdrew the money ( Chase bank must have security camera footage that shows who withdrew the money. XXXX XXXX XXXX most likely has the woman on camera as well since she had obviously been standing right behind me in order to see me key in my debit card PIN. )
Product: Credit card or prepaid card

I requested the company to honor our fiduciary relationship with my consumer accounts. I gave them all the permissions they would need to act as my trustee as some of their documents claim they have power of attorney. I asked them to define U.S. Dollar and what it means. I asked them as my Trustee to allow my account to be drawn/paid down each month so I can continue to use my card for food and house hold goods for my family of XXXX. I offered to leave a balance on the amount each month for a profit to the bank. I asked them to provide me with an accounting of my account and to return to me any over payments. I gave them full authority to act in my best interest, sharing that I have XXXX and that my communication has become more difficult. I shared that if they do not do what I am requesting, they will be causing me and my family harm. I shared that I am having each and every Consumer Account that uses my social security number audited and on a phone call, I shared that it is my belief the bank draws from an account in addition to my payments. I included a {$1.00} bill taped to a filled out coupon written back to U. S. Bank as payment for that statement. The dollar was NEVER deposited, the green card was signed by a registered agent and returned. My networth with my husband is over {>= $1,000,000} and I want to be on the private banking side. Now, i requested my consumer credit to be increased. I was denied. I am being harmed again after the bank closed a credit card and used my lack of accounts as a reason and my ratio of debt to credit. They used the reporting from XXXX to determine I should be denied an extension of my own consumer credit then a paragraph later stated XXXX had nothing to do with their decision. The deceptive words on that statement make reading their documents confusing for consumers which I indicated that their information and disclosures was confusing for the public. My XXXX  report has very little on accounts open, I have XXXX public records which are in process of getting romoved from errors. The medical bill is being removed. I am being harmed, deprived, and discriminated against to even have access to my own consumer credit. The bank does not loan their own money, my signature and social security account provides securities for banks. I am the Original Creditor. The Full Faith and Credit shall be given in each State to the public Acts, Records, and judicial Proceedings of every other State.
Product: Vehicle loan or lease

Good day, Since filling the claim with the your agency brcause I have not gotten any assistance with the XXXX  all I keep getting are response from the bank still trying to hold me accountable eventhough I have sent them documents that clearly shows that the signature on the documents for the vehicle does not match my signature. 

I am guessing that they are trying to force my hand in having to do a police report but I told them I can not do that because my daughter is a single mother and I can not afford to be the one that send her to XXXX  leaving her child. 

I have suggested that the bank take their vehicle because I asked her to return it and she refuse doing so and I am unable to do anything about it since she doesn't live with me and I have no access to the vehicle. 

I suspect that they are refusing to take the vehicle because of the large interest rate they stand to gain from the payment but as I have told them, she will be late on her payments because she's very irresponsible. 

I am unsure how santander gave her a loan because I had helped her take out a vehicle back in XXXX  with them and her payment was always late so she turned the vehicle in behind my back stating that she was unable to make the payments yet santander gave her another loan with the same monthly payment and that just doesn't make sense to me. 

I am begging you to please try to help me, even if you try reaching out to them and talking to them. 

I do not want to be held accountable for a loan I had nothing to do with and has stated this from the moment I saw the loan on my credit report. Your office seems to be my last resort so I am begging you for your assistance. 

I will attach a copy of the loan document with the fradulent signature as well as copy of my ID showing my signature if i am able to do so and you will clearly see that the signature on the document is fradulent.
Product: Checking or savings account

Navy federal illegally charging overdraft fees and everything that plays into the lawsuit with navy federal. Im one of the victims of this issue being a navy federal credit union and seek my money or compensation for this.
Product: Checking or savings account

XXXX/XXXX/XXXX My daughter 's USAA debit account was frozen by USAA. When she called USAA, the fraud was reported and funds were temporarily returned XXXX/XXXX/XXXX. The transaction involved an ATM withdrawal at XXXX XXXX & claim was approved by USAA. 

XXXX/XXXX/XXXX My USAA debit account was frozen by USAA. I called and reported multiple fraudulent transactions that were discovered during that initial call, one of which was done at the same place and date as my daughters fraudulent activity. I do believe I reported a total of XXXX transactions, but after further review, it was only XXXX transactions within a 2 week period, between XXXX/XXXX/XXXX - XXXX/XXXX/XXXX, for a total of {$3500.00}. The bank provided the temporary credit for the initial report of XXXX transactions for a total of {$3700.00}. The last transaction that I was able to verify occurred on XXXX/XXXX/XXXX for {$200.00}. 

I received an email from USAA on XXXX/XXXX/XXXX stating my fraud claim was denied and all funds will be taken back by USAA XXXX/XXXX/XXXX. The letter states I can request a copy of their report upon written request, but says nothing about my option to appeal. I read this email XXXX/XXXX/XXXX, a day after it was sent, which led to 3 different calls to USAA the same day attempting to receive a discussion about the denial. By the third call, I specifically asked to speak with a supervisor that can help me to understand their decision. In the end of that lengthy discussion, I was told it was my fault for not reporting sooner, but I did n't know fraudulent activity was occurring in this account until it was frozen. After asking twice, I learned reporting need to happen within 60 days, and then told I was responsible for the first {$50.00} for every 5 days that passes. I was told that chips make fraud impossible and getting card number with PIN is unlikely. She made it clear that because I did n't report until account was frozen was too late and its on me. I looked everywhere on USAA website for these rules and found no mention of them. I did submit an email request for their report XXXX/XXXX/XXXX. 

In reviewing these XXXX debit accounts held by me and my daughter, I have discovered a mutual location where these fraudulent activities might have originated. We both have one mutual transaction site, XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am experiencing issues with LexisNexis inaccurately reporting items to credit reporting agencies regarding my credit file. It should be noted that LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. I dispute any claims suggesting a creditor relationship with LexisNexis based on a contractual agreement to report such inaccurate and incorrect information. I demand a manual review of my dispute to rectify and eliminate the inaccurate and incorrect information, which violates FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). I urgently request an investigation into my concerns and the immediate removal of this inaccurate information from my credit file, as mandated by law. Moreover, there are addresses listed in my credit file report that contain incorrect and inaccurate information. According to FCRA Section 623 ( a ) ( 1 ) ( C ) and FCRA 623 ( a ) ( 2 ) ( B ), it is evident that this information is inaccurate, requiring immediate investigation and removal of such inaccuracies. In addition, I request that LexisNexis notify all credit reporting agencies about the inaccuracies and incorrect items that they have reported regarding my credit file. LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. It is crucial for them to rectify this situation promptly and inform all relevant agencies of the necessary corrections to ensure the accuracy of my credit information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I disputed an item on my Equifax credit report using USPS certified mail ( See attachments ). I recently received the results from Equifax that indicates, " The disputed information has been verified as accurate ''. 

Equifax has failed to disclose to me documents that were used to verify the accuracy of the information reporting on my Equifax consumer credit report. The response provided by Equifax does not constitute verification. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, I have the right to demand Equifax disclose all of the documents that have been recorded and retained in their file at the time of my request concerning the account reporting in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please confirm with The Social Security Administration of my name on their file. They are one of the ones that told me to contact the credit agencies.
Product: Credit reporting or other personal consumer reports

Capital One has used my information without my written consent. Different addresses and names variations have been reported. Capital one has inaccurate information and they continue to report the inaccurate information on my Credit report. They are violating 15 U.S. Code 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my credit, and I have n't applied to the company, it is a reoccurring problem each month
Product: Mortgage

Complaint from XXXX XXXX XXXX XXXX [ XXXX  ] ( a subsidiary of Citizens Bank , National Association - Primary Regulator OCC, Secondary Regulatory - CFPB ) On XX/XX/18, I sent in my correspondence with XXXX to cancel PMI due to my balance being below 80 % and having no past due payments. 

On XX/XX/18, XXXX indicating I would either need to get an appraisal or broker price opinion to ensure the value of my house has not decreased and ; therefore, confirming the loan-to-value is indeed below 80 %. 

I promptly sent in my check for the broker price opinion ; however, I have yet to hear back from XXXX. It is now XX/XX/18. 

If I hear back from the bank soon, I will still need the broker price opinion completed and sent to the bank and confirmed that the value has not decreased. I estimate that will probably take another month before that is completed. 

I now have had 2 months of payment PMI when I have had my loan-to-value below 80 %. I think the bank is not compliant with the Homeowners Protection Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following alleged accounts were yet unproven to be my responsibility or fault.. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.. Equifax failed to demonstatrate proper procedures to remove the accounts, CFPB help me, step up and remove the accounts : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX   XXXX , and XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax, XXXX, and XXXX have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Here is the list of erroneous account found in my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the fair credit reporting Act this creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC section 604 section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USCS 1666b a creditor may not treat a payment on credit card account under an open consumer credit  plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opp loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I believe it was in XX/XX/XXXX XX/XX/XXXX I started school with XXXX I told him I had XXXX in a XXXX problem they said they had many resources to help me every time I would email the instructors on how to do something or to explain it to me a little bit better I always got the email back saying I do n't understand what you 're talking about I kept on having to take classes over and over and over until I got passing grade never got any help
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint regarding a fraudulent account reported on my credit file. 
Despite my efforts to address this directly with the credit bureau ( s ), they have failed to take the appropriate action as mandated under the Fair Credit Reporting Act ( FCRA ). 
The account in question is listed with the following details : - Account Number : XXXX - Type : Auto Loan Issue : This account is fraudulent and does not belong to me. I have disputed this with the credit bureau ( XXXX ), but they failed to verify the information appropriately or comply with my request for immediate investigation and deletion under the FCRA. 
Under FCRA Section 611, I requested temporary deletion of this account while the investigation is ongoing, or permanent deletion if verification could not be achieved.

The credit bureau ( s ) failed to comply with this legal requirement and did not provide sufficient evidence to validate this account.

My Requests : 1. Immediate Deletion : - I am requesting that the credit bureau ( s ) immediately delete this account as it is fraudulent. If itcannot be verified with the original signed contract, chain of custody, and matching identification used to open the account, it must be permanently removed.

2. Investigation : - I demand the credit bureau ( s ) provide a complete investigation and verification process, including : - The original signed contract authorizing this account.

- The ID used to open this account and proof it matches my information.

- Full chain of custody of the account and records of all transfers.

- Proof of legal authority and licensing of the debt collector/creditor to collect this debt.

3. Compliance with the Law : - The credit bureau ( s ) must comply with FCRA Section 611 by ensuring the accuracy of the information reported. Failure to comply should result in penalties and enforcement action.

This fraudulent account is harming my creditworthiness and causing significant distress. I expect prompt action from your office to investigate this matter and ensure compliance with federal laws protecting consumers like me.

I have attached all relevant documentation, including my correspondence with the credit bureau ( s ) and copies of my credit report reflecting this account.

Thank you for your immediate attention to this matter. Please do not hesitate to contact me if further information or documentation is required. thank you
Product: Credit card

On XX/XX/XXXX we sent Chevron/Synchrony a check for {$59000.00} in error. ( The amount due was {$500.00} ). 

On XX/XX/XXXX Chevron/Syncrhony cashed the check. 

On XX/XX/XXXX we sent a certified letter requesting a refund. 

On XXXX XXXX I called them and was told that we would have the refund check within 7 to 14 days. They also informed me the account was closed and would not be reopened though we have been a customer for over 25 years. 

They sent us a form dated XXXX XXXX to fill out " in order to process [ our ] refund request. '' We received the form on XXXX XXXX. The information they are asking for ( front and back of check, and an explanation of circumstances ) was sent to them via certified mail on XX/XX/XXXX. 

We feel Synchrony is intentionally delaying our refund to use our money.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

1. XXXX XXXX XXXX  & date XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX  & date XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 3. XXXX  XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX XXXX - XXXX, XXXX XXXX - XXXX, Unknown - XXXX, INQUIRY - XX/XX/2023 "
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got notified of your updates. Extreme inaccurate information on continues to report inaccurate information on my credit report. Three credit bureaus reporting different information. How can there be different information on ONE account???? And original date after 30 years of original day of indebtedness changed from XXXX to now XXXX! I NEVER opened a student loan in XXXX let alone for that amount. 
This is NOT a duplicate Complaint!!! This is on response to your lack of accuracy in your recent update on my credit report. Robots are ruining our lives Inaccurate balances, it's closed therefore should not say balance, monthly payment, past due amount, should not be multiple accounts diliquency remarks are wrong. The closed date is wrong from orginal closed date decades ago. And orginal day of debtness from orginal day of debt in XXXX it shown to begin with from orginal information I saw. It keeps changing in the last four months. 

This as shown says 100 % paid student loan of {$27000.00} etc which you should show on your records!! See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently financed a new vehicle and was aware of the companies that would pull my credit report. However there are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX XXXX XXXX   SANTANDER CONSUMER USA Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX   XXXX XXXX XXXX XXXX  
Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX There are multiple companies that have hard inquiries on my credit report without my authorization and refused to remove the inquires please see list below : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX   Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX