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

I had an a passbook savings account with my father XXXX XXXX at XXXX XXXX XXXX XXXX ( a subsidiary of New York Community Bank ). My father died on XX/XX/2018. On XX/XX/2018 I went to the bank to withdraw the funds from my account. I was told that I could not access my account because I had neither a passbook nor a death certificate. The manager told me that the account would be flagged with the information that a joint account holder was deceased and that I would be able to access my account when I returned. She then printed a list of all the accounts bearing my name with the bank. On XX/XX/2018 I obtained a copy of my father 's death certificate via mail and I returned to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. On that day I discovered that {$14000.00} was missing from my account. The bank manager ( XXXX XXXX ) refused to tell me who withdrew the funds. All she would disclose was that a money order had been made out to XXXX XXXX XXXX on XX/XX/2018. I did not authorize this withdrawal. XXXX XXXX told me that she would have the bank perform an investigation and I would hear back within 14 business days. The next morning I received a call from XXXX XXXX that the funds had been returned to my account. I asked her to give me a copy of the withdrawal slip to find out who had stolen the {$14000.00} from my account. XXXX XXXX refused to do so. She has been asked several times to give me a complete documentation of this fraudulent transaction, but she has refused. Her position is that my account was made whole and there is no reason to disclose any further information. My position is that a theft of {$14000.00} occurred and I have a right to know who committed this crime. What further steps can I take to receive the information which I am requesting?
Product: Debt collection

In XXXX of XXXX, I switched from XXXX XXXX to XXXX XXXX XXXX XXXX. 

I have a letter from XXXX confirming that my account has been disconnected with the last day of service being XX/XX/XXXX. 

I received a new bill for payment on XX/XX/XXXX - XX/XX/XXXX for {$760.00}. 

In XXXX ( date unknown ), I spoke to a XXXX XXXX Customer Service Representative and requested to dispute the payment. The customer service agent hung up on me. 

Again, on XX/XX/XXXX, I called XXXX XXXX Customer Service to address and dispute this bill. I was told that they could not help me and transferred me to XXXX XXXX- the website they provided was XXXX. I waited on the call to talk to a representative, but no one answered. When I tried to call back, I could not speak to a person. I called XXXX XXXX back again and explained this situation and the rep I talked to ( XXXX XXXX said that she could not help. 

So I have been waiting for another official communication which I finally received this Friday by XXXX ( received Friday, XX/XX/XXXX ). This communication came from RPM ( Receivables Performance Management LLC ) - Reference Number XXXX. 

The letter says I have XXXX to notify the office to dispute the validity. HOWEVER, The letter is dated as XX/XX/XXXX. I will not be able to submit my dispute in time if they go by this date and not the date of receipt. 

In the meantime, I would like to protect myself and will fully dispute this bill in full ( now {$830.00} ). I also assume they have reported to the credit agencies. In the meantime, I will send a letter ( which will likely be received well after the XXXX from the XX/XX/XXXX date they indicated in the letter ), but will also send an email copying this note to you at the CFPB. 

I am attaching the documents I referenced above. Additionally, I am showing proof of payment from my credit card that shows that I paid my previous bills ( there are no outstanding bills since I had had auto-payment set up ). My last payment to XXXX XXXX was on XX/XX/XXXX.
Product: Credit reporting

I had the " Equifax Credit Watch Silver with Credit Report Control ''. Product from Equifax. Now there was a feature in that product called " credit control lock '' which allows the customer to lock and unlock the credit report. I have never turned that feature on, but my credit report had the lock on it. it 's been couple months that I tried to get the lock removed and hours of phone calls with several department within equifax. No luck in getting it resolved. Still today my credit report is locked and when I apply for credit I get declined because its locked. 
I need them to please fix it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate information on my credit. They have not report my payment since I have a made half of payment on my credit card. {$1000.00} I had made XXXX payment. They are also reporting late payment on my credit card for making a lower {$25.00} payment after loosing my job. This cause my credit to go down by XXXX.
Product: Credit reporting or other personal consumer reports

Please eliminate these inquiries. I don't know anything about this, and the company did it without asking me.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account which is making it impossible to obtain credit. It is unclear when this account was charged off because different dates were reported. And this account has repeatedly been updated as a charged off every month. This is an update in the payment history and a charged off account should only include an active payment history. This inaccurate information falsely manipulates the statute of limitations. It is my understanding that the credit bureaus will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX XXXX Account. 
I co-signed for my spouse on XX/XX/XXXX who filed bankruptcy around XXXX, XXXX. This account was never a joint account. I was asked to co-sign for him. After he unfortunately filed for bankruptcy, the bank stated reporting this debt on my credit. They also include previous debt before the bankruptcy filing on my report presenting stating the account as a joint account. I was never aware that the account was opened as a joint account. I was only asked to co-sign for him to help him get the loan. 
Therefore, I want the report placed on my report that I am delinquent in payment from XX/XX/XXXX to XX/XX/XXXX, and from XXXX to XXXX, XXXX removed on my credit report. I was made aware of this problem after one of my credit card company specifically stated where the delinquent payment report was coming from. 
I do not believe that delinquent payments reports before and after the filing should be placed on my report for something I was not in control of and nobody try to contact me about the situation. 
I have already called the bank to may payments and schedule future payments but the account was never a joint account and I did not default in payment.
Product: Credit reporting or other personal consumer reports

I sent in a letter via certified mail to the XXXX XXXX Bank of America that was received on XX/XX/XXXX at XXXX am. This letter states that they are furnishing innacurate information that is negatively impacting my ability to obtain credit and should be removed in 10 Calendar days. Today is now XX/XX/XXXX and the innacurate accounts are still on my report. I sent another notice to Bank of America via priority mail of America requesting my XXXX on XX/XX/XXXX to which hasnt received a response. They are willfully noncomplying and it is damaging my credit profile.
Product: Debt collection

I already have a case going..Case number : XXXX I have received several calls since my last submission and I stopped answering the call. One call the man asked my father if he was related to me. Tonight I received a call and my father gave me the phone. I told the man several times I do not have a job and I do not have money to pay that bill at this time. He wanted to know when I stopped working and why and who pays my bills if I have not money to pay my bill, how to I pay my rent and cell phone bills. ( I live with my parents as I am their caregiver since I lost my job- I do not get paid ) All my bills are going to collections because I ran out of unemployment. I told him I was not going to explain myself again and he said he knows because they have been calling me. I hung up on him because I was tired of repeating myself to someone who does not speak proper XXXX and is hard to understand and would not listen. He kept repeating saying they needed to update their system on how I pay my bills and why I wont pay that bill. I told him how I pay my bills was none of his business and he said it was because if I am paying other bills they need to know why I have not paid them.. I told him I was not going to explain myself again and hung up. I was on unemployment and had to decide what bills had to be paid on {$260.00}. Their bill was at the bottom of the list and I ran out of unemployment and still have no job. I am tired of the harassment. If I had money to pay all my bills they would have been paid.
Product: Credit reporting or other personal consumer reports

I have XXXX XXXX loan accounts listed on all three credit reporting agencies XXXX, Experian, and XXXX that have been paid completely off to XXXX balance and it was not reported to any of the agencies however an increased balance on all XXXX accounts was reported to accounts as of XX/XX/year> and increased the listed balances and caused my score to drop significantly. Resulting to a denial for home buying pre approval due to it looking like i still owe the XXXX to the government with a possible missed payment which is totally inaccurate seeing how all balances have been reduce to XXXX and paid on time and as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has furnished a credit profile without my verbal or written consent! I have attempted to have this issue resolved several times over the last year and they either have no response or these inaccuracies come back verified which is impossible. I demand that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, 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. They can not produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) restricts this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. Again this is a violation of my rights to privacy. They also are allowing companies to pull this report without my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report. Please have the following information deleted and removed from my credit file within ( 4 ) business days and send me an updated copy of my credit report reflecting these changes. 

XXXX. XXXX XXXX XXXX - {$270.00} ( PLEASE DELETE ) XXXX XXXX XXXX XXXX ( PLEASE DELETE ) XXXX XXXX  XXXX - {$88.00} ( PLEASE DELETE ) XXXX XXXX XXXX - {$420.00} ( PLEASE DELETE ) INQUIRIES : XXXX  XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX  XXXX XX/XX/XXXX ( PLEASE DELETE ) XXXX XXXXXX/XX/XXXX ( PLEASE DELETE ) Thank you so much for your time and attention to this matter.
Product: Debt collection

Portfolio recovery Assoc XX/XX/year> Amount : {$860.00} Under the Florida Consumer Collection Practices Act ( FCCPA ), Section XXXX, all debt collectors must be licensed to collect debts in Florida. Please investigate this account and remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is incorrectly reporting a late payment to Equifax. I have bank account proof of on time payments. This needs to be fixed ASAP.
Product: Credit card or prepaid card

On XXXX I received my new card in the mail which needed to be activated. However, I changed my phone number in the interim of receiving the new credit card. I called the company to update my number so that I could activate my card and was advised that I could not activate my card unless it is with the number I put on application. This was after they did their security questions regarding my ss # card # and billing zip code. They told me I needed to send a copy of my cell phone bill to show the number change. I advised them I am not the bill holder of the mobile account but could send them proof via the XXXX app that it was my new number and has my name associated with just that number and was still told no. 

The representative did not give me any other option to use to help validate I was the correct person after I passed all the security questions. This is not good customer service as to how to activate a new card that has my name on it my address and I provided my social security number and everything they asked for. You ran my credit, approved me but now I cant activate the card because they refuse to update my contact information.
Product: Credit reporting or other personal consumer reports

I have identified several accounts that do not belong to me and have been incorrectly attributed to my history. These accounts are unfairly affecting my XXXX XXXX and my ability to obtain credit on fair terms. 
Pursuant to the FCRA, 15 U.S.C. 1681 ( o ), I formally request that you conduct a thorough investigation of the accounts in question and verify the accuracy of the reported information. If you are unable to verify the accuracy of the information within 30 days, as required by law, I demand the immediate removal of these negative items from my credit report. 
Since these accounts do not belong to me, the information reflected on my report is not only incorrect but also violates my right to fair and accurate credit. As a consumer, I have the right to dispute any incorrect or fraudulent information on my credit report, and these credit bureaus are legally obligated to ensure the accuracy of the information reported. 
Listed below are accounts that appear on my report that I do not recognize as mine : EXPERIAN : Account name : Date XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX Inquiries : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX NA Inquired on XX/XX/XXXX CAP XXXX NA Inquired on XX/XX/XXXX XXXX : Account name XXXX Date XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX BANK XXXX XXXX XXXX XX/XX/XXXX XXXX : Account name XXXX Date XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX HEADQUARTER XX/XX/XXXX Attached are the credit reports
Product: Checking or savings account

I am a USAA member. On XX/XX/22 I received a call from USAA ( or who I thought was USAA ) advising of fraud on my account. I was texted information to confirm with whom I was speaking to. The text said USAA and the process was identical to the actual fraud steps. When I had not received a new debit card as I was told, I called USAA XXXX and spoke with XXXX in the banking department. He confirmed USAA was sending me messages about address changes, log in 's being changed, security 2 step verification XXXX amongst other things. However, he could not assist me but advised he was sending a new card to my address. He then transferred me to XXXX in customer relations. She advised USAA had not contacted me since XXXXUSAA then restricted my account because of the fraud issue and would not give me any information. An Identity Theft report was sent to Fraud and I was advised to send my Drivers License to USAA.Com/verify.com so I could be authenticated if I needed access to my account. I was given a temp passcode and login information. XXXX advised once I sent in my license the team could authenticate me. That department was supposed to call me back in 24hrs. XXXX advised Fraud would contact me in 3-5 days. Who wants to wait while their account is compromised? These timeframes are horrible! In the meantime I continue to receive emails of changes occurring on my account including while speaking to XXXX also. Today since I had not heard from the Fraud department or verification I called back and was advised they could not help me because information they had is not the information I was giving. They could not authenticate me so I was encouraged to call back or send my license to verification. Due to the restriction on the account I had to speak to someone in fraud. I spoke with XXXX XXXX Finally someone heard the fact I could not authenticate MY information because it had been changed. No one else was listening when I explained ALL my information had been changed to the criminals information.There was no compassion to this ordeal. I have been a member with. USAA 16 years and I am highly disappointed with there service. I thank goodness for XXXX because she was compassionate, helpful, expressed empathy and sympathy. After finishing with XXXX she transferred me to XXXX in Online support to undue information entered by the criminals. With her help also, I was finally able to gain full access back into my account however, I still do not have a new bank card and it is not expected until Tuesday on expedited shipment. This process has been long and stressful and USAA was so aloof throughout and not willing to truly listen to the fact I could not be authenticated because all my information had been changed. This has been emotional and I am receiving text from my bills because my card was blocked. It did not seem like USAA was concerned at all.
Product: Credit reporting, credit repair services, 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. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX XXXX  - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights.. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX XXXX - XX/XX/2020, has violated my rights. 
XXXX XXXX  XXXX - XX/XX/2020, 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 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, credit repair services, or other personal consumer reports

I tried to review my consumer report from Transition on XX/XX/2022. I have looked on credit check total and when I click on transition it says that the consumer report is unable to be viewed. Then I went to XXXX XXXX to review my consumer report with Transunion and it said I could not view my consumer report Transition. I spoke to a rep in XXXX XXXX  and was told that there is a fraud alert on my consumer report for TransUnion. I called TransUnion on XX/XX/2022 and spoke to a rep about how I could not see my consumer report and I wanted to take the fraud alert off of my consumer report. The rep took my information and told me that I have to send in a letter stating I want the fraud alert off. I sent in my letter via standard mail to transunion XX/XX/2022. I received a letter from TransUnion XX/XX/2022 saying that the fraud alert was lifted, but I still can not see my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPM Chase Bank is incorrectly reporting a charged off credit card on my credit report that does not belong to me. I have provided both JPMC and the credit bureaus with a copy of a police report from XXXX County Texas which details this criminal activity which has caused great harm to my personal finances and drastically reduced my credit score. Most of the accounts have been removed now from my credit report, however, this account with JPMC in the amount of {$6000.00} under # XXXX still remains. In fact, JPMC is reporting this account as BOTH a charge off AND a currently past due account which is completely illegal and in violation of FCRA. This is the last error that is driving my score down over 100 points and preventing me from getting a mortgage. REMOVE immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.