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

XX/XX/XXXX I received a XXXX XXXX XXXXXXXX credit card in the mail that I did not apply for. Records say the application was made XX/XX/XXXX. I contacted XXXX  XXXX, confirmed my information and explained it was not me. They canceled the card, closed the account, opened an investigation, and sent an identity theft alert to the credit bureaus. XX/XX/XXXX I checked my credit to see if the card showed up. It showed as a hard inquiry on my account and a new open credit line. I called all banks and credit bureaus to inform them of what happened. I froze my credit from all three bureaus, placed fraud alerts, and filed disputes to take it off of my record. XX/XX/XXXX So far, only XXXX has removed the inquiry from my record. Equifax has said the information has been confirmed and it will remain on my account for two years. This is simply unacceptable. As a young adult, it is imperative that I take care of my credit score and protect my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.

I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.

Name of Account : 1. XXXX XXXX - The following account is not mine 2. XXXX XXXX XXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information 3. XX/XX/XXXX- The inquiry was not authorized 4. XX/XX/XXXXXXXX - Identity Theft 5. XXXX XX/XX/XXXXXXXX - section 609 you're required to send me original paperwork that verifies its account otherwise this is false information.

* Please remove all non-account holding inquiries over 30 days old.

* Please add a Promotional Suppression to my credit file.
Product: Checking or savings account

The following incident occurred with USSA Federal Savings Bank : Wednesday XXXX XX/XX/2022, at XXXX, I logged into my USSA savings account to increase my daily limits for ATM withdrawals. I needed to pay a contractor that did construction work on my home and wanted to pay him first thing in the morning when he came by. When I made an attempt to withdraw funds, I was unable to. I called USAA and told them what I was trying to do. I was made aware that the increase in funds did not allow for an increase in ATM withdrawals, I was only allowed to withdraw {$610.00}. I made mention that I was unaware of that. The representative recommended that I make multiple attempts to withdraw what I needed. When I tried, I was immediately locked out of my account. I went home and got online, and I was locked out of reviewing my account online. Ii called back to inform USAA what happened and was advised to contact them the next morning. The next morning I contacted USAA and was told that my account was sent to the fraudulent department and would be locked for three days. I mentioned to them that it was not fraud and explained what I did. They said it wasn't anything they could do once it reached the fraud department. I asked them if I could speak with a supervisor and was told that there was no one else higher I could speak to. By my account being locked, I was unable to travel that weekend, plans that have been made weeks ago. Hotel reservations had to be canceled, I was unable to put gas in my vehicle, nor by any food for the house. Once I got through the weekend I called because it was day three. I was told my account was still being reviewed. I mentioned to them that my XXXX XXXX  pay, my XXXX check, and my paycheck was just deposited, and I needed access to my funds. All I received was a sorry for your inconvenience. I have been humiliated because I have taken two personal days off work because I can not put gas in my car. I have canceled my doctor 's appointment with XXXX XXXX, which I have waited 6 months for an appointment. I have called every day and now it is day six and I have had services in my home turned off even after explaining what happened. Some agencies are working with me. I mentioned to USAA how this has affected me and that I have XXXX XXXX XXXX  and my XXXX  and XXXX has gotten the best of me. They continue to say, there is nothing they can do. The humiliation I feel is because I am begging them to release my money so that I can function. As soon as this ordeal is over, i am transferring everything to another account and will never do business with USAA again. They have horrible reviews and they supposed to support the Military, retirees and their families. They do not care about the financial turmoil I am currently in or my XXXX state.
Product: Checking or savings account

I opened an account with Citibank a few months back. All went well for a few months until about a week ago, when they allowed unauthorized charges repeatedly, and then left items pending and unavailable for use after theyd already been paid and posted. Essentially they double charged my checking account, paid the merchant and posted it, but stole the same amount from me by not clearing out the pending. I can see where its been taken from my available balance twice, one in pending and one in posted, but when I call Citibank they blame the merchant, when there are clearly multiple on their end not the merchant. All I want is them to release the pending funds theyre holding up. Some serious health stuff has come up and I need to fly cross country to see doctors and specialists, but Citibank is holding up access to my funds, making it impossible to go see the XXXX XXXX. They can clearly see the error, but they feed me the same line about waiting 1 to 7 days, when its already been 7 days. It appears the banking industry overall is predatory to XXXX XXXX XXXX XXXX XXXX  Im so exhausted with banks mishandling funds and getting away with it because XXXX XXXX XXXX to keep fighting it. Big banks Stealing from XXXX XXXX XXXXXXXX people should be illegal. Please help
Product: Credit card

I became homeless for a while and now I'm renting a room and I'm making other payments on other matters that I owed. I am on XXXX and only receive XXXX a month. I don't have the money to make payments until I'm done making payments for the other 2. 
They call me sometimes 4x a day for this credit card. Portfolio recovery calls me constantly. They don't understand they are next to be paid off. They refuse to lower monthly payments so I can pay. They have destroyed my credit report.
Product: Credit card or prepaid card

XX/XX/XXXX Banana Republic stopped using XXXX XXXX to process payments and switched to Barclays. On XX/XX/XXXX I mistakenly sent by payment to XXXX. The payment was made out to Banana Republic and had the new ( Barclays ) credit card number but they cashed it anyway instead of returning it. Barclays emailed me on XX/XX/XXXX saying they didn't receive a payment. I called and paid by phone. After trying 4 phone numbers and an on-line chat I could not contact anyone at XXXX. I contacted the PA Attorney General and they contacted XXXX. XXXX XXXX ( XXXX ) contacted me that they sent the money to Barclays. I contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XXXX ( Twice ), XX/XX/XXXX trying to resolve the issue. XXXX XXXX also contacted Barclays numerous times providing them information about the payment they sent. During the chat on XX/XX/XXXX I told Barclays I was going to contact a federal agency to resolve the issue. The next day my account was credited the {$430.00} payment along with the {$30.00} late fee. I just received a letter on XX/XX/XXXX ( dated XX/XX/XXXX ) from Barclays saying they are reviewing my dispute. I contacted Barclays on XX/XX/XXXX and confirmed they haven't located the payment that XXXX made the week of XX/XX/XXXX - XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently reviewed credit report and seen I have a fraudulent account from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is to show that Nationstar Mortgage that holds my current VA loan is blaming the credit bureaus with not correctly reporting all of my payments that have been made on my loan since XX/XX/XXXX. I have also attached two bureau reports, current, showing only XX/XX/XXXX and XX/XX/XXXX as reported as payments being made. I have a paper trail showing via cashed checks otherwise. I also have submitted Nationstar 's payment report file that does n't not reflect accurate information on all three credit bureaus. 
I have kept in touch with the credit bureaus, in which, I was told that Nationstar will need to fix the errors regarding inaccurate reporting, as well not reporting all payments that have been made on my loan since XX/XX/XXXX. Regardless, if my account is in forbearance, payments, regular mortgage payments that have been made, should still be reporting to the proper bureaus. I was told by the bureaus through numerous phone calls that the issue is not with them. They only report what is being sent by Nationstar. 
This is the sixth complaint and will continue until my payments are being correctly reported to all three credit bureaus. 
As per attachments. Nationstar can clearly see the issues that I have continued bringing up to them. Yet, still not being resolved. 
I was also 'suppose ' to receive a call back from a XXXX consumer advocate this afternoon and a representative from Nationstar . I never received that phone call. I did leave a voicemail with XXXX. I have a buyer on my home and can not proceed ahead with a new loan due to the underwriter with that bank needing the information corrected with the credit bureaus reflecting any and all payments that have been made on my VA loan. Nationstar ... you are holding back me moving forward with the purchase of my home by the buyer. 

The deadline from the buyers gave me until the end of the this month. 
The clock is ticking. 

Sincerely, XXXX XXXX
Product: Credit card

I have the Apple Card, and I used it for general purchases in addition to financing my recent Apple XXXX purchase. A benefit of the card is that you can finance the payments of Apple products- especially XXXX- using the card and pay in equal monthly installments. I reached out to the company/card issuer on XX/XX/XXXX to attempt to pay off the balance of the card pertaining specifically to this phone financing. I have the cash on hand to pay the phone outright now and get that balance off my card. But, when I spoke with the representative for the company/card issuer, they stated that I was unable to make a payment just to clear the debt from that financing activity for the XXXX ; instead, I would have to pay the entire balance on the card in full. I am working toward debt consolidation, and part of doing this successfully is ensuring I pay off the phone first so the rest can be handled in bulk. According to the company 's prescribed practiced and protocols as outlined by the company representative I spoke with on XX/XX/XXXX, this is not possible. It seems a bit nefarious, odd, and pernicious that I am unable to pay off this debt first and them move to consolidate/pay off the rest of the debt. I literally have the liquid cash to pay this balance and financing off in full right now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agency ( XXXX in total ) won't remove my XXXX loans. I have made multiple dispute requests since discharge. ( XXXX approved full discharge of all loans ). I have even tried to understand how they made it to the credit agency because they were. Not classified in default or late. I was on an approved payment plan/income program with lender and the loans are sitting in multiple credit agencies. Explained to credit agency that XXXX approved full discharge, I mailed paperwork dated XX/XX/2023 of approved discharge and letter regarding loans being removed. Credit agency won't remove discharged, they are leaving them on to XXXX. Its illegal to leave XXXX loans in credit profile. 


Other issue is XXXX loan was fully paid off and balance is incorrect. XXXX said they would have debt removed. Vehicle was in accident and Insurance paid out check with XXXX insurance finishing the final payment. Car was fully paid for in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

My direct concern is the company listed below along with Equifax, XXXX, and XXXX has violated the ( FCRA ) to investigate my concerns it has been over 40 days, and still no response. 

ACCOUNTS : XXXX XXXX XXXX XXXX This account should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) in general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

Bank of America is not allowing me access to my money in my account and is closing my account. Because I have XXXX and couldn't figure out how to use the online banking app.Bank of America is closing my account in my opinion because of prejudice. The way they spoke with me. Bank of America claims that they are sending my remaining funds to my address? I can't contact them about this. Help me get my money out of the bank account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave your company a written permissible purpose letter to have these companies access my consumer report. I have previously tried to rectify this situation with your company instead of elevating this to other authorities, however, after numerous stall tactics I had to reach out to the FTC. I demand for your company to delete these fraudulent inquiries from my consumer report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Hi. I did an external transfer from one account to another in the form of a check. The check was deposited to my Capital One account in the amount of {$510.00} on XX/XX/XXXX. Capital One, both signed and cleared the check then placed my funds on hold. I have a detailed image of the deposit date and stamp by Capital One. 

I called Capital One on XX/XX/XXXX at XXXX XXXX and the man on the phone, by the name of XXXX XXXX said the funds would be on hold until they verify that my account with XXXX is valid. Mind you, CAPITAL ONE ALREADY VERIFIED AND CLEARED THE CHECK ON XX/XX/XXXX. I have a detailed image of it. As of XX/XX/XXXX, my funds are still unavailable and I can confirm that these funds have also been deducted from my XXXX account. I HAVE BILLS TO PAY WITH THESE FUNDS!! 

I deposited a checked in XXXX and it didnt go through as the account it was coming from was short by {$10.00} which I was unaware of. Capital One placed a restriction on my account which I called and had removed on XX/XX/XXXX. It was SO EASY for them to question the validity of my account from this XXXX small occurrence. 

Ive been a Capital One customer going on 10 years and will say that their service is both terrible and outdated compared to most banks. I switched the direct deposit from my employer to a different bank for this reason. 

This is a fair warning, please RELEASE my funds as you have already signed and cleared the check from your end as of XX/XX/XXXX.
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 of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

According to 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. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX / XXXX XX/XX/year> In accordance with 15 U.S.C. 1681c-2, I request that you immediately block this fraudulent information from my credit report. This information must remain blocked for one year, after which I may request an extension of the block. During this period, you are not allowed to report these accounts on my credit history. 

I have contacted the credit bureau multiple times regarding these fraudulent accounts on my report, but they have failed to provide a solution. This situation is severely affecting my ability to acquire a new home for my children. These accounts were removed and not verified by other credit bureaus, so I do not understand why they still remain on my report. 

I have formally requested contracts containing the information that supposedly belongs to me, but more than 60 days have passed without receiving any response. I ask for your assistance in immediately deleting these fraudulent accounts. 

I have attached the FTC report ( REPORT NUMBER : XXXX ) in the hope that you will make a fair decision regarding my case. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 inaccuracies was reported to my credit by Comenity on my XXXX  and Victoria Secrets. Iam requesting to be removed due to being inaccurate. In addition, a payment and a payoff was made in XXXX. The payoff was made on XX/XX/XXXX. The Payoff Cleared my account today XXXX, XXXX, 2020. And Comenity portal is still showing I have a balance. That is a violation of the Fair Credit Reporting Act and is causing harm to me. Please remove the inaccuracies in credit reporting and report my credit as paid in full never late and remove any over 30 day delinquencies
Product: Checking or savings account

Unfortunately, I have been a victim of fraud and my information has been compromised on the dark web. I was recently XXXX  from XXXX of XXXX until XXXX of XXXX. When I was first XXXX I had a XXXX balance on this account. Upon being released from my XXXX my account was closed and there were no funds available in my account. I informed the XXXX that there was no way that I could have made transactions at this time because of my XXXX  and somebody had assumed my identity during this period ; additionally, I provided the company with proof of XXXX and documentation illustrating these facts. However, XXXX still has not resolved this matter and have denied my claim stating that I had made the transactions. This is untrue as I have not given anyone permission to access my accounts and funding. The company has defrauded and this has destroyed my credit, causing me undue hardship.
Product: Debt collection

I was contacted on XX/XX/XXXX by Hunter Warfield about a collection of {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to a woman who has stolen my identity. I live in Illinois and she is using my identity in California under multiple properties. This fraud was discovered in XXXXXXXX XXXX XXXX, reported to local authority in XXXX XXXX XXXX  and several attempts have been disputed. 

My credit has been frozen and fraud alert since then. I have a full folder of her image and documents she has been using under my name.
Product: Credit reporting

I submitted an online dispute with Equifax ( confirmation # XXXX ) on XX/XX/2017 regarding an inquiry entitled " XXXX '' that appeared on my Equifax credit report on XX/XX/2017. Today is XX/XX/2017 and I have NOT received a response from Equifax regarding they validated this was a valid inquiry. I sent Equifax a US mail certified letter on XX/XX/2017 demanding they remove this inquiry from my credit report because they have failed to prove it was a valid inquiry within the time allotted by the Fair Credit Reporting Act. Equifax sent me a letter ( see attached ) dated XX/XX/2017 that had NO response to my initial dispute ( confirmation # XXXX ) and no resolution mentioned. The dispute still shows pending on their website when I checked the status on XX/XX/2017. They are now in violation of the provisions listed in the Fair Credit and Reporting Act and I demand they remove ASAP or I will seek legal action for this violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX 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 XX/XX/XXXX - {$530.00} This was bought by XXXX XXXX  accoring to XXXX  customer service agent. its the only way I would have known my information was sold. 

contact to work out a solution for XXXX XXXX. 
attemtpted new contract.
Product: Credit card

Paid of my Ulta and Victoria Secret Credit Cards owned by Comenity Bank. Called to pay off accounts and requested email confirmation of my accounts being closed down. The agent confirmed and I left it at that. 

The cards showed paid off and closed on credit report, my accesses were closed down so I could no longer log in. I assumed I missed the email. 

In XXXX I recieved a letter for each card with interest fees I was charged after my accounts were " closed ''. 

I went to each platform to log in and both confirmed I didn't exist. Had to call customer service to re-gain access. 

Once I gained access I sent a message telling them everything I just stated amd requested they remove the fees and close my account as I had originally requested.

They sent a letter via physical mail denying my request and threatening to send me to collections if I didn't pay. Now the cards are back on my credit score and I can not log in due to not existing in their system. 

Please help. I always paid their cards on time and never thought I would be placed in a situation like this. 

Thank you for your help. 

Regards, XXXX