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

During the month of XX/XX/2022, on approx XX/XX/XXXX a transaction from a hotel charge in Texas appeared on my account and a day later a charge for airline tickets appeared on my account. 
I did not complete these transactions. AND HAVE NOT HAD ANY DISPUTES OUTSIDE OF THESE TWO CHARGES IN MY BUSINESS ACCOUNT. THE REASON THE BANK IS NOT GIVING MY MONEY BACK IS BECAUSE THEY SAY THE VENDER PROVED MY NAME AND ADDRESS WAS USED.

THAT IS NOT MY CONCERN OR ISSUE I DID NOT DO IT AND IF ITS NOT FOUND AS FRAUD THAT AGAIN IS NOT MY ISSUE .... NO WHERE IN THE SERVICE AGREEMENT WITH m AND t BANK DOES IT SAY THE VENDORS WORD TRUMPS MINE. THEY SAID SINCE MY NAME APPEARED IT IS VALID... MY ISSUE IS WHEN A FRAUD TRANSACTION HAPPENS I DO NOT KNOW WHY OR HOW THEY WOULD BENEFIT THE VENDOR BUT IT IS NOT FOR ME TO EXPLAIN IT IS SIMPLY NOT MY DOING. 
XXXX CHARGE FOR {$730.00} AND XXXXXXXX XXXX FOR {$490.00} TWO DAYS APART AND NEITHER ARE MINE
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 November 22, 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 XXXXXXXX, 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 Experian, XXXX XXXX or XXXX 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 XXXX score has gone too far, including but not limited to Experian 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.
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. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A 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: Debt collection

I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016
Product: Checking or savings account

My bank account with USAA was compromised when a fraudulent wire transfer of {$4500.00} occurred on XX/XX/XXXX, leaving my bank account at a XXXX. I called USAA immediately, upon discovering my debit card was declined at a store and discovered the fraudulent charge. 
I asked how this was approved without any security measures and insufficient funds out of our account? I also asked for the funds to be replaced but I was then told that this needs to go through an investigation before any recovery of funds. 
I spoke with three different representatives on the night of XX/XX/XXXX and they could not provide me any answers nor could they provide me any confirmation numbers or claim numbers to show proof of an investigation being active. 
I am currently with no funds and XXXX children to care for, with a Husband who is XXXX XXXX XXXX, away for a Summer training at XXXX XXXX. 
USAA will not help or provide me information as to how my bank account was compromised and refuse to rectify the situation at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017, I submitted an inquiry to see if had been impacted by Equifax 's breach. They then tried to have me enroll in XXXX which would have prevented me from seeking any legal remedies in the future for information that THEY lost!!!! CORRUPT and disgusting!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019 XXXX XXXX  put a hard inquiry on my credit report for an auto loan. This inquiry popped up on my bureau report and has greatly lowered my score. This bank did not have my authorization to run my credit. Therefore this inquiry is an unknown inquiry and unverified inquiry.
Product: Mortgage

Im writing to you today hoping you can stop the bank from taking the house that has been in our family for over twenty years. My mother was living in the home when she passed away and left it to me. My brother and I worked hard to pay off the mortgage, but this past year has been difficult. 

Rays struggled with medical issues, being on a fixed income myself, and XXXX  XXXX, I did what I could to make up the difference. I repeatedly tried working with the bank, explaining the situation, but it was a slow process and when I was finally able to get caught up, they told me it was too late. They demanded the full amount, and wouldnt take any more mortgage payments. The fees and these payments just kept to piling up.
Product: Checking or savings account

My account was deactivated due to an extended period of inactivity. I contacted customer support on XX/XX/XXXX and requested to have my account re-activated. I was asked to send a request in writing to their XXXX XXXX Department. I mailed the written request on XX/XX/XXXX. I followed up with a phone call to customer service XXXX weeks later and was told that the letter was not received. I sent another letter via XXXX on XX/XX/XXXX with a tracking number. The letter was delivered on XX/XX/XXXX. I followed up with customer service on XX/XX/XXXX and was advised that the letter was received and my account would be active in XXXX hours. I've contacted customer support on several occasions since and they are unable do give me any further information. I've been told repeatedly that I will just need to wait a few more days. Its been XXXX months!
Product: Debt collection

I've just learned that National Recovery Agency has gone around my back yet again to deliver more false info, this time being my address, or one associated with me to XXXX. On this alleged itemized bill that I've attached for you to view, shows an address in which I've never seen, heard of or have ever any connection with in any time or point in my life " XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. '' I have already filed a dispute to XXXX who confirmed it false and had it deleted from my report. So far, I have had to go to each bureau and do what this " creditable '' collections company " NRA '' said they had already done on their " Non-Monitary Releif '' statement from my first complaint # XXXX, and make sure these were deleted. XXXX out of XXXX bureaus had any idea this was even requested on their end, but another was to correct my address. Which address is my question... Chatting via CFPB complaint, they say they had my current address wrong, which I've proven that was a lie, and as far the address they reported behind my back to XXXX who posted it on my credit report that this was somehow my address on the itemized receipt. 

I've been advised to treat this as identity theft, and make a statement letting it be known, I shouldn't have to keep learning more and more fouls from a larger collection company. They are either desperate, or employ anyone to let this kind of criminal damaging actions take place. 

These accruing damages that I've endured are more than I can continue to bear. I've spent over {$1000.00} in trying to discover who this bogus info came from and how to get it removed off my credit reports. Not to mention the health conditions I've been in since my discovery of this malpractice, or the lack of sleep, work, time with family that I can not get back...
Product: Vehicle loan or lease

On XX/XX/XXXX I made a payment with my debit card to Capital One for amount of {$940.00} XXXX per my statement. A few days later I did not recognize the payment on my online account and called the bank and stopped payment on it, so it came back into my account on XX/XX/XXXX. I then remembered what the payment was for and called the bank again to ask if I should make the payment again or what could they do. They said they would take care of it and that there was nothing more that I needed to do at this time. SO it came back out of my account per my statement on XX/XX/XXXX. ( So, at this point it has gone out, come back in, and then out again per my statement ). 
Capital One has been calling us looking for their money and when they call, we contact the XXXX bank and I keep getting told that they will receive their monies. It went out on XX/XX/XXXX and it takes a bit to receive the monies since it was stopped and no again sent back out. Many many months of this back and forth and being transferred to numerous peeps and XXXX trips into the bank, have been told there is nothing XXXX can do at this time. 
Capital One has received their monies and nothing they XXXX XXXX that XXXX XXXX. What I do not understand, is how or why? It is out of my account and I am out of {$940.00}. 
I have been on the phone with Capital One again numerous times and for many hours as well, and they say once the monies has been denied like it is and was, proof will be attached, that they did not receive the monies, because there is no authorization code and they have not received it either. So, my monies is in lalala land and I am out {$940.00} XXXX. They show that they received the Ist payment of {$940.00} and then the returned {$940.00}, but nothing on the actual third payment of {$940.00}, which I was told by XXXX that they received on XX/XX/XXXX, which they have not received it. All I want and need to know, is where my monies is and why it is not back in my account where it belongs or why Capital One has not received it. ( Have paid the car off ) now in total as of XX/XX/XXXX, which included the {$940.00} payment in full again, since they did not receive the payment in XXXX and was charged all the late fees as well. I have done everything that everyone has asked of me and yet neither one ( XXXX nor Capital One ) will speak to one another to figure this out or talk the verbiage that everyone is using to get this issue resolved. I am tired of fighting over this and need a resolution as soon as possible please and thanks in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX XXXX is reporting a bankruptcy on my credit report. Experian claims to have verified this information through XXXX XXXX. According to the FCRA, It is a violation to use a third party agency information. Furthermore, I have a certified letter from the BANKRUPTCY court saying they do not Furnisher this information to Experian or XXXX XXXX. Experian is also reporting inconsistent and inaccurate information about this account on my credit report such as open date, reference number, the name of the court and the closing date, and if this information is coming from XXXX XXXX that means their information is inconsistent and inaccurate as well. XXXX XXXX and Experian are both unable to verify this information with the ORIGINAL CREDITOR. SO what is their METHOD OF VERIFICATION if the ORIGINAL CREDITOR stated they do NOT gove out this information, and why are they reporting inaccurate and inconsistent information on my credit report. I am prepared to file a complaint with my state attorney general, and contact a layer to seek damages from both companies on behalf of the damages they are causing to my credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I submitted my assumption application on a townhouse that my ex had lived in. He moved out at the beginning of XXXX XXXX. I started paying the mortgage on XXXX XXXX. After extensive repairs I submitted my assumption application to OCWEN mortgage company. The assumption application stated the transaction ( closing ) would take about 4 to 6 weeks. On week 6 I called for a status to be told the assumption department was running behind in its processing and it should not take long. On week 8 I called for another status and was told by the processor that the underwriter had the paper work and I should have an answer soon. I explained that I wanted to purchase another vehicle and I was waiting for the closing to go through before moving forward. The underwriter said it will not impact my credit report because it had been pulled and submitted already so it would be fine to purchase another vehicle. On week 11 I called and asked for a status on the application and the processor said he needed additional information such as where I worked, copy of pay stubs and new bank statements. All of which I had submitted before. I was promised that I would have an answer within days. On week 12 I called back again and there is no status. I have been paying the mortgage on the property since  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureaus Accounts Disputed Listed Below : XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX. 

After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. 
I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! 
Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 usaa savings bank got a copy of my XXXX credit report i didnt not try to apply for anything with you guys on that day please remove inqury from my report
Product: Debt collection

I am writing to file a formal complaint regarding a recent request I made to JEFFCAPSYS, XX/XX/2023, That has been reported on my XXXX credit report need this collection remove collections from my credit report. Despite providing all necessary documentation and meeting the requirements outlined by the Fair Credit Reporting Act ( FCRA ), I have encountered significant challenges in getting this issue resolved. Here are the details of my complaint : 1. This is causing issues with my credit causing a negative impact unable to receive financial assistance when applying due to the negative information this company has reported on my credit I'm sure what this is regarding but i need this removed i have attempted to contact them advised them of my concerns that i am unaware of this information, This is hindering me from other opportunities to help me gain assistance. by lowering my credit score, receiving higher interest rates on credit cards, also in need of purchasing a car but the interest fees are high due this negative reporting I believe this is fraudulent I living paycheck to paycheck and have been trying to receive help far as loans but the high interest rates are to high. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that my rights as a consumer are upheld. I also seek assistance in resolving this issue promptly and obtaining the necessary corrections to my credit report. Thank you for your attention to this matter. I look forward to your prompt response and resolution
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or 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: Checking or savings account

Contacted BBVA several times and the agents are still unable to send me a debit card. I also tried ordering the card online but only receive errors. 

This will be my first card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had received an alert that stated the Bank of America inquired about my credit. This was submitted without permission and I have no business with this bank.
Product: Credit reporting or other personal consumer reports

XXXX and experian is reporting wrong info on my credit report making it harder to obtain credit. 
XXXX ( XXXX XXXX XXXX  -Account charged off. {$150.00} written off. {$150.00} past due as of XX/XX/XXXX. 
XXXX ) XXXXXXXX XXXX XXXX Status Collection account. {$980.00} past due as of XX/XX/XXXX. 
XXXX ) XXXX XXXX These negaitve deragotory remarks. Are prohibiting me from obtaining credit and I would like them removed from my credit report these are iteams of identify theft
Product: Student loan

hello, as a reply to your response left on my last complaint : if aspire removed ALL of my information, where can i obtain it? i need records of ALL transactions regarding this student loan. 

thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts XXXX XXXX XXXX XXXX- account number XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ALL HAVE VIOLATED MY RIGHTS. 15 U.S.C 1681 SECTION 2 A. STATES I HAVE RIGHTS 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 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Debt collection

On XX/XX/XXXX I received an alert from my credit monitoring service that a delinquent account had been posted to my XXXX credit report file. 

I pulled up my credit report and saw that Amsher Collection Services had posted a delinquent account for {$180.00}, placed for collection on XX/XX/2019, originally from XXXX XXXX. 

The debt is not mine. I have never had an account with XXXX XXXX. 

I immediately disputed the account with XXXX. One week later they claimed they investigated it and validated it as accurate. 

Then on XX/XX/XXXX I mailed a Debt Validation Letter to Amsher Collection, certified mail, at the address provided in the credit report. The return receipt verifies it was received XXXX am on XX/XX/XXXX in XXXX, AL XXXX. 

It has been more than 30 days now and I have received no response from Amsher, either via email or postal service.