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

USAA blocked my account because of me trying to login Their system kept changing my password I call many times and they never gave me an answer Finally I realized that my account was blocked and USAA refused to refund me back my 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. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my XXXX, Experian, XXXX consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XXXX  XXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XXXX XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XXXX  Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XXXX  XXXX Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XXXX XX/XX/XXXX,, XXXX XXXX XXXX  XX/XX/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

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has persisted in identifying me as " XXXX XXXX XXXX XXXX '' on my Equifax credit reports, despite the fact that I have notified them on 3 occasions over the past 2 years that this is incorrect. My birth name and my legal name is " XXXX XXXX XXXX '' ; never have I represented myself as " XXXX XXXX XXXX. '' I have filed disputes with Equifax over these and spoken with their customer service, and despite these efforts, they refuse to correct my personal information. I was under the belief that the credit reporting companies were not allowed to knowingly publish false information. I'm including an attachment from my Equifax online account which clearly demonstrates that, of this date, Equifax continues to erroneously identify me as " XXXX XXXX XXXX XXXX. ''
Product: Debt collection

On XX/XX/2017 rent recovery solutions reported to the credit bureaus a balance of {$5400.00} that I was not aware of this balance is the result of is identity theft. I have repeatedly disputed this account and reported that I have never lived or been at that apartment complex. Recovery solutions continue to report to the credit bureaus after seven years. They have not provided me with any proof any documentation of the debt. I have tried for many years through the credit bureau to obtain the necessary information via US written mail, and online disputes. Some credit bureau have removed or closed the collection that rent recovery solutions have placed on my credit however, some like XXXX is still receiving their debt reports. Im not sure how to go about the situation but its been so long and I have not come to a resolution after seven years I hope that this organization through this complaint could help me resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is your responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. Demonstrate that the hard inquiries below met this requirement, pursuant to the Act.Otherwise, rescind the errant notation immediately. 

XXXX State Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Oil Companies XXXX Inquiry from XX/XX/XXXX XXXX XXXX Cards/XXXX XXXX/XXXX   Inquiry from XX/XX/XXXX XXXX XXXX-sales Inquiry from XX/XX/XXXX Oil Companies XXXX-sales Inquiry from XX/XX/XXXX Oil Companies XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Misc. 

XXXX XXXX Inquiry from XX/XX/XXXX Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

TO : Consumer Financial Protection Bureau DATE XXXX XXXX XXXX  I XXXX XXXX HAVE CALL EQUIFAX ON MONDAY XX/XX/year>, MAKE SURE THAT EQUIFAX I GET MY LETTER THAT I SENT OUT ON XX/XX/year>, WITH THE POST OFFICE. 
I WAS JUST CALLING EQUIFAX MAKE SURE THEY HAVE UPDATE MY ADDRESS ON MY CREDIT REPORT. AND NEVER ALL OLD ADDRESS OFF MY CREDIT CUSTOMER SERVICE LADY TOLD ME THAT THEY HAVE GET 2 LETTERS. FROM XXXX XXXX AND ONE LETTER DONT SHOW THE PROOF CURRENT ADDRESS ON IT I TOLD HER I HAVE SENT IN COPY ID AND SOC SEC CARD 3 MAIL LETTER WITH CURRENT ADDRESS. I HAVE COPY OF THE ITEMS I SENT TO THEM AND ALSO ANY TYPE COLLECTION ACCOUNT OR CHARGE OFF ACCOUNT DONT BELONG TO ME I SENT IN PROOF OF SOC SEC AND BANK STATEMENT AND FORM FROM THE POSTAL OFFICE SERVICE. 
ALSO I ASKED THEM TO SEND ME CURRENT CREDIT TO ME WITH CURRENT ADDRESS ON AS WELL
Product: Credit reporting or other personal consumer reports

Im Respectfully Requesting that the credit bureau remove the late payment reflecting on my credit report with XXXX in XX/XX/scrub> 2024. I spoke to a representative in the credit department with XXXX 's, Consumer stated that there company do not report 30 day late payment they only report 60 days late i was told to dispute this late payment with the credit bureau the information that is reported as late is inaccurate if this late payment is not removed from my credit i will report this to the Im with auto pay on all my accounts. 
I have never been late on any of my payments with any my bills, also there inquiries not not Authorized by me which appears on my credit please remove them as well Thank you
Product: Debt collection

The company is AMSHER COLLECTION. XXXX XXXX XXXX # XXXX XXXX, AL XXXX. I was not notified in any way by phone, mail, email, ect of this debt. I asked them to remove it from my credit report because It showed up on my credit as a resolved dispute and I was never giving such notice of this debt. the company has tried collecting the funds of {$320.00} dollars. I asked them for the verification form and they did not provide it, they sent me an email back saying they are not a billing company and to get ahold of t mobile which isn't even the name listed on the collection. I emailed back with the law 15 USC 1692C ( C ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD letter to XXXX, Equifax, and XXXX since XX/XX/2021. I am a victim of identity theft. I have been scammed and this is hurting me financially. 
I reviewed my credit reports. I am really confused because there are STILL fraudulent items that arent mine on there! Ive listed the details that need to be deleted right away due to identity theft. Im not sure who stole my identity but I need this resolved immediately. I am receiving generic letters saying the information remains? Why would an account opened as a result of identity theft remain on my profile? I dont get why theres still fraudulent items and a date of birth on my credit report. Its really bad.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX, Transunion, and XXXX  regarding inaccuracies in reported accounts  contained on my credit files on XXXX XXXX via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told incorrect information from this company who stated that they were a government program & would help me to pay off my debts. They are not a government company. They took all my money I had put into an escrow account & refused to give it back to me when I realized their scam would have me paying not only my debtors but them a huge percentage ( 25 % ) of the TOTAL original amount! They withheld all my accumulated funds I had been sending in over the course of almost 2 years! They however paid themselves over XXXX! and not one debtor got paid XXXX cent! They refused to return any part of my escrow funds to me. Now I still owe my creditors and in addition have paid thousands of dollars to this company as well and for what?? This company promised to help me get out of debt but instead has put me deeper into debt!
Product: Checking or savings account

I received a text for a work from home opportunity on XXXX XXXX XXXX XXXX. I was told to email a guy named XXXX XXXX through XXXX to get the job process started. I downloaded the XXXX app and started messaging the guy named XXXX XXXX. He informed me about the company and the job responsibilities that I would be doing. He sent many interview questions for me to answer in order to determine if I was a proper fit for the position. I answered all the questions then he gave me a score of XXXX. I got offered the position as an XXXX XXXX XXXX. Fast forward, He said the company provides the equipment for the job but I would have to receive checks from him in order to send them to the vendor to receive the equipment. The first check was for {$2300.00}. He told me to print out the check he sent through XXXX and then deposit it to my account. I did that then he said send {$1000.00} to the vendor. I did that then he said send {$1200.00} to the same vendor. I also did that. Day later, the bank said the {$2300.00} check in fake. But before that, he sent me another check for the amount of {$2000.00}. I found out today that check is fake as well. Now I owe my bank for the first check. The amount is {$2200.00}. I don't have that to pay back the bank and also it is not my fault. The second check was caught before I was able to take any further action. Thank God! XXXX is not helping me at all. They say I have to go through the actual bank to settle this matter. Santander is giving me a difficult time and they told me it usually very hard to get money back when involving XXXX  Documents : I have much more evidence to provide but can't at this time.
Product: Credit reporting or other personal consumer reports

A credit card with ALLY CREDIT CARD/CWS was applied for in my name without my consent or knowledge. On XX/XX/2023, I contacted ALLY and XXXX about removing this inquiry from my credit report. On XX/XX/2023 XXXX informs me that the credit inquiry is accurate and will remain on my credit report. I would like to have this ALLY credit card inquiry removed from my credit report as well as have the account terminated.
Product: Money transfer, virtual currency, or money service

I recently complained to cfpb that XXXX XXXX was hindering people from wiring me money thru XXXX 's XXXX XXXX XXXX program. XXXX XXXX has responded by informing me that they handle XXXX XXXX XXXX, but not XXXX XXXX XXXX. They confirmed that XXXX XXXX XXXX was handled thru Ria. I thought Ria was part of XXXX XXXX. My mistake. I have spoken to Ria ( XXXX brochure said to call them ) in the past concerning them first accepting people 's cash & providing a confirmation # for funds to be sent to me, but then twice denying me those funds after I provide a copy of my Driver 's License & a copy of the confirmation receipt including the #. This means that the sender must make another trip to XXXX to get their funds back. On both occasions the funds were given back to them. Ria 's response ( I escalated call to supervisor then asked for that employee 's supervisor, but was never called back by this 2nd line supervisor ) was always to have the sender contact them. I'm told their response to the sender was that there was " fraud in the area ''. This seems like a peculiar response since I should be able to pick up those funds in every XXXX in Texas or maybe the nation. What area are they claiming fraud? Ria was asked & they always denied that they had a block on my name, but on two straight occasions within a week apart I was denied after having used XXXX XXXX XXXX successfully on many occasions over the past few years. I feel that Ria is somehow targeting me as a fraudulent receiver & I'm committed to providing anything reasonable to prove to them that I'm not involved in fraudulent activity. I don't know yet whether their actions have slandered my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

The contract was executed & filed without my review from the dealership XXXX XXXX XXXX XXXX, XXXX, NC ) on XX/XX/XXXX. 
Credit Acceptance ( Furnisher ) contradicts the contract, stating XX/XX/XXXX, was the initial delinquency, XX/XX/XXXX is the actual XXXX delinquency date. 
Credit Acceptance stated my account was opened in XX/XX/XXXX, in contradiction my account was open XX/XX/XXXX, and XXXX payment was made XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, Credit Acceptance failed to report payment delinquency information on credit reporting payment history. 
Credit Acceptance is furnishing re-aged payment history reference " payment history legend. '' Credit Acceptance " Payment history '' does not show XX/XX/XXXX payment & XX/XX/XXXX delinquency. 
Per XXXX online credit file, Credit Acceptance is furnishing 120 days delinquent which is inaccurate and re-aged payment history. The account was delinquent since XX/XX/XXXX. I never made any additional payments. 
Referencing the 1st page attached, Credit Acceptance is redirecting me to address inaccurate information on my credit file to XXXX, in contradiction it the furnisher responsibility to forward accurate and complete information to the CRA 's under FAIR CREDIT REPORTING ACT / REGULATION V. Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. For this reason, Credit Acceptance has deliberately violated REGULATION V. Section 623 of the FCRA and Regulation V & need to remove this item from my XXXX credit file similar to XXXX & XXXX who immediately removed this derogatory item from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was incarcerated at the Minnesota Department of XXXX from XX/XX/XXXX to XX/XX/XXXX. I was recently released from prison on XX/XX/XXXX. I was incarcerated for 21 years. Theres recent derogatory items, delinquencies, credit inquiries, bank accounts, addresses, cell phone numbers and email accounts listed on my XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX and Factor Trust XXXX XXXX thats fraudulent derogatory items, delinquencies, inquiries, bank accounts, addresses, cell phone numbers and email accounts from the result of identity theft. I was in prison for 21 years and was just released on XX/XX/XXXX, so all of the information on my consumer and credit reports is fraudulent and is the result of identity theft. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/XXXX, XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington mortgage is refusing to delete the account that was deleted from XXXX XXXXXXXX XXXX and last payment was XX/XX/2014, none of the information they are reporting is correct, credit bureaus are not wanting to remove it, even though they have the information when it was deleted from XXXX  XXXX XXXX, same account that Carrington is illegally reporting.
Product: Credit card

Used my citibank American Airlines card to make a purchase for a vacation plan in XXXX in XX/XX/2016. Came back to the XXXX and found out that the companies made promises that they were not willing to actually do. A third party company was used to sell the services. There phone numbers are n't answered during business hours and Citibank and myself could not get in touch with them but the company that they contract was with keeps referring me back to them for the services that are supposed to be " free '' and basically I have gone back and forth with them about that. CitiBank reps are only hearing them tell me how to " access '' the services but when I do that they tell me that I have to pay although the contract states that it is free and no additional fees. On yesterday XX/XX/2017 after almost 4 months someone by the name of XXXX answered the phone at the XXXX place which Traveler 's Choice International calls " XXXX '' and I asked for my credit card to be refunded the {$2900.00} that I paid based on the fact that Traveler 's is not willing to honor the free flight and that is what I agreed to and she stated that she would send the request over to the accounting department for me card to be refunded. The issue is I told the CitiBank representatives that they keep telling them falsehoods on the phone but when I try and call to access the services either the phone is out of order or they get on the phone and tell me that I have to call the third party to access the service. I am not sure it they will provide the service which is the reason for the disputes that I continue to file. The first time I filed the case with CitiBank it was filed incorrectly and a new customer service employee was notified on XX/XX/XXXX and supposed to have a supervisor from his team to contact me and I have heard from no one with them as of yet.
Product: Credit reporting or other personal consumer reports

Numerous inquiries pop on my credit report that I didnt do or had knowledge fraudulent 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: Mortgage

I was given a predatory loan and it has been sold from bank to bank. When I initially obtained the second mortgage I was told I could refinance it and the interest rate that is now set at 11. % would come down. 

I was never allowed to refinance. Starting in XXXX of 2018 my social security payment was lowered considerably. I became delinquent l. The mortgage servicer that bought my loan kept saying I could qualify for a loan modification or other relief. They made me apply and apply until I got to a point I could it afford the ridiculous repayment plan they offered. All with XXXX XXXX is lies and an attempt to make money and take your home away. They lied since the origination of the loan. They can not be allowed to deceive while offering second mortgages. They also continued with foreclosure while I was in loss mitigation.