23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA has been reporting a fraudulent account on my credit profile for 7 years as a charge off. Theyve been supplied with a police report, as well as an identity theft report and the information has not been removed. They are also in violation of the reporting term. For any closed delinquent account of 7 years it should automatically be removed from your credit report, and is still reporting on mine. This account is also a charge which means they received a tax credit from the IRS on the account with form 1099 C and the account balance should be XXXX. They are no longer legally able to collect on this account. 

XXXX XXXX is reporting a charge off with a balance of {$7000.00}. This is incorrect the balance is XXXX  as the account has been accommodated for by the IRS via a 1099 form. This account has also been paid in full since XX/XX/2022 and was overpaid so a check was sent out for {$30.00}. Theres been no late payments on this account and the balance is XXXX. 

XXXX XXXX payment history is incorrect and no later payments have been made.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous inquiries on my credit report that were not opened by me. The inquiries are unauthorized and fraudulent.
Product: Checking or savings account

Someone stole {$13000.00} out of my Chase checking account. I live in XXXX, and during a period of 2 days, there were several ATM transactions that wiped out my money. 

XX/XX/XXXX : 3 ATM transactions in XXXX XXXX ( a 8-hour drive from me ) : {$3000.00} {$500.00} {$500.00} One non-Chase ATM fee for {$2.00} XX/XX/XXXX : XXXX XXXX withdrawal in XXXX, CA ( 8-hour drive from me ) : {$2500.00} Non-ATM cash fee : {$75.00} ATM withdrawals : {$500.00} {$2500.00} Non-Chase ATM fees : {$2.00} {$2.00} {$2.00} {$2.00} {$2.00} XX/XX/XXXX : ATM withdrawals in XXXX XXXX ( 8-hour drive from me ) : {$3000.00} {$500.00} I contacted Chase on XX/XX/XXXX and notified them that I had not authorized those transactions, that I had the ATM card in my possession. I rarely used this card, and the last time this card was used was midXXXX at XXXX. I live 8 hours away from where transactions took place, and I was home during this entire time. My PIN number is not written on my card and I still have it. 

I received notice from Chase that my claim is denied because the transaction was authorized. The letter said I can call Chase " to request the information used for our research ''. I called Chase customer service and was told that the pin that was used was mine, there were no repeat attempts to pull the money, and that the money was taken out in my geographical area ( apparently Chase thinks that being within an 8-hour drive is the same geographical area ). The customer service rep said I can submit proof that I did not give my pin to anyone. When I requested the information they used in making the decision to be sent to me in writing, she said : " Your pin code was used. Do you want to write it down? '' She refused to send me any information in writing. 

I was in XXXX the entire time. I also have personal accounts with Chase, and I used my personal ATM card on XX/XX/XXXX in XXXX XXXX, CA. I couldn't have been in both XXXX and XXXX XXXX on the same day. 

Chase is refusing to take responsibility for a fraudulent withdrawal that wiped my money and refused to provide me with documentation, even exact locations of withdrawal.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Debt collection

I haven't received any itemized bill or call or notification about debt the company unwilling to give information as well.
Product: Credit card or prepaid card

In XXXX of 2020, we opened a secured credit card with Discover. We made all payments on time with no late balances nor issue. We made purchases on the card to just show the credit line was in use and maintained on our credit report. About two weeks ago we received an email asking us to verify some personal information. We submitted the information as requested through the IRS and contacted Discover to ensure that there was nothing else needed for us to regain access to our account and card. Today, on XX/XX/XXXX, they sent another email stating that our account has been closed. When I called to get information, as I thought this was surely a mistake, I was finally connected to a supervisor in account verification. XXXX told me the account was closed for a " business decision. '' We opened an account, paid our secured deposit and upheld every bit of what we were supposed to do. Two months later they decide to close the account for a business decision. 

We are in the long process of restoring our credit. This did not help, this actually puts us farther back than where we started.
Product: Credit reporting, credit repair services, or other personal consumer reports

Complaint in re : Ally Bank auto loan. Ally loan balance is incorrect. I have called a number of times to report this matter with Ally and request the correction to no avail. 
I am trying to purchase a home in the next 6 months but these issues continue to plague my credit. 

On a separate issue, I have previously written Ally Bank and provided them with my updated address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tennessee XXXX but again, they refuse to update my file. 

Finally, I provided Ally Bank with a final court order with my name change to : XXXX XXXX XXXX. As a direct result of Ally 's refusal to update and cure these matters, I am unable to change the registration on my vehicle and am again forced to turn to the StateAttorney General for relief.
Product: Credit reporting or other personal consumer reports

This is my complaint, I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB : Issue : The Macys charge account reported to the XXXX bureau before the first billing cycle due. In fact, I have not received the first statement. 
( This is incorrect information in reporting that communicates I did not pay off this debt ; within billing cycle due. [ This is not accurate ; furthermore, negatively affect the overall credit score ) This is a violation of my consumer rights ]. 

Action : XX/XX/2022 around XXXX and XXXX at XXXX ( XXXX ) XXXX. 
I called Macys credit account customer service twice. The first time I spoke with a representative, and second call I spoke with a supervisor [ both calls are recorded ].

Research : I have four credit accounts, and no other organizations reports to credit bureaus prior to first billing due date.

Desired Result : The Macys charge account correct this error ( to XXXX [ XXXX and XXXX ], and report after first billing cycle due. 

I appreciate your time to read, investigate, mediate, and to achieve desired result. 

Respectfully, - XXXX XXXX
Product: Credit card

They wrongly cancelled a current card for an inquiry on a charge not for fraud it has approximately 6 months multiple attempts to get a replacement card with no effect despite being up to date on payment and is effectively destroying my startup business as a can not effectively operate with the XXXX i need to put on the card
Product: Credit reporting

Equifax continuously and willfully is violating the Fair Credit Reporting Act and has caused MAJOR willful financial harm. 
They repeatedly have been notified of an erroneous tax lien reporting on my credit file and they refuse to follow the Fair Credit Reporting Act. All their compliance department and their legal department do is simply use their XXXX system to verify information without actually doing their due diligence and actually investigate. 

Additionally, on XXXX/XXXX/2016, after they knew they were erroneously reporting a tax lien belonging to someone else with the similar name, I still proceeded to file another investigation by phone on XXXX/XXXX/2016. The confirmation number of this transaction is # XXXX. I requested for the erroneous tax lien to be yet again reinvestigated. We are now XXXX XXXX, 2016 and Equifax has YET TO FURNISH RESULTS. They had by law 30 calendar days to furnish results and they have failed and yet the erroneous tax lien still is on my credit report. 
Additionally, so I can consistently and continuously catch Equifax, I purposely filed an ADDITIONAL investigation online on XXXX/XXXX/2016 with confirmation number XXXX, although the first investigation which commenced on XXXX/XXXX/16 was not complete and still showing on my credit report. In this second investigation, they again have passed their allotted time of 30 days to furnish results of the investigation. 

As of XXXX XXXX, 2016, they are over 100 days and counting of my first request for an investigation with still no results and also over 15 days on my 2nd and last request. Again, a complete and deliberate violation of the Fair Credit Reporting Act. 

Additionally, on XXXX XXXX, 2016, I furnish all info to both the XXXX and XXXX State Attorney 's offices so they can conduct their own investigation. On XXXX XXXX, 2016, I hired a private law firm out of XXXX who is giving Equifax 10 additional days before filing both state and a federal suit against them for willful financial harm. 

Sadly, I can not fathom a company like Equifax continuously violating the law. They are getting to the point of being worse than XXXX XXXX and yet they seem to escape any serious consequence. 

I simply do not want yet " ANOTHER INVESTIGATION '' or wait " ANOTHER HOUR '' of their complete lack of responsibility and their complete violation of the Fair Credit Reporting Act. 

They need to now remove and delete this erroneous tax lien immediately without question. If they do not, they will be answering specifically to my attorney and law firm I have hired after they have been sued in both federal and state law. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

They have locked me out our closed account on their website, this was months ago, resetting password doesn't work, they never offered any covid 19 relief either, this account will charge off if this isn't corrected soon, I'm sick and tired issues with this bank. Issues like this aren't the first.
Product: Credit reporting, credit repair services, or other personal consumer reports

Numerous accounts and inquires on my credit reports that were not done or authorized by myself. The account 's show addresses and information that is not my own nor ever authorized by myself. I currently reside at  XXXX   XXXX   XXXX   XXXX , CT  XXXX  yet these accounts are literally all over the country. I have attached a police report advising several accounts and inquires that need to be removed. I have also attached a court order showing the  XXXX   XXXX  ACCOUNTS ARE NOT MINE NOR AUTHORIZED BY MYSELF AND DO NOT FALL UNDER LEGAL CREDIT REPORTING. I DO NOT WANT TO HEAR THE COMPANY VERIFIED M Y INFOR  AS I NEVER LIVED OR RESIDED AT THE ADDRESSES ASSOCIATED WITH THESE ACCOUNTS. They were a result of ID Theft so obviously the  SSN is m atching. I would also like a free updated credit report sent to my address once these accounts are removed as required under FCRA. I will list the information I see that needs to be removed. I have followed the law to a T and these accounts need to be removed within 30 days without question.   Accounts Reported Balan ce   XXXX   XXXX   XXXX    {$4600.00}   XXXX   XXXX   XXXX   {$3600.00}    XXXX   XXXX   XXXX   XXXX    {$5400.00} I do not nor am I asking for a generic response that inquiries are a matter of Record of Access to my credit report. The following inquires did not have th e Legal Permissible Purpose to access my credit report and under FCRA can be dispute d through the credit bureau. It is then the companys responsibility to prove permissible purpose i.e.  Inquiry for cre dit and or employment purposes. None of the following had this permission and or permissible purpose and therefore need to be removed immediately.  <P/> Inquires Number Thereof   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 card

XX/XX/XXXX billing balance was XXXX. Due date XX/XX/XXXX. On XX/XX/XXXX I paid {$2000.00}, leaving a balance of statement at {$420.00}. On XX/XX/XXXX, I paid {$5000.00} as I knew I had some charges coming up and I got ahead of the bill. 

For my XX/XX/XXXX statement, I had a statement balance of {$200.00}. ( XXXX XX/XX/XXXX ). Also, it listed on XX/XX/XXXX, an interest charge of {$55.00} for interest on the amount of {$2700.00}. According to agent, they charge interest in average daily balance. The only interest that should be allowed is on the {$420.00} that wasnt paid before due date. The other {$2300.00} they charged interest on wasnt even billed yet! 

On XX/XX/XXXX, I paid {$300.00} ( for the XXXX statement balance with a little extra. Then, on XX/XX/XXXX, I paid an additional {$2700.00} to get ahead on charges I had been making. I do this every month. I have always paid balance and have never paid interest. The first bill mentioned above is first time ever I somehow missed the entire balance. I believe because I had paid an {$3000.00} during the previous month. 

On my XX/XX/XXXX bill, they charged me interest of {$2.00} on interest of {$110.00}. Even though I paid in full. The agent claims that was because I didnt pay the balance the previous cycle, but I had paid it, and then some. 

These needs addressed. These practices are suspect and shouldnt be allowed. How do you get away with charging interest in average daily balance on charges not yet billed and then, charge residual interest again the next month!
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified TransUnion, XXXX and XXXX that I have things reporting on my consumer report as a result of identity theft. I have also sent an identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called several time to ask to have the inquiries removed and was told that they cant do that and that a creditor can pull my credit without my consent. I know that is not true and want the inquiries removed that I did not authorize.
Transunion advised that there were not inquiries, I attached the report showing them listed.
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 XXXXXXXX : # 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 DEPT OF ED / XXXX : # XXXX, # XXXX, # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX XXXX : # XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX : # XXXX XX/XX/XXXX 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.

These inaccuracies are preventing me from obtaining a credit card and purchasing a home for my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a XXXX XXXX and XXXX XXXX account on my credit report that I have no clue about. I contacted the Credit Bureau and the Collection Agency for these accounts in XXXX. I haven't received any information regarding these accounts, I only noticed on my credit report " Account Disputed By Consumer '' I followed up with the Credit Bureaus and the companies, as I haven't received any information regarding these accounts and I still haven't received any information, only stating that I owe this account and it's verified from the past. None of the account information listed on the Credit Reports align and I don't know how this account would be verified and I haven't got any information from XXXX  XXXX and I don't recall service with a XXXX XXXX  ever.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I had an interview with XXXX and I was offered a position pending all pre checks and screenings. XX/XX/XXXX XXXX sent me the invitation to complete the background check. I attempted to complete the background check immediately but my device and software were outdated. I informed the hiring manager of this problem and short time it would take for me to have it corrected. The hiring manager was in agreement and I corrected the issue as requested. XX/XX/XXXX I spoke to the hiring manager and another invitation was extended. Because the first invitation had expired. XX/XX/XXXX I competed the background check through first advantage. This was the first time I have ever done a background check of this type or any other type. The format for entering my personal information was limited to a few characters in two boxes and it only offered limited choices to choose from. Given those options I indicated to the best of my ability that i have a criminal record but the exact dates and charges I am unclear about. XX/XX/XXXX I was asked to complete an assessment online but was unable to do so. Their software wouldn't accept any of the entries I attempted to make even after refreshing the page and logging in and out. I was given the option to submit a written assessment in the case that there was an online issue. I also did this on XX/XX/XXXX. XX/XX/XXXX I received an email from XXXX explaining that they were no longer interested. XX/XX/XXXX I spoke in person with the hiring manager at XXXX and was shown the report and explained why I had been rejected for the position. It was not due to the nature of the contents of my criminal record that disqualified me it was the fact that first advantage claimed I didn't disclose one charge. This was incorrect I stated twice that I had unknown items on my record. I assured the manager that in fact this was incorrect. I was informed that there is no opportunity to dispute this with XXXX their decision is final and in addition I am disqualified for employment with XXXX in the future because of this. There is however the opportunity to have first advantage issue a statement of error on my behalf. Once it has been corrected I would be eligible for employment in the future. I was as forthcoming as I could have been with first advantage. This was a good job with a good employer and I'm a good employee there is no other reason that prevents me from being employed there. The error on the report by first advantage is not only affecting me it is also affecting XXXX as well. If this is happening so easily to me it may be happening to others. Throughout this experience I've had the benefit of help from XXXX as they sought me out for employment there. Having this insight it has made it easier to highlight this error they may be losing many qualified candidates. XX/XX/XXXX I contacted first advantage to dispute this and they said they were unable to assist me with this. I'm glad to furnish any information you may need.
Product: Checking or savings account

My name XXXX XXXX I would like to file a complaint aganist bank of the west which had given me a fresh start know that i was going ti be charge any monthly fee with having to make a certain amount of atm deposit which will wiave my fee that never was the case i was getting charge nonthly fee of XXXX dollar for about a year and then when i was going through a hard time dealing with covid i was in debt that left me to get overdraft and i had contact them through a personal message and over the phone they had no Sympathy for that they charge me a overdraft fee of XXXX dollar that add up to XXXX something dont know exact so i just left it alone untill i got a letter saying to make my payment to what i owe i refuse to pay knowing they coudnt work with me when this start happening hoping they would waive it to where i can still be a customer there but all im asking is to be refund the monthly charges and for the stress and i never even got my bonus as a new cumstomer opening up a checking out as they Advertise so im a unhappy customer who wasnt treated fairy itstead was put in debt with something that could be resolve if i was give a chance to fix thing instead of being in debt so im looking for action be take what i owe be waive abd refund be taken with the the promise of starting fresh and not being treat fair.