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

My wife and I had a joint checking account with USAA Bank. I use the word " HAD '' cause my wife passed away on XX/XX/2024. Social Security XXXX for some reason notified USAA Bank that she had passed away. We used this bank account to pay all of our debt obligation through the pay bills app in the USAA computer system. My wife set up the Bill Paying system with all of the merchants we use in the banking App. under her USAA profile. My wife had XXXX 's and Multiple Systems Atrophy. She set this bill paying App. up for us, when she had all of her mobility. During this time my wife was the person who paid our bills monthly. As the disease progressed she was unable to use her hand for years and later on could not even speak. I had access to the App and payed all of our bills through automatic payment or by sending specific amount due to the merchant when she was no longer able to do so. USAA before notifying me deleted her USAA profile, in our joint checking account and therefore deleted the entire bill paying information my wife had set up preventing me the ability to no which merchants would be paid automatically and eliminated my ability to send specific amounts to other merchants to pay the amount owed. I called USAA to have have the information restored and they informed me they could not do that, however they could have the merchants list put into my profile with out the payment schedule that was already established I would have to re-imput that data. However this could not be accomplished any sooner than XXXX to 10 days. 
When my wife passed shortly after that I locked her credit profile with all three credit reporting agencies, so that no one could use her profile to establish any credit accounts or incumber her or us finaicialy. Seems that a financial instution would be able to do the same for any account that she had that was not joint. But an account that was jointly owned should not be touched without first contacting the other owner. I know that all of the accounts my wife had at USAA Bank was joint with myself or her XXXX. USAA first notified me that they were aware my wife had passed via XXXX with a sympathy card from the President of XXXX postmarked XX/XX/2024. No where in this card did they indicate my wife 's profile had been deleted. I found this information out some time that week when I went into our joint account to set up a payment to a merchant. I called USAA that weeks and todae they have not restored our merchant 's information into my profile. 
I am asking respectfully that you look into this practice of USSA Bank and also the practice of XXXX notifying financial institutions of the passing of individuals. 
Talk you,
Product: Credit reporting or other personal consumer reports

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to CRRG, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report.

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the CRRG. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation.

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 
XXXX XXXX Late Payment {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX Collection {$890.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX Collection {$630.00} XXXX  XXXX Charge-off {$5500.00} XXXX XXXX Charge-off {$140.00} XXXX XXXX XXXX XXXX {$30000.00} XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax credit report linked to my ID is not mine. On XXXX XXXX, XXXX, I enrolled in TrustedID XXXX because my account was among those hacked, according to the Equifax online tool. I needed to enroll over the phone because the security questions presented to me about my credit history did not pertain to me, I could not answer them correctly, and I was locked out. I was able to enroll in TrustedID by answering questions over the phone. I then logged in to my credit report through TrustedID and learned that nothing in the credit report was correct. It was the report of someone else. ( How could the Equifax agent enroll me in TrustedID since my oral answers did not match information linked to my account? ) I froze my credit linked to this account, but it is a fake account. My actual data is unprotected somewhere in the Equifax database. I have tried to get this corrected through the special cybersecurity help number ( XXXX ) and was told today, XXXX XXXX, that I should use the dispute resolution website instead at www.equifax.com/XXXX. This site is " down for maintenance '' and has been 'temporarily unavailable '' for the several days that I have been monitoring it.
Product: Debt collection

I've NEVER done business with PORTFOLIO RECOVERY, from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that PORTFOLIO RECOVERY provide proof of this alleged debt. Proof meaning the ORIGINAL APPLICATION, CONTRACT, NOT SOME COPIES THAT THEY RECEIVED BUT A INSTRUMENT BEARING MY SIGNATURE WITH PORTFOLIO RECOVERY. In addition please provide the contract signed between PORTFOLIO RECOVERY AND XXXX  XXXX ; a notarized and sworn under penalty and perjury for PORTFOLIO RECOVERY to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not creditors, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are able to collect debt that aren't theirs. They are being Etymology non compliant. This is inaccurate reporting! According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.. 

Please look into this!
Product: Credit card

I have been a victim of identity theft. A credit card was opened in my mother 's name using my birthdate, but the year she was born and my social security number. This credit card account was opened XXXX years ago ( XXXX ) when I was XXXX years old. The following year she passed away. ( XXXX ) I found this out on XXXX/XXXX/XXXX when I noticed money missing from my bank account. There is a levy on my bank account and it is frozen. 
I contacted capital one 's lawyer on XXXX/XXXX/XXXX, I was told that I will receive documents in the mail that would need to be signed in sent back, for them to start a fraud investigation. But I still have n't received anything. 
I need to prove I am innocent. I was minor at the time and this was done without my knowledge.
Product: Debt collection

I sent a certified XXXX letter to the business on XX/XX/2022, it was accepted at the place of business on XX/XX/2022. The company then in turn sent an email on XX/XX/2022 which violates the terms of the letter I sent on XX/XX/2022. The letter clearly defines a legal notice under the FDCPA that I refuse to pay the debt because it is not valid. The account information is being reported to credit reporting agencies and the letter clearly demands the business stop and remove any and all negative and false accusations against the consumer. This is a direct result of Identity Theft. The business has of XX/XX/2022 not followed the guidelines outlined in the letter sent.
Product: Credit reporting or other personal consumer reports

I contacted XXXX about my loan. My credit report ( Experian and XXXX ) indicated that I have a balance. I was told it was not updated in my credit report due to a suppression placed on my account. XXXX advice me that the Suppression on my account would be lifted in XXXX. I filed a Dispute XX/XX/XXXX with the credit bureaus that my account from XXXX was reported incorrectly. 

I contacted XXXX again after I didnt see any change and the results of my Dispute XX/XX/XXXX came back stating account was accurate. I spoke a XXXX re

presentative who noted that I called previously. I was told that they are unable to remove the suppression until they get the okay to do so. When that will happen, I was told it will take a long time. They told me to contact the Department of Education. I contacted the Department of Education about my account with XXXX being in Suppression. I was told there must be a misunderstanding on XXXX part because my account was transferred to XXXX ( paid in full ). I went back into my credit reports and filed a new dispute XX/XX/XXXX. As of XX/XX/XXXX, it is still under investigation. 

Here is the timeline. My loans were transferred XX/XX/XXXX from XXXX to XXXX. XXXX reported on my credit report : XXXX, XXXX, Experian Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Next, loan was transferred from XXXX to XXXX. XXXX reported on my credit report : Experian and XXXX state Open/Never late, Balance of {$100000.00}, last reported XX/XX/XXXX. Last, XXXX was transferred from XXXX to XXXX. XXXX reported on my credit report : XXXX, XXXX, Experian Paid, Closed : was paid as agreed Balance {$0.00} Date closed XX/XX/XXXX Loans forgiven XX/XX/XXXX XXXX I logged into the XXXX account. On my account it stated {$0.00} and closed. I provided screenshots of all my reports.
Product: Credit reporting or other personal consumer reports

This morning, I found unauthorized inquiries on my credit report, and I have no idea why they appeared. I routinely check my credit report, but this time, these discrepancies just popped up unexpectedly. I tried refreshing my browser, hoping it was a glitch, but the unauthorized inquiries stayed. I'm incredibly frustrated by this and need the documents I've sent to be thoroughly reviewed, so I can put this issue behind me once and for all.
Product: Credit card

XX/XX/2016 Macy 's credit card acct opened in store and made purchase of {$43.00} received email XX/XX/XXXX saying statement ready to view ( I had already paid the XXXX on line after setting up online access. could now not login and no email response for lost password, reset request. Called & determined XXXX fraudulent charges made on macy's.com. I told them to close the account, & i had not made any other purchases. they said they would send me a form to fill out. I received a replacement card which I had no knowledge of and a blank form with no info about the fraudulent charges. called again & asked them to send statement with charges. also said if i did n't have online access & ebilling why was n't the charges information sent to begin with. Are the credit issuers required to read a statement to notify & receive approval to issue a replacement card? it was not done, and when I asked that question today was told they have a new system & it could have been a glitch. today I asked the agent to read the dates & amounts over the phone so I filled out their form and will mail it in. This is the worst experience I have ever had with any credit card company.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXX Balance : {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$700.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This company has listed an inaccurate bankruptcy on my credit report. Despite placing a credit freeze on my LexisNexis account, they have been divulging my information to third parties. The reported bankruptcy is erroneous and must be removed promptly. 

XXXX has stated that LexisNexis verified this incorrect information as accurate. However, I am unsure of how or by whom this verification was conducted. I have been in contact with the XXXX XXXX XXXX XXXX and have neither released nor verified any information with anyone. I demand the immediate removal of this entry from my credit report. I am prepared to pursue legal action if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I sent a dispute letter to Transunion is regards to an account that is listed on my consumer report. The account is XXXX Account number XXXX, I requested that they investigate this account to ensure the accuracy of the reporting, as I have a right too. On XX/XX/XXXX I received a letter stating the account was " verified, '' On XX/XX/XXXX I submitted a letter exercising my right under 15 USC 1681i : Procedure in case of disputed accuracy. In the letter I requested that they send a detailed report of how they investigated ( verified ) that account, according to congress they have 15 days to either provide that information or delete the account. As of XX/XX/XXXX they have done neither which is a clear violation of my rights as a consumer. 
File # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the list of the erroneous information reporting on my Credit Report : 1996
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I received a copy of my credit report and found a collection account opened in my name that does not belong to me. The collection account is XXXX XXXX XXXX and the original creditor is XXXX XXXX XXXX. I have never had any accounts with XXXX  or authorized any accounts to be opened in my name. This account is a result of fraud. I have previously submitted a copy of the police report and the FTC report to the CFPB and to all three of the major credit bureaus.
Product: Student loan

My Federal Loans were forgiven due the due to predatory school. My private loan was owned and serviced by AES for many years. for more then 80 % of payments made to them, however about the time the lawsuit XXXX XXXX XXXX began they sold the loan to XXXX XXXX. AES is reviewing forgiveness, however they said because they sold it they will not help, XXXX XXXX wrote off last of balance due. I am looking to get payments made back. borrowed XXXX - paid XXXX and still owed XXXX when Launch sent to collections
Product: Debt collection

Cavalry Portfoliio Services Llc-XXXX  and XXXX XXXX. 
Back in XXXX this debt collector did a judgement against me from an orginal creditor XXXX  XXXX XXXX credit card of {$1100.00}. They collected on zombie debt. I ended up getting my wages garnished resulting in paying well over {$3600.00}. I switched jobs. In XXXX XXXX they tried renewing the judgment illegally after the statue of limitations expired and they ended up releasing my {$3000.00} in my bank account as I had to hire an attorney. They violated the FDCPA.Recently on XX/XX/XXXX Calvary Portfolio is attempting to renew a judgement from the same case that is from XXXX, well passed the statue of limitations in Oklahoma trying to collect on very old debt.
Product: Mortgage

I have been unable to get in touch with my mortgage company to ask about a streamline refinance for a new rate and also to remove my PMI. Everytime I call, I'm on hold for 45 minutes or more and have to hang up because I only have so much time on breaks from work to speak to them during business hours. I know these are two separate issues but I can not get a live person on the phone to address my questions about either.
Product: Payday loan, title loan, personal loan, or advance loan

Received a phone call from XXXX Business name Direct Recovery Attempting to settle an alleged cash advance loan. I Received a similar call about 2 months with same thing. I have initially filed a complaint with the XXXX, AND have reported attempts with all XXXX credit bureaus for the 1st one. 
They have my phone number full name and last 4 of my social security number Again. 
I informed the lady today of steps I've previously taken and that I will be filing a second complaint with The XXXX TODAY. 

My name is XXXX XXXX XXXX My phone number is XXXX XXXX XXXX .... 

Thank you for your time and assistance...
Product: Credit card or prepaid card

This complaint re : Capital One Silver MasterCard and their attempt to collect credit from me when they had already received credit from the merchant on a disputed charge last year. They sent me a bill for {$24.00} to repay a temporary credit given last year, but the merchant had already overpaid the amount disputed. They sent me a bill due XX/XX/2018. I have a XXXX balance on this credit card. I want to close it and get one of the ones they offer without an annual fee but it would make my credit score take a hit. They refuse to let me change to a different card with more useful rewards. So I avoid them.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX  XXXX
Product: Credit card or prepaid card

Chase claims that my interest rate is XXXX. In reality this is not true as they compound the interest DAILY which means I am paying interest in interest. This my 14.99 % APR means I really pay 16.16 % ( EAR ), thus u have to go thru the fine print and u see they compound it daily which costs me a lot of money annually, quite a bit on my XXXX balance. This is wrong, deceptive, and has been allowed too long. If they say 14.99 % APR it should be that way where interest is only compounded annually. Since they claim XXXX instead of XXXX they are defrauding the public in the name of corporate profits. I know that due to intensive corporate lobbying that this is unlikely to change as they make billions from these shenanigans. At least publicize them and get them to report the TRUE interset that you actually pay.
Product: Credit card or prepaid card

XX/XX/19 they approved the graduate of my card and turndown the offer through the mail
Product: Credit card or prepaid card

At some point in XXXX, Chase Bank closed a long-standing credit card of mine ( opened XXXX ) without warning of any sort, or notification after, purportedly because I did not use the card enough. While they state they mailed a written letter regarding closing the account, they were not able to give me a date it was sent, nor did they post any duplicate of this letter online on their website or send me an email that there was a message waiting for me online. I have banked online exclusively with Chase for over a decade, received all accounts statements paperlessly online, and all past letters or notifications have come to me online.
I am a current customer of Chase in other products, namely an auto lease, which is paid regularly and never late. Similarly, I have a spotless credit record, with a high FICO score, no negative information reported, and a favorable income to credit ratio. Thus, it does not appear the closure was for a credit-related reason. 

At the time of closure, there was a cash rewards program balance of {$220.00}, and this balance was eliminated and never paid out to me. When I called on XXXX XXXX XXXX to find out what was going on, I was told by the telephone representative that I only had 30 days from the account closure to have this balance paid out. As such, Chase converted a significant amount of money that was owed to me through their rewards program without any sort of notification that it was going to do so.
Product: Mortgage

Mortgage Servicing issues with 360 Mortgage. 360 Mortgage Company LLC has threatened me with foreclosure. My account is current according to my contractual mortgage agreement. The company has contacted me several times today on XXXX XXXX, 2017, and has assessed charges and refuse to supply proof as to the charges such as {$460.00} for XXXX XXXX XXXX for XXXX XXXX. Property Inspection. The company has continued to charge me for this but has not supplied any proof the claimed inspections were performed. The company has continued to either not apply my funds immediately when I paid them to my account or charge me alleged fees and cause my account to be delinquent or go into default.