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

I opened a USAA checking account in XXXX. At the time, I received a full printed copy of the Depository Agreement and Disclosures because I had not yet selected communication preferences. Shortly after, I updated my account to digital-only communications and no longer received paper mailings. 

In the years that followed, I was charged foreign transaction fees on my debit card without ever being clearly informed or reminded that these fees applied. USAA began issuing short, 6-page revised agreements digitally, which included only a summary of changes but did not provide direct access to or instructions for retrieving the full 50+ page agreement that contained the complete list of terms and fees. 

Although I continued to receive digital updates, I was never provided a full digital version of the complete agreement. The only documents I received were short 68 page summary updates, which did not include any mention of foreign transaction fees or instructions on how to access the full agreement. 

In the XXXX update, USAA claims they mailed me a full paper copy of the agreement despite my account being set to digital-only at the time. I never received that mailing, nor was I informed how to find the full version online. Then in the following years, I received another brief digital revision, again with no mention of foreign transaction fees, and no guidance on how to view the full document. 

Eventually, I was able to review a full version of the agreement from XXXX, and I found the foreign transaction fee listed under the section : ATM Fees ( Foreign Transaction Fee ) : 1 % of Transaction Amount. 
This wording reasonably sounds like it applies only to ATM withdrawals in foreign countries, not to regular debit card purchases, which is how the fees were actually being charged. This unclear presentation contributed directly to my misunderstanding and is a key reason I didnt notice or question these fees sooner. 

When I contacted USAA about the issue, it was escalated to the CEOs office. I was told that because I accepted the XXXX update, the fees were now my responsibility even though the updates did not clearly mention them and I was never pointed to the full document. The representative even admitted they do not send the full agreement during updates or give customers instructions for finding it. 

I feel misled by the lack of proper disclosure, the failure to clearly communicate the foreign transaction fee in a way customers can reasonably understand, and the lack of transparency around how to access full account terms especially after opting into digital-only communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have NO knowledge of this account ( s ) Have been disputing this information for a while now ( XXXX )
Product: Mortgage

My wife and I applied for a refinance of a property. Our credit scores are excellent and our credit reports obtained from the credit bureaus show an " excellent payment history ''. This mortgage is our only debt. Our income exceeds what is necessary to qualify. The loan-to-value ratio is probably somewhere between 38.5 % -45 %. We have never missed payments on anything or ever filed for bankruptcy.

Our application was denied due to " Unable to verify residence ''.

From the start of the process that the lender was informed that we live abroad. All of the documentation which we provided shows our foreign address, bank statements included. We have been away for 2 years so our last two IRS fillings were done with this address. We receive mail from several institutions, the IRS included, in order to keep our affairs in order.

All of our income is US-based ; we have no income abroad. We provided title and record information about the property we currently reside in showing full ownership and no mortgage.

Upon request, we also provided a US address belonging to a friend of ours who receives the odd mail from us. We rarely receive mail since most companies prefer paperless methods, but nonetheless this was made available as well.

We enlisted the help of another friend in the US who would have power-of-attorney. He would sign on our behalf at the closing. The title company sent us the power-of-attorney document to use and we booked with the notary at the local US embassy to sign the documents.

We e-signed the lender 's disclosures and also the rate locking documents. Shortly after the latter, the loan was denied.

In a nutshell, are US citizens/persons who live abroad barred from refinancing their properties in the US? 

We can not find a valid or reasonable reason for this loan to be denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer number is XXXX and Case number is XXXX. As I reviewed my report I noticed numerous errors and information that doesn't belong to me. Here is the information that doesn't relate to me : Email addresses XXXX. XXXX..Phone numbers : XXXX, XXXX. Addresses : XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. And these are not my insurances XXXX XXXX  and XXXX XXXX. And XXXX is not my social security number. Please remove all these inaccuracies off of my report. I haven't been successful getting a rep to assist me on the removals of these inaccuracies. This is my last attempt to have these items removed otherwise I will sue for defamation under the fcra 623. Also please mail me an updated full disclosure report to me
Product: Money transfer, virtual currency, or money service

My PayPal account was shut down after receiving {$250.00} from a sweepstakes entry I won. The money was received but when I tried to withdraw the money it froze my account. A 120 day hold was placed on the funds. Just before the hold was up they took {$160.00} for a negative balance on an account that isn't mine. They said they would send an email after the holding period but I never received it. I have tried resolving the issue with PayPal but have not been able to reach a live person. After reading the terms of service repeatedly I have yet to find where I supposedly violated. I am also banned from using PayPal services permanently. After 2 years I have given up on recovering the funds. I'm not sure what else to do.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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
Product: Credit reporting or other personal consumer reports

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

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I applied for and received a TD Cash Rewards XXXX XXXX credit card in XXXX XXXX. On XXXX/XXXX/XXXX I received the card in the mail. The letter I received from TD Bank stated that I would earn 5 % cash rewards on eligible retail purchases ( defined as dining, grocery, gas, cable, phone and utility bill payments ) during the first XXXX billing cycles, up to {$450.00} cash back ( a copy of the letter is attached ). When I called to activate the card I was also informed that if I spent {$500.00} in the first 90 days I would receive a {$200.00} cash bonus and a XXXX Galaxy Tab 2 tablet. I received my first statement on XXXX/XXXX/XXXX and did not receive the 5 % cash rewards I was promised. I called TD Bank on XXXX/XXXX/XXXX and spoke to Floor Supervisor XXXX XXXX. I was told that the card had been " coded incorrectly '' so I was only receiving 2 % cash back on " eligible purchases '' ( defined as dining, grocery, gas, cable, phone and utility bill payments made using the card ). XXXX XXXX told me that the account would be recoded and that I would definitely receive the 5 % cash back along with the {$200.00} bonus and tablet. She said that she would call me back in 7-10 business days. I contacted TD Bank again on XXXX and was told that XXXX XXXX had not received a response from corporate and that I would hear back within 5 business days. I received my second statement on XXXX/XXXX/XXXX and again did not receive the correct 5 % cash back on eligible purchases. I spoke with TD Card services on XXXX and was told that XXXX XXXX had still not received a response from corporate and was resending her email to them. At this point I have exhausted my patience.
Product: Credit reporting or other personal consumer reports

My usual payment history does not align with these late payments.
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXXXXXX XXXX : {$24000.00}
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Can you verify the documents? Some of the accounts listed are inaccurate in terms of reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX XXXXnd would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 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

PORTFOLIO RECOVERY ASSETS CONTINUE TO REPORT ON XXXX XXXX ALTHOUGH OTHER 2 CREDIT BUREAUS HAVE REMOVED THIS. PLEASE HELP WITH XXXX XXXX REMOVAL.
Product: Mortgage

This company is awful. Ever since XXXX sold my mortgage to this company, they have caused me nothing but pain and frustration. This time is unacceptable. 

XX/XX/XXXX - I made an additional payment of {$1000.00} toward the principal. 
XX/XX/XXXX - 7 individual {$1000.00} unauthorized payments were withdrawn by Mr. Cooper. As a result, I got 7 NSF fees at {$34.00} each. 
XX/XX/XXXX - I called Mr. Cooper to complain. They said they are working on the error to reverse the charges and should resolve the payment reversal on the same day. 
XX/XX/XXXX - By the end of the day, only 3 of the 7 payments were cleared the bank and the payment reversal were done the same day. 
XX/XX/XXXX - Finally got my NSF fees back. 
XX/XX/XXXX - I found out 4 more unauthorized {$1000.00} were withdrawn from my account again, and 4 more NSF fees were charged by my bank. I called Mr. Cooper again and they said they will work on it. They initially said those problems were fixed on XX/XX/XXXX. I told them this is not about XX/XX/XXXX, this is the problem they took out of my bank AGAIN on XX/XX/XXXX. They were clueless and said they will look into it if I send them an email with a snapshot of my bank statement and they will fix it immediately. No apologies were given. 

Until this day, XXXX, no money was returned to my bank. And because my bank was overdrawn due to their unauthorized payments, I don't have access to the money I had in the bank anymore.
Product: Mortgage

DEFAMATION, SLANDER Despite their assertion I am not behind on payments ( though I was behind two payments ), after I requested mortgage assistance, Wells Fargo contacted a friend I have had for years to let her know I am a financial delinquent. They refuse to fix this slander. See attached email. Relationships are priceless. 
OWNER OCCUPIED Wells Fargo declined my request for assistance with my mortgage. While simultaneously acknowledging the situation ( we are in the process of rennovating ), Wells Fargo refuses to recognize the property as owner occupied. We have lived in the home for 10 years. Recorded phone conversation XX/XX/XXXX. 
SINGLE POINT OF CONTACT Wells Fargo, despite my desperate and several requests for a Single Point of Contact, sent me, over the course of a XX/XX/XXXX three hour phone conversation, from department to department, uselessly wasting my time. 
STRUGGLING TO MAKE PAYMENTS My family has suffered financial hardship related to an attack on my children resulting in three demonstrable felony convictions. Wells Fargo does not care, saying I am not delinquent, even though I was two months overdue on my payments, and am struggling hard.
Product: Student loan

I currently have {$38000.00} in private student loans. With the interest rate and payment plan that I am on ( XXXX ), I will end up paying to the loan companies about {$78000.00}. Which is more than XXXX my actual loan rate. I was not informed of this when I took out the loans and I am struggling to make ends meet and working XXXX jobs, but I am still scraping by to make ends meet on top of paying my other bills.
Product: Debt collection

After multiple attempts to contact Transworld Systems Inc in XXXX, PA - we then mailed our dispute complaint postmarked XX/XX/19. This was responded to on XX/XX/19 - with irrelevant documents. the claim amount they want to collect is {$730.00}. with the lack of willingness to communicate or provide any requested documentation to the validity of the claim, this seems very fraudulent. you can not just say someone owes you money and then turn them over to collection. you have to show liability of the claim. A repair bill is not proof of liability. How do I know an employee did not damage the car and is blaming me to keep from getting in trouble? that is exactly how this feels.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX reported an incorrect address on my credit report. They reported the following : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Please contact the company directly to verify that they have your correct address. Once the new information is reported to XXXX, you will be able to submit your dispute online. For further questions you may contact us at XXXX JPMCB CARD ( XXXX ) XXXX Credit card I called the number above, and the person answering refused to help in any way. I dont know who these people are, but that address is completely unknown to me and I insist it be taken off my report
Product: Credit reporting or other personal consumer reports

I am disputing the late payments and repossession on my Navy Federal auto loan. I request 100 % paid in full and on time.
Product: Consumer Loan

Auto lease matured in XXXX XXXX and I extended for 6 months. Since the inception of the auto lease, I had automatic deductions made by Acura Financing with no problems. In XXXX XXXX, I extended the lease for another 6 months. In XXXX XXXX, I noticed that Acura Financing did not take out the payment for XXXX XXXX, XXXX and I contacted them on XXXX XXXX, XXXX and they told me I had to sign an extension form and fax and auto payment would resume, which I did. I manually paid XXXX payment on XXXX XXXX, XXXX. Yesterday, I received a call from Acura Financing that XXXX and XXXX payments were not made. I went onto my bank site and determined that was correct, payment was not made. I asked XXXX XXXX why they did not resume auto payments after my discussion on XXXX XXXX, XXXX. The representative from Acura Financing could not explain and read the notes from my previous conversations with Acura Financing ( when I was less then 30 days delinquent ) and could not explain why payments did not resume, especially since this issue did not occur on my first extension AND I called Acura Financing to rectify the issue in XXXX XXXX ( which was not done ). Acura Financing has my email address and I 'm not certain why they did n't email me immediately when the payment was not made. Having auto payments for 4 years stop with no notification from Acura AND for Acura not to notify me of an issue is not acceptable. I have checked my credit reports and they all show that I paid 48 months without incident and that effective XXXX XXXX my account is greater than 30 days past due. The non-payment is due to Acura 's error AND having my email address, I would expect when I am one day late, that I receive an email from them. 
Please also note that I have not had use of my car because of the XXXX airbag recall and Acura supplied me with a stripped down Jeep Patriot rental in lieu of my Acura RDX - so that is further insult to injury. I 'm leasing an Acura RDX, but driving a Jeep Patriot. Something is not right here.
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below and talked to them about the issue with my accounts as reported by the TRANSUNION. They have advised me that they will remove the late status on my accounts however, as I reviewed my recent report, the late status are still reported. I am not sure how the TRANSUNION came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have included in this complaint FTC report with the report number XXXX for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is from Fair Collections & Outsourcing. Account number is XXXX. The debt is from XX/XX/2014. Collection amount is {$1900.00} I have disputed this account several times and spoken to several people about the matter. It comes back that it can not be taken off of my credit every time. There are several supposed damages to this apartment building that I had nothing to do with. The charges on the report are excessive. I have asked for any type of evidence to prove that I did any of this and was told I would recieve photos only to find out that was a lie. The lady that was my landlord at the time ( XXXX XXXX ) did not like me and was very mean. I have called the apartment complex ( XXXX XXXX XXXX, AR ) and the new office lady told me she has had several calls about the previous management. They offered to settle with me for {$1000.00}, ( which I said I would not pay because I did no damage to the building ) then after I disputed the account they went back to the original debt. I have tried everything. I tried to go back to the apartment to clean it while I had 2 days left on the lease and she took my keys and kicked me off the property and lied about everything. I am a very responsible person and would never damage someone elses property. I would like this issue to be looked into further. As I have no evidence, only my word. Thank you. XXXX XXXX