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

USAA Federal Savings Bank, an indirectly wholly owned subsidiary of USAA, is a federally chartered savings association established to provide personal retail banking services. Chartered in XXXX, FSB serves as USAA 's sole savings association, making USAA a grandfathered unitary savings and loan holding company. Consequently, the activities of such holding companies are governed by 12 CFR Part 238, and they are required to maintain designated books and records as specified by the Board. Furthermore, both the savings and loan holding company and its non-depository affiliates are obligated to uphold accurate and comprehensive records of all business transactions. Regrettably, USAA FSB has failed to adhere to this obligation by supplying me with inaccurate and irrelevant account statements, specifically regarding my XX/XX/XXXX vehicle loan. Despite my persistent requests beginning around XX/XX/XXXX throughout XXXX, made via recorded phone calls and USPS-delivered mail, I have not received the requested account statements. It is imperative to note that no savings and loan holding company should engage in activities with the intention of evading laws or regulations applicable to the associated savings association. In this context, USAA FSB 's failure to maintain accurate records concerning my XX/XX/XXXX vehicle loan raises concerns not only for me but also potentially for the regulatory authorities overseeing the institution. The inability to access my account statements, crucial for reviewing payments made to FSB, is a significant issue. USAA FSB 's actions have caused considerable harm, leaving me unable to substantiate the amounts and timelines of payments made in good faith. This situation raises concerns about the accuracy and integrity of the records provided by FSB, not only to me but also to its regulatory overseers.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA continues to try to re-apply closed accounts to my credit. I have let the credit company know what has happened and USAA has been blocked from entering info on my credit. 

Additionally if USAA decides to up these new accounts on my new XXXX i will also dispute those and get USAA blocked from that credit report as well. 

USAA needs to stop trying. you are blocked and will continue to stay that way. having monthly phone calls with a berue rep to stop you guys is annoying. stop harassing me.
Product: Student loan

I ended taking a year off for my own mental and physical well-being. This happened during the entirety of XXXX. Now, as it was, my grace periods expired during that time, and it reflects as me being delinquent I believe past 90 days on a host of my different XXXX Student Loan Accounts. 

I came back to school in XXXX and graduated in XXXX of XXXX. I then did everything I needed to so as to reflect this on my credit report. However, it has proven very tough to get these " delinquencies '' removed. I am self-employed, and am currently working on fixing my credit. I was young, silly, and very financial uninformed, and unfortunately made a lot of mistakes that I accept. However, something like this is making it real hard for me, as a self-employed individual, to rise up from the ashes. This is something I can not have affecting my financial position, especially considering that I intend to pay off the entirety of my student loan amount. I was just unfortunately caught up in a real unfortunate situation and I would like your help making this right. 

I was a first generation XXXX student on almost a XXXX. I sadly did not have anyone to guide me financially during the times I made my financial mistakes.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX late closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

An ATM claim was filed with my bank, TD Bank, for a charge in the amount of XXXX which occurred on or around XXXX XXXX from XXXX. I received an information packet from TD Bank today, XXXX XXXX, with information denying my claim, there is documents from XXXX showing information on the charge but did not prove the product/item was delivered. The product/item in question is XXXX tickets to XXXX on XXXX XXXX, I live in XXXX and have not been to XXXX XXXX on or around this date. In fact, my last visit to XXXX was XX/XX/2015. I explained to TD Bank rep taking claim that the product/item was not received and did not make the purchase, it appears someone used my card number to purchase tickets while person was in XXXX, the purchase was made over internet. I suspect their website might have been hacked and or person had my card number written down. The card was not lost or stolen and explained that this is the only unrecognized charge Ive seen so far, did not feel need to order a new card. It appears tickets were not used upon learning ID had to be shown to get into event, Ive checked into this and learned that they were not in fact used. This information was provided by rep ( s ) at XXXX as well as XXXX XXXX, the party owned by XXXX. Ive attempted to resolve matter directly, however, XXXX has a strict no refund policy and will not issue refunds, even if fraud occurred. They will even deny a charge is fraud so as to avoid having to issue refunds. Their rep ( s ) have referred me back to TD Bank. They have a complaint with the XXXX as well as XXXX, both unresolved. I called TD Bank today to further dispute charge, however, I was advised it is considered closed as merchant provided proof tickets were received, this proof is merely a confirmation showing tickets were sent to my email. However, no such email was received as I have a block preventing any email from unrecognized senders. Also, as mentioned previously, I was not in XXXX on or around time of purchase and no way I would purchase tickets to an event I could not go to. In closing, please advise TD Bank I need this item further disputed. Ive attached an email from XXXX with XXXX denying refund.
Product: Debt collection

I resided at XXXX XXXX dorms from Fall XX/XX/XXXX to Spring XX/XX/XXXX and left afterwards In XX/XX/XXXX, my wallet was stolen ( contents included Social Security number, Drivers license, Bank card, medical card and state ID. ) Police report was filed and credit bureaus were alerted for potential fraud issues XX/XX/XXXX, I began to receive letters from FCO collections agency stating that I owed a balance of {$6200.00} from the XX/XX/XXXX school year, 4-5 years after my departure from the area. <P/>Today, I contacted theXX/XX/XXXX in regards to the matter and it was made known to me that another person has a similar name to my own. I disputed the account on my credit report as well as sent an email to FCO. Also called the service accounts department to alert them of this matter.
Product: Student loan

I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and had my federal student loan discharged for student misconduct XXXX then sent me a misconduct application asking to fill out a 12 page form and send proof sent over almost the same info I sent to get the federal student loan discharged but after sending my application show my school XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was on the list of schools for misconduct i just got a letter from XXXX saying you do not meet the requirements for discharge based on misconduct by your school. How is that fair when the federal government said i was then with no warning my student loan is transferred to Mohela. I'm no attorney and cant afford to pay for help XXXX XXXX XXXX and im stuck with a XXXX loan pymt for a school that is no longer open
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account XXXX  XXXX XXXX Opened Date XX/XX/2015 which has been deleted by XXXX and XXXX. XXXX  and XXXX  have both completed their research and determined that XXXX  XXXX XXXX   was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 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 {$0.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX XXXX  XXXX
Product: Credit card

FCRA 605B, I think, mandates the removal of any inaccurate accounts from my credit report. Would you mind checking the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have an account on my credit report that is not mine I asked them to send me verification and they sent out a billing statement nothing more .... I disputed it again with the credit bureau and they said they verified the account but how when they only sent me a billing statement I keep disputing this and filling complaints over and over and over and over it is not my account the people who put it on there repeadly say they can not speak to me about this account .. . .I e ven got it deleted in  XXXX  and they put the account back on my account and changed the amount owed just to place it back and even changed the name
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

****My name is XXXX XXXX XXXX XXXX. I have been trying to report about incorrect information in my credit report over past year but it has no success. According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are  not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification ****I notice that some of the name, addresses, all employment information and hard inquiries, are inaccurate. In addition to it, there are several derogatory account that have no relationship with me or any of our business. These incorrect information demand to be removed off my credit account according to these reporting laws that are listed above. 
Here are the name, addresses, employment information, hard inquiries and debt collection that need to be cleared off my credit report. 
******************************************* **NAME REPORTED XXXX XXXX XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **EMPLOYMENT INFO _XXXX _XXXX XXXX XXXX   ******************************************** **ADDRESSES REPORTED XXXX XXXX XXXX XXXX _XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ** HARD INQUIRIES XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX CO Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX Inquiry : XXXX. XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Miscellaneous ( XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank  ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XXXX. XXXX, XXXX Utilities and Fuel ( XXXX ) XXXX **COLLECTION OF DEBT XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed
Product: Prepaid card

So I got a card.com card because the designs are different from the banks and it was a pretty card which I thought would be great, boy was I wrong. I had my income taxes directly deposited to my account. By the third time I used this card it was declined. I called customer service which told me the there was a hold on my account and I needed to fax over a copy of my ID, my social security card, a bill with my name on it and my last deposit to my card. I did that and was told in 2-3 business days the hold would be released. Needless to say the hold has still not been lifted. Now I have no access to my income tax, Ive sent in the documents that they have requested three times already and each time they seem to find something wrong with the documents that were sent. First they said my water bill was not sufficient so I resent everything this time adding a light bill. Then they said my last deposit to my card which was a XXXX XXXX transfer wasnt sufficient and that I needed to send over a statement. Being that this is still the month of XXXX the statement for XXXX XXXX isnt available for XXXX yet which would show my last deposit to my card. It has been a week now and I've asked to speak to a supervisor every single day that Ive called and every time there is never one available. I have XXXX kids in my home and I have no way to access my funds on this card to feed them. As of right now my lights are disconnected due to me not being able to access my funds to pay the bill. I would never recommend this card to anyone. Hopefully my funds will be released but I don't have much faith.
Product: Credit card

Someone opened a Chase bank account in my name. It was not me and I verified that with Chase bank. It is still on my credit report. They said it would be removed and it hasn't
Product: Credit reporting, credit repair services, or other personal consumer reports

Today I was informed that Equifax has allowed a hack of my person information including social security number, name, address, and other critical data that can be used to steal my identity. 

I used their website to find out if I was affected, and they confirmed it.
Product: Credit reporting or other personal consumer reports

My Chex System report shows an inquiry from XXXX XXXX  on XX/XX/24. This inquiry should not be on my report
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX XXXX Illegal account Account type : debt buyer Charge Off {$430.00} Date open : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc XXXX Your company is violating the FCRA by allowing this erroneous account information from XXXX XXXX XXXX to be reported incorrectly and inaccurately. The third party debt collector XXXX XXXX XXXX is in direct violation of the FDCPA, TAX Regulations, PRIVACY ACT OF 1974 and the FCRA. This company has no legal rights to a charge-off. As stated by the IRS, If your debt is forgiven or discharged, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. In general, if your debt is canceled, forgiven, or discharged, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax. 

The key word in what the IRS definition of a charge off was you dont have to pay, so you can not attempt something that is canceled and written off as a tax deduction.

a Form 1099-C, means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe.

15 usc 1681a ( 2 ) definition rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This explains that transaction ( payment history ) or ( experience ) chargeoff collection late payments between the consumer ( me ) and the person ( business ) making the report does not go on a consumer report. Furthermore showing how illegal this account is according to the fair debt reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

westlake finance have another XXXX XXXX  with different social security i have send in email correct one still havent change
Product: Credit reporting or other personal consumer reports

I am extremely frustrated after knowing that my credit report has erroneous information everywhere, this has impacted my life and credit score negatively, this is my literal lifeline during emergencies but due to these errors it is so hard to get by.
Product: Credit card or prepaid card

I have a dispute that Discover have not resolved. A partial amount was credited back to my account in the amount of {$380.00} from the merchant. This is only XXXX out of a XXXX dispute that was in favor of the Merchant by Discover back in XX/XX/XXXX. I did not authorize this refund for half of the amount of my XXXX when my secondary insurance was never billed by the provider. I rightfully do not owe any money to this provider with two covered insurance policies. My claims are currently under investigation with my insurance provider 's, and I do not owe anything to this provider as I was told meaning the {$750.00}. 

I was also told that my refund will be in the form of a check by the provider. However a Partial refund of {$380.00} was put on my discover account without my consent. I requested for Discover to return the funds back to the merchant because I was told my funds will be in a form of a check, and that's what I want. I do not want this provider to have anymore access to my Discover credit card. Discover has refused my request. Please see attachments.
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ), it emphasizes the necessity for consumer reporting agencies to carry out their duties fairly, impartially, and with due regard for consumers ' privacy rights. Notable among these agencies are XXXX, XXXX, and XXXX, where I act as the consumer. Protecting my confidential data from disclosure is paramount, as reinforced by 15 USC 6801, which underscores financial institutions ' obligation to uphold customer privacy and safeguard their nonpublic personal information. Under 15 USC 1681 section 604 ( a ) ( 2 ), it's stipulated that consumer reporting agencies may provide consumer reports only under specific circumstances, primarily upon receiving written instructions from the concerned consumer. Neither the financial institution nor the consumer reporting agenciesXXXX, XXXX, and XXXX my consent to furnish my information, particularly without written authorization. Any form of consent given to these agencies or information providers to credit agencies, whether explicit or implied, is hereby revoked. Furthermore, 15 USC 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without explaining how consumers can opt out of such disclosure. However, the information provider to credit agencies failed to inform me of my right to exercise this option. Additionally, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without proper authorization. The inclusion of the account without my consent constitutes an adverse item, violating the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ), furnishing inaccurate consumer information to consumer reporting agencies is prohibited. XXXX, XXXX, and XXXX also fail to maintain reasonable procedures to avoid violations of consumer reporting standards, as mandated by 15 U.S. Code 1681e. Lastly, 12 CFR 1016.7 asserts that consumers have the right to opt out of reporting services at any time. Therefore, I am exercising my right to opt out of your reporting services.

I am writing to formally dispute the reporting of a charged-off account on my credit report, specifically the reporting of a Form 1099-C issued for the account. I believe there has been an error in how this information has been handled and reported.

According to IRS Publication 4681, " Canceled Debts, Foreclosures, Repossessions, and Abandonments, '' Form 1099-C is used to report the cancellation of debt. It is important to note that while this form reports the cancellation of debt, it is not necessarily a declaration of taxable income in every instance.

The IRS publication outlines that a Form 1099-C is considered a certificate of indebtedness and Income can not be reported.
Product: Credit card or prepaid card

The fradulant account opened under my name. Now I have one CITI Card with late payments on my credit report that I never applied and I have collection from XXXX XXXX XXXX that again from fraudulent account I never applied.