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

On XXXX XXXX, 2020, I was added as an authorized user on a credit card with USAA. On XXXX XXXX, 2020, I received the credit card in the mail. On XXXX XXXX, 2020, I informed the primary card holder that USAA was not reporting to any bureaus. He called USAA on XXXX XXXX, 2020, and was told that the card should show up on my report within 30-45 days of adding user. At this point, it had almost been 60 days. On XXXX XXXX, 2020, he called again and was told that everything on their end was good and that I should contact the bureaus. He was told that they reported it on XXXX XXXX, 2020. On XX/XX/XXXX, I noticed that the card/account still had not reported. I called XXXX XXXX and XXXX, and was told by each of them that they did not have any knowledge of this account. They also stated I should request a confirmation number from USAA with reporting dates. We then called USAA on 3-way told them what the bureaus said. The representative informed us that he did not see any information where the card had reported and could not provide us with a confirmation number that was requested by the bureaus. He suggested that we file a dispute on the USAA website, in which we did. I am filing this complaint in order to expedite the process and also because I know that the online disputes can sometimes automatically decline. This is slowing down my family 's home buying process and I would like to get this issue resolved as soon as possible as we have a XXXX XXXX in less than XXXX  weeks. Please help resolve this issue by having my credit report updated ( and backdated to XX/XX/2020 ) when I was added as an authorized user to reflect positive credit card usage. Thanks in advance for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Dealer Services refuses to fix the error on my credit reports. I tried calling XXXX XXXX on XX/XX/XXXX@ext.XXXX was unable to speak with him personally. In a previous response XXXX XXXX replied that the credit reporting was reported delinquent because WFDS did not receive a XXXX payment when in fact a payment was made on XX/XX/XXXX ( XXXX ). 

My monthly payments were due on the XXXX of each Month with a late fee being added if payments were not received by the XXXX of the following Month. 

XXXX payment was made XX/XX/XXXX BEFORE it was late 30 days. These final payments were being made to PAY OFF this loan! 

When I made the XX/XX/XXXX payment the loan amount due was {$450.00}, I was unable to pay that amount in its entirety therefore I paid a little more than 1/2 of that amount on XX/XX/XXXX in the amount of {$240.00} with the final payment on XX/XX/XXXX in the amount of {$210.00} WFDS reported to the 3 credit reporting agencies for the Month of XXXX ( pays as agrees ) but n XX/XX/XXXX 60 days past due. In XXXX eventhough they in fact received a payment of {$240.00} they reported my account 90 days past due and 90 days past due in XXXX eventhough WFDS received a FINAL payment of {$210.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

If you XXXX the " homeowners protection Act '' it 's described as 'Homeowners Protection Act ' A law designed to reduce the unnecessary payment of private mortgage insurance ( PMI ) by homeowners who are no longer required to pay it. The Homeowners Protection Act mandates that lenders disclose certain information about PMI. 
In my situation I am not being protected from Paying PMI unfairly ... ..but rather unfairly being required to carry it through XX/XX/XXXX. Let me explain : my property 's appraised value at closing of my loan in XX/XX/XXXX using by bank 's preferred Appraiser was $ XXXX, my current principal balance is {$260000.00} making my Loan to Value : 76.19 % under the 80 % requirement needed to " drop PMI ''. However my lender is not using the appraised value to calculate my LTV but rather my purchase price of : {$310000.00}. They present my " LTV '' on their website as : 84.9 %. At first I struggled with their own representatives to be able to explain what was happening and why my Loan to Value was being calculate with a number that was not my value. Only after running the ranks did management explain that they were following the law laid out in the " Homeowners Protection Act ''. Imagine my dismay, learning that the law that is named to protect me is cheating me out of {$35000.00} of my homes equity??? Even better yet their website tells me that the approx. date I will reach 80 % Loan to Value is XX/XX/XXXX ( rough math tells me I am looking at approximately 30 more months/payments of PMI in the amount of {$170.00} or {$5200.00} over that period ) That 's a real kick in the teeth. Can you please help change this act to protect Homeowners from paying Private Mortgage Insurance unfairly?
Product: Student loan

I had student loans through Navient and I sought information about how to best go after my loans. I feel that they withheld information from me and poorly advised me in the decision process. The big one would be keeping me from a more effective payment plan. The fi rst one is as a  XXXX  in a non profit organization the Public Service Loan forgiveness is by far my best option for rep ayment. I feel that Navient withheld this information when I asked about my options in order to keep my loans and keep them in a longer repayment process and keep the loans within their organization rather than have them switched to   XXXX   XXXX    i n which they could no longer profit from it.
Product: Checking or savings account

On XX/XX/year> my company partnered with XXXX XXXX deposited my paycheck via electronic wire transfer. 

I have a checking XXXX account with XXXX XXXXXXXX XXXX, XXXX and they convinced me to open an account with them because we get our paychecks early. On the application there is even a feature on the setting that says EARLY XXXX SETTINGS. You then have to turn on the setting which mine was XXXX. It says " Receive your direct deposit up to 2 days before the scheduled date '' They have failed to provide these services after being sued by the CFPB for interests on their savings account. Thousands of customers are also being affected on platform " XXXX  '' also once known as " XXXX ''. 

Lots of us are now late on payments, dipping into savings, and are charged late fees with interests on many accounts. 

It is now XX/XX/year> and people are still having trouble accessing funds. From personal to business owners. People are outraged.
Product: Credit reporting, credit repair services, or other personal consumer reports

These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from XXXX XXXX XXXX and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on XX/XX/XXXX.
Product: Debt collection

This letter is to initiate a complaint against Dyke ONeal collection agency,  located in XXXX, Texas ( please see attachment provided ). 

At an earlier time, I was forced into a short sale of a property I had owned due to vandalism. The mortgage holder required that a {$5000.00} promissory note, with payments of {$42.00} per month. This note was subsequently turned over the Dyck ONeal for servicing. 

Dyke ONeal sent me monthly billings on a regular basis until the middle of last year ( XX/XX/XXXX ). For five months, I received no billing statements - and therefore no payments were made on the note. In XX/XX/XXXX, a  representative of Dyke ONeal contacted me by telephone and informed that the note was in arrears. I promptly brought the note current. 

Later, Dyke ONeal placed a derogatory note on my credit report, stating that I had missed five payments. I phoned the company to request that the derogatory information be removed, as I had not paid because I had received no billing statements. The company refused to do this, citing that they sent out billings as a courtesy only, and hung up the phone on me when I complained. 

I would like to request that action be taken to compel the removal of this information from my credit report. I have excellent credit otherwise, and what they have added is very damaging. 

In addition, the short sale was originally mis-reported on the credit report as a foreclosure, when this was not the case. 

This issue was already referred to the Maryland Division of Financial Regulation, but they were unable to have the derogatory information removed. Further, XXXX XXXX, XXXX at Dyck-O'Neal made several untruthful statements to that agency during the course of their investigation. 

As a result of this situation, I am looking at payments on a used car of nearly {$100.00} more PER MONTH due to the fact that my credit score dropped approximately 115 points. This is a material adverse financial impact. 

What rights do I have as a consumer regarding credit reporting agencies? There would seem to be no accountability for the veracity of their information, despite its impact on peoples lives. 

I may be reached by telephone on XXXX should you wish to discuss this matter further. Please note that if you call and receive an unusual response, you have probably reached my robocall app. I will call you back. 

Thank you in advance for your assistance.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name XXXX XXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXXXXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX
Product: Money transfer, virtual currency, or money service

Summary : I have been unable to transfer my remaining funds ( approximately {$9000.00} ) from my Chase bank account to my personal account in XXXX, where I currently reside. Despite multiple attempts and interactions with Chase customer service, each wire transfer request has been cancelled, leaving me without access to my own money for living expenses. 


In XXXX, while pursuing a XXXX XXXX XXXX in the United States, I opened a Chase bank account. This account was used for tuition payments and daily expenses, including in-store grocery shopping and online purchases on Amazon. Upon graduating and leaving the U.S. in XXXX, the account balance was approximately {$9000.00}. 

Currently residing in XXXX and needing funds for living expenses, I attempted to transfer money from my Chase account to my personal bank account in XXXX. I initiated a wire transfer request through the Chase mobile app. The sequence of events is as follows : 1.First Attempt : 1.1Within 10 minutes, received an email canceling the transfer due to security review. 
1.2Immediately called Chase customer service .

1.3After identity verification, was advised to wait 30 minutes and resubmit the transfer.

2.Second Attempt : 2.1Resubmitted the transfer to my XXXX  account as instructed. 
2.2Received identical cancellation email within minutes.

2.3Called Chase again, receiving the same advice to resubmit after account notation.

3.Third Attempt : 3.1Submitted another request for transfer to my XXXX  account. 
3.2Received same cancellation email within 10 minutes.

3.3Account locked.

3.4Called Chase for the third time.

3.5After identity verification, account unlocked.

3.6Advised again to resubmit transfer request.

4.Fourth Attempt : 4.1App requested a phone call to Chase for a one-time verification code.

4.2Called Chase to obtain the code for the transfer to my XXXX account. 
4.3Unable to locate the transaction in the app during the call.

4.4Transferred to another representative.

4.5After identity verification, received the same response : account noted, await contact from the review team.

4.5Immediately after the call, received the same cancellation email.

Throughout this process, each customer service interaction resulted in identity verification, account notation, and instructions to resubmit the transfer request to my Irish account. Despite multiple assurances of resolution, the issue persists, preventing access to my personal funds and causing significant inconvenience. This ongoing situation has left me unable to transfer my own money from my Chase account to my personal account in XXXX for necessary living expenses.
Product: Mortgage

Hi, After I filed a complaint with the Consumer Finance Protection Bureau about the practices Truist was engaging in -- after dragging out a refinance application for six months, they gave me two days to give them my 2020 corporate tax returns -- the bank denied my application. It seems likely that it was in retaliation for filing the complaint.
Product: Bank account or service

Was involved in a Motor vehicle accident XXXX/XXXX/2016 filed claim with USAA. Claim was paid for accident the money was deposited into our USAA checking account, However I was notifed that we was involved in a bank fraud and our account was frozen. due to the investigation. After the determination was made the bank ruled as a scam. After we informed them that our bank card and account info was released and was unknown to us. The claims department refused to re issue the amount of money to fix the damage, and is also refusing to provide ANY documentation to us so we are able to seek further help to pay for the vehicle. USAA took over XXXX from our account which was our paycheck and claim to fix the car.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Unde

r 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft an
d should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a capital one auto finance account on my credit report showing a payment history of charged off the account was never late and paid in full I have proof from capital one but after several attempts the bureau continues to report negative payment history and incorrect information
Product: Credit card or prepaid card

I had trouble with PayPal. Shortly before XX/XX/XXXX, they shut down my account and said I had violated their user agreement. Those messages are no longer visible to me in my account page, though they say they save messages for 90 days, and it did occur less than 90 days ago. When I asked what had happened, they said they could not tell me. Then, on XX/XX/XXXX they said they resolved the issue and reopened my account. However, I still could not link my credit card to their wallet. I again asked what the problem was, and they said they could not tell me. Finally, on XX/XX/XXXX, I got a live person to get the credit card signed up. I asked what the problem was, but again they said they could not tell me. I asked if this would affect my credit rating and they said it would not. My complaint is on their lack of transparency. If I had not pursued it, they sijmply would have dropped me with no explanation. I think that is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

On XX/XX/XXXX at XXXXXXXX XXXX, in a six-minute call, I attempted to stop automatic payments to XXXX XXXX XXXX XXXX The agent began to read a lengthy, mostly unintelligible disclosure that there would be an {$8.00} fee for the transaction, that the payments could only be stopped for a maximum of 12 months, and that the payments could not be stopped if the corporate recipient of funds had changed their company name in any way. 

Additionally, On XX/XX/XXXX at XXXX XXXX., I called the credit union to report a fraudulent debit to my account of {$14.00}. In that six-minute call, my debit card was cancelled, and a new one was issued. 
At XXXXXXXX XXXX. on the same day, in a four-minute call, I reported that I had been in error and that the {$14.00} charge was legitimate. The representative placed the call on hold for an extended time to get ahold of him. She then said that the investigation into the charge was cancelled but that the issuance of a new debit card could not be stopped. 
On XX/XX/XXXX at XXXX XXXX., in a two-minute call, I activated my new debit card. 
On XX/XX/XXXX at XXXXXXXX XXXX, in a seven-minute call, I questioned why a provisional credit was posted to my account that day for {$14.00}. After being placed on hold for an extended time to get ahold of him, the representative said the credit would be reversed. Documentation is attached.
Product: Credit card or prepaid card

I never applied for this card ( US Bank ReliaCard ) and have no idea how this company went through a financial application without my knowledge or approval. My name is from a previous marriage which ended in 1997 and the first name is spelled incorrectly. I did apply for unemployment and did respond with NO DEBIT Card required. 

I am reporting US Bank as a potential scam. This is very disturbing and I want this cancelled and made known to the Ohio Unemployment Services as well as to your company. This is financial abuse. You had no right to my information however wrong it is indicated on this debit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that I did not apply for some one been using my identity and apply for stuff with out my consent or knowledge first inquiry XXXX  XXXX, XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$1900.00} and XXXX  XXXX XXXX Opened : XX/XX/2017 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX XXXX stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from XXXX XXXX XXXX. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying XXXX XXXX XXXX, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted XXXX XXXX and they denied removing from my credit report. I disputed the item with Experian and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what XXXX XXXX  stated vs the proof that I was refunded the amount i paid them proving I did not owe them money