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

I deposited a check on XX/XX/XXXX in the amount of {$8000.00} from my retirement account of XXXX. This money was for my son to move to XXXX  to start XXXX XXXX  on Monday, XX/XX/XXXX. USAA released only {$500.00} and is holding another {$7500.00} for a total of 7days until Thursday, XX/XX/XXXX. They stated on a phone call on Saturday, XXXX, XXXX that a computer generated run report of my account states that I have had an overdraft fee within the past 12 months that is keeping the deposit from being released. I asked for documentation to be sent to me stating that the Federal Government allows computer generated holds at banks to keep consumers from having control of THEIR money. USAA representative went on to say that they dont have the actual check in hand. That is a USAA problem as they dont have ANY STAND ALONE banks available to their customers. That is their way of banking. I have been a customer at USAA for 19 years. I have XXXX separate accounts with USAA and I am being treated as a criminal. They refused to tell me my monthly deposit amounts because that would negate their false representation of me as a customer and consumer. I want all documentation and reasoning behind their refusal to allow me access to my money as well as all Federal Regulations that states computer generated reviews of a consumers account will be used to deny them the right to their deposits.
Product: Checking or savings account

Cash app keeps closing my account when I enter my social sercuity number and wont give me a reson why. 

My account is not negative to my knowledge and I dont have any information from when I did have an account or dont remember my last login information Cash app took my social sercuity number and use/held it for personal gain now I cant open an account without a reason of why its closed when I try to create a new one and a active one. They just closed my account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi. I have disputed an authorized user account with Equifax credit reporting agency asking them to remove that account from my credit. And Equifax says that they can not remove an authorized user account from my credit file. The authorized account that shows in my credit report does not belong to me. Besides that there is a law in FCRA that says the authorized user accounts do not have to be reported in to consumers credit files. And Equifax do not cares about any federal laws. They just say " we have our own policy about our own company and we will do everything the way we think is good to do ''. 
They just refuse to remove an authorized user account from my credit report. It has been months I am asking Equifax to remove the account from my credit file. I have disputed that account for 3 times. I am sick and tired of disputing it. No changes so far. The authorized user account still reports in my credit file and it DOES NOT BELONG TO ME. 
Equifax is violating the FCRA law. 
XXXX  and XXXX XXXX have verified and removed that account from my credit file. 
But Equifax ... 
Please HELP!
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Equifax credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act ( FCRA ), 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 ( 15 USC 1681 ( e ) ( b ) ). Further, under 15 USC 1681 ( 5 ), they are required to do the following : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general : After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, if an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : ( i ) Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Finally, under 15 USC 1681s-2, furnishers of information are prohibited from reporting any information to consumer reporting agencies if they know or have reasonable cause to believe the information is inaccurate. 

These accounts are not mine and were fraudulently opened as a result of the Equifax data breach that occurred in XXXX. 

As a victim of the breach, my personal information was compromised and used without my authorization to open these accounts. Despite my efforts to resolve this matter directly with Equifax, the company has inaccurately stated that these accounts are valid and have refused to remove them from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I, XXXX XXXX, mailed First Progress a notice informing them that pursuant to the Gramm Leach Bliley Act I am exercising my right to opt out of my information being shared and I no longer wish for my nonpublic information to be shared with XXXX. On XX/XX/2023, I mailed XXXX a copy of notice that was mailed to First Progress along with a notice specifically for XXXX informing them that pursuant to the Gramm Leach Bliley Act I no longer wished for my nonpublic information to be shared. First Progress blatantly disregarded my request and did not respond to my notice. However XXXX did an alleged investigation and responded stating that the information on my consumer report was verified as accurate. A financial institution such as First Progress must respect a consumer right to privacy and cease disclosing personal nonpublic information when they receive a notice from a consumer choosing to no longer share private information. XXXX has a duty to also respect a consumer 's right to privacy. I did not send First Progress or XXXX a notice disputing an inaccuracy, however I did notify both companies that I am opting out of my NPI being shared and both companies disregarded my request by responding stating that my nonpublic information was verified as accurate.
Product: Debt collection

This account was purchased by the third-party debt collector, National Credit Systems . The status and amount reported for this account are inaccurate, as the account was either paid in full or settled for less than the owed amount. I am requesting the immediate removal of this account from my credit report. 

Furthermore, I have never had a contractual relationship with National Credit Systems. I believe the original creditor, XXXX XXXX XXXX XXXX, sold my account without providing proper notification. This action violates FCRA Section 611, which addresses the reporting of inaccurate information on credit reports.
Product: Credit card

Since XX/XX/year> claims I owe money on my credit card bill when the bill was paid. I have called numerous times to straighten things out yet still get billed and charged fees. The original bill was for {$39.00}, which I paid twice. The fees are virtually the same amount as the bill. I have not made any other purchases using that card. In XXXX I paid {$81.00} which was only fees. In XXXX they charged me another {$31.00}, which was only fees I didnt owe. Now they claim they didnt get the XXXX payment. They are claiming I owe {$64.00} in XXXX. That represents the past balance of XXXX, which I paid and which is only fees I dont owe, plus fees of {$33.00}, for a total of {$64.00}. 

I just cancelled the card and paid the bill to get rid of them, but I believe I have been overcharged {$140.00} in fees that are higher than allowed. Please investigate Commenity Banks practices
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX  XXXX ....
Product: Credit card or prepaid card

Bank of America closed my Cash Rewards Visa card without any warning. I had a fixed 7.9 % interest rate on that card. I filed a cfpb complaint previously ( Case # XXXX ) which I thought was resolved but not so much. After trying to get a hold of their Resolution Specialist XXXX XXXX XXXX, both via email and by leaving multiple messages, XXXX finally called me back. He told me verbally that he was sorry it took so long to get back to me and that he was approving my request to re-open my credit card at the same fixed interest rate of 7.9 % .a week or two after that conversation with XXXX XXXX I received a letter from Bank of America XXXX dated XX/XX/20 ) stating that they are not able to reopen my credit card! I want this resolved asap, please.
Product: Debt collection

see attached dispute letter. I have never even been contacted by this company and I see them on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and fixed from erroneous reporting in my file are listed on my credit report : 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 XXXXXXXX
Product: Mortgage

The mortgage company reached out to me to let me know I was pre-approved for a mortgage loan. They asked me to pay {$41.00} to pull my credit, required right on the spot. The loan officer reviewed everything and approved me for the loan and asked me to e-sign the documentation. Once this was done he told me that I would be required to pay a {$500.00} fee to lock in the interest rate. I explained to him I never heard of such a thing, typically the rule of thumb is loan approvals are good from XXXX days depending on the loan. He instructed me that it's technically the " underwriting '' fee which all mortgage companies will charge. I told him these fees are typically paid via being added to the loan or in the closing costs. He tried to explain to me that every company does it differently, they just happen to require the payment up front and it will lock in my interest rate for 60 days. I asked him to send me the document with the interest rate via email to assure I had this document for my records, not just displayed in their online portal. I signed off on a locked in interest rate of 6.2 %. The loan officer then transferred me to his colleague who is the loan processor, to collect any additional documents needed for the loan. I submitted all documents as asked ( pay stubs, home owners insurance, etc. The loan processor then asked me to review the loan terms one more time for accuracy and sign it, I noticed the loan rate and percentage was different from the agreed upon rates, in which I paid to have locked in. It was now showing as 6.5 % I asked her to modify it to reflect what I paid for and she stated she couldn't make any loan adjustments it would need to be done by my loan officer. He has been unreachable to rectify this situation and a refund has not been issued for my {$500.00}. 

In addition, I have read reviews online ( unfortunately, after the fact ) and this company has done this to a good amount of people. Please assist.
Product: Credit reporting or other personal consumer reports

I contacted Resurgent Capital Services on XX/XX/2023 regarding a collection notice I received in XX/XX/2023. I requested a debt validation including the original signed contract, but the creditor mailed me a 2-page statement that just shows late fees.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX  ACCT # XXXX, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. 
Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to all three credit bureaus with tracking and receipt tracking. I have sent a letter to remove inaccurate personal identifying information to all three bureaus on XX/XX/2023 that included my drivers license, phone bill and social security. I've also sent a letter to all three bureaus to remove inaccurate credit information on XX/XX/2023 and a letter of method of verification was sent to all three bureaus on XX/XX/2023. They all have lapsed with the time frame to reply with my last request on XX/XX/2023 and are still reporting with inaccurate personal identifying information. 

In accordance with the FCRA, all three bureaus has violated my federally protected consumer rights under the following Consumer Code of Laws. 

15 U.S. Code 1681 a ( 4 ) Due to privacy and confidentiality under Receiving a post card with any update from XXXX and having the postal service know what is being done is also violating my privacy. 
15 U.S. Code 6802 Not one creditor gave me the option to Opt Out 15 U.S. Code 1681i ( a ) 6 ( B ) ( iii ) Did not receive Method of Verification requested Per FCRA 611 ( a ) ( 7 ) did not reply in 15 days 15 U.S. Code 1681i ( a ) a complete investigation Per FCRA Section 604 a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 a
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting collections on my credit report that I have asked them to investigate and they didn't complete a proper investigation. The collections were XXXX XXXX and XXXX. I would like a full investigation into this accounts.
Product: Mortgage

Borrower is currently facing a foreclosure sale of his home scheduled to be held on XXXX XXXX, 2017. Please see notice of sale attached hereto. On XXXX XXXX, 2017 borrower, through his attorneys, submitted a complete application for loss mitigation to his loan servicer PHH Mortgage. Please see application for loss mitigation and confirmation of fax delivery attached hereto. On XXXX XXXX, 2017 PHH Mortgage issued a letter stating that borrower 's application for loss mitigation was been denied as incomplete. This letter cited no documents as missing from borrower 's application. Please see letter from PHH Mortgage dated XXXX XXXX, 2017 attached hereto. We assert that borrower 's complete application was submitted more than 37 days prior to a sale date andso PHH is required by 12 CFR 1024.41 ( c ) ( 1 ) to evaluate borrower for all loss mitigation within 30 days of receipt of the complete application. Additionally, PHH Mortgage failed to cite any documents as missing  from borrower 's application in their notice of XXXX XXXX, 2017. This being the case, pursuant to 12 CFR 1024.41 ( c ) ( 2 ) ( iv ) borrower 's application for assistance is facially complete. As borrower 's application is facially complete, borrower is forbidden from conducting the foreclosure sale by 12 CFR 1024.41 ( g ).
Product: Credit card

Theres a credit card offer on my card which is spend {$300.00} at one of qualified XXXX XXXX XXXX and get {$100.00} back. I stayed at a qualified hotel and the spending is verified by Amex to be qualified as well, but their system couldnt recognize the hotel because they mistakenly labeled the hotel I stayed with a different merchant number, so that when they compare the merchant numbers it would be mismatched so I can not get my {$100.00} back. They have escalated this problem to higher managers and they could never resolve this although they already admitted it is a system problem.
Product: Credit reporting or other personal consumer reports

I have been in multiple disputes for several months with Equifax over the hard inquiry Dated XXXX XXXX  From XXXX XXXX, listed on my personal credit report. I have repeatedly requested copies of any authorizations from me, to aquire personal credit from the listed credit provider.. I keep recieving by Email and US mail canned responce letters telling me that they have investigated my complaints and closed the disputes without removing the Hard inquiry in question. Under the requirments of the FCRA I have detailed my requests to make it clear what information I am entitled to receive, the credit reporting agency has not fullfilled my request. There fore I am requesting the immediate removal of this Hard inquiry.
Product: Checking or savings account

On XX/XX/XXXX I attempted to purchase XXXX XXXX through a website called XXXX. When attempting to check-out my payment would not go through. I tried two separate debit cards, and a credit card. None of which went through with a notice saying charges could not be complete. I was asked for all of my information, name, address, and card info. The total was just under {$150.00} including shipping. 

The next day I had a charge of {$130.00} to my debit checking account by a vendor of the name XXXX from Kentucky. The website I used the night before was marked for fraud all over blogs with similar experiences and the site was removed within the day no longer existing. I disputed the charge with seemingly no issues with Chase. This charge approved in my account on XX/XX/XXXX despite my instaneous reporting. I called Chase again, and this time the instant charge was reversed back into my account case had been opened. 

On XX/XX/XXXX my account was overdrawn with a re-reversal of the {$130.00}. I spoke to 6 different chase representatives before someone admitted that my address was sufficiently proven by this merchant, and that I had received services to my address on file, therefore case is closed without subject to re-opening. There was a tracking number issued to my name and address. I requested this proof they have on file, and am still waiting for this information. They said the bank can not do anything for me considering this is sufficient evidence that I used this merchants service, and because I have no proof of doing so or proving not doing so, it is no longer subject to dispute on the banks behalf, there is nothing they can do.
Product: Student loan

I had a private student loan with XXXX now known as navient. When I was struggling to repay my student loan due to unemployment with no income they gave me little room for referral or chances to pay the money back. They went after my consigned and negatively affected their credit score even while I was paying them as often as I could. They would not allow any kind of deferment due to hardship and when I was back on my feet they had already sent my account to collections with no warning to haggle my entire family. This has caused a lot of financial issues stemming from a loan to help further my education.
Product: Credit card or prepaid card

I have been going through a continuing dispute process with Citi Credit Cards and they have been repeatedly reversing and recharging the same amount to prolong the dispute. They are repeatedly calling me and harassing me over and over by calling me and not leaving any VM or email. 

I filed a complaint/dispute with the Citi Cards regarding a XXXX charge on XXXX I filed explaining clearly that I had made a purchase online but did not receive the shipment. I indicated that I spoke with the vendor about the non-delivery of the items numerous times but to no avail. In addition to not receiving the shipment I had initially debated with the vendor about a 10 % discount that they offered to me, but then later refused to honor after I had made the purchase. In regards, to the non-delivery, the vendor had informed me to file with XXXX so that they can get insurance claim monies back for the shipper XXXX XXXXXXXX XXXX which I did. However, after numerous attempts at attempting to work with the vendor, they did not resolve my issue and continually informed me that there was nothing they can do as they are not responsible for the shipment after it leaves their facility. After numerous failed attempts at resolving this issue to either have a new shipment or refund from the vendor, I informed them that I would be disputing the charges that I paid via my Citi credit card for the amount of XXXX as I had not received anything. 

Therefore, I filed a dispute with Citi Card about this and after a few weeks I received a letter from Citi Cards that indicated that since the vendor had provided a partial credit, which was the 10 % amounting to XXXX, they stated they are closing their investigation and reversed and charged me the XXXX once again, which appeared as a charge on XX/XX/XXXX on my billing statement. Citi sent me a letter indicating that the vendor provided XXXX, therefore they are closing the dispute and reversed the charges and if not satisfied I had to send in this letter to again open the investigation. I sent in the letter and indicated that this is not satisfactorily resolved at all. So on XX/XX/XXXX, they again provided a conditional credit for the dispute of {$84.00}. However, they have not resolved nor provided a permanent decision and it is now XX/XX/XXXX, which is over 40+ days from XX/XX/XXXX and nearly 85+ days from XX/XX/XXXX. 

Citi is repeatedly delaying the outcome or final permanent decision on this and this prolonging and delay is jeopardizing my insurance benefit filing which I have, which is 90 days from the initial purchase date, which Citi had informed me to not file until the dispute is resolved.