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

I am in distress because of the inaccurate information on my credit report. I have yet receive a response from you I want all this problem get fixed right away and I will not wait another months to receive your response. Failure to investigate these issues within 30 days provides a reason to delete those items from my credit report immediately, according to Section 611 ( a ). They should be removed as soon as possible because it has been 60 days passed and I never heard from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went through a divorce and USAAs divorce dept helped me change all my accounts. They changed my checking account from my current checking to an existing savings. The account numbers are only 2 numbers different. 

I have been with USAA since 1997. I have never had this kind of issue. 

I am having problems paying out of my current account with autopay and it keeps reverting to my old account. I have called on a least a dozen occasions and most recently they reported me 30 days past due because of misinformation they have given me or misunderstandings with the account. 

I talked to the escalation team today and they helped me set up autopay on the new account and had numerous issues doing it though because it kept reverting to the old account. 

They saw my issues but at the end said its my responsibility to pay my bills. All this while I have a Covid 19 90 day relief of payments from them. 

I want the entire file reviews and all conversations listened to. I was misinformed and misled about how my payments would go through. Additionally they are sticking me with a convenience check fee after my credit card was expired and I needed a method of payment for construction workers remodeling my home. They said they would overnight checks but didnt tell me it would acquire additional fees. I feel they are playing word games. 

I am a XXXX  and Ive not only received paycuts but XXXX   furlough or even lay-off. Im trying to refi my house and USAA is manipulating their XXXX up to make it mine.
Product: Checking or savings account

I pulled {$400.00} out of my chime account to my XXXX  account and my XXXX XXXX card was stolen and i reported XXXX $ worth of fraudulent transactions to XXXX and my disputes were denied although my card was stolen from me and the transactions were unauthorized. Chime is telling me since i authorized the transaction to XXXX they wont dispute it when im explaining in detail what happened and how XXXX XXXX isnt doing anything. i should be able to get my money back. they are so rude and keep telling me i need to contact XXXX XXXX and they cant do anything when i already contacted them and they refuse to dispute these charges.
Product: Mortgage

Several Employees at Platinum Home Mortgage XXXX XXXX for purposes of a competitive advantage have put up hundreds of horrible untrue links that disparage me and other people that I work with. I spoke with the attorney for platinum and he told me that he would not be able to help me. These are horribly false complaints by his company 's employees that have hurt me both personally and financially. 
The company and XXXX of their loan officers and management teams including their NMLS number are included in the links : XXXX XXXX XXXX The XXXX. 
XXXX XXXX NMLS XXXX is a disgruntled former employee who works for Platinum and runs a completely non-compliant website, XXXX for Platimun Home Mortgage XXXX. I ca n't prove that he 's behind this so I wo n't accuse him. However XXXX of his team XXXX XXXX is obviously involved based on the links I 'll provide to you on google. XXXX also a Platinum Home Mortgage NMLS XXXX employee does his programming also has a website, doctorsfundinggroup.com that directly links to all of the XXXX consumer sites. I do not want to file this but Platinum left me no choice. I ca n't take these things down. Only they or their employees can.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was compromised between XXXX ant XXXX. During this time several inquiries were made on my Experian report. I demand that these items be removed immediately. 

XXXX XXXX XXXX. XXXX
Product: Student loan

XX/XX/2020. I received notice that Myfedloan.org would be taking over my loan for my son 's college tuition from Mycornerstoneloan.org. I created an account. The next time I tried to log in it gave me an error and said information did not match. I called the provided phone number and was told my birthdate did not match. I was told to fax my driver 's license. I have faxed my D/L on XXXX, XXXX, XXXX and XXXX. I have also mailed it. I received one e-mail on XXXX which stated they received my request. Still does not work. I have called 10 days or so each time after faxing my D/L. Still no luck. I have literally spent hours on the phone trying to get this resolved. This is some kind of error on the part of the loan company and there is no way I should have had to spend so much time and energy trying to get this fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and i find two hard inquiries that were not authorized by me. I contact XXXX XXXX and XXXX about the fraudulent inquiry and they agreed to remove it from my credit report but they never did. I recently check my credit report and XXXX XXXX added another inquiry to XXXX  report that i did not authorized, i call them and they both said the same thing. I'm very frustrated, this is a very serious matter, XXXX XXXX and XXXX  won't help me fix it. Please remove XXXX/XXXX XX/XX/XXXX and XXXX/XXXX XX/XX/XXXX from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. require the XXXX credit bureaus to validate these accounts. 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 XXXX XXXX  Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loan accounts open with XXXX  XXXX XXXX in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my XXXX email account. For some reason, XXXX  XXXX XXXX was only sending my bill to the XXXX email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting XXXX  XXXX XXXX, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this XXXX XXXX agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this XXXX XXXX XXXX department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number # XXXX, XXXX XXXX XXXX  account number # XXXX, XXXX XXXX account number # XXXX & DRIVETIME/XXXX account number 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: Credit reporting, credit repair services, or other personal consumer reports

I started and investigation request on XX/XX/2020 with follow up request and this company have not send me updates or share the process of there investigation, inaccurate information is been reported to my credit report and this company have not remove them. please investigate. 

please see attached all the letters sent and my ID
Product: Credit card or prepaid card

I purchased  a PayPay de bit card at  XXXX  in  XXXX   XXXX , CA for {$3.00}. The monthly fee for the card was not disclosed on the packaging, and is obfuscated on the PayPal website.     The monthly fee f or a PayPal Prepaid car d is {$4.00}, and that monthly fee can not be avoided. There is no mention of the monthly fee anywhere on the  OEM pac kaging. The only way to get money off of the card is to activate the card. With  in 36 hours of activating the card, a monthly fee of {$4.00} is deducted from the price of the card. Given I paid {$3.00} for the card, the undisclosed monthly fee makes the effective purchase price of the card {$8.00}.
In the PayPal website deceptively obfuscates the monthly fee. While the fee is listed plainly as a transaction called " Debit : Plan F   ee MM/DD/YYYY '' ( e.g. " Debit : Plan Fee   XXXX / XXXX /   2017  ' ' ), t hat transaction does not show up when the user wishes to display only fees.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a written dispute to XXXX regarding a Macys/Citibank NA credit card account that I never opened, applied for, received, or used. The account is dated XX/XX/XXXX, and reports a {$0.00} balance. 

Despite my clear dispute stating that I had no involvement with this account, XXXX responded on XX/XX/XXXX, claiming the account was verified, without providing any proof or documentation. I never applied for a Macys card, never received one, and never used one. I believe this account was either fraudulently opened or mistakenly associated with my credit file. 

The failure to properly investigate my identity theft dispute and the continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ). This inaccurate reporting is harming my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XX/XX/2022 Re : Account Number XXXX
Product: Mortgage

We have had nothing but trouble with Specialized Loan Servicing LLC. Every time we received a phone call from them we got a different story. We were told we were current, then another phone call we were 60 or 90 days behind. We set up an online account to pay our monthly mortgage then XX/XX/XXXX we were locked out of our online account, they refused to take payments, So XX/XX/XXXX we purchased a money order from our Post Office, a week later we spoke to a lady XXXX claiming they did not receive that payment, we had that money order traced by our post office &  we have proof that it was made out to Specialized Loan Servicing & was cashed by XXXX XXXX, we never had XXXX XXXX as a mortgage company. We sent Teller XXXX an email of the traced money order & that it was cashed & she never responded back to us. XX/XX/XXXX they refused our payment by phone & informed us we had to make @ least two payments, but then take a XX/XX/XXXX phone payment which we have proof, On XX/XX/XXXX, we spoke to a XXXX who informed us our new payment was {$670.00} & change we informed her we never recieved any notice of any change, we then asked to speak to a supervisor, so XXXX from Arizona informed us we were current as of XX/XX/XXXX, & need to focus on the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX that none of those payments a year ago cleared our checking account & we have all our bank statements proving they did, that day we wanted to make a payment & she refused our payment unless we paid two payments & then said no four payments. We can't get anywhere with this mortgage company, monies have cleared our account & is definately not being applied to our mortgage. We have asked for a qualified complete payment history that they were supposed to mail to us & we have never recieved, we also asked for monthly mortgage statements mailed to us which we don't get either. We have been stressed beyond over this but we have not gotten anywhere with them. By them refusing our payments is putting us in default & lowering our credit score. WE DO NOT WAN NA LOSE OUR HOME, we really feel we  are being frauded.
Product: Checking or savings account

They would take money out of my account without notifying me. They wont let me borrow after paying off the balance
Product: Debt collection

Conns have placed over 7k on my credit file due to someone stealing my identity
Product: Debt collection

Northstar location Services have called me several times over the last month. 
On the first call i requested they not call between XXXX-XXXX  EST for I am at work. They stated they would not call and said they are open till XXXX. 
Several days later I receive a call in afternoon while i am in a meeting with my BOSS! 
He was not pleased to have my phone ringing during our meeting! I called back and again requested they not call me between XXXX-XXXX  and again they stated they are open till XXXX and i said i would try to call back after work. 
Now today XX/XX/25 at approximately XXXX EST i received yet another call while in a meeting with my boss. With whats going on in the world right now and people getting laid off I can not afford to have collection calls during work hours. 
I called back and informed they this is the third time you called while i was at work. The gentlemen stated he can not stop collection efforts, and i mentioned that you cant call during work hours at my request. He simply stated that -well it looks like you keep saying youre going to call back but you never do. It seems like you don't intend to pay. We have options to resolve this debt before we escalate this further!
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked at my credit report and found that the credit bureau consistently reports accounts with inaccurate information. The Fair Credit Reporting Act has clearly been violated in this case. I've already spoken with them about this matter, but I haven't heard back from them to this point. Please correct this immediately. 
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 have requested three investigations in regards to unauthorized hard inquiries being present on my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized access to my credit report, which I believe is in violation of 15 U.S.C. 1681b of the Fair Credit Reporting Act ( FCRA ). Specifically, I have discovered that my credit report was accessed by XXXX XXXX XXXX, without my authorization, or any permissible purpose as defined under the FCRA. According to the FCRA, a consumer report can only be furnished for specific permissible purposes, such as credit transactions, employment, insurance underwriting, or other legitimate business needs. I did not initiate any transactions, applications, or business relationship with XXXX XXXX XXXX, nor did I provide written consent for my credit report to be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my name and XXXX  changed since XX/XX/XXXX, and have since repeatedly contacted Equifax to change the information, but they report that I have to change it with my accounts ( with student loan agency XXXX ), which I have done already, but there has still been no changes. My first, middle, and last name were changed, and were changed with the SSA in XX/XX/XXXX. My State Driver 's License has been changed since XX/XX/XXXX. It should be noted that the name change is confidential and sealed by the courts for the purpose of my personal safety.
Product: Checking or savings account

PayPal placed a hold on my account 7 months ago for unknown reasons with a statement stating they would send instructions to release the funds in 6 months. 6 months went by without contact. I spoke with a representative on XX/XX/XXXX who stated that the funds would be released in 3-7 days. I received no contact and the funds were not released. I contacted PayPal today, XX/XX/XXXX, who stated that they were going to review the account, but given no timeline as to when the funds would be released.
Product: Checking or savings account

I have Navy Federal and was charged fees due to insufficient funds when i thought i had the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card account with XXXX XXXX XXXXXXXX XXXX. The credit card was opened XX/XX/XXXX, and was charged off in XX/XX/XXXX. XXXX has incorrectly reported the dates of the bill being current, which they report as ONLY the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The bill was current XXXX XXXX XXXX The bill was charged off in XX/XX/XXXX, however the information on the credit report shows the bill as being charged off in XX/XX/XXXX. They also reported the last payment as XX/XX/XXXX, which is incorrect. This caused a severe decrease in the on-time payment percentages shown on my credit report. 

Secondly, after the closing of my personal bank account with XXXX in XX/XX/XXXX, they revoked my account usage which prevented me from using their app and website to make payments. 

I settled the debt directly with XXXX on XX/XX/XXXX for {$81.00}, after receiving a letter in the mail. However, the reported balance on my credit report prior to XX/XX/XXXX was shown as {$810.00}. 

The items I cite as being violations of the FCRA are -posting the high balance ( 813.42 ), which is higher than the collections representative had me pay ( 81.34 ), -an incorrect date of first delinquency reported which is required by FCRA 623 ( a ) ( 5 ) ( a ), -and it would be in violation of FCRA 623 ( a ) ( 1 ) ( B ) if this information is continued to be reported.

Furthermore, there are 0 sections in the FCRA that prohibit deletion.

I have attached screenshots showing the date of payment and amount, and how they changed the dates of current/past due/charged off on my credit reports.
Product: Checking or savings account

On Friday, XXXX XXXX, my husband cashed a T-check inside a Bank of America Branch in XXXX, TX ( XXXX XXXX XXXX ). The T-check was in the amount of {$720.00}. He cashed the check and deposited {$500.00} into his business account receiving a cash back of {$220.00}. He received his deposit slip of {$500.00}. 

On Saturday, XXXX XXXX, we noticed that the business account was lower than expected. When we opened the account, we noticed that the bank logged a " customer withdrawal image '' of - {$500.00}. My husband immediately called the bank and receive no answer. He called for approximately 30 minutes with no answer. I went up to the bank and spoke to the branch manager about the issue. He pulled the account and saw the issue. He stated that the bank will have to investigate to see what happened and that it will take 24-48 hours. I informed The manager that we had other transactions expected with the business account. He stated that it will still take 24-48 to investigate the issue. 
Meanwhile, my husband spoke to the online customer support who stated that they are not sure what was happening with the account but the branch should be able to assist. 

On Monday, XXXX XXXX, I called the branch. No response. I called the customer service rep and he attempted to assist with the situation. After nearly 50 minutes investigating the issue with his superiors, the customer service rep informed me that they see that there is a problem but only the branch can explain what is going on. Again, I went to the branch at XXXX XXXX and spoke to the Branch Manager who stated that they were still investigating and that the process could not be rushed. I informed him that our account will be overdrawn due to some automated drafts at the beginning of each month. He stated " If it is our fault, we will refund the account ''. I told him " do you not see how inconvenience this is for your customers? '' He stated that he understood and that they will look into it. I also told him that not answering the phones was inappropriate. His response, " sometimes we are not able to get to the phones ''. 

On Tuesday, XXXX XXXX, my husband ( who was already driving OTR ) informed me that the business account was overdrawn by - {$370.00}. This is negatively impacting our account as well as limiting what my husband can do while he is out over the road. I called the branch again, no answer. 

I called the automated Bank of America system again. I was supposed to get a call back within 15 minutes. After 45 minutes, no one has called. I called again and the automated system stated that someone will contact me within 1 hour and 15 minutes or I can hold for 1 hour and 15 minutes. 

Before we close our business account with Bank of America We are needing this issue resolved asap. 

I have hard copy documentation of T-check, deposit slip and bank statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT GIVE AUTHORIZATION!!
Product: Debt collection

I have asked for validation of debt, purchase agreement saying to could collect. Chain of custody paperwork. All I received is a letter stating due to statue of limitation expiring they cant sue. Im trying to get this off my credit report
Product: Debt collection

I received a collection notification and I responded via certified mail requesting a debt validation. 
I received a letter back from the collection agency saying enclosed is the information you requested. Upon my discovery Im looking at procedures and medications that were given to me in the XXXX XXXX. 
I am appalled that the collection agency has this information about what I had done while in there. Furthermore I was given the proper documentation that I requested but they attached the description of transaction I had performed along with cost.