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

OnXX/XX/XXXX, USAA Savings Bank deactivated/suspended two of my checking accounts and referred both accounts to their Financial Crime Unit ( Fraud Department ), and when I contacted USAA on XX/XX/XXXX, the bank representative told me that my accounts are under investigation for fraudulent activities by the financial crime unit. I have been a customer at USAA bank for six years and have a direct deposit account. Because my accounts are freezed, I'm having hard time using my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX accounts -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I 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 wriiten instuctions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I leased an Audi XXXX from the Collection and made an initial payment regarding the lease, which included my contact information both mailing address, email and telephone. I reached out to Audi Financial Services multiple times because the website did not work and would not allow me to make any additional lease payments. I finally called and made a payment manually and asked them to set-up auto pay since I could not log-in to the portal. I never received another email or mail with any additional bills and still could not access the Audi Financial Services portal while outside of the country. Upon my return, I realized they had not set-up autopay and had reported lack of payment to a credit reporting agency ; however, I had never received a bill to pay nor could I log-in to the portal to see there were payment not being made. I immediately paid the bill and sent in an auto-pay form for future payments. On XX/XX/2023, I provided these facts to Audi Financial Services and told them to remedy the consumer report regarding XXXX payment being more than 30 days past due given I had never received any bills and had not ability to monitor or pay the bills given their website malfunction. They refused my request.
Product: Money transfer, virtual currency, or money service

XX/XX/2023 I sent a refund request for a {$260.00}. Cash app has not refunded me that money and also has taken what money that I was a negative that I was receiving and applying it towards the - {$260.00}. My bank has credited my account for the money because they just sent a letter saying that yes that was a valid complaint however, cash app has not adjusted my balance after multiple attempts to do so they refused.
Product: Debt collection

Received repeated calls from Direct Recovery Services which were intended for someone else. These are at least weekly and not intended for me. When I called the number back to have my number removed and ask why I was receiving so many calls meant for other people, a man named XXXX XXXX screamed at me, shouted over me and told me I " need to stop barking like a dog, who do you think you are, do you know who you're talking to, you dont talk to me like that '' etc. I then asked for his name and what company he was with. He refused to answer. I then asked for his supervisor. He refused. I asked him again and he said " I tell you what, you can have my name, XXXX XXXX, Direct Recovery Services. Theres no manager here, theres only one person above me and thats the owner of the company and you aint gon na talk to them. '' This was all because I inquired about a calls I receive that are not meant for me. He basically told me to shut up and then maybe he'd answer my questions. I dont know this company and have XXXX debt.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH EQUIFAX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF XXXX XXXX XXXX XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX of XXXX i have reached out to XXXX XXXX XXXX XXXX  about the late payments on my credit report. I also disputed it with all 3 credit bureau and XXXX XXXX still has not change my credit report. My credit report is showing inaccurate information.XXXX  XXXX my credit report state 30 days late i paid my mortgage on XX/XX/XXXX and XX/XX/XXXX report stated 30 days late again my payment was paid XX/XX/XXXX. I have provided proof of payment from XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian in regards to updating my personal information as the information on there is incorrect and inaccurate. I sent proof of residence as well proof of identity yet they still did not update my report and kept false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from XXXX 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 ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & XXXXN 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 CREDITORS AND ACCOUNTS TO BE REMOVED Account Name XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX, TX XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX  XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX AND XXXX, Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT Account Name XXXX XXXX XXXX XXXX, Account # XXXX Contact Information XXXX XXXX XXXX, XXXX XXXX, MN XXXX, ( XXXX ) XXXX THIS ITEM DOES NOT BELONG TO ME AND CREDITOR OR AGENCY HAS NO SIGNED AGREEMENT WITH ME NOR CAN IT PRODUCE ONE PLEASE REMOVE THIS OFF OF MY CREDIT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

On my reports there is a closed account with huge amount of missed payments. BANK OF AMERICA XXXX. Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA BANK OF AMERICA has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Debt collection

XXXX XXXX XXXX  in Georgia is the third party collection. I did not sign a contract. They need to remove that of my credit report asap which is damaging my credit report, since I already did a XXXX XXXXXXXX bankruptcy
Product: Debt collection

I have received 3 letters from Resurgent Capital Services alleging I owe {$530.00}.

the last letter sent to me came with a a billing statement dated XX/XX/2013 in the amount of {$120.00} ...

I sent 3 letters to Resurgent stating, I dispute owing any debt to their company and asking for valid proof of debt. All letter were sent Certified Return Mail. 

The letters being sent are harassment as I have to answer each letter and pay to show the letters were received the company and on what date. 

i want the letters of harassment to stop. 

please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX as showing on my Experian report has not under any circumstances resolved this issue. 

ive stated that this isn't my account and for them to validate this as Per the fact I was incarcerated from XX/XX/2023 to XX/XX/2023 this debt shows opened on XX/XX/2023 I was incarcerated in XXXX XXXX detention center during that time and that can be verified with the police officials For the fact that Ive stated many times for this item to be removed not only did the ignore my request but they Maliciously, Abusively, and in unfair manner Sent this file to collections to further my burden. 

Under FDCPA Debtors are not allowed to operate in such manner and this company seems to purposely be doing so. 


Ive attempted to resolve this not only with the company but also with Experian who has also not resolved to remove this from my credit file promptly. 


Under : 15 U.S. Code 1681 - Congressional findings and statement of purpose Item ( B ) States : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter XXXX XXXX XXXX Has violated this law and is acting maliciously in the sense. 

I want this item removed from my credit file and my credit file updated and a written letter of the prompt removal and updated credit report
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my dispute regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours starting the account is accurate, without providing any evidence of a thorough investigation. This violates the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 USC 5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked inaccurate : 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: Student loan

I have XXXX separate private loans that with ridiculous interest rates. I offered to settle with them on both private loans. The woman I had been working with XXXX XXXX told us how much they were willing to settle for. My father and i asked for this in writing either through certified, regular mail even email. Our customer service rep XXXX XXXX promised to notate my account regarding the agreement for the settlement offers and said she would mail out the agreement so we had a physical copy in hand and could take time to read all the details. She stated that before she could make any of this happen she was needing a payment of XXXX right then to hold my account. So we paid right over the phone with her and still have n't received the settlement amounts we discussed. When I try to call in and check on the status to see if they have sent us the settlement offer letters the rep says they have no idea what I 'm talking about and nothing was noted in my account about this. I 'm not going to send them close to XXXX XXXX dollars without having it in writing. I also get a lot of robo calls even an hour after making that XXXX $ payment over the phone with XXXX XXXX. I 'm being charged almost 10 %. The amount owed in interest alone is more than the initial loan amount. Also I have department of education loans managed by them and consolidated all of them and ca n't get anyone to help with the repayment plan. I 'm currently laid off due to lack of work. But these people do n't care. They 've told me that my dad cussed and hung up on them which was definitely not true. We want to get this settled and paid off. Please help! My mother cosigned for my XXXX private loan she 's on XXXX because she had XXXX and they are putting negative marks on her credit. So irritating and XXXX. It could really make a person sit and cry.
Product: Mortgage

In XX/XX/2001 a court ordered Select Portfolio Services that I be removed from the mortgage XXXX XXXX XXXX XXXX, NJ due to divorce and the other party XXXX XXXX was to be the only one soley responsible for the mortgage. Select Portfolio Services replied that they don't take orders from a judge and that I would remain on the  mortgage. 

I have since filed several appeals with Select Portfolio Services requesting that I be removed from the mortgage at XXXX XXXX XXXX XXXX, NJ XXXX each one resulting in Select Portfolio Stating that I will remain on the mortgage until the home is sold or refinanced with another company. During this time XXXX XXXX missed 20 mortgage payments, went into preforeclosure twice ruining my credit rating and increasing the amount owed on the home to {$170000.00} which was allowed by Select Portfolio Services. XXXX XXXX was also allowed to sign into a foreberance agreement where they allowed XXXX XXXX to refinance within Select Portfolio Services without my signature or without my consent. 

I explained that if I'm the primary on the mortgage this should not have been allowed. They explained to me that all they need is one signature and they can continue to offer any of these agreements they want despite the court order. This has been a 19 year ongoing situation. I have done all that I can legal do to correct this issue and I'm asking for assistance from CFPB with this issue. I will do whatever I can to help with the resolution of this issue by CFPB. Thank you for your assistance in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

I'm a lender on the XXXX Funds platform. I have several loans that are defaulted and past due. I have XXXX past due loan that shows pending payback. The pending payback has been like that for about XXXX months now. I need XXXX Funds to fix the " pending payback '' status of that loan. It should be showing as past due and it should be with collections. Next, I need detailed statuses of the collections for all XXXX of my past due loans. I also need the names and contact information of the borrowers so that I can send demand letters for repayment and file small claims against the borrowers. I have a legal right to this information since the borrowers agreed to the loan terms and accepted my money for the loans. 

I've opened multiple tickets but received no response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name listed as XXXX XXXX XXXX Correct name is XXXX XXXX XXXX This was corrected but then was put back on credit file due to a company account which isnt mine verified incorrectly name
Product: Credit reporting, credit repair services, or other personal consumer reports

COMENITY BANK {$540.00} closed my account due to XXXX as they had an option to close account without any penalties, but yet its still on my credit as unpaid. 

XXXX XXXX {$560.00} I cancelled service within 10 days so they tacked on a cancellation fee which i was 5 days ahead of the 15day notice XXXX {$2300.00} XXXX merged with XXXX closed my account then charged me for all the phones on my account with no warning XXXX XXXX {$1100.00} Sold my account to a debt collector after 1 missed payment
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated.my federally protected consumer rights to privacy and confidentiality under U.S.C 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I called Zelle XX/XX/XXXX after speaking to a XXXX  XXXX XXXX agent wanting to cancel Zelle services do to an ongoing related fraud scam. The XXXX agent said there was no way to cancel Zelle services however on the Zelle web site it states please contact your bank or union to cancel your Zelle services. There should be a way to cancel Zelle services and neither XXXX  XXXX XXXX or Zelle have any reasonable response/solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis sent me a letter saying 1 negative report added to my file. I checked all credit bureaus and they are fine. Called LexisNexis to obtain my report. XXXX kept telling me I could not have my report even though I have their consumer ID # for me and theyre case number. She kept saying she needed my SS # DOB Drivers License # etc.. I verified my mailing address which they already have but would not give my personal information. XXXX will not provide MY report and would not let me speak with a supervisor. Ive never authorized LexisNexis to obtain information on me nor have I authorized any company to use them. They are trying to get my personal information I believe for fraudulent purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

2 things on my credit that has been over 10 years and will not drop off. One of which has been sold to several creditors and are still trying to collect on. I am trying to buy a house and these two things are haunting me for years.
Product: Credit reporting, credit repair services, or other personal consumer reports

Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX  and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.