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

I have had nothing but problems with usaa. I guess it was because I am friends and family and not linage to the military that usaa wants to treat me like dirt. I have had nothing but issues since someone stole my check book and made so fraudulent purchases. I have been in contact with usaa since and it has been such a terrible process. Then XXXX wanted to cause some problems by wanting to process a payment out of an old checking account listed with them generating two {$29.00} NSF fee 's. I never got communication that those fee 's were on there until I signed on line and seen that every dime I had in my other two accounts had been taken by usaa and suspended pending charges they assessed to be paid. When I spoke to a representative she stated sorry you have to pay the fee 's regardless or your membership will be terminated with usaa. Both my gradfathers served in XXXX and XXXX from the military and this is how I am treated. XXXX XXXX treats veterans families better. I got in to usaa when they opened everything up to friends and family and I feel like it has been discrimination from the beginning and that they treat everyone that does not qualify for full membership differently because of the stupid lineage clause. MY mom hates your company and did n't want anything to do with USAA for a reason and now I see why. So could n't qualify for full membership because she did n't want anything to do with yall. I am not sure how that is fair. But regardless I will file suit over discrimination because I am a XXXX mother and this incident was not my fault and yall have reported it to collections unfairly and It has caused my score decrease and everything.
Product: Student loan

I am writing in regards to a private student I obtained from Bank of America in XX/XX/XXXX in the amount of {$7000.00}. 

I began making payments on the loan but the payments became too much and I started receiving harassing collection calls. My last payment was in or around XX/XX/XXXX. The calls continued but I wasnt able to make payments. 

In XX/XX/XXXX, I was served by XXXX XXXX, a collection agency/law office in XXXX XXXX, MN representing a company called XXXX XXXX XXXX XXXX XXXX, who had apparently purchased the loan in a bundle with many others. Other than requesting supporting documentation, I did ignore the issue and as a result they obtained a default judgement against me. 

In early XX/XX/XXXX they levied my bank account and got about {$60.00}. It was after this that I started consulting bankruptcy attorneys because I wasnt even certain this was an actual student loan and in XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I received my discharge on XX/XX/XXXX. 

Several months after my discharge I started receiving communications from XXXX XXXX again. I consulted my bankruptcy attorney who referred me to another attorney in the XXXX XXXX. Upon consulting with her she guided me on what to ask for in terms of the paperwork pertaining to my loan. I requested it several times and each time, it was incomplete. ( Due to a house fire, I no longer have my original documents. ) I was contacted again by XXXX XXXX last year with regards to their intention to garnish my wages. On top of that, another collection agency, XXXX XXXX, contacted me regarding collection of this debt but it was for a totally different amount. I again sought advice from my bankruptcy attorney who was unable, or perhaps unwilling, to assist. 

I have done my own extensive research on whats going on here. I, along with the Minnesota Attorney General 's Office, have continually asked for ALL documents pertaining to my loan including proof of  XXXX XXXX 's ownership, which has never been provided to me. It is my belief that XXXX XXXX XXXX XXXX XXXX does not have the right to collect on this loan because they can not prove ownership of it. There are several articles regarding this exact issue from reputable sources including the XXXX XXXX  XXXX which I can provide if necessary. 

One more thing I should mention with this situation is I received a XXXX from Bank of America but I can not determine which loan it is associated with ( I had a total of 3 ) and no one from Bank of America could provide me with that information. No amounts or loan numbers correspond to any information I have. If that form is associated with the loan XXXX XXXX is trying to collect on behalf of XXXX XXXX XXXX XXXX XXXX, then I don't see how they can continue to collect. 

As I mentioned I did work with the Minnesota Office of the Attorney General and XXXX XXXX, the person assigned to my case, did a fantastic job but he kept getting the runaround from XXXX XXXX. About a month ago he reached out and suggested I reach out to your office for additional assistance. 

Please feel free to contact me at any of the above contact information provided. Any help will be greatly appreciated.
Product: Debt collection

XXXX XXXX claims I owe {$510.00} for a credit card ; this is invalid. This account should not be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX at XXXX pm, Equifax received a letter from me concerning my credit report. This is NOT a request to conduct an investigation or a request to contact the data furnishers for items on my Equifax credit report and ask them to verify the accuracy of the information. 

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681. 

Account Name : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX Date Opened : XX/XX/XXXX Equifax is in violation with the Fair Credit Reporting Act, 15 USC 1681. Let me further explain. Pursuant 15 U.S.C. 1681 ( a ) ( 4 ), I have the right to privacy. ( I demand these accounts be deleted ). Pursuant 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report does not include information solely as to transactions or experiences between the consumer and the person making the report. ( Ex. Late payments, amount financed, charge-offs, etc. ). Pursuant 15 U.S.C. 1681b ( a ) ( 2 ), A consumer reporting agency can not furnish an account without my written instructions. ( I have never given Equifax permission to furnish any of these accounts ). Pursuant 15 U.S.C. 1681c ( a ) ( 5 ), No consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Pursuant 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), A person shall not furnish any information relating to a consumer to any consumer reporting agency.

I am simply demanding the following accounts to be DELETED from my credit report immediately. The list of accounts, below, has violated my federally protected consumer rights to privacy and confidentiality, according to the Fair Credit Reporting Act, 15 U.S.C. 1681.
Product: Credit card

I had been paying my credit card bill on time with Indigo Credit card. They kept overcharging me and finally they sent my account to a collection agency ( XXXX ) XXXX. I ' m willing to negotiate a fair payment plan with Indigo or Indigo to get this removed from my credit report and I need this is writing.
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 : JPMCB CARD Account Number : XXXX Account Name : JPMCB CARD Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act the following creditors violated my rights under the XXXX XXXX XXXX section XXXX o XXXX states " I have a right to privacy ( XXXX XXXX XXXX section XXXX states a consumer can not furnish an account without my written instructions under XXXX XXXX XXXX, my Discover account, Bank XXXX XXXX, XXXX XXXX, and XXXX XXXX. Looking to have it reflect correctly on my XXXX, XXXX and XXXX account. 

Under the FDCPA, a debt collector XXXX not call any person repeatedly or continuously with the intent to annoy, abuse, or harass them. I received multiple calls from Discover demanding payment from a debt that is now in a charge off state, I need the following accounts removed from my credit asap, because I have every right to fair treatment.
Product: Student loan

I am writing to file a complaint against Fedloan Servicing. My loan was transferred to them after my application for XXXX XXXX XXXX was approved in XXXX of 2021. I attempted to recertify my XXXX XXXX loan plan with them however I believed that my updated payments were not accurately calculated. I submitted my paystub and requested a review of my XXXX XXXX application because I believed my payments were too high. I recieved an email on XX/XX/2021 indicating that my application could not be processed and more documentation is needed but the needed documentation was not indicated. I have not received any mailed letters from Fedloan Servicing and there were no update letters in the portal. I have called several times and waited on hold for upward of XXXX hours.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error on my credit report regarding an account that has been mistakenly mixed with my information. This account does not belong to me and is associated with someone else. It is clear that there has been a mix-up, and I need this incorrect information to be removed from my credit report immediately.
Product: Debt collection

I do not owe the amount that this company is trying to collect from me. I get government assistance for my child care and I have submitted receipts to the owner of the facility and now since no response or contact from her in over XXXX months it was sent to collections in XX/XX/XXXX. I have disputed this debt from day one of me being notified via mail and nothing has been done to correct my credit report or the amount being collected. I have reciepts from the state along with invoices from the provider and my year end statement from the provider that proves I do not owe XXXX that is trying to be collected from me. Every time I try and get a status on this debt an employee named XXXX has refused to provide me with any information on the account and says that I still need to submit proof which I have done. XXXX is the only one that has refused to provide me any information on my case and when I get a " supervisor '' on the line they promise to ask for itemized statements and get back to me which it is now almost XX/XX/XXXX and no update and the promise for itemized statements still is being said but nothing has been sent to me in regards to any thing. I really need help dealing with this company because I can not get any information when I try and contact them because of the employee who answers the phone named XXXX.
Product: Checking or savings account

Three bank accounts have been fraudulently opened in my name on between XX/XX/2021 and XX/XX/2021. As soon as I discovered this, I called each bank and requested them close the account due to fraud. The initial bank, Axos, was opened in XX/XX/2021, I requested closured in XX/XX/2021. However, they did not close it until XX/XX/2021 when I followed up with an email requesting the account be closed, to remove any charges on the account and take steps to remove information from the account. I also asked that they send me a confirmation that I am not responsible for charges on this account. I received an email back stating the following : Account ( s ) were opened on XX/XX/2021 with the information you provided The account ( s ) were closed on XX/XX/2021. 

and A request to remove the inquiries from your credit report has been submitted However, they declined to " agree with the claim that there is or has been identity theft or fraud against the consumer listed above ''. They also did not confirm that I am not responsible for charges on the account. When alerted to the fraud, Axos did not immediately close the account. When further followed up on, they still will not confirm the fraud. 

XXXX XXXX  was the second bank where an account was opened. I contacted them to alert of the fraud, they opened a case and closed the account. Though I still continue to receive account information in the mail, including checks. 

XXXX XXXX XXXX XXXX was the third account fraudulently opened in my name on XX/XX/2021. I have alerted them of the fraud and asked them to close the account. I have been unable to reach anyone in the fraud department. 

Banks are required to confirm the identity of their customer and these banks failed to do so. They should have controls in place to recognize when the customer has not provided the required documentation and then immediately close the account.
Product: Mortgage

NationStar Mortgage has not been able to help us lower our underwater property. they charge us hi fees and are not helpful on the phone. they transfer us from operator to operator. We ask to talk to a supervisor and they always tell us that we are not able to talk to a supervisor. They do not give us a response of how we can lower our principal unless we send them a lump sum amount.
Product: Credit card or prepaid card

XXXX XXXX XXXX am getting XXXX payments through Bank of America XXXX card which I do not like using make of XXXX because always have issue I did not want to use this card because it does not have any safe cards no chips and I am forced to use this card because there's no other way I can get my funds. I had a couple fraudulent transactions on my card I went through all proper channels filed complaints and and then my account got frozen for over XXXX and a half months that was a headache I reported the complaint they sent me a new card and they said that they could not investigate the complaints because my account was frozen but then I got a letter saying that the my complaint was closed because didn't find any evidence of wrongdoing. But why would I get the letter if they're saying that they can not investigate my account because it was frozen. Every time I call they keep telling me XXXX thing after another and they record my calls so there's proof that what I say is going on. XX/XX/XXXX I have XXXX different complaints on XXXX different cards. Claim number XXXX And claim number XXXX. Account ending XXXX XX/XX/XXXX. And also reopen the claim XXXX XXXX .. been such a headache. How can cash be taken out of atm at XXXX location and unless I have a ufo XXXX XXXX to transport me to a different atm that was used in a different town. Minutes apart.. also everytime I spoke to a agent they tell me certain things and tell me a temporary credit will be deposited in my account in XXXX  days. They record the calls so one can pull up my call and interaction with them and it will prove I m getting mislead. Listed on their site that my money and my account are protected and XXXX fraud liability.. False advertisement. I also contacted the local news channel to help me out. I can't get the medicine I need cuz my missing money and I'm on XXXX and I have a XXXX XXXX and major XXXX  issues. I'm not able to get food or basic thing I need for daily living. Bank of america XXXX XXXX cards with no protection. Easy to copy and they need to back up and do what they advertise about XXXX fraud.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Dispite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that the recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. Th lack of accountability and transparency is unacceptable and raises serious concerns about customer safety.
Product: Credit card or prepaid card

In XX/XX/XXXX, I contacted Conn’s customer service to inquire what my payoff amount would be. I was told that my balance was XXXX. I asked if that was the amount I needdd to pay to close my account, and I was told that was correct. I paid the amount within a week.  6 months later in XX/XX/XXXX, I receive a promotional flier from Conn’s that also had in the upper corner a note that said Current Balance : XXXX(this amount may be off by a few dollars).  I contacted Conn’s and asked why the flyer showed I had a balance. I was told that I did not pay my balance before the promotional period was up. I explained that amount I paid was given to me by their customer service rep and that was the amount I paid. They put in a ticket and the manager asked that I call back in one week. I called back about two weeks later spoke to the manager and she told me that the balance was being written off and not to worry.  In XX/XX/XXXX, I start to receive text message and emails stating that I missed a payment. I have not charged anything new so I contact Conn’s to see what is going on. I spoke to customer service and they say they see where the balance was requested to be written off and will put in a ticket.  I have called every week since, and today I am told that they are not going to write it off or do anything about it. The representative is now stating that they have no records of any of the conversations not even the conversations with the manager.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my reports on  XXXX   XXXX  via  XXXX   XXXX  I noticed that my active up to date  XXXX  account was removed from my Equifax report.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of.
Product: Credit reporting 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 15 USC 1681. 
Account names & account numbers as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 16815-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have a collection from Credence Resources Managment Im not aware of I have called today on XXXX XXXX,2024 to see what its this coming from they asking for my date of birth my address my personal information it was very suspicious so I hung up it said I have a debt thats XXXX and its messing up my credits to go down because of this fraud debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX University in XX/XX/XXXX. My loan was for XX/XX/XXXX/XX/XX/XXXX I never attended XXXX XXXX in XX/XX/XXXX I was enrolled but never attended so I dropped the classes but the university still received my financial aid money. I was not a student there in XX/XX/XXXX. Which means I should not owe this company the funds they say I owe them. Then with further investigation this company has not truthfully reported the correct date of my first delinquency to them. They say the last payment I made was in XX/XX/XXXX which is false. They are reporting the wrong dates the credit bureaus and this account is past the time of the 7 years reporting period. The dates and payment times are incorrect and the financial aid money that I never used should have been returned to this lender, I am responsible for paying for services that were never rendered. Where did this money go? I never received a disbursement from this school but on my loan it stated that i received one.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023
Product: Credit reporting

Erased old data being re-inserted. Re-disputing the XXXX XXXX XXXX item ( dispute number XXXX and number to be ) based upon an improper reinsertion per FCRA rules 15 U.S.C. 1681 ( i ) ( B ) ( ii ). This data is affecting my FICO rating for the second or third time. Equifax declined to give me a True FICO score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am disputing some accounts in my credit report but I have not received a response from the bureaus. 

I will attach the letters sent to the credit bureaus.
Product: Vehicle loan or lease

623 15 ( c ) reporting 1561 I had recently been in*2 car accident ( 1 ) year apart and I work really hard to pay off debts for the entire year. My credit score went up XXXX points. But, recently as points of XXXX was reduced and total of XXXX points was removed but, they should have been added instead. I have reached out daily. I spoke with a client that didn't know the difference from an installment loan to a credit card loan. ( considering )!! I receive email alerts that keep me informed of any updates. I was told 3 different times that my points were going to improve by first XXXX points, then XXXX points then XXXX points but instead the reduced them. I just paid off bank settlement with XXXX bank on a XXXX XXXX XXXX after 1st car accident. Only for a customer rep. to misread it and invert the points system and cheat me. After, calling them and notifying them of the error, I was told that they could not see, what I see ( how you guys sent email ). I personally feel attack and discriminated after staying in touch with my credit all the time. I was also decline the larger amount of lump sum of Settlement with XXXX XXXX breach and I was hack by both XXXX, XXXX and XXXX  XXXX. I submitted proof. I receive a settlement of {$4.00} REALLY a SLAP In the FACE Of a BLACK WOMAN