23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

On XX/XX/2017 I went to USAA Financial service branch located in XXXX NC to make a deposit into my savings account. I used their owner operated ATM I believe it was # XXXX located outside of the front door depositing a check in the amount of {$10000.00} the ATM allowed the check to go all the way in the slot but did not seem to take hold of it. I was unable to retrieve it as there was not enough available to remove it so I used an envelope I had to push it in a little more, it then grabbed the check and the envelope moments latter spitting the envelope out. No check the transaction was cancelled by the ATM. I immediately contacted USAA finally after speaking to Deposit Executive Resolution Team was told they would put a rush on it and money would be placed in my account on hold. Today no money was in my account. I called today as was told it would take up to 72 business hours to resolve the issue. I told them this is not acceptable this is an ATM at their financial location owned by them a location they are planning to close at the end of the month and while I was sitting there on Sat other clients told me the other ATM were not working. So it seems they have made a conscious decision not to maintain these ATM 's and I am being punished for their poor maintenance and horrible customer service. the case # XXXX. I asked 4 times to have their security people contact me and have not heard from them I was told by XXXX today that they can not make phone calls??? What ever that means. I want them to preserve the video tapes and all the ATM records I also asked for written records of this claim and was refused I find that highly suspect. 
This issue should have been resolved this AM when the branch opened however I have been told they require 72 hours that is their process. More like abuse.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Notice of Dispute and Request for Correction of Consumer Report Information Dear Sir/Madam, I am writing to bring to your attention several inaccuracies and discrepancies present on my credit reports maintained by your respective agencies, XXXX, XXXX, and TransUnion. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681a and the Privacy Act of 1974 ( U.S. Code 552a ), I hereby assert my rights to dispute and request correction of the information contained within my consumer reports. 

As per the FCRA and Privacy Act, a consumer report is defined as any collection or grouping of information about an individual, including but not limited to their financial transactions, maintained by an agency, and containing their name or other identifying particulars. Furthermore, the law stipulates that no agency shall disclose any record contained in a system of records to any person or entity without prior written request or consent from the individual to whom the record pertains, except as provided under specific circumstances. 

Upon reviewing my credit reports, I have identified several accounts that are inaccurately reported. The following accounts contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX I want to make it explicitly clear that as of XX/XX/XXXX, I hereby revoke any consent, whether it was given knowingly or unknowingly, for the dissemination of my information to your agencies by any of the mentioned companies or entities. 

I demand that you either mark these accounts as paid and never late or remove them entirely from my consumer reports. 

I am giving you a period of 10 days from the receipt of this letter to rectify these inaccuracies. Failure to do so will leave me with no choice but to pursue legal action. Under the provisions of the FCRA, I am entitled to seek damages for each violation, and I will be seeking a total of {$8000.00}, which amounts to {$1000.00} for each violation. 

Please take this matter seriously and act promptly to resolve the discrepancies on my credit reports. Enclosed with this letter, you will find copies of relevant documents for your reference. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX  ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, ERC ( Original Creditor : XXXX XXXX XXXX ), XXXX  ( Original Creditor : XXXX XXXX XXXX ), and XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I was contacted by the company ( IQ Data ) telling me I owed a debt from 1 year and 9 months prior. I explained that I owed no debt because I paid for everything ( rent ). They also informed me that this so-called debt included interest for the length of time they owned the debt yet I was also never notified when they took on this so-called debt. I then decided to disupte this and sent them a letter requesting for them to validate my debt. Included with the letter were 2 proofs of identity. I sent that by certified mail and they received that letter on XXXX XXXX. I waited a little more than a month ( 30 days ) and received no communication or response from them so I then sent a letter for request of removal. Included with that letter were the previous letter, 2 forms of identification, and a copy of the certified mail receipt from the previous letter. They [ IQ Data ] received that letter via certified mail on XX/XX/XXXX. Lastly, I called them on XX/XX/2021, to inquire about the status. They rudely told me that even though they may have received my second letter it wasn't in my file and they don't know when it would be added. I asked about a time frame for the response they informed me that they will settle this whenever they hear back from the original owner of the debt. I then referred to the 30 days for a response within the letter the man asked me where did I get information about the 30 days and told me there was nothing he could do an nobody in the company I could speak with to give me information about the process. After which he said he would put me on hold and then hung up on me. This was all on a recorded line by them.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, and XXXX are reporting inaccurate information on my credit profile.
Product: Credit reporting or other personal consumer reports

After disputing credits that are 7 years and older to be deleted, credit bureau still showing old credit as new and refused to comply with request to take them off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that  XXXX   XXXX   XXXX  are reporting negative information to the reporting agencies. This company is not licensed and bonded to do business in the state of Texas and should be removed immediately from my credit files with the credit bureaus. I have contacted them with no resolution. I am requesting this information be deleted immediately due to affecting my credit.
Product: Credit card or prepaid card

I was alarmed once I reviewed my XXXX, XXXX  and XXXX  credit reports and found that I was reported as having a late payment on the date below on my Best Buy credit card : 60 days past due as of XX/XX/2014 30  days past due as of XX/XX/2014 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it wasn't recorded on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian about reporting a bankruptcy on my credit file. I spoke the bankruptcy court, they informed me they never received a request from experian. Experian is reporting incorrect information on my file. They used second hand company to get incorrect information. I never filed a bankruptcy, I sent a letter to experian asking them to remove all incorrect reporting. They sent a letter back stating verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I pulled my credit report and saw there is negative report in my credit report for delinquent payment for one of credit card XXXX XXXX XXXX in amount of {$3700.00}. Attached the credit report from experian. I never had any card open with XXXX. I have tried to dispute it and Experian refused to remove it from account even though contest show my social security and my information does not match. I really need help to get it clear from my credit so I can get pre approval to purchase house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep sending disputes after disputes and TransUnion keeps saying that the account is accurate and verified! However, they can not show me proof. My name is XXXX XXXX XXXX, but they refuse to update my name saying they can not, I sent a copy of my SSN, ID, and a bill, but they still fail to update my information! I was denied a loan because my name, which is XXXX XXXX XXXX, did not match what they have on their system!!!! When I checked, they had XXXX XXXX XXXX on their system. They are also reporting inquiries that do not belong to me And they fail to remove them. They told me I should contact the credit bureaus and dispute it. When I called them, they told me I should have the company send me a letter when I ask these companies they said they are unable to because they have no information for me. 

This is a violation of the FCRA and is also in violation of requisite METRO 2 Compliant reporting standards. According to the Fair Credit Reporting Act have the right to a fair and accurate credit report, and are required to remove any information that is not true, accurate, and verifiable. 

See Attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I wanted to see if I have good credit to qualify to get a loan for a car. I downloaded my credit report and I seen I have a lot of inaccurate information and unauthorized accounts in my credit report that I dont recall or ever remember me signing any invoice on this accounts .Ive tried writing letters to the debt collectors and contacting the 3 major Bureaus as well to fix this problem.still no resolution.
Product: Vehicle loan or lease

This account is reporting fradulently and incorrectly. I have requested that Flagship furish documentation, proof of ownership, however they did not furnish documentation to prove that this account belongs to me. I was XXXX XXXX at the time of this purchase. 

I have file the FTC report and provided it to the creditor with no result. 

Please have them remove this incorrect and fraudulent information from my account.
Product: Credit card

I have now been sent XXXX notices/letters, which I have attached, from Wells Fargo dated XX/XX/year>, XX/XX/year> and the most recent dated XX/XX/year>. stating " Action needed to process your credit card application # XXXX which I did not apply for. 

I called them each on the first XXXX letters letting them know I did not apply for the Credit card and this was a fraudulent application and to close out the application as fraud and to report back to XXXX and delete the hard credit inquiry, These last letter shows that since XX/XX/XXXX they have ignored my XXXX calls and are still trying to process the fraudulent application
Product: Credit reporting

Credit bureau is in direct violation of FCRA AND FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent out letters on XX/XX/2022 and XX/XX/2022, to the three bureaus trans union, XXXX, and XXXX and still no response. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. 




1. Validate Account XXXX XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.

2. Validate Account XXXX XXXX XXXX Account Number : Please remove it from my credit report.

3. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.

4. Validate Account XXXX  Account Number : Please remove it from my credit report.

5. Validate Account XXXX XXXX  Account Number : Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Mortgage

I applied for a modification wit h US Ba nk, and I was denied because it was stated that we needed to be in the home for  one y ear. We have been working with the lender since  XXXX   XXXX ,   XXXX  . During the process, I was sent a package, and began working with a housin g counselor.  At no time was I told I would not qualify for a program because I had not been in the home for a year. We were considering a repayment plan, but the schedule and the new mortgage payment would have been too much to handle. We continued to work with  US B ank, and on  XXXX  we received an acknowledgement letter for the modification request. Again, it is confusing that we would receive an acknowledgement letter regarding a modification when the denial states they could not offer this to us. Since we have moved into this property, we have had water bills that exceeded hundreds of dollars. We had to file a complaint to resolve the last bill of {$700.00}. There has been an increase in expenses due to this unexpected bill, which inevitably was in error. We have not been credited back for the previous amounts that were paid. We continue to fall behind and need some resolution to help us become current with the mortgage
Product: Mortgage

On XX/XX/2024 I downloaded a copy of the payment history from Mr. Cooper website. As of this date the principal amount applied was XXXX and interest applied was XXXX ( ATTACHMENT 1 ) On XX/XX/2024 I filed a complaint with the CFPB as a direct result of the XXXX  violating the law. 

On XX/XX/2024 Mr. Cooper made adjustments to my account to correct the errors as a result of the cramdown. The interest adjustment as a direct result of the cramdown was from 5.75 % to 2 %. Thus that the amount applied to the principal should have increased significantly. IT DECREASED SIGNIFICANTLY. The post adjustment payment history was downloaded XX/XX/2024. ( ATTACHMENT 2 ). 

Principal Balance On XX/XX/2024 I downloaded the post adjustment payment history The principal applied decreased from XXXX  as of XX/XX/2024 to XXXX Resulting in a loss of applied principal of XXXX 

Interest XX/XX/2024 - XXXX XXXX XXXX XXXX The amount of interest logically decreased. Interest decreased by XXXX. 
The amount applied to the principal should have increased at the minimum proportionate to the decrease in interest. 


Unapplied funds On XX/XX/2024 Net unapplied funds were XXXX On XX/XX/2024 Net unapplied funds were XXXX  Net unapplied funds reduced by XXXX leaving the XXXX still unapplied Escrow On XX/XX/2024 Escrow was XXXX  On XX/XX/2024 Escrow was XXXX Escrow was reduced by XXXX  The payoff quote included and escrow balance of XXXX However, the company reduced the amount in escrow by XXXX without support.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three Bureaus continue to report medical accounts and have not yet provided me with any proof with my signature that shows this is an account I should be liable for. Please assist with removing this as I will seek legal advice.
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. Equifax must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting item as unverified information without providing any proof within the period allowed by law. The item needs to investigate and correct for erroneous reporting in my file and is listed on my credit report. 

XXXX XXXX XXXX  XXXX Balance {$0.00}
Product: Debt collection

I have asked Grant and Weber to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX/TransUnionCredit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX/TransUnion has failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. I need the following inquires to be removed - XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX Inquired XXXX XX/XX/2020 2020
Product: Credit reporting or other personal consumer reports

My rights were violated. A charge off is a certificate of indebtedness and that is income. 
Income can not be reported on a credit report. 

5 USC 552a Per the Privacy Act of 1974 These agencies have continuously violated my request to remove the income off of my credit report causing me immense harm. They stated that they will continue to report the income on my report for XXXX years.
Product: Credit card or prepaid card

This company is a XXXX XXXX posing as a credit card company. Read the reviews/complaints dating back to XXXX  and before. 

Their return address is a XXXX XXXX XXXX Probably located in back of XXXX  in the XXXX.
Product: Mortgage

I became a NACA member with the belief that they could help me " Achieve the Dream '' of home ownership. I worked with them for over a year, doing EVERYHING I was told to do until I finally became " Qualified '' and instructed to look for a home. Found a home and became excited!!! I was given several closing disclosures, and several clear to close notifications beginning in XXXX but never moved to closing to this date XXXX. I went into contract on the property XX/XX/ and the seller became inpatient with the process and no real answer to what was holding up the process, she put the house back on the market. I was instructed to get inspections, structural engineering report ( costly ) and now I've loss the property at no fault of my own. I just don't think it's fair. I've been advised to look for another home but without knowing why I didn't get this one, I'm very discouraged about the whole process. I didn't get a denial just not an approval and the house is not available to me any longer. There has got to be something someone can do to help me. Just to get an explanation would be a positive start at resolving my issues / complaiint. Help me to understand what I could do differently to get a better outcome
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report I've noticed unauthorized fraudulent accounts. Please remove these accounts as they are hindering my ability to obtain credit. Thank you
Product: Credit reporting

EXPERIANXXXX XXXX XXXXACCOUNT SHOWING COLLECTION/CHARGE OFF ( SHOULD BE UNKNOWN ) ACCOUNT INCLUDED IN CHAPTER XXXX BANKRUPTCY FILED XX/XX/2015
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 name XXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX, Account name : XXXX XXXX, Account name : XXXX XXXXXXXX, 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. 1681s-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 informationisinaccurate.
Product: Credit card or prepaid card

An account for {$2000.00} was open with TJMaxx Master Card and {$1800.00} with Walmart fraudulently and never opened by me there after the accounts were used and paid and used and had returned payments and used paid again and payments return I have reached out to providers several times
Product: Debt collection

They have been trying to collect a debt I was never told about by anyone or any company before them. 
I disputed the dept through credit reporting agencies and it was disputed successfully. 
After it was disputed they are now telling me I owe them 4 times as much money. With a new higher balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$8000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$2800.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Credit inquiries on my report that are not from me