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

This is a continuation of complaints XXXX and XXXX. After USAA froze my wife 's and my debit cards. I have repeatedly tried to get them to reinstate them. I submitted my passport, my wife 's passport, my wife 's XXXX XXXX  card, and my military orders via the online account on XXXX XX/XX/2023. They received them. I followed via phone on XXXX XX/XX/2023 and the customer service agent informed me that they have everything that they need but he needed to transfer me to someone else who could reinstate my account. That person asked me a series of questions regarding my income, etc. and said she had everything that she needed and said that my cards would be active immediately. I asked again to make sure and she confirmed that they could be used immediately. I told my wife 10 minutes later and she tried to make a purchase and it was rejected. I tried to make a purchase on my debit card on XXXX XX/XX/2023 and it was also rejected. 

I called USAA customer service again on XXXX XX/XX/2023 ( XXXX XX/XX/2023 where I was calling from -- I'm stationed in XXXX ). They informed me that the cards were still suspended. I asked why I was told they were reinstated and she had no answer. I asked her if the government documents were not enough and she did not answer the question other than to say other information is needed. I asked her what and she said income information for my spouse. I asked for documentation referencing law or regulation stating that she needs more than the government identification that I already provided and said they already sent a letter. I already received that letter but it provided no details and what she told me on the phone news to me about specifics. By the way, that letter was generated after my call on XXXX XX/XX/2023 and my submission of mine and my wife 's government identification documents but seems to have been backdated to XXXX XX/XX/2023 to appear as if I was informed prior to the freezing of our cards. 

The agent claimed that we needed to go online and answer questions. I told her that my wife and I wasted enough time already dealing with this ( it's been almost four days and counting that our cards have been frozen ) and told her I was filing yet another complaint on CFPB. I also told her that I'm the only one with income in the family and gave the information about my income to the person I called on XXXX XXXX. 

Following the phone call I submitted our taxes that we just filed showing our income and sources of income. I am eager to find out if USAA will reject that along with the identify documents we already submitted and claim that we still need to go on some portal. I am taking note of each call and will be exploring options for a civil suit since they are dictating what government documents and confirmation they will accept and how they will accept them, which has no basis in law or regulation.
Product: Debt collection

There is a collection that just appeared on my credit file that is unknown and I believe does n't belong to me. I need to have this matter resolved ASAP. I sent in a dispute but nothing received back. 

Harvard Collection # XXXX for {$140.00} Please help
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Debt collection

while checking my most recent credit report i noticed a a credit company i dont recognize on my report. i never signed a contract with them in person or electronically nor any of there affiliates. can they please show proof where i signed any contract with them
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS ARE REPORTING ERRONEOUS INFORMATION ON MY CREDIT FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX let someone use my name to get an auto loan. This account does not belong to me i have tried to contact the company i have submitted an identity theft report and XXXX XXXX keeps verifying that this account t belongs to me. The account is reporting as closed.i have tried to dispute this fraud the the bureaus but XXXX XXXXXXXX keeps verifying this account. I should not have to go through this the FRAUD is ruining my name. I have a family. i have done everything that i can do i am fed up. XXXX, Transunion and XXXX is not helping my situation
Product: Credit card

Booked flight through Chase XXXX in XX/XX/XXXX. XXXXXXXX XXXX  changed flight by 1 day, so I contacted Chase XXXX to cancel this flight. There was an issue in cancelling the flight, but the Chase XXXX XXXX let me know she would keep working on it and I would get a refund. I have followed up with Chase XXXX at least 5 times throughout the year and talked with multiple supervisors who assured me they would work on my case in getting my refund. The last supervisor I spoke to in XX/XX/XXXX told me she would call me every night for an update even if there was none. She only called me XXXX time and I have not heard from Chase since then. I called Chase XXXX today, XX/XX/XXXX. They said to contact XXXX directly. When I contact XXXX, they say " if you purchased your tickets through a travel agency and the refund must be processed directly by them ''.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXhas violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose. 

The Following inquiry should be removed from my credit profile. 

XXXX XXXX
Product: Mortgage

On XX/XX/XXXX i was approved for a forbearance by Atlantic Bay mortgage once my forbearance period was up ( XX/XX/XXXX ) Atlantic Bay mortgage sent me a partial document for XXXX but when the paperwork went through I noticed the documentation Atlantic Bay mortgage sent me had my beginning balance of {$180000.00} and a ending balance of {$190000.00} so I contacted Atlantic Bay mortgage several times about the error no one cared to investigate my claims so Atlantic Bay mortgage sold my loan to XXXX XXXXXXXX XXXX on XX/XX/XXXX so once Atlantic Bay mortgage told me I had to speak with XXXX XXXXXXXX XXXX about the situation and did I started the back and forth all over again so out of XXXX of my phone calls to XXXX XXXXXXXX XXXX I managed to I person to do some research and she sent documentation of how my mortgage account should be but didn't add it to XXXX XXXX XXXX  system so it still has an error on my account and credit I would just like to have this error fixed i have any documentation needed to assist with this long process. Below I've sent what te account with the forbearance included should appear within the principal balance at the moment it's added on to the principal balance and that's an error. Thanks
Product: Credit reporting

Nothing happened, I sent the info in via mail no reply and the items are still on my report.
Product: Credit reporting or other personal consumer reports

I have found numerous accounts on my credit report that I did not authorize ; pursuant USC Title 15 1681, these accounts need to be removed immediately. I am writing to request immediate federal intervention regarding this unresolved, fraud of identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, Experian Information Solutions Inc., XXXX XXXX XXXX XXXX. The fraudulent accounts remain on my report. This negligence violates my rights under the FCRA and continues to inflict financial harm.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After my chapter XXXX discharge, Transunion is incorrectly reporting accounts that have been discharged, as derogatory witch results in a double negative and a much lower score than the other 2 credit bureau. I have tried to dispute, and they still misreport. Accounts should be listed as closed, included in bankruptcy chapter XXXX.
Product: Debt collection

I contacted this collection agency after viewing a collections account I was unaware of on my credit report. I explained the situation and stated that I was not interested in negotiating but rather would pay in full, pending receipt of notice that the account would be deleted from my credit report. The agency told me that the apartment complex who sold them the debt would have to remove it from my report. After speaking to the apartment complex and credit bureaus and finding this information to be incorrect, I called the collection agency back and explained the situation. I asked the agent to mail me the afformentioned letter, but he was pushing to have the account paid TODAY, which I understand as sales person is a common sales tactic, and likely the only way he will personally yield a commission from my payment. I explained to him that I was the one contacting them and I was interested in paying once I received the letter, regardless of whether it was hand delivered today or I got it next week ... He IMMEDIATELY raised his voice, started talking over me, became very unprofessional in his tone and demeanor and began threatening to take legal action against for for " attempting to barter ... '' Which from what I understand is not only not illegal, but I 'm also not bartering as I legitimately NEVER received a bill for this unknown debt ( charges for an old apartment following a move out ) and only know of it from accessing my credit report. Again, I CALLED, with FULL WILLINGNESS to PAY IN FULL, and was countered with abusive language and lack of professionalism.
Product: Credit card or prepaid card

I previously complained about Bank of America charging a late fee on my business credit card account and got a response from them. What is saw in the response is simply restating the T & Cs of each of the accounts which legitimize the fees but does not address the root cause of how Bank of America makes it very hard to set up auto payments to credit cards to payoff statement balances. The response itself shows that to set up auto payments to payoff statement balances I need to use a completely different process called e-bills which is different from normal bill payment. On top of late fees and checking account fees, I recently got hit by another cash advance fee of {$100.00}. Because of the confusion between bill payment and e-bills that bank of america has I paid the bill twice and my account was overpaid for more than a month and bank of america never bothered to return my money. I used the transfer feature to move my own money ( the overpaid amount ) to my checking account and I was charged a {$100.00} of cash advance fees ( which was not disclosed when I was doing the transfer ). Note that the balance on the credit card account after the transfer was XXXX proving that I did not take any money from bank of america when I did this transfer and it infact was my own money I transferred back. I need to atleast get this money returned to me. I have called the customer service and visited the branch but was not successful in reversing the charges.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, there is wrong addresses names and fraudulent accounts on my credit card report
Product: Credit card or prepaid card

I received a gift card from my place of employment in XX/XX/XXXX as a reward for " job well done ''. I placed the card in my wallet and never used it. I was reminded of the card when I received another gift card from my employer in XX/XX/XXXX so when registering this new card I checked the registration of the card that I received last year only to find that the full value of the card had been exhausted. I contacted the gift card company ( XX/XX/XXXX) to find out why my card now had no value. They provided me a list of charges that were made against the card, charges that I never made. When informing them that I not only didn't make the charges they listed, I made no charges at all against the card. The card never exited my wallet. They informed me that there is nothing they could do and would not refund my balance. When I persisted with the fact that I made no charges against the card I was rudely hung-up on. I called back and spoke to a supervisor who also reiterated that not only does he did not intend to reimburse me for the fraudulent charges but will not look into how this could have happened on their end and also refused to provide me with any information to pursue this problem further myself. The next day I called one of the businesses that charged against my card and they wouldn't help me or provide me with a refund for their products that I never purchased because the charges were made beyond their 60-day policy. They did provide me with the persons name and email address that made the charges with my card. This person is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Email : XXXX. Anything that you can do to help me to recover the large amount of money that was stolen from me would be appreciated.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2021, Discover Financial Services was provided a one-time verbal authorization to run a hard credit check in order to obtain a small personal loan. During this process ( on the same call ), the Discover Personal Loan representative stated that their computer system was down and they were unable to complete my application. On XXXX XX/XX/2021, a hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX XXXX XXXX. 

On XXXX XX/XX/2021, I called Discover Financial Services to resume my application. I informed the new representative that a credit check had already been completed, and they acknowledged this in the affirmative that a second hard credit pull would not be completed. During this call, the small personal loan application was completed and submitted. At no time did I provide my consent to a second hard credit pull. On XXXX XX/XX/2021 ( while on the phone with Discover Financial Services completing the application ), I was alerted to a hard inquiry from " DISCOVER FINANICAL '' by my Credit Monitoring company. After checking, a second hard inquiry from " DISCOVER FINANICAL '' appeared on my XXXX XXXX XXXX Credit Reports ; in addition to the hard inquiry from XXXX XX/XX/2021. 

I contacted Discover Financial Services multiple times via phone to have this resolved, and they maintain that they do not see the second hard inquiry and have refused to issue a correction to XXXX or XXXX. 

On XXXX XX/XX/2021, a, XXXX page written notice to correct was sent to Discover Financial Services at XXXX XXXX XXXX, XXXX, DE XXXX via certified mail. This notice is attached, and included complete credit files from XXXX, XXXX XXXX XXXX with the duplicate hard enquires tabbed and heighted for their review. 

On XXXX XX/XX/2021, Discover Financial Services responded to this notice with a letter stating that they do not see the duplicate inquiry and stated it may be from a promotional offer. This letter is attached. 

As of XXXX XX/XX/2021, There remains XXXX hard inquires from " DISCOVER FINANICAL '' from XXXX XX/XX/2021 & XXXX XX/XX/2021 on my XXXX XXXX XXXX credit reports, of which Discover Financial Services were provided direct, hard copies of in my written communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
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 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXXXXXX, 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. 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( b ), it is illegal to report information on my credit report without my permission. 

Please remove this information from my credit report immediately. 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

SOMEONE WHO HAS STOLEN MY IDENTITY AND HAS PUT A CAR LOAN AND OTHER CREDIT IN MY NAME USING MY INFORMATION AND NOW THE DEBT IS BEING SHOWN ON MY ACCOUNT IS BEING OWED BY THE WRONG PERSON. THOSE ACCOUNT DO NOT BELONG TO ME NOR DO I HAVE ANY CONTRACT WITH ANY OF THE CREDITORS ON MY ACCOUNT.
Product: Credit reporting or other personal consumer reports

Fair Resolution To resolve this matter fairly and in compliance with federal law, I request the following : Provision of Required Documentation : Provide the requested 1099-C form, if it was issued, to confirm the identifiable event of debt cancellation.

Supply documentation verifying the accuracy and collectibility of the reported balance.

Correction of Credit Report : If the debt has been discharged or can not be verified, permanently delete the inaccurate account from my credit report. 

XXXX. XXXX XXXX XXXX As the debt has been charged off and is no longer legally enforceable.

Written Confirmation : Provide written acknowledgment of the actions taken, including an updated credit report reflecting the removal of any inaccurate information.

Timely Compliance : Address this matter promptly and provide all requested documentation and confirmation of resolution within 15 days to avoid further escalation.

This resolution will ensure compliance with federal law, including the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, while addressing the concerns of inaccurate reporting and unmet obligations.
Product: Debt collection

I am still on XXXX  I don't know why they have been charging me I still have a doctor 's note from my primary doctor and XXXX doctor so I don't know why they are charging me should be taken care of from my medical and Medicare thank you so much XXXX XXXX XXXX
Product: Checking or savings account

The following unauthorized charges were debited from my bank account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed a dispute and they did not resolve it. I did NOT make these charges and I want my money credited.