23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

USAA BLOCKS CONSUMERS REPORTING FRAUD FOR UNFAIR FINANCIAL GAIN by " CREATING *new accounts " AND " LEAVING *not resolving fraud " CONSUMERS ARE LIABLE FOR FRAUD. My Complaint is Against USAA ID THEFT POLICY. I reported Ideninity Theft see attatched CLAIM DATE XX/XX/XXXX {$470.00} CREDIT CARD FRAUD CLAIM letter dated XX/XX/XXXX INVESTIGATION COMPLETED PROVISIONAL CREDITS MADE PERMANET. Statues Require Fraud Resolved in 2 billing periods is Ignored. USAA HAS NOT PROVIDED PERMANET CREDITS FOR THIS FRAUD YET. I COMPLAINED XX/XX/XXXX NO CREDITS PROVIDED YET. I was sent to the ID THEFT DEPT spoke to XXXX who claimed he made a report. Suddenly, * After our Convesation USAA REFUSED TO AUTHENTICATE ME NO ACCESS TO ANY DEPT REQUIRING I REBUILD MY PROFILE BY SENDING A DRS LICENSE. ** Kindly Note I DISCOVERED I DID NOT OPEN THIS ACCOUNT. I DID NOT SEND IN MY LICENSE. USAA EVENTUALLY GAVE ACCESS AGAIN. see attatched 1099-C CANCELLATION OF DEBT IRS MC XXXX Kindly Note CLEARLY STATES BOX 5 Borrower " WAS " Personally Liable XX/XX/XXXX. USAA DID NOT CLOSE THIS ACCOUNT REPORTED IT DELIQUENT AND SOLD IT. ** THIS OPENED NEW ACCOUNT MC end XXXX FRAUDULENTLY & Visa XXXX XXXX FRAUDULENTLY. XX/XX/XXXX I am able to be Authenticated again AFTER USAA ID THEFT BLOCK WAS PREVIOULY IN EFFECT and I call in to ID THEFT TO REPORT MC end XXXX Explaining to XXXX Usaa Rep all the above I DID NOT OPEN THIS ACCOUNT and I am told to call back to another deptment. I CALL XXXX WALL!!! I call back and I AM UNABLE TO BE AUTHENTICATED ONCE AGAIN REQUIRING ** I SEND MY DRS. LICENCE ON AN ACCOUNT " I did NOT OPEN " Some old fraud was just paid by usaa XX/XX/XXXX {$460.00} AFTER THIS ID THEFT ACCOUNT IS DELIQUENT as the XXXX Account. USAA BLOCKS CONSUMERS RESOLVE OF THEFT AND CREATES MORE THEFT OPENING FRAUDULENT ACCOUNTS See attatched ID THEFT case XXXX USAA COLLECTS ON THIS BLOCKED ID THEFT ACCOUNT ILLEGALLY. IT WAS ILLEGALLY OPENED USING MY PRIVATE SECURE DATA OF ACCOUNT CLOSED CANCELLATION DEBT MC end XXXX XX/XX/XXXX. They need Drs License??? They know I DID NOT OPEN.
Product: Credit card

On XXXX/XXXX/2015 I mistakenly made a balance transfer from Bank of America to XXXX ( {$2400.00}, {$3100.00} ), I payed off the balance in full immediately when I found this out, however Bank of America charges so many fees for this transactions. 

XXXX/XXXX/2015 MINIMUM INTEREST CHARGE $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/XXXX INTEREST REF BT XX/XX/2015 $ XXXX INTEREST CHARGED ON BALANCE TRANSFERS $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE $ XXXXXX/XX/2015 BALANCE TRANSFER TRANSACTION FEE {$73.00}
Product: Credit card

I accepted a credit card off for the Barclays XXXX XXXX. The initial disclosure provided to me indicated a promotional rate of 0.00 APR on purchases ( 6 months ) and balance transfers ( for 15 months ). Upon receiving my card the disclosure provided did not reference the promotional rate on the balance transfers, therefore I called the company to discuss and was told the promotional was only on purchases. Therefore, I submitted a complaint through the bank 's website on XXXX/XXXX/15. After several back and forth responses and a letter received, it was still being indicated the promotional rate is only on purchases. As already expressed this is not what was initially disclosed to me and therefore this is deceptive to me as a consumer as I made a credit decision based on the initially information provided to me that appear to be false. I have provided the link below that provided the terms and conditions of the card that included the promotional rate of balance transfers. My other concern is what other deceptive practices might the bank be conducting. 

https : //www.barclaycardus.com/apply/Landing.action? XXXX & XXXX : //www.barclaycardus.com/app/japply/lp/TnCs.jsp? XXXX
Product: Debt collection

The debt collector called family members, when he wasn't able to get ahold of me. He told them he was attempting to collect a debt, which was very embarrassing to me. All of this was after I requested validation of debt, which I never received
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding unresolved disputes on my credit report that have not been investigated or corrected despite my repeated attempts. I have filed multiple disputes with the credit bureaus regarding inaccuracies, yet the information remains unchanged and continues to negatively impact my credit score. I am requesting immediate assistance in resolving these issues.

Specifically, I have disputed the following accounts, but they still appear on my credit report : XXXX XXXX  - {$10000.00} XXXX XXXX XXXX - {$7000.00} & another for {$4000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$5000.00} Plus many more! 

These disputes have been open for several years, and despite my repeated efforts to have them resolved, no action has been taken to correct these entries. These accounts are inaccurately reported and have significantly affected my financial standing. I believe these entries are the result of errors or other factors that should not be affecting my creditworthiness.

I have followed the dispute process with the credit bureaus multiple times, and each time, I have been assured that the information would be investigated and corrected. However, despite these assurances, I continue to see these negative entries reflected on my credit report, and I have not received any meaningful updates or resolutions.
Product: Payday loan, title loan, personal loan, or advance loan

I received an online offer email from mariner in 2021 for {$5000.00} I was approved for {$2500.00} on line, over the phone and the money was deposited in my checking account. The next day the local XXXX office manager called me with an offer for {$500.00}. I requested she use the previous credit pull she could not use the online credit score. So, I go to Mariner Financial in XXXX XXXX for the {$500.00} dollar offer, my credit was pulled again, because again they refused to use the online credit pull from days ago. XXXX XXXX XXXX Mariner customer service was extremely poor. Now, Ive paid ahead {$1000.00} and receive an offer for {$10000.00}. So, I go to the XXXX XXXXXXXX XXXX office. Again, my credit was pulled, and I was merely offered the {$1000.00} I had paid ahead towards my monthly installments. XXXX is duping customers with promising offers, pulling credit unnecessarily and loaning me my advance payments towards my monthly installment payment.
Product: Credit card or prepaid card

I was notified XX/XX/21 that my LOCKED CITIBANK master card was used by XXXX and later 2 monitoring companies. The date of charge was XX/XX/21 for {$99.00} for a foreign company by the name of XXXX. This same company fraudulently charged the same amount last year and I locked the card because CITIBANK would not provide a permanent credit for an unauthorized charge. 
I have all the documentation which exhibits clearly demonstrate this was fraud. They ended up charging me back again. Finally, after several months, they permanently removed the charge notating the fraud. 
I contacted the bank 4 times on XX/XX/21 and experienced terrible customer service. The reps are difficult to understand due to language barrier. I was blamed for this foreign fraudulant company having my information. After getting the run around with Customer Service ( only one name I could understaned " XXXX '' she placed me back on hold and I went into the quue again. Finally got to the SECURITY DEPT. and spoke with a man named XXXX. He gave me a very hard time even though I was calling from the registered phone listed with the bank and answered all security questions. There was a language barrier with the last name of my first best friend ( secret question ). I gave my SS number and all personal information. It was awful. He focused on that more than trying to put a stop to any more charges on a LOCKED account. I explained to all the people that this exact vendor did the same thing last year wihtout my permission. This is fraud and they allowed it on a LOCKED card. I am now stuck with a charge that I will not pay. They still have not followed up and do not believe they will take any action. I need a permanent reversal of the {$99.00} from XXXX and my card be LOCKED. I do not give permission to have any charges go through.
Product: Checking or savings account

It was an unauthorized transaction in the amount of {$530.00} that happened on XX/XX/2021 at XXXX. I filed a complaint with current and they denied my claim. Stating that I was the one who did the transaction and I was not aware of that transaction.
Product: Credit card or prepaid card

The last XXXX of the card is XXXX. The last XXXX of the new card is XXXX. 

Citi is still charging me {$230.00} for a charge I disputed on XX/XX/XXXX. I called and their representative told me that I wont get a credit until the investigation is complete which is not in compliance with federal law. Im supposed to receive a temporary credit while its being investigated. 

The representative also gave me a non-existent phone number to call to escalate the issue to. The number she gave me was XXXX which is not a valid phone number. 

I would like an immediate permanent credit as citi violated federal law by not providing a credit while a fraudulent charge was being disputed.
Product: Payday loan, title loan, or personal loan

I was contacted by the company Better Day loans, out of XXXX California on XX/XX/XXXX after XXXX EST. They said I had filled out an application, and did I want to proceed. I told them that I had not filled out an application, and that they should remove me from the system. 

I asked for a manager to make that request, who then asked for my social security Number. I told him no, I then asked for his name ( He gave it as XXXX XXXX ). He then said they would cancel all my info and send it to an email. He wouldn't tell me the email, so I could not verify if they were even stripping out my information correctly. 

My phone captured their information as : Response Team XXXX XXXX XXXX XXXX , XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX , OK XXXX
Product: Debt collection

I have never been a tenant at XXXX XXXX or Carter-Young.  The account and debt collection does not belong to me. This has been on my credit report since XXXX and Ive been disputing it ever since. This false debt collection has hindered me from being able to get an apartment in XXXX.
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX WE EFS XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint against Mavy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged postings of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

On XX/XX/year> I received a loan summary and payment booklet from Fifth Third Bank. It had the name of : XXXX XXXX XXXX with my address. We do not know anyone with this name. 
Account number : Loan amount : {$50000.00} Term : XXXX months Monthly payment : {$850.00} First payment due : XX/XX/year> I called Fifth Third Bank at ( XXXX ) XXXX on XX/XX/year> and was told I needed to file report with the USPS. Which I did. Then I asked to speak to a supervisor and was told someone would call me back. No one did. 
Called on XXXX XXXX spoke with a supervisor named XXXX who said I needed to call Headquarters at XXXX to get my issue resolved. I called the number five times and there was a recording that said no one was available to take my call. I called again on the XXXX. Same recording. I then called the XXXX again with no resolve. 
My husband then called the XXXX number on XX/XX/year> put in the account number and put the last four numbers of my social in and it was associated with the account. He then spoke with a supervisor after two times calling and they stated it will be turned over to fraud accounts and we will be notified in three business days. We havent heard anything yet. My husband and myself have placed freezes on our credit reports. I was unable to freeze my report with XXXX. I did call but it is Presidents day so will try back tomorrow. I have tried to do everything we can think of to protect our assets. This is a very frustrating process which has taken numerous calls and we still do not know if it has been resolved.
Product: Credit reporting or other personal consumer reports

I filed a dispute on account number XXXX, XXXX XXXX XXXX due to me not being liable for this debt because I don't have a contract with XXXX XXXX XXXX. I requested the original contract with the company. Experian denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against Experian. They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a home. Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX , this is not a third party filing this dispute. I have notice several Violations on my consumer report be done by the following credit reporting agencies. Experian, XXXX and XXXX. This is a major violation of the FCRA and I demand that these inaccuracy be remove and updated Immediately. Please see attached documentation.
Product: Checking or savings account

On Monday XX/XX/XXXX, I received an email from Navy Federal Credit Union, stating that a new member to member transfer account had been established. I immediately called the credit union and the first person I spoke to asked if I had just applied for a loan. I said no and she said  she was transferring me to the fraud department. The next person I spoke with told me that my {$1500.00} from my checking had been transferred to this new account, and unfortunately once the money was transferred to the account, it was immediately transferred out so they couldn't get it back. I pay most of my credit cards through bill pay and also ACH transfers. NFCU closed my  accounts and reopened them. they also told me I was not liable. They told me they would give me a letter to send to my creditors explaining that my accounts were compromised. As of today, I still have no letter for my creditors, I have had several credit cards that had their limits drastically cut, because of my payments being returned ( because accounts were closed ). All of my money is gone!!! NFCU says I will get it back after they resolve the fraud complaint. I want a letter for my creditors now!!!! I am racking up late charges and also returned payment fees, because NFCU closed my account and the bill pay service sent me letters saying I need to bring my account current. I called NFCU on XX/XX/XXXX again to ask about getting a letter or to have them fax a letter to my creditors and was told because not all of the creditors were paid through billpay, that they wouldn't be able to help with those and that they wouldn't reimburse fees. My credit standing is dropping, all because NFCU can not, or will not give me a simple letter to give to my creditors stating what happened to my accounts and that I am not just late on my payments!!!!! I AM A VICTOM OF FRAUD!!! and NFCU is not helping me ... .because if them, I have no proof to give to my creditors ... thtey have to take my word for it ... .and in this day and age, we all know they just figure I am some deadbeat who can't pay their bills, and giving them a story!!!! All I want other then my money back is to get a generic letter to give to my creditors letting them know I was a victim of theft, that my accounts were compromise, NFCU closed them and reopened them, bills were scheduled to be paid through bill pay and ACH, and they were all returned, because of this!!!!! And ask the creditors to forgo fees and charges pertaining to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my Equifax, XXXX, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting

I disputed my account showing late pays - the account has been paid off and the late days that were reported were suppose to be removed due to an agreement I made with XXXX in exchange for paying the account off. I also do not agree with the XXXX late pays that are shown on all XXXX of my reports. I have asked for documentation and that has not been provided. the account is paid and closed- I would like the late fees removed as agreed per telephone conversation.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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. 


XXXX XXXXXXXX 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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX  XXXX  ( XXXX ) - ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.