23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

In XXXX my husband received an offer from USAA for 0 % interest for 17 months on balance. We are USAA members -- and have several insurance products through the company -- I was able to join USAA through my husband. I clicked on the link and started to apply. The application did n't state the balance transfer at 0 % so I emailed through our member account and received an email back addressed to me that that was the offer that I had. When I got the card before the balance transfer I called and confirmed over the phone that it was indeed 0 % interest for 17 months. So I did the balance transfer which included a processing fee of XXXX. When I received the bill it had an interest rate of 17.90 percent on balance transfer and a charge of XXXX. Despite confirming in writing and over the phone that that was the offer I had -- USAA now says that the offer was only good for my husband and not me. I plan to transfer the balance out, cancel the card and all other products I have through the company, and had asked for the fee and the interest to be reimbursed. I had only applied for the card for the 0 % interest offer and would like to be reimbursed for the fee and the interest because that is not what I was told via email and phone that I would have for an interest rate. I 've spent several hours on the phone and no one is willing to help me. This is the email I received from them initially confirming the offer : Dear XXXX XXXX, I received your message about an offer that you received, and I will be more than happy to look into this for you. 

If you accept the credit card, you will get 0.00 % until XX/XX/XXXX on purchases, balance transfers, and convenience checks. 

Balance Transfers are considered a Cash Advance. 

Interest Charged on Cash Advances - A cash advance accrues interest from the date the transaction is posted until the date the advance is paid in full. Your first statement shows the posting of the cash advance and the finance charge assessed from the posting date to the statement closing date. Subsequent statements will reflect the finance charge from the statement due date to the date the cash advance is paid in full. Convenience checks, ATM transactions, balance transfers, and overdraft transactions accrue interest daily. 

Since the interest is 0.00 % until XX/XX/XXXX, you will not have any interest until after that for the remaining balance. Each balance transfer and convenience check has a transaction fee up to 3 %. 



We value your business and the opportunity to serve all your financial needs. 

Thank you, XXXX XXXXUSAAUSAA means United Services Automobile Association and its affiliates. 

Message History Expand/Collapse From : XXXX XXXX XXXX Date/Time : Tue XXXX XXXX XXXX CDT XX/XX/XXXXMessageWe received an email stating we could open a USAA Preferred Cash Rewards World MasterCard credit card and have zero interest on balance transfers until XX/XX/XXXX. However, in the online application it says there is no grace period for balance transfers. We 'd only like to apply if there is no interest on balance transfer for that duration. Is there something else I need to do online to access this offer? XXXX
Product: Money transfer, virtual currency, or money service

I have used the ZELLE services through my bank without a problem in the past but lateley is like ZELLE makes is a point now to delay funds to placed them in what they called " limbo '' supposedley for processing, but the company is putting that money on an account to earned interest overnight if not longer days in the interbanking lending process. On or about XX/XX/XXXX I was send money by a relative using my mobiel number, on or about XX/XX/XXXX I learned from my Bank XXXX that ZELLE had derigestered my mobile number, I was told by ZELLE representative name XXXX on XX/XX/XXXX that since I was not able to accept and or see the code ZELLE would send me thogurgh my cell because ask my carrier to i block junk text from my phone and that included all text from unregistered contact, I needed to register my email address and the money would be send immediately to me as if it was my mobile number ; the same representative asked me to asked my representative to cancelled the first transaction which it was done through my mobile phone. At this point the only transaction left was the one send via email. After my relative cancelled the mobile transaction she proceeded to send the money via email wich according to XXXX from ZELLE the money would get to my bank account with XXXX immediately but that has not been the case. I am now told that the process would take 7 to 5 business days instead. I have look into the ZELLE marketing and has come the the proof that ZELLE provided false and missleading information both on paper, the internet and orally. I now have to wait several days to collect that money. ZELLE does not alowed to deregister email address at the customer request according to Mr. XXXX telling that I am out of luck and I was in need of that money for a medical emergency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous requests to tell you that I am a victim of identity theft, and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$710.00} XX/XX/XXXXXXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX  XXXX I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Checking or savings account

I am writing to file a complaint against navy. 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 posting of charges and credits. This issue aligns with the recent CFPB findings against navy federal.For similar practices where transactions settle with insufficient balances, despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this dispute about my XXXX  MasterCard credit card. My score just dropped 101 points on my credit report as XXXX  credit card did not do as we agreed. Due to being laid off from work due to corona virus my job has laid me off. I worked out a agreement with XXXX MasterCard that I will make payments as much as I can till I can bring the account current. I was told it would not be reported to the credit reporting agencies due to the natural disaster. Today I checked my credit score with my XXXX  card and my score went down by 101 points. I am very upset as I confirmed a few times with XXXX MasterCard when I spoke to them that my credit would not be affected and reported as delinquent but it was.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

DEPTEDXXXX XXXX {$3200.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$830.00} XXXX XXXX  XXXX {$360.00} XXXX XXXX  XXXX {$350.00} XXXX XXXX {$17000.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Mortgage

This company is a complete scam, as soon as they cashed the cashier check I sent to them for {$3600.00} on XXXX/XXXX/2016 the very next day I asked them to return my money because I was n't confident they can stop my sheriff sale on time which was set for XXXX/XXXX/2016. When I contacted Core Advisory Group back in XXXX/XXXX/2016 and what made me decided to call them in the first place is the mail advertisement they had sent me saying that I am a plaintiff for a lawsuit against my lender and that they can lower my mortgage payments and stop my foreclosure so I called their XXXX # and I spoke with XXXX XXXX who told me that I had a strong case for them to take on. I even disclosed to her that I am currently in a chapter XXXX bankruptcy and there is also a sheriff sale date on XXXX/XXXX/2016 but she promised me that they can still stop the sheriff sale so I agreed to give them a shot. Once they received my money they referred me to a lady in the name of XXXX which handles bankruptcy and XXXX told me nothing can be done because I am already in a Chapter XXXX and it can not be converted into a chapter XXXX. I told everyone this at the beginning already and they still took my money so I told them on XXXX/XXXX/2016 I want to cancel and my money back. I ended up losing my house because of their false promises and lies that wasted my time and money when I could had used that money to hire someone else to help me. This is a scam and they need to be stopped. I want my money back. I paid these people upfront before they did anything for me. Now I lost not only my house but my money and it is not right that they are allowed to stay in business and prey on people like me. They did not do provide any service for me and they are refusing to give my money back. I need your help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with CNAC in XXXX, LA and there were some legal issues with them and I was required to start making payments to XXXX XXXX XXXX  in XXXX XXXX, LA. I started making those payments to XXXX XXXX on XX/XX/XXXX and since then my credit CNAC has not been posting that my payments have been made. My credit report shows I am 30-59 days late currently and that is incorrect. This still stands are a dispute with XXXX. I have made all my payments in a timely manner. I have all payment receipts from XXXX XXXX XXXX  in email.
Product: Mortgage

i had submitted a complaint and sent info in 2012 against a predatory mortgage but never heard back. it was CitiMortgage, the address was XXXX XXXX XXXX XXXX. we lost that home and no one has ever contacted us, please call me @ XXXX XXXX XXXX. They told us we would be on a priority list.
Product: Mortgage

We refinanced our home, and the first mortgage payment was due on XX/XX/XXXX. Our escrow documents and loan officer gave us the company to which the payment was to be made : XXXX XXXX XXXX ( XXXX ). On XX/XX/XXXX, XXXX XXXX XXXX transferred the servicing to a new company : Amerihome Mortgage ( Amerihome ). 

The loan balance at the time of the refinance was {$690000.00}. After the first payment, the principal balance decreased to {$680000.00}. Amerihome showed no evidence of the first payment made on XX/XX/XXXX to XXXX, so I made an additional payment on XX/XX/XXXX so that our mortgage wouldn't appear to be late. Each month since then, I have continued to make our mortgage payment because Amerihome has not yet reflected the original payment. 

I have contacted both companies, and XXXX provided an accounting showing that the balance that was transferred to Amerihome reflects the original payment. Despite multiple calls, faxes, and letters to Amerihome, there has been no credit to our account for the original payment made on XX/XX/XXXX. 

I sent a fax to Amerihome 's research department but I do not know the date of this fax. I sent a letter on XX/XX/XXXX, to both Amerihome and XXXX. XXXX followed up with a letter explaining the accounting and sent me the documents via email. I sent a follow up letter to Amerihome on XX/XX/XXXX, with all of the documentation from XXXX as well. I have not received any written responses from Amerihome for my inquiries. When I call Amerihome, they assure me that the matter will be resolved, and it never has been resolved.
Product: Checking or savings account

Two transactions in the amount of {$360.00} as well as one credit in the amount of {$360.00} show on my old chase account. There should be two transactions and two credits. The second credit shouldve occurred days after the first. Chase filed a dispute on ONE of the transactions as I stated the other had been refunded. They came back alleging the refund was for the one disputed transaction and refused to acknowledge the 2nd charge on that date. I asked for another dispute to be filed referencing the first claim agreeing I already received a refund for one charge but was looking forward the second and subsequent refund for the duplicate charge. Chase has refused on atleast 5-10 occasions today to open a dispute on the other charge.
Product: Debt collection

I recently received a copy of my XXXX Credit report and notice NATIONAL CREDIT ADJUST is reporting a debt of {$1600.00} which appears to be a fraudulent account opened in my name. I have never done business with NATIONAL CREDIT ADJUST and do not wish to do business with them, i do not wish to have a contract with them, i have never gave permission or authorized NATIONAL CREDIT ADJUST to access my private and personal credit reports, my personal information such as DOB, social, address or phone number. 

I contacted NATIONAL CREDIT ADJUST and spoke with a gentlemen and told him i didn't open an account with them NATIONAL CREDIT ADJUST or whom ever they are collecting for i told him my information was part of the XXXX XXXX breach and someone had to open that account in my name because i never signed a contract, documents, agreements with NATIONAL CREDIT ADJUST, i never signed an electronic agreement, i never sent a scanned copy of my id or social card with them. so they have the wrong person. 

the customer service guy was rude and nasty telling me i need to pay or i will see them in court. he threaten me with court and its not even my account. i asked for all the documents they have saying i agreed to pay them so i can file an identity theft report, when i did the guy hung up on me. I called back and they clicked the phone and hung up again.
Product: Credit card

I filed a dispute on XX/XX/2023 for {$100.00} that was denied today as being outside of Chase 's 118-day policy. As it falls under XXXX 's 540-day policy, I have again asked Chase for information on the 118-day and 540-day policy ( the 540-day policy specifically ) and have been met with multiple agents stating that it is internal, that they can provide no further information, etc. As a cardholder, I need to understand the policies and guidelines that Chase follows, and it needs to be in writing. There is absolutely no reference to the 540-day policy on my statement nor in my Cardholder Agreement. When speaking with XXXX in the XXXX XXXX Disputes Department, he stated multiple times, extremely offputtingly, that he can not provide any further information and being fully unhelpful. Case is XXXX.
Product: Credit card or prepaid card

I have spoken to many agents and supervisors and because public records says that my phone number does not belong to me nothing I was told is happening. On XX/XX/XXXX I was approved for a credit card. I was told it would be here in two weeks. On XX/XX/XXXX it is still not here. I called to find out what is going on. I was told that it was mailed on XX/XX/XXXX. That is four days after I was approved. A supervisor offered me a second card but because public records state that my phone number is not mine they will not send it. Public records does not keep up with every little change that happens. I do n't even have my card yet and already I am thinking about closing the account. I is stupid that you use a system to verify someone that is not up to date. I should not have to suffer due to something that is not my fault. Information that is put on an application is what should be verified not public records. I do n't even have my account number to do anything with.
Product: Payday loan, title loan, or personal loan

I contacted them by email to stop ACH and they said they couldn't without a different payment source. The interest rate is over 400 % and they won't let me set up arrangements.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681 ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the accounts listed below. These accounts are not accurate or correct. I would also like for the bureaus to provide the procedure used to verify these inaccurate items. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX ( XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX Account Name : XXXX XXXX XXXX ( XXXX ) Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC XXXX Balance Owed : {$6200.00} US DEPT ED XXXX Balance Owed : {$2800.00} US DEPT ED XXXX Balance Owed : {$6200.00} USDOEXXXX XXXX US DEPT ED XXXX Balance Owed XXXX {$2300.00} DP OF EDUC XXXX Balance Owed : {$3900.00} US DEPT ED XXXX Balance Owed : {$3000.00} DP OF EDUC XXXX Balance Owed : {$2400.00} DP OF EDUC XXXX Balance Owed : {$590.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX