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

Dear Sir/Madam : I have been a USAA credit card holder since XXXX and have always maintained my account in good standing. When paying my account, I usually open the USAA app on my phone and make payment on my existing balance. However, a few months ago, I decided to open one of the statements and noticed that my APR is currently 20.15 %, which it has never been. I then decided to go back at least 14 months and see that my APR was originally at 15.90 %, and has increased almost every single month over the last 14 months. This is not legal. In all of my life having credit, I have never witnessed any credit card issuer raise the rate on a monthly basis, unless there was some other issue such as a cardholder being late, which is not the case with me. 

Under the Credit Act, I am aware that a creditor must inform its consumers of any rate change at least 45 days in advance among other requirements. Since there has been a rate increase almost every single month for over 14 months, there is no way that I could've received the required 45 day notice as required under the Federal law. 

Therefore, I reached out to their customer service and then escalated to their Executive office. Although I have not had an opportunity to speak with the person who is handling the matter due to us missing each other on the phone, his name is XXXX and after several missed calls, he sent me an email dated XX/XX/XXXX, saying that the inquiry has been resolved. 

His email ( attached to this complaint ) says that on XX/XX/XXXX, changes to your credit card agreement were sent and that page 2 states that if your APR is variable, it will vary with the market rate based on the Prime Rate. This still doesn't hold water. This is a violation of the XXXX XXXX. Here is the breakdown of the interest rates for each month since XX/XX/XXXX : XXXX XXXX -- 15.90 % XXXX XXXX -- XXXX XXXX XXXX -- 15.90 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.15 % XXXX XXXX -- 16.65 % XXXX XXXX -- 16.65 % XXXX XXXX -- 17.40 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.15 % XXXX XXXX -- 18.90 % XXXX XXXX -- 19.65 % XX/XX/XXXX -- 20.15 %
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the re-insertion of accounts on my credit report that were previously disputed and deleted. These accounts have been reinserted without the proper notification or communication as required under the Fair Credit Reporting Act ( FCRA ), specifically, 15 U.S.C. 1681i ( a ) ( 6 ), which mandates that a consumer reporting agency must notify me when an item is reinserted into my credit report.

Furthermore, I believe this action may violate my rights under 15 U.S.C. 1681b, which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
For your reference, I have attached a partial copy of my credit report showing the erroneous accounts that have been reinserted. 
I kindly request that the CFPB investigate this matter to ensure compliance with these regulations and to uphold my rights as a consumer. I appreciate your attention to this issue and look forward to your prompt response.
Product: Debt collection

XXXX  IS REPORTING FTC VIOLATIONS STATED : XXXX/SOURCE RECEIVABLES M {$1100.00}
Product: Credit reporting or other personal consumer reports

I have been trying to fix my credit, I sent out multiple letters to Experian, Transunion, and Equifax but they are not complying with 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681c ( c ). They routinely and uncritically accepts the original furnishers response to the disputed information, even when that response was improbable, and fails to remove and reinserts errors on reports, threatening consumers ' access to credit, employment, and housing. Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$10.00}, XXXX past due as of XX/XX/XXXX. Original balance {$15000.00}. It is obvious that the Original balance, the written off amount and the past due bal do not correlate. This is my XXXX attempt to have this inaccurate information deleted from my credit profile. 
" I am now requesting proof of the previous investigation. I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this account amount is correct, if you can not provide me with this information in 15 days delete this account from my credit profile and send me a copy of my updated credit report.
Product: Debt collection

Someone in the XXXX Texas area is opening accounts under my name for electric services and cable ... i have all ready call the collection depts and the companies. also called XXXX XXXX and XXXX of what is happening ... .the only identification i get is when they already did the damage and hear it from debt collectors ... .Dont understand why it keeps happening if someone is using my SS number.
Product: Student loan

MOHELA charged me two months worth of payments without a billing statement until XXXX. The billing statement received showed a past due amount and a current due amount although my account was claimed to be in administrative forbearance until the end of XXXX. I received a message that my IBR Application could not be approved due to parent plus loans not being eligible though they could be eligible if they were consolidated. All of my student loans are consolidated and have been since before applying to the SAVE plan. I also do not have Parent Plus loans on my account. The only way to contact MOHELA is via phone number which they do not answer. There is no email or alternative method.
Product: Credit card

I am reaching out to you in the hopes that I can get the help Ive been seeking for months. In XXXX and XXXX, I was scammed out of a substantial amount of money by someone I thought I could trust with the promise that they would pay me back. Instead they latched onto various accounts of mine, and wrote me fraudulent checks to make it seem like they were paying me back. I spoke with a member of chases staff on this in XXXX or XXXX, but they didn't seem interested. I also disputed the charges with XXXX, but they told me that they can't fix it and I just have to pay back the {$26000.00}. I did close out my bank accounts and create new banking information and filed a police report with the XXXX Police Dept. I am hoping to get some assistance on this, since none of this is like me and I'm hoping my credit and my name can be cleared
Product: Debt collection

XXXX XXXX XXXX  SOLD my DEBT to this Company. THEREFORE is NO longer MY DEBT. I DID NOT ENTERED A CONTRACT WITH THEM. THEREFORE IT NEEDS TO BE REMOVED FROM MY CREDIT REPORT.
Product: Bank account or service

Good morning, I have had an account with Navy Federal Credit Union ( NFCU ) since XXXX. During the past 10 years I have experiences unethical and unprofessional business practices by all " customer support '' representatives affiliated with NFCU to include but not limited to, Debiting debt Payments from a youth savings account without permission or notification, allowing loans and credit cards to be opened without my consent or knowledge, especially XXXX which was specifically granted during a XXXX when they were required to reduce interest rates for pre-Mobilization debt, Harassment of my Family, and friends to strong arm me into paying debts and now crediting debt to prevent me from closing my accounts and formally ending my affiliation with NFCU. I have spent several years repaying debts to NFCU properly and responsibly as to be a good citizen and not declare bankruptcy as I have seen others do to avoid paying their debts. However, today when I have no reported debts remaining on either my credit report or in any statement for the last 3 years, NFCU has informed me there is an outstanding debt of {$58.00} on my Share-Savings account from XXXX which I have never received a bill or can find any proof of in either online or paper statements. I only have a message from NFCU, via their website, stating the account has a debt, which also does not show on the site. I have attempted to proceed honorably with NFCU ; however it seems they are unwilling to let me sever my relationship with them without taking another pound of flesh. I have decided to fight this claim as a line in the sand that I will go no further. I 'm hoping this will help build a case against NFCU 's unethical and unprofessional business practices and prevent them from doing this to others. 
XXXX ( XXXX ), XXXX, XXXX XXXX XXXX
Product: Checking or savings account

ON XX/XX/2024, I NOTICED SOME UNAUTHORIZED CHARGES ON MY BANK OF AMERICA ACCOUNT. TOTALING {$5400.00}. I OPENED A CLAIM AND 9 DAYS WENT BY AND THEY CLOSED IT WITHOUT THOROUGH INVESTIGATION. THEY DIDNT REACH OUT TO COMPANY INVOLVED AND CLOSED MY CASE DUE TO " PREVIOUS HISTORY '' I DID NOT MAKE THESE TRANSACTIONS OR AUTHORIZE ANY XXXX TO DO SO & I DONT HAVE ANY ACCOUNT WITH THE COMPANY WHICH TRANSACTIONS WAS MADE TOO. I CALLED TO REOPEN CASE & ASKED FOR AN EMERGENCY PROVISIONAL CREDIT DUE TO RENT BEING DUE AND THEY STATED THEY DONT PROVIDE PROVISIONAL CREDITS WHEN THE AMOUNT IS OVER A CERTAIN THRESHOLD. THIS IS A FRAUD CASE PLEASE HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a very hard time with the following XXXX XXXX ACCOUNT XXXX, reporting incorrectly on my credit report. This erroneous line item is causing a DRASTIC reduction in my score unfairly. 

I have called XXXX XXXX numerous times, and they keep telling me that they do agree I paid the account in Full by XX/XX/2017. Then they say that same day it went to Charge Off Status. Why would it go to charge off, after I paid the  balance to XXXX? this is causing it to incorrectly report as a paid charge off, depsite them admitting I paid the bill entirely, on time. Then they say they will open an internal dispute, and nothing ever happens. I want this line item to read, never late, paid as agreed. This should not be a charge off in any way. I try to dispute it with the credit bureaus, However they are failing to take action on the line item and either remove it, or edit it to show paid as agreed. In summary I was NEVER LATE on this account, and I paid it in full. If XXXX XXXX wants to close the account at their discretion - FINE, but that does not have ANYTHING to do with false reporting. 

Please see the following facts 1 ) XXXX XXXX XXXX continues to say {$340.00} was charged off. However that is false. I included my bank statements to show when payments were debited from my account. They will now admit by phone I DID pay the balance in full at XXXX PM on XX/XX/XXXX. At this time when I called to make the payment, NOTHING was mentioned about a chargeoff or account closure. 

2 ) XXXX XXXX XXXX WAS NEVER CHARGED OFF, it was paid in full on XX/XX/XXXX. How can you charge off {$0.00}? Please, I kindly ask you to review the payment information below. Its reporting wrong and causing me denial in credit unfairly.. 

3 ) They even report FP = Failure to Pay. How can this OBVIOUS mistake continue to report. There is an FP reporting for XXXX and XXXX, but CLEARLY, you can see a payment was made in both of those months. Attached below is my bank statement showing the payments. Furthermore how can it be an FP, if the balance is {$0.00}?! There was a balance in XXXX, if I failed to pay, then HOW DID THE BALANCE GET TO {$0.00} XXXX XXXX Account # XXXX was never charged off. It was paid satisfactorily with {$0.00} balance, BEFORE chargeoff I kindly ask if you can please change the status to correct it, and show as CLOSED/PAID SATISFATORILY or PAID AS AGREED, CLOSED or PAID/CLOSED ( or something like that? ). The chargeoff is ERRONEOUS, and hurting my score unfairly. 

I appreciate your help.
Product: Credit reporting or other personal consumer reports

Motion to Withdraw and Status conference on Dismissals Inbox Mark XXXX XXXX Attachments XX/XX/year>, XXXX to me The court has set the Motions to dismiss for a status conference on XX/XX/year>. I have attached a copy of our Motion to withdraw and the notice of hearing to this email. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXX XXXX XXXX  You filed your own motions to dismiss in the lawsuit and the XXXX  XXXX bankruptcy. The Court has set those motions for hearing on XX/XX/year> at XXXX XXXX. You need to attend that hearing. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Direct Line XXXX Fax XXXX XXXX I AM DISPUTING THIS BANKRUPSTY THROUGH TRANSUNION XXXX XXXX THERE IS ERRORS AND IT WAS DISMISSED NEVER WENT THROUGH WITH THIS DELETE THIS IS A EMAIL FROM MY LAWYER
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the cfpb on XX/XX/2021. On that date I had advised that I pulled my credit report on XX/XX/2021 because Im in the process of purchasing a home and as my lender was going over my report I have notice SEVERAL inquiries not belonging to me. I sent all 3 credit bureaus ( XXXX XXXX and Equifax ) a unauthorized credit inquiries removal with all of the INACCURATE inquiries that needed to be removed. I advised them that I have reached out to the companies in question and they advised that they had no information regarding who I was or any information regarding how they obtained my credit information. They advised me that it was NOTHING that they could do because they have no available account information or information how the inquiries were obtain and needed to reach out to the 3 bureaus that is reporting the information. It took them all 3 bureaus less than 30 days to advised that the information received is going to maintain on my credit report for 2 years with no proof of my name or any signature after me asking for proof of such claim. There has been no resolution. I have also sent a letter from a company advising that the inquiry was in due to fraud and they did not open up an account. The bureaus have yet to RESPOND. Now I am wanting to file another complaint so that I can move forward with the home buying process. Thank you. 
Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am reporting ongoing challenges I have encountered while attempting to update my personal information on my TransUnion credit report. Despite multiple attempts through various channels, the incorrect information persists on my credit report. 

Here is a summary of my efforts to rectify the situation : 1. Dispute Online : In XX/XX/2024, I submitted a dispute online via the TransUnion website to address the inaccuracies in my credit report. 
2. Certified Mail Correspondence : XX/XX/2024 : Sent the certified letter ( XXXX XXXX Receipt Number : XXXX ) detailing the discrepancies and providing supporting documentation. 

XXXX. Email Correspondence : On XX/XX/2024 I also sent an email to " XXXX '' requesting that they update my personal information to reflect the correct details. 


Despite these concerted efforts, the inaccuracies persist on my credit report, adversely affecting my financial standing. 

Enclosed with this communication, please find : - Copy of the certified letter sent to TransUnion.

- Copy of my ID.

- Copy of utility bill as proof of my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account number XXXX Account status Open Date opened XX/XX/2021 Account type Auto Loan Paid Off : 2 % Balance on XX/XX/2021 Loan Amount {$89000.00} {$92000.00} Payment Info Status Current, was past due 30 days Status date XX/XX/2021 Past due amount - Original loan amount {$92000.00} Monthly payment {$1400.00} Late payments XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 - - - - - - XXXX On Time My family has been afflicted with XXXX several times. I still managed to make my payments. VW posted my payment late but I paid before the 30th day. 
XXXX XXXX credit card was paid off, then posted interest of XXXX dollars and did not notify me and this was after the card was closed. 
XXXX is completely paid in full and I never received any bill or notification that my bill was due. 
XXXX also reported late inaccurately even though I notified them that I was quarantined with XXXX. 
XXXX XXXXXXXX report of a late is inaccurate. I paid before the 30th day. 
XXXX did not update my report on my XXXXXXXX XXXX  account to reflect a XXXX balance after I paid in full before XXXX report. Also report of payment is missing for XXXX, XXXX and XXXX, all paid on time! 
I disputed the late payments on my prior student loans because I was displaced during a federally declared disaster. Still not updated. 
During the months I had XXXX and when my family did as well we were quarantine so I could not do anything until I was well enough to talk and go to my bank. 
XXXX ; XXXX reported late payment. Payment wasnt late and XXXX XXXX updated. Please see XXXX for accurate information. 
As Americans navigate this declared disaster none as Covid 19 it just seems reasonable to grant some grace to consumers who are earnest. Ive been sure to pay all my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

06 XXXXOriginal creditor: 06 XXXX  201$XXXX0% paid offXXXXCollection openedXX/XX/XXXXAccount typeCollection AccountBalanceLoan Amount$XXXX$XXXXPayment InfoOriginal loan amount$XXXXBalance$XXXXUpdated onXX/XX/XXXXContactXXXX XXXX XXXXXXXX, MAXXXX(XXXX) XXXX-XXXXXXXX XXXX XXXXOriginal creditor: XXXX XXXX XXXX 201$XXXXPayment InfoStatusCharged off as bad debtUpdated onXX/XX/XXXXPast due amount$XXXX$XXXXMonthly payment-Late payments-santander XXXX  reporting inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I appealed to my lender to reverse the first and only 30 day late reported on my credit report ever! I explained that it was the fault of my broker, and I hoped they would understand and that I would comply with any stipulations they might require in order to move forward.
Product: Credit reporting or other personal consumer reports

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I called Experian to correct the incorrect information on my credit report as a result the correct information was updated XXXX and a few days later the incorrect information was placed back On XX/XX/XXXX I looked at my credit report again and it was reversed back to the incorrect information so I called Experian again and again it was updated XXXX and a few days later the incorrect information was placed back on the report On XX/XX/XXXX I called Experian again about the incorrect information and again it was updated XXXX and a few days later the incorrect information was placed back on my credit report On XX/XX/XXXX I called Experian again about the incorrect information on my credit report and again it was updated to the correct information and again a few days later it was back to the incorrect information and now as of XX/XX/XXXX my credit report is no longer available online
Product: Credit reporting or other personal consumer reports

In continuation of my prior communication regarding the disputed late payment entry recorded on my credit report, I am writing to underscore the urgency of reevaluating this matter and to emphasize the potential ramifications of non-action on your part. As previously articulated, the erroneous inclusion of a late payment entry erroneously attributed to my XXXX XXXX XXXX XXXX account for the month of [ XXXX2021 ] has significantly and detrimentally impacted my creditworthiness and financial status. 

Despite the gravity of this issue and the imperative necessity for its expeditious resolution, I have yet to receive confirmation of any measures taken to rectify the inaccurate entry on my credit report. This lack of responsiveness and apparent delay in addressing the matter falls short of acceptable standards and fails to acknowledge the urgency and severity of the current situation. I have independently confirmed with TransUnion that they have updated the status of this entry to reflect it as paid as agreed. I possess the updated documentation from this investigation as evidence. 

Given the ongoing failure to resolve this dispute in a timely manner, I wish to reiterate my intention to terminate my account with the aforementioned creditor and explore alternative options offered by other creditors. It is abundantly clear that the present circumstances necessitate immediate action to mitigate the harm inflicted by the erroneous reporting on my credit profile.
Product: Vehicle loan or lease

The Loan, Account Number And all Related Debts And Credits Related to XXXX XXXX XXXX XXXX XXXX Account # XXXX Have Been Transferred To XXXX XXXX XXXX XXXX XXXX! I no longer own this debt or its credits, The XXXX XXXX XXXX XXXX XXXX Owns : Navy Federal CR Union Acc # XXXX Via XXXX Filing # XXXX Through New York On Public Record In XXXX XXXX!
Product: Credit reporting or other personal consumer reports

I am requesting an immediate attention to the following accounts that continue to appear inaccurately on my credit report : XXXX. XXXX XXXX - Acct # : XXXX XXXX. XXXX ( XXXX XXXX : XXXX XXXX ) - Acct # : XXXX XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX  ) -Acct # : XXXX They were already deleted in XXXX back in XXXX of this year. i have attached proof on my letter. I've been communicating with XXXX and Experian to deal with this matter, reinvestigate it further and remove accordingly but they tend not to hear my plea.
Product: Checking or savings account

On XXXX the XXXX I went into Bank of America on XXXX XXXX. to make a withdrawal of XXXX. The teller was getting ready to give me my funds but the bank manager XXXX comes over and tells her not to give me my funds. I received my money from a settlement check. The day before the bank told me to deposit it and come back the next day to receive funds. The check was verified and cleared. When I came in the next day In was told my account had been flagged for fraud by the fraud department but when I call they tell me that the manager XXXX had personally froze my account it was in the supervisors note 's. She was very rude and condescending when I tried to speak with her so I sat in the lobby to wait and discuss my account with someone who works there and she instructed all employees not to help me. On top of that she kept helping everyone who came in the bank and not me. She also called the police on me and they had me detained on fraud, when the check and already been cleared and verified So not only did I not receive my funds but I was humiliated because of being stereotyped. There were no legal basis for what was done it was all personal. The manager was very unprofessional. I am a victim of discrimination by Bank of America.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are currently appearing on my credit report. This marks my initial attempt to address this matter with your agency, and I expect a timely and satisfactory resolution. 

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

I have attached a letter, my drivers license and my social security card so Equifax can update my info so I can see my credit report