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

I have auto insurance, banking, and a homeowner 's policy with USAA. I am a XXXX vet who has trouble with short-term memory ( service connected at 90 % ). Last XX/XX/XXXX ( approximately ), my auto policy became wonky and there was some misinformation going back and forth. I spoke to someone in XX/XX/XXXX as I got a notice of cancellation. She helped me square things away, and stated the policy would not cancel after I made a payment over the phone. She also helped me change the billing date to XX/XX/XXXX, and explained the payments would be about XXXX per month. A week later, letters started arriving about cancellations, forcing me to pay the full policy up front, lapses in coverage, etc. I continued to make XXXX a month payments as I gave up. On XX/XX/XXXX, I opened up a XXXX Auto Policy and sent a letter to USAA to cancel my auto. I called today and was told my policy was cancelled for non-payment. 
Here 's where it gets worse. I tried to log on to access my bank account and my homeowners policy, and the system would not allow me access to these XXXX current accounts, stating I must call due to an issue. I called and was transferred to many people, and in fact XXXX of these folks refused to help ( especially a male in the banking side who forwarded me without helping me out ). USAA, who says they care for our Vets, do n't realize that XXXX and frustration do not help us out and that I was extremely XXXX after being passed around like this with many people in different departments. 
I told them, all I want is to access my bank account as it is XX/XX/XXXX. They told me in order to access my banking, I would have to go to the auto side and pay the XXXX payment for an outstanding balance ( which I disagreed with ). 
I went ahead and made the payment, so I could gain access to my bank account. After the payment was made, I was then told I still ca n't access my bank account until the payment clears, but after checking with the manager she came back and said it refreshes after midnight. I asked why I can not access my bank account as this is separate from the auto insurance division. I even went as far as stating that this is ransoming my financial product ( by stating they were kidnapping my account ), which I understand is a silly statement, but was said out of frustration. After 65 minutes on the phone, the only thing I have is a paid account ( which I do n't owe because I gave them the date of my Progressive policy ), and still no access to my bank account.
Product: Credit reporting or other personal consumer reports

As of XX/XX/2024 XXXX, Transunion, and XXXX do not have my XXXX  loan balances and statuses updated correctly. I completed their online dispute process twice and the information remains inadequate. I have attached the actual balanced owed directly from XXXX outlining every payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I did a investigation into my credit report and found that there were inaccuracies on my credit report. 

======================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 ==================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX Account # 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 ===================================================================================================== Account Name : XXXX Account Number : XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 ======================================================================================================= XXXX  XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions ==================================================================================================== XXXX XXXX  In accordance with the Fair Credit Reporting act, XXXX  Account # 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 an account without my written instructions =============================================================================================== XXXX XXXX In accordance with the Fair Credit Reporting act XXXX  Account # 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 an account without my written instructions ===========================================================================================
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX, LA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX Balance : {$7500.00} XXXX U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX  XXXX Balance : {$3900.00} ; U S DEPT OF EDXXXX XXXX Original creditoXXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} ; U S DEPT OF EDXXXX XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1600.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXXXXXX XXXX XXXX Balance XXXX {$4000.00} ; U S DEPT OF EDXXXX ( Original creditor XXXX XXXX XXXX XXXX  Balance XXXX {$1100.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX, XXXX ( Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX Original creditor XXXX  ) XXXX Balance : {$290.00} XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX XXXX XXXX, XXXX ; XXXX, XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

This is not a verification dispute. USDOe/XXXX  Account # XXXX is old and is reporting 14 years on my credit report. 

USDOE/XXXX  is reporting accounts to my consumer reports that I did not express permission or permissible purpose to report. 15 USC 1681 b. As a consumer I have the right to privacy pursuant 15 USC 1681, pursuant 15 USC1692, and pursuant 15 USC 6801. My private information is my business. My student loans are my business. My student loans are my private information. XXXX have report my private information without my consent. USDOE/XXXX  actions have amount to aggravated identity theft 18 USC 1028a . As a consumer they have an obligation to protect my personal non-public information. They have reported my confidential and private information to an unaffiliated third party without giving me the proper disclosures 15 USC 6802. 15 USC 6802 Obligations with respect to disclosures of personal information opt out in general. A financial institution clearly and conspicuously discloses to the consumer in writing or electronic form or other form permitted by regulations prescribed under section 6804 of this title that such information may not be disclosed to such third party ( c ) the consumer is given an explanation of how the consumer can exercise that non disclosure option. USDOE/XXXX  have violated my right to privacy. Their actions have cause me and my family severe mental anguish defamation of character. USDOE/XXXX  has stolen my identity, violated my consumer rights to privacy and the obligation they have maintain the security and confidentiality of my private information. They have no lawful authority or permissible purpose to put any account on my consumer reports. XXXX XXXX XXXX and civil liability for willful non-compliance. In general, any persons who will fully fails to comply with any requirements imposed under the subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of. B. Says in the case of liability of a natural person for obtaining a consumer report under false pretenses of knowingly without a permissible purposes actual damage is sustained by the consumer as a result of the failure or {$1000.00} whichever is greater. 

Delete old USDOE/XXXX  Account XXXX.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, I am writing to address the persistent issues in my ongoing dispute, as detailed in my previous letters. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX XXXX And the following unauthorized Inquiries : XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Bank ), XXXX XXXX XXXX XXXX XXXX ( Bank ), XXXX XXXX  XXXX XXXX ( Bank ), XXXX XXXX ( Finance ), XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX ( Miscellaneous ), XXXX XXXX XXXX XXXX I would like to underscore the legal foundation of my concerns by referencing specific laws : * 15 U.S.C 1681 Section 602 A : This section explicitly affirms my right to privacy as a consumer. 
* 15 U.S.C 1681 Section 604 A Section 2 : Clearly stating that a consumer reporting agency can not furnish an account without my written instructions.

* 15 U.S.C 1681c. ( a ) ( 5 ) Section : Prohibiting consumer reporting agencies from including certain adverse information in consumer reports, with a specified time limitation.

* 15 U.S.C. 1681s-2 ( A ) ( 1 ) : Emphasizing that a person should not furnish any information relating to a consumer to any consumer reporting agency if there is knowledge or reasonable cause to believe it's inaccurate.

I urge you to conduct a thorough review of my case in light of these regulations, as it is evident that my consumer rights have been potentially violated. Your swift attention to this matter is greatly appreciated.
Product: Money transfer, virtual currency, or money service

On Tuesday, XX/XX/2021, I found out that I could not access into my account with Coinbase. I tried several times to login to no avail. On XX/XX/2021, I received a message in my computer from Coinbase acknowledging my efforts to login without success. They said in the message that I will receive a telephone call from Coinbase, to help me to login in my account. On Tuesday, XX/XX/2021, at XXXX XXXX., I received a telephone call from XXXX XXXX identified himself to be an employee of Coinbase and he was calling to help me with the login. He requested my personal information, the password for my email account. He knew my password for Coinbase. He told me that I have to wait to use my password for 12 hours. That he will call me on XX/XX/2021 at XXXX p.m. to verify that all was in order. 
He left a telephone number XXXX XXXX XXXX XXXX. On XX/XX/2021 at XXXX XXXX. I called that number to find out that it was a bad number. On the same day XX/XX/2021 I received an email from Coinbase informing that the {$23000.00} in Bitcoin has been transferred to an unknown person or account. 
It is obvious that someone with Coinbase, Inc. perpetrated the theft of my money. 
I hold Coinbase, Inc. directly responsible for this theft. I request to be reimbursed for my loss forthwith.
Product: Credit card or prepaid card

Purchased a Mastercard gift card from XXXX on XX/XX/XXXX. When attempting to use card in XX/XX/XXXX was found to have {$13.00}. Investigating I found out that this card was registered to somebody else on the website. I called the prepaid debit disputes at XXXX ( XXXX ) XXXX they sent me a form " cardholder statement of disputed transaction '' to fill out and fax back within 30 days. I filled out the form and faxed it back to the number provided on XX/XX/XXXX. In XX/XX/XXXX after not hearing anything for a long time I recalled the dispute center and was informed that they did not receive a response from me. I informed them that I did respond practically immediately to there request and that I still had the from. I was then told to refax the form which I did. I have now received a letter from them saying that they can not they will not assist me due to the fact they did not get notification within 120 days of the purchase. I did everything in a timely matter and they did nothing. The dispute case number is XXXX. The debit card number is XXXX expiration date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account information with XXXX  for account with PXXXX XXXX Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.
Product: Credit card or prepaid card

I contacted USBANK Customer service in mid XXXX, i informed them that I am a XXXX  and impacted by Covid. They said we will give you 2 month deferal and then work with you after if needed to lower payments, etc once they have those plans if any in place. In XXXX i get aggresive collection calls, abusive, telling me, they don't care that covid exists and i am behind two months now, and will ruin my credit unless i make huge payments.They said they don't care about any arrangements made, they don't see it on their end. I paid over XXXX dollars on two credit cards to prevent this when i had no money for other living expenses due to covid. they charged and failed to waive late fees and large interest charges on two of my accounts. I emailed the VP and the local branch, he had his assistant make a few emails and he told me the same thing, pay up get caught up then you can ask for help, well that defeats the purpose. i told him i can't have my credit impacted, he said thats not his job, or worry. I have all the emails, when i said i will complain they stopped responding.
Product: Debt collection

I rented a vehicle from XXXX ( peer to peer car rental company ) around XX/XX/2022 for {$460.00}. I had a car accident and frustrated that XXXX provided absolutely no help in the whole process. I wrote to XXXX, and also to the XXXX XXXX XXXX XXXX XXXX XXXX  about XXXX 's bad service. I also filed a claim with XXXX on the towing expenses ( XXXX promised free towing on accident ). XXXX however did not reply back to me, did not response to XXXX did not pay my claim. I decided to dispute my payment of the {$460.00} through my credit card. Again, XXXX did not reply to credit card dispute. Overall, XXXX did not response to any of my complaint through proper channel. Instead, XXXX submitted the bill to collection agency and try to collect from me {$490.00} and try to impair my good credit score. 

I am asking your help to resolve this matter.
Product: Mortgage

This is regarding CFPB Complaint Number : XXXX which has been closed.
<P/>
Your correspondence dated XX/XX/XXXX you are providing an update, I appreciate it. I have given time to Seterus to provide me with the necessary documents but to date, this has not happened. I have been in continued contact with Seterus and they continue saying the same thing " this is a lengthy process and you should be receiving the assumption trial period plan shortly ''. To date, I have not received anything. My home is in foreclosure with a trial date ofXX/XX/XXXX. Seterus states they have never prepared a divorce assumption with both parties alive, they have done this once a party/spouse passes away. I understand this and appreciate it but I have been waiting since XX/XX/XXXX to receive the Trial Period plan and this matter has been ongoing since XX/XX/XXXX when I was approved for a loan modification but it was under my ex-husband 's name. Basically it has been a little over a year and still no trial payments have been offered, nothing.
<P/>
My family is anxiously waiting to resolve this matter, my ex-husband is taking me to Court tomorrow XX/XX/XXXX to try and make the Court force our home to be sold. This is just incomprehensible. I just want to save my children 's home and have a roof over their and my elderly parents ' head. More time goes buy the more money they tag onto the mortgage. What happens if I ca n't afford the trial payments because the mortgage amount is too much since it will include Attorneys ' fees, late fees, and everything else. Last I knew, the mortgage owed to date was approximately {$400000.00}. The homes in the area and the comparable properties estimate our home to be valued at no more than {$350000.00}. The amount keeps going up but property values do n't, what can I do?
Product: Debt collection

Date : XX/XX/2024. 

XXXX, XXXX and XXXX XXXX XXXX : We are sending out a XXXX XXXX XXXX XXXX to your business and home address to gather an organized list of assets. This is needed to initiate the process of monetizing the assets you pledged under your security agreement. Please reach out to me to schedule a time. If no time is scheduled, they will arrive unannounced. Also, today I initiated the process of freezing and attaching your bank account. 

This is an illegal action taken by the company. 
XXXX XXXX XXXX XXXX XXXX GLOBAL SOLUTION BIZ, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
Product: Debt collection

I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by XXXX XXXX XXXX. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by Cash Central in either XXXX or November of 2021. I never applied or obtained a loan from XXXX XXXX. XXXX XXXX XXXX had my accurate address and Social Security number. Howerver, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in reference to XXXX that your company is currently reporting to XXXX, XXXX, and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.
Product: Credit card

At the beginning of XXXX ( during the pandemic ) I needed an emergency dental procedure and was encouraged by my dentist office to sign up for an interest free credit card program for low income patients called XXXX  XXXX. Upon doing so, I agreed to make an interest free automatic monthly payment from that day forward, in order to pay for the {$1800.00} procedure, and I have held up my end of the agreement. It has now been three years of these " interest free '' automatic monthly payments which by my calculations totals {$2000.00}. This amount exceeds the original amount owed. When I tried to reach someone to speak with, the person on the phone was difficult to understand due to a language barrier, and she was unable to see anything prior to this years billing statement. Upon requesting to speak to someone else regarding the matter, she would not transfer me to someone else who could possibly help me. I called numerous times and ran into the same obstacle by phone. When I looked at my online statement, I noticed that in previous months, my monthly automatic payments had fluctuated to higher amounts sometimes without my knowledge or consent. Most alarming, was that the current billing statement indicates that I have only paid {$400.00} of the original {$1800.00}. In reading through the recent statement, I noticed there have been new agreements made regarding the original contract, without my consent ( signature ), nor was I made aware of these changes. I have never signed a new agreement nor was I informed of one. As of XX/XX/XXXX, my payments have exceeded the original amount owed and I can not afford to continue to make payments on what appears to be a new amount owed, for a bill that is three times higher than the original amount owed. I was advised to write a letter to the company ( Disputes division ) and so I did. I am still waiting to hear back from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Money transfer, virtual currency, or money service

Due to Cash Apps frauds. I do not trust them right now to transfer money and I use their app all the time. Its frustrating that it is becoming harder to trust apps that you can transfer money to and from. I just got a new debit card and I really hope its secured on Cash App.