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

In this day and age of electronic payments, there is NO way that USAA Savings Bank/USAA Federal Savings Bank needs 7 to 10 days to process my monthly electronic draft payment. I pay our XXXX bill using electronic draft from my checking account every month, with payment always set prior to the due date, often a week to 10 days prior to the due date. I pay in full every month, and have done so for the over thirty years I have had a credit card with USAA. The payment amount disappears from my checking account on the date I have set the payment. USAA, however, does not release our credit limit for up to TEN days after the funds disappear from our account. 

If this were a paper check, I would have some understanding of the need to confirm that funds are available in my account, and that process taking several days. However, there is NO way that USAA doesn't have those funds almost instantaneously, and certainly within one to two days of the electronic draft date. 

When USAA does not fully credit our account with this payment ( which, again, is drawn electronically and immediately from my checking account ) and release our credit limit, however, I can not use our credit card. It causes real hardship during times of year, like XXXX, when we are making large purchases and need a credit card to do so. If USAA has my previous payment in their accounts, I should be able to use our account up to the full credit limit ( minus whatever outstanding balance we have accumulated in the interim period between the statement date and present date ).
Product: Mortgage

I went into forbearance in XXXX of 2020 due to XXXX and my job being entirely commission based. I was told when I went into forbearance that my credit would not be negatively impacted. On many recorded phone calls with XXXX I clarified and inquired to make sure that was going to continue to be the case. I have never missed a mortgage payment and I take my credit very seriously. I was told that if I was current on my mortgage payments before I entered forbearance that I would maintain a current status after. I received documents from them to obtain a partial claim in order to get a subordinate XXXX lien to bring the payments current from the forbearance period. These documents expired and they sent me a new set which were promptly returned. I now have 3 months of late payments and foreclosure information reporting to my credit and I have never missed a mortgage payment ever. I need this information removed as I was told over and over by XXXX that I would not be negatively impacted and I have been now after the fact and they have told me they can not fix this.
Product: Credit reporting or other personal consumer reports

Dear XXXX or XXXX This is Information on my consumer report that is a result of fraudulent activity. I want to remove fraudulent hard inquiries from credit report : I was shopping for a car, they just asked for my driver license and social security number to see what I can be pre-approved for, I can not recall I did if I did a hard inquiry, I did not provide written permission or instructions for the identified inquiries to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified inquiries. The identified inquiries are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX
Product: Credit card

Citibank locked my card with no warning while on vacation. I was unable to use it to check into my hotel. I called to verify my account, gave them my security word, last four digits of card, last four purchases, last four digits of my checking account ( with another bank ), my email address on file, and my phone number on file. They refused to send me a verification code, refused my request to speak with a manager, and insisted I had to provide more numbers from my private checking account in order to verify. They refused to unlock my card and provided no alternate option like sending a verification code to my phone. I had no way to check into my hotel and they gave no option to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint via the CFPB to formally request an investigation and correction of the listed accounts that appear to be inaccurate and incomplete on my credit file, as per the provisions of the Fair Credit Reporting Act. I believe these accounts are reporting inaccurate information. I was never late on these accounts because I always make my payments on time. I keep my own payment records and the record the Credit Bureaus present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Please take a look at the following accounts that are reporting erroneous information on my Credit File : XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXXXXXX XXXX Balance : {$580.00}. According to the Fair Credit Reporting Act, 15 USC sections 1681i, the Credit Bureaus are obligated to finish the Credit Bureausr investigation within 30 days ; please do so, otherwise the Credit Bureaus will be in violation of the Fair Credit Reporting Act and may be investigated by the Federal Trade Commission.
Product: Debt collection

After I won an unlawful detainer case against my previous landlord. Opposing counsel was informed of my sons XXXX XXXX and agreed he could not be held to any responsibility in this case. 8 heard nothing at all from my previous landlord or their lawyer. My phone number is as available to them and I had my mail forwarded but recieved nothing from them. On about XX/XX/XXXX. I had gone to my mailbox to get my mail and found an invoice from IQ Data international, a collection agency. One invoice had my name and I found another with my sons name on it. Both invoices were in the amount of {$12.00} XXXX. I dont feel as though I owe this information listed amount I called the collection agency to ask for the documents supporting the amount billed and to let them know that I was upset that I had no prior notice of this inflated bill and that I will dispute it. What action can I take to get this removed from me and my sons credit. The entire situation is nothing that I caused not even the eviction. How is it legal for this to happen??? Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX XXXX finance has a zero balance and 100 % on time payment. Its reporting 2 90 day late payment status and a remaining balance of XXXX. This is incorrect. There is no remaining balance the account is current and CLOSED. Not charged off and never late.
Product: Credit card or prepaid card

The Credit Card Company billed on XX/XX/XXXX a {$450.00} Membership Fee for the Periods of XX/XX/XXXX - XX/XX/XXXX ( 12 Months ). 

The Credit Card Account was cancelled on XX/XX/XXXX since The Customer was not satisfied with the Level of Service offered by The Credit Card after the Customer was a Good Customer since XXXX ( 17 years ). 

As of the date of Cancellation of the Credit Card Account only 5 of the 12 months of The Benefits offered by The Membership Fee had accrued. The Customer is seeking a reimbursement for the 7 months of Membership Dues which were not used since the benefits paid are no longer available to The Customer. 

The Customer is demanding a Re-Fund of the 7 months of Benfits that were not used ( XX/XX/XXXX - XX/XX/XXXX ) which accrues at {$37.00} per month for a total credit due of {$260.00} for the remaining 7 months. 

The Credit Card company does not want to issue this reimbursement and want to keep 7 months of unused benefits to their benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my annual credit report and found that there are adverse remarks on my record. I have a charge off remark from the credit card Chase Slate. However, I profoundly disagree with such remarks. This reporting done on the behalf of chase is inaccurate and although I have reached out to them they have failed to resolve the issue.

On or around XX/XX/XXXXI decided to end my business with Chase as a result of the negative experiences I had with the bank. I switched over to my local credit union and when I ended my affiliation with them I could no longer access the online accounts which included my Chase Slate. As time progressed I expected to receive statements from the Chase credit card, but they never arrived. I never received any phone calls to attempt to collect my payment as many other cards do. It is important to note that my phone number has not changed in the past 15 years. Six months later on XX/XX/XXXX, I received a phone call in which I was notified that I was past due on the account and they were attempting to collect what I owed. The amount the person told me to pay was {$880.00} which I diligently paid as instructed. The person failed to inform me that I still owed {$370.00}. It is also important to note that I never received documentation that confirmed my payment to the debt. As a result of their failure to fully disclose any further information, the {$370.00} became the amount that has been charged off since XX/XX/XXXX without my knowledge or consent.

Had Chase been transparent with me and solely wanted to retrieve their money I would have paid the full amount as I did when I was instructed to pay the {$880.00} amount. I feel that the failure to inform me of my own account has resulted in a black mark on my record and has haunted my credit score for years. I reached out to Chase again in XX/XX/XXXX and threatened to seek legal action and it was until then that they agreed to remove the charge off and settle the debt. I again reached out to Chase a few days ago and was informed that it appeared that my debt had been sold to a debt collecting company, come to find out this was another LIE. After reviewing my bank statement for the month the debt was PAID, it shows the payment went to CHASE, chase E-pay to be exact is what it says on my statement. I am infuriated by the lack of professionalism Chase has demonstrated when trying to solve this problem, lies after lies. I am infuriated because this is absolutely not an accurate portrayal of my reliability and dependability to pay my debts in a timely manner. I feel I have been underhandedly placed in this situation due to my discontent with the problematic and fraudulent company that Chase is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX must remove and delete the false reporting by XXXX XXXX XXXX opened XXXX/XXXX/2032. I have disputed this account directly and this error has not been removed, this is not my account and I have had identify theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect information reported as a new debt on my credit report. This account was charged off & disputed as incorrect original creditor provided a prepaid service & charges should not have been there. Enhanced Recovery Company is reporting this as a new debt as of XXXX of 2019.
Product: Checking or savings account

Well Fargo Claim # - XXXX I disputed some unauthorized transactions on my card, and wells fargo denied them all. My account was compromised and someone also deposited checks into my account, I told my bank it wasn't me and all they said was well we are still closing the account. 

I think its completely bogus for a bank to allow someone to make purchases with my card information even after I had already called in someone using my card back in XX/XX/XXXX. And even worse, when a customer calls in about fraudulent activity, and the bank does NOTHING to help the customer! 

They waited a whole month to cancel that card! And now that my money is gone they are closing my account. 

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

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX Act Name : XXXX XXXX XXXX, Act Name : XXXX XXXXXXXX, Act Name : XXXX XXXX, Act Name : XXXXXXXX XXXX XXXX 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section states, no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

To Whom It May Concern, I am requesting investigation by the CFPB regarding " Capital One Bank '' refusal to assist me with my three credit card accounts ( acct # 's XXXX, XXXX & XXXX ) I have with them according to the " Rule 5000 ''. https : //www.fdic.gov/XXXXl I have contacted them on multiple occasions via certified letters and phone calls to advise them I have experienced a severe personal medical crisis that has left me XXXX. As a result, I have not been able to make my minimum monthly payments due to not having the same income I once had as I am no longer able to work and now only have social security as my sole income. 
When I have called requesting assistance, I am told by their customer service reps that there are " no options '' available and unfortunately my accounts will eventually " charge off '' to my credit file. All the while, they continue to add fees and interest increasing the balances. 
I understand from reading online that Capital One does indeed have customer assistance plans and have put other customers on these plans to assist them with their accounts. I don't understand why I am being discriminated against with their refusal to help me and would rather " charge off '' my accounts than offer me a plan so I can pay them. 

I humbly ask that the CFPB investigate this issue on my behalf and advise if further complaint 's with any other governing agency 's for this business is recommended at this time. 

Thank you for your help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies involving my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough and authentic investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX actions also may contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5336 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceedings ( File No. XXXX ) against them for similar violations. I requested that CFPB take appropriate action to ensure XXXX complies with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2020 Balance : {$1000.00} XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/2020 Balance : {$14000.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I became locked out of my coinbase account because of a flaw in their system that was asking me for a 2 step verification that was not activated on my end but coinbase app and website was asking for the verification number that was not active on my end so Im not sure what number coinbase is expecting. On XX/XX/2021 I filed for support and was given case # XXXX. Since then I have only received generic emails after multiple attempts at contacting them via email and there links on the website. They have no phone number to call. I have over $ XXXX amenrican dollars that I am locked out of for close to a month and have not received an email from an actual person only automated responses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted affirm inc several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. affirm inc received a tax deduction for this charged off accounts : XXXX but i never received my 1099c form this is tax fraud affirm inc has committed XXXX this account is inaccurately being reported to XXXX. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by affirm inc .
Product: Credit reporting or other personal consumer reports

Note that in this complaint that Equifax is the only Credit Bureau reporting the inaccurate information. Please send an updated credit report with my corrected address at XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX and immediately remove inaccurate, disputed accounts. Since XX/XX/scrub> 2024, Equifax has not corrected my credit file despite multiple phone calls, submissions of my ID, utility bill, SSN card, CFPB complaints, and FTC reports. All I receive is a automated generic stall letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my foderaly protected consumer rights to privacy and confidentialily under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy.

| 15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not furnish a account without my writien instructions | 15 U.S.C 1681c. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse lom of informetion, other than records of convictions af crimes which antodates the report by more than seven years XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX higher education XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you as a victim of a data breach. I am requesting the immediate blocking and deletion of the accounts listed below from my credit reports pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ), as these accounts are the result of identity theft and are not legitimately mine. I have not authorized these accounts.

I am aware of my rights under the FCRA and understand that you are required to investigate and correct inaccurate information. I am also aware of the lawsuits currently being filed against the credit bureaus regarding data breaches and the mishandling of consumer data, and I am considering all available legal options to protect my rights and information. 
The following accounts and associated information must be blocked and deleted from my credit reports immediately : XXXX XXXX - XXXX - XX/XX/XXXX - {$3800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL XXXX STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

On XX/XX/ Capital One apparently sent me an email letting me know that my information was involved in a data breach. However, I did not learn of this until today, XXXX XXXX XXXX  after calling Capital One myself at XXXX ( XXXX ) XXXX, when they told me I was apart of the settlement. I never received said email or it went straight to spam and auto-deleted itself. I wish to hold capital one accountable in the way they inform their customers and also get my earned money back from the settlement that I didnt know to file.
Product: Credit reporting or other personal consumer reports

information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Collections XXXX XXXX XXXX XXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employment history XXXXXXXX XXXX XXXX XXXX XXXX Contact information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been affected by the data breach. Per 15 USC 1681 c-2 states except as otherwise provided in this section a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. Please remove the following accounts from my credit report : XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX/DEPT OF ED XXXX XXXXDEPT OF ED XXXX XXXX XXXX