23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am writing to dispute a billing error ( fraudulent usage of my debit card ) in the amount of {$150.00} with four fraudulent charges made on my account. The amount is inacurrate because someone fraudulently used my card after I lost it and was used at XXXX XXXX XXXX where I have never been. I followed all electronic Funds transfer rules and notified USAA immediately within an hour and the card was cancelled. The USAA employee said she would put in a fraud on those charges but never did. I spoke with someone in Security and he said they couldn't add the money back in because I did not file a police report even though no one told me I needed to. I filed a police report and sent a registered letter to USAA and never received any response from them after waiting three weeks.

It is clear to me that USAA could care less about their customers and saw how many complaints about them on claims. Do not use them and keep in mind that those people in the commercials are clearly paid to say good things. They just use military people to make money off of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian, XXXX, and XXXX on XX/XX/2023. Its been well over 30 days, I still havent received anything back. 
According to 15 USC 1681i ( a ) ( 1 ) A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. 
This a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 In XXXX of 2022 I applied for credit with Honda Finance. I was denied credit and on XX/XX/202 I asked them to reconsider because of XXXX well known reporting problems. 

It appears that Honda Finance ran my credit without my permission on XX/XX/2022 and I did not give them permission to run my credit. 

Over the past 40 days +, I have filed several complaints with Honda Finance and XXXX with no resolution. 

The original CFPB complaint # XXXX was an attempt to correct the record. I told Honda that they had run my credit a second time within their 30-day grace period. This grace period was explained by Honda that they do not run credit twice within a 30-day window where it applied to the original inquiry. I told the Honda executive that my credit was in fact run a second time in the 30-day window. Honda told me that it did not show on their files and told me that I should question XXXX and the 2 would resolve it. A copy of my XXXX inquiry record is attached. 

After I submitted complaints to XXXX over 5 times in the past month ; with no resolution, I am coming back to CFPB to resolve this complaint. I called Honda and got nowhere. It seems that Honda Finance and XXXX are incapable of resolving this. 

I have attached some of the responses that I got from XXXX in the hope that when you share this with them, that they will get it. 

Additionally, complaints that I have filed against XXXX are taking 30+ days and still have not been resolved.

Herein, I list the complaints related to Honda Finance and XXXX : XXXX XXXX XXXX XXXX Perhaps, this time it will get resolved. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion you replied that the alleged transactions that you identified as late is verfied. The following accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Transunion your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) ( XX/XX/XXXX ) This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX, under the account number ( XXXX ), a business loan account opened at XXXXXXXX XXXX XXXX XXXX XXXX under the account number ( XXXX ), and a telephone service account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number ( XXXX ), These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. This was a corporate account and mistakenly reported on my profile. The XXXX and XXXX Credit Bureaus had their record-keeping been accurate, and no complete proof of payment history was provided. The XXXX and XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX To whom it may concern, I am writing to formally dispute certain items on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( XXXX ), I am requesting that you reinvestigate these disputed items. According to the statute, you are required to conduct a reasonable reinvestigation and correct or delete any inaccurate or incomplete information. 
These items are inaccurate, and I am requesting that they be reviewed and appropriately corrected or removed from my credit report. Please provide me with the results of your investigation as required under FCRA guidelines. 
In accordance with 15 USC 1681i ( XXXX ), I remind you that you must complete the reinvestigation within XXXX  days and provide me with a report detailing the results, including any corrections made. Should you fail to meet this deadline or fail to conduct a proper investigation, the following court precedents support my position : XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) The court ruled that a consumer reporting agency ( CRA ) has a statutory duty to conduct a reasonable reinvestigation of a disputed item, and failure to do so can result in liability. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) The court emphasized that CRAs must conduct an independent review and can not rely solely on the information provided by the data furnishers. 
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) This case underscores that a CRA is liable under the FCRA for failing to reinvestigate disputed information that is reported inaccurately. 
Additionally, should you fail to conduct a thorough and reasonable investigation, as mandated by the FCRA, I would expect the items to be deleted expeditiously. 
I look forward to receiving your response in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone make a fraudulent XXXX XXXX inquiry on XX/XX/21. I spoke with XXXX XXXX and they stated they would contact the company to have the inquiry removed.
Product: Debt collection

Was looking into FDCPA info and found a section that said that debt collectors may not " Communicate, or threaten to communicate, false credit information or information which should be known to be false, including not identifying disputed debts as such. '' Called the debt collector to ask if my debt had been marked as disputed with the credit reporting agencies it had been reported to. Initially she replied yes, then said she was not required to do so because I was the one disputing it and not them, then said she would do it that day. This conversation was recorded. I have been attempting to dispute part of the debt for several weeks with the original party and the debt collector, only to be told by both that there will be no discussion or just ignored completely.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested documentation and validation/verification from this company that they have not provided. I have advised hem that the data being reported is incorrect.
Product: Credit card

Recently I submitted a payment on the XXXX that cleared with my bank on the XXXX, but Citi has placed it on hold until the XXXX. I submitted another payment that cleared with my bank on the XXXX that is also on hold ( not sure how long ). Citi has previously put cleared funds on hold multiple times, one time for about 2 weeks, locking me out of using my card even when I've overpaid it. I've only made payments from my Citi checking or the same account at another bank. Citi has acknowledged everything has settled but said they are on hold because it was a larger then usual amount, or because I made more than one payment in a month, and said that no one at Citi would be able to remove the hold. Citi 's unjustified holds on cleared funds is hurting my ability to do business and rely on the card for everyday transactions.
Product: Checking or savings account

On XXXX XXXX XXXX I received a that XXXX was being deducted for a XXXX XXXX XXXX.I contacted chime support to let them know it wasn't me.I was told to turn off transactions on my card so no other charges would be charged.I kept my transactions off until XX/XX/22 as I needed to buy things I needed from XXXX which I made a XXXX XXXX pm this day I received a notification my checking account was being charged XXXX for XXXX.I contacted Chime support I was told I couldn't dispute this charge until it settled and to turn off my transactions my card until they send a new one.i received another text message from chime at XXXX pm support saying my card declined for XXXX because my transactions were turned off.i started the dispute XX/XX/22 only for them to close my dispute and tell me the funds that were taken from my checking would not be refunded
Product: Credit card

Called Lowes around XXXX week of XXXX, as I couldn't use my credit card. I was told my card was closed. Rep I spoke to on this day indicated I had missed my payments and asked I contact XXXX for more info. I called XXXX and they had no idea what was going on. They then filed a dispute on my behalf. I checked on status a week later with XXXX. They stated Lowes had closed my account due to my creditworthiness and told me I could call the financial bureau to file a complaint. I spoke to rep at Lowes today XX/XX/XXXX. I let rep know they must give me 30 days notice, rep then stated per their contract they do not have to give me 30 days. Rep states they sent letter out in XX/XX/XXXX through email. Today I looked for a email from Lowes as I did not recall receiving an email by Lowes in this regards. I was able to locate email from XX/XX/XXXX with date XX/XX/XXXX on letter. I made a payment for XXXX on XX/XX/XXXX. I am frustrated this account was closed after making a big payment. I am hoping to somehow resolve this situation.
Product: Money transfer, virtual currency, or money service

In XX/XX/year>, I transferred a XXXX tokens to my XXXX XXXX wallet address in my new XXXX account. This total value is over {$35000.00}. 

Subsequently, I accessed his account with XXXX and it showed a {$0.00} account value. I opened up a customer service ticket over 3 years ago and have contacted customer support numerous time for updates. I was informed that his account was in active recovery status, that a special recovery team was working on the matter, and that it normally takes several months to resolve. 

I have patiently followed up with their support team on numerous occasions in order to determine the status of the recovery of the tokens in his account. To date, I have not recovered any tokens in my account. 

They should be able to send the tokens back to the original wallet in which is came from. I have the XXXX transaction history verifying everything was sent successfully.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

I had bank account with Wells Fargo. Just want to know if Im eligible for payment
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal from Collections, Due to bad practices. 

Dear Consumer Financial Protection Bureau, I am writing to formally address an urgent matter regarding my credit report and the impact of XXXX XXXX on my financial standing. My personal information and account information, which has adversely affected my credit and led to the involvement of several collection agencies. Due to Aggressive and threatening collection practices with previous help from the cfpb. They have ceased and desist and closed the account due to the threatening of incarcerated me by one of their agent agents they have sent me apology emails and said that they were closed the account with no late payments or etc.. The account was also to be removed as agreed from my credit profile that has not been done since XXXX 

I am writing to formally demand the immediate removal of the collection account related to the debt referenced in your previous communications, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Despite my previous requests for removal of this debt, XXXX XXXX has failed to provide the necessary documentation to substantiate its legitimacy to not remove the account of credit reports to remove the negative reporting status. I have given ample time and opportunity for this collection to be removed from all reporting credit bears, and since this has not been done, I will not accept any hold on this debt any longer being placed on my credit report. 

This debt must be removed from my credit report immediately. If it is not removed within the next 10 days, I will have no choice but to involve my legal counsel, who will seek damages and compensation for the mental anguish caused by this situation, as well as the inability to receive credit services due to your reporting to the credit bureaus. 

Please consider this letter a final notice to rectify this matter. I expect your prompt attention to this issue and a confirmation of the removal of this debt from my credit report. 

Specifically, I am requesting immediate removal from the following collections : - *XXXX XXXXXXXX Due to the unauthorized access to my personal information, I believe that these collection is a direct result of XXXX XXXX  doing what they agreed, Also this does not accurately reflect my financial behavior. I have taken steps to secured my credit integrity and credit worthiness to the appropriate authorities Cfpb and all credit reporting agencies? Still the account has not been removed. 

I kindly ask for your assistance in rectifying this situation as soon as possible. Please let me know if you require any further information or documentation to process my request. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Bank account or service

I had a checking account with a debit card with SunTrust. The debit card carried a {$75.00} annual fee. I received a letter in the mail stating that they no longer wanted to continue my banking relationship and requested I close the account ( or they would close it by a certain date ). However, since I paid the annual fee for the debit card and will not be able to use it for the entire year I paid for, I requested a refund ( full or partial ) and was told they would not issue a refund. So They took my fee for a year, then closed my account after 6-7 months, but are keeping my annual fee.
Product: Credit reporting or other personal consumer reports

I have recently started monitoring my credit and I noticed someone have submitted several credit card application with the intent to obtain fraudulent credit using my personal information. Their is XXXX unauthorized hard inquiries on my report and their are listed below 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 am anticipating a prompt resolution of removing these fraudulent inquiries on my credit report Thank you
Product: Debt collection

I had an account from XXXX, which is no longer on my credit report. I received XXXX calls. Every time I sought to answer, they would hang up on me. I know this was to get me to contact them to trap me into having it put on my credit report again. I am not working! I dont have any extra money.
Product: Mortgage

Bank of America mortgage loan # XXXX was paid in full XXXX XXXX, 2016. 
Today, XXXX XXXX XXXX I called to ask why the paid note and cancelled deed had not been returned to me. Bank of America agent said that they did not exist!
Product: Credit reporting, credit repair services, or other personal consumer reports

I Would like to sincerely asking you to help me To get fixed on all my credit Report Which is on XXXX and XXXX XXXX and XXXX it shows negative account activity this account its called kick off landing LLC Which was very confusing and I try to call them more than 20 times and dispute them with all the Creditor and they told me they can not do anything for me I pay them on time everyones was one dollar and it says here I have a late payment and it says I cant is paid and closed so its very confusing will you please sincerity helping me and make correction thank you
Product: Student loan

On XX/XX/year> I made two payments to pay off loan # 5 with Mohela. The payoff amount was XXXX. I had the money in two accounts so one payment was for XXXX and the other was for XXXX. 

On XX/XX/year> I logged in to check if they had been applied. They were but not fully. It was showing an outstanding balance for XXXX so I called. They said they could see the payments but werent sure why they werent fully applied or what happened to the rest of the money. They said they would submit a request for that remaining amount to be located and applied as intended and the process would take 30 days. 

On XX/XX/year> I called again to follow up, they said that they would check on the request and that it could take up to 45 days. 

On XX/XX/year> I called again and I was told that I needed to keep waiting because the timeframe I needed to wait was 45 business days. I counted while on the phone and this happened to be the 45th business day. When I brought that to the attention of the rep, she got even more unpleasant and said that I would just have to keep waiting because these things take time. I asked how long I should wait to follow up she said she didnt know. 

As of today XX/XX/year> the balance for loan # 5 is still at XXXX