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

USAA complaint is in conjunction with the XXXX XXXX  complaint listed below. I have contacted USAA daily to get this matter resolved. The matter is now in the hands of the executive resolution at USAA who is typically at lunch when trying to get the matter fixed. In the meantime the check for {$14000.00} is sitting is a lockbox at XXXX   and it is not being corrected. I have tried calling both parties and been on the phone for over 10 hours and have a multitude of excuses and promises that this would have been resolved on XX/XX/2018. This has not been resolved and yet again this remains my problem because the bank is not providing the money via a wire or ACH directly to XXXX  to get this money paid and once and for all resolved. This has been over 3 months and continues to be a nightmare that continues to be a problem that I can not overcome as the banks have the power to do anything they want and please. ( lawyers and all the money to fight complaints ) They do not take the complaints seriously as there is no action taken beyond a call to the institution.

XXXX Original complaint The merchant bank XXXX XXXX has advised me that they have closed the complaint. I didnt get the funds and now the bank is stating that it went to XXXX   area at USAA. This was checked into by the bank which stated that they do not have the money. It is of great concern as this is for {$14000.00}. The bank stated that they provided the trace to your organization and that closes the case regardless if I get the funds.

They advised me that this is now resolved per your guidelines and that I will owe the money which I never received due to their error in processing.

This is a serious problem as I didnt get the money and they are going to hurt me and put my account in collections if I don't pay money that is due to back to me.

I was called today and last Friday and the call today was much more aggressive stating that this is now my problem to resolve as it is out of their hands. This is not fair or honest as it was not my error it was theirs. I am reaching out to request that this be reopened and to please have a response that shows that the money was refunded or at least found.

The company stated that the CSFB has no authority to help me the consumer in this matter. I find this not only a problem but a lie based on what it states that the agency does. How can you bill someone money that is not owed? I want to file this as fraudulent or stolen money or possibly money laundering of the institution as they are not helping me.

I look forward to your help. The person who called me is at XXXX XXXX XXXX. They were not only rude but downright demeaning when I asked for this to be corrected.

The {$65.00} dollars was located but the larger transaction is lost! How can this be a issue that is my problem?

The line all of the sudden hung up on me and I am now left at the same spot where I asked for help.

Please help me. XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I ama victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

During a flight on Spirit Airlines, I was offered a credit card application. I was told that I would receive XXXX points just for getting the credit card. Additional points could be earned by using the credit card. 

After receiving the credit card and using it, I noticed that I only had XXXX points in my account. 

I contacted Spirit Airlines / Bank of America and explained the situation. They noted my issue and sent me a letter via U.S. postage. In the letter, it explained that my account balance was correct. There was no explanation. 

I contacted Bank of America to cancel the credit card. They then told me that I needed to spend {$1000.00} in the first XXXX days to get the XXXX points. This was never explained or called out in the application. 

I feel taken advantage of by Spirit Airlines. I spent considerable time unfreezing my account, applying for the credit card, and using their airline in order to earn additional points.

I do NOT trust Spirit Airlines any longer. I'm going to switch back to Southwest Airlines for my regular fights along the XXXX XXXX.
Product: Student loan

This loan is constantly being sold to different companies. It has messed up my credit file on several occasions and I was never helped with finding employment through my schools services.
Product: Credit reporting

I am filling this complaint because I have been ignored by the credit bureaus. My request to be provided with documents that their company has on file that was used to authenticate and verify these accounts and inquiries, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be varied with accuracy, that I disputed. Please resolve this manner as soon as possible I have been dealing with this matter for over four months. 


The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 
Under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. ''
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my Equifax, XXXX, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX portfolio recovery Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} capital XXXX XX/XX/XXXX {$5200.00} XXXX XXXX bank Date Opened XX/XX/XXXX {$1000.00}
Product: Debt collection

On XX/XX/XXXX Southern Credit Recovery sent a latter responding to my dispute letter saying I need to provide more information about the false debt I owe and the only information I have is their name and address. How can they report false information on my credit and they can not even provide me the account number.
Product: Checking or savings account

We received a large check from our usual payer source of over a year. However, this time it was a paper check instead of a wire. Wells Fargo in XXXX XXXX Florida held the funds. 2 days later, only a few thousand was made available. After meeting with the branch manager, we were told the funds would be available in 24 hours. So, we made payments and as a result ended up with a negative balance of over several thousand dollars. The funds were listed as " posted '', yet still not usable. How is it that in 2017 a  bank can not contact another bank within minutes to verify fund availability? And how is it that it depends on the decision of the bank manager? And then how do they justify a statement saying funds are " posted '' and then not pay out on bill pays? From what I read in the law, its not legal and I want them to answer for their mistake.
Product: Mortgage

I am a very loyal customer of Mr. Cooper and have never been late on a mortgage payment. My insurance information expired and I uploaded the necessary documentation, first on XX/XX/year>. I was then sent a notice saying that forced insurance would be purchased on my behalf and I sent it again. The website said the information was processed and no further action was necessary. I received a third letter dated XX/XX/XXXX, that this was the second and final notice, and they would be purchasing insurance on my behalf in the amount of {$4400.00} ... FIVE TIMES my actual policy. I sent the information AGAIN and received an email saying no further action was required. However due to my previous experience, I logged onto their website and I get a message displayed indicating my insurance is expired. Then I am taken to a screen that says they received my documents and no further action is required IF they are correct. The bottom half states it's expired. I spend four days attempting to contact a human, but the automated system will not allow this for insurance. I do a live chat online but I am told they can't handle insurance cases and give me a number to their tracking system. This system tells me " Your insurance documents have been received, and there is no further action require. '' Then pauses and states " Your master policy is expired, you must upload proof ... '' At this point I felt like Mr. Cooper is trying to cash in on making it impossible for me to dispute this. I do some research online and there's an article that says you have to trick the phone system and say what you're calling about is a tax issue. I do this and get a hold of a person named XXXX who is clearly a company man and starts to defend Mr. Cooper almost immediately. He tells me it takes 5-7 days to process documents and that the most recent letter was just automated. I ask him to tell me the first time Mr. Cooper mailed me the letter saying my documents were okay ... he says " XX/XX/XXXX. '' When I explain my most recent letter was XX/XX/XXXX, and that was a MONTH after sending the initial documents and I continue to get threatening letters of $ XXXX going to be billed. XXXX then attempts to gaslight me and tells me the letters aren't threatening ( because getting billed $ XXXX unfairly is just a nice experience ) and proceeds to tell me the 5-7 days thing again, which really makes me think he doesn't understand math. I am beyond frustrated, I think this institution is deliberately attempting to make money off of billing you something you can't get hold of a person to talk to, and then when I do I have to deal with XXXX that says I'm more than welcome to file a complaint against Mr. Cooper.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Consumer Law 15 USC 6802B has been violated. It states, Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( B ) the consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. 
By the provisions of the Fair Credit Reporting Act, my Consumer Law was violated when I was not given the opportunity to direct that such late payments may not be disclosed to such third party like your bureau. Its my understanding that you will recheck these items with the creditor who has posted them. Please remove the late payments that were posted without my consent to opt out of having them report to a third party. 
XXXX XXXX XXXX # XXXX Late payment reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Please update the account as Paid/Current
Product: Checking or savings account

I have been a long-time user of XXXX through my PNC Bank account without any issues. Recently, XXXX unexpectedly lost all my banking information and contacts. When I tried to use XXXX again, it required me to re-enter my bank details, including my PNC PIN. I find this request highly concerning, as XXXX should not need my PIN to access my banking information, which was already linked. 

I contacted PNC 's XXXX email for assistance, but their response only provided phone numbers for support during business hours. As I work during those hours, I am unable to call, leaving me without a resolution. I am deeply concerned about the lack of support for this issue and the potential risk to customer safety and privacy. 

I would like PNC to address this issue and ensure that sensitive customer information, such as PINs, is not unnecessarily requested by XXXX or any other associated platforms.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the immediate removal of fraudulent items from my credit report. Upon reviewing my credit report, I discovered several unauthorized and fraudulent entries that are negatively impacting my credit score and financial reputation. 

The fraudulent items in question include [ describe the specific fraudulent entries, such as unauthorized accounts, inquiries, or transactions ]. I can assure you that I have not initiated or authorized any of these activities, and they are clearly the result of fraudulent behavior. 

I have taken the necessary steps to protect my personal information and have reported this matter to the appropriate authorities. However, I am deeply concerned about the potential consequences of these fraudulent entries on my financial well-being and reputation. 

As a consumer, I rely on your agency to maintain accurate and reliable credit reports that reflect my creditworthiness accurately. The presence of fraudulent items not only undermines the integrity of your reporting system but also poses a significant risk to my financial stability. 

I kindly request that you conduct a thorough investigation into these fraudulent entries and take immediate action to remove them from my credit report. Furthermore, I urge you to implement additional measures to prevent similar instances of fraud in the future and to enhance the security of your reporting systems. 

Please provide me with a written confirmation once the fraudulent items have been removed from my credit report. Additionally, I would appreciate any assistance or guidance you can offer to help me mitigate the potential impact of this fraudulent activity on my credit standing. I am asking for your immediate assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Lvnv funding. States opened in XXXX. Last reported XXXX .Dates don't jive. No payments. I No payment history for the last two years and no reporting of anything for two years. I've been homeless since XXXX.
Product: Credit reporting

My XXXX XXXX auto loan is in good standing, but I 'm not receiving any credit score increase for making on-time payments
Product: Debt collection

I'm aware that under FCRA XXXX, it's necessary to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, which is causing me concern.
Product: Debt collection

On XX/XX/2020 I checked my XXXX credit report and noticed a collection from Jefferson Capitol Systems was placed on my credit profile for a XXXX debt of {$400.00}. I proceeded to call the company but no answer due to the weekend. I did use the automated system that then told me the alleged debt was transferred to another company XXXX XXXX XXXX. If the supposed debt was with XXXX XXXX, then why does their automated system tell me it was transferred. How can XXXX XXXX report on my credit profile something they dont own? I also did not receive any notification of the alleged debt from either company giving me 30 days to dispute the information and request verification of alleged debt owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. there is some inaccurate information reportingXXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 2. there is some inaccurate information reporting. Account XXXX : XXXX Please remove it from my credit report. 3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX XXXX there is some inaccurate information reporting. XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

an account was fraudulenty p laced on my credit file by transunion. Below is the account information i have requested a proper verification several times from transunion to prove that the account is mine or else they need to delete it frommy cr edit file. Each time there responce was account is verified as accurate without proof for me. They refuse to provide me with any contracts bearing my signatures or any proof that the account belongs to me.     XXXX   XXXX   - ACCT #  XXXX  DATE OPENED  XXXX / XXXX / 2016  BALANCE {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Checking or savings account

a couple years ago there was fraudulent check placed into my account, that check was not put in by me but they have yet to contact me back its been a year and the company was bank of america.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I noticed 2 inquiries were show on my report without my consent. 
the inquiries are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no knowledge of these 2 inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my consumer report I notice inquiries in my account that I am not liable for. Please validate and remove them as they are not mine. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX