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

USAA HAS FAILED TO CREDIT MY ACCOUNT IN THE AMOUNT OF {$37.00} TO MY CREDIT CARD # ENDING IN XXXX The Original Purchase for merchandise was in the amount of {$42.00}, as per the attached receipt from XXXX dated XX/XX/2020. 

The {$37.00}, was the Amount for a Return of Merchandise per the attached receipt dated XX/XX/2020. 

{$42.00} Purchase {$37.00} Return {$5.00} amount of my liability of the purchase after the return. Posted XX/XX/2020 On XX/XX/2020, USAA, posted a credit in the amount of {$37.00} for my merchandise return. 

However, on XX/XX/2020, USAA reversed my credit in the amount of {$37.00}. 

The Issue Remains That the Proof of the Return and Refund by XXXX by the Attached Receipt Was Not Refund to My Account. 

I Am Still Due the Credit in the Amount of {$37.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion and spoke with a representative, because I noticed that they had removed the XXXX XXXX XXXX collection from my credit report and placed it back on there. I feel like my rights have been violated, because they never notified me that they would be adding this collection back to my account. I understand my FCRA rights enough to know that I should 've been notified 5 days, but I was n't.
Product: Checking or savings account

Chime is an online banking company. I have made multiple deposits over the last year without issue. On XX/XX/XXXX and XXXX, 2021, Chime made 3 unauthorized withdrawals from my checking account with XXXX XXXX XXXX totalling XXXX, and then suspended my account, so I am unable to access the money they have taken or the money I previously deposited totaling over {$4000.00}. I called and spoke with a manager to understand what happened and he refused to assist me unless I provide a picture of myself holding my driver 's license, a picture of the front and back of my driver 's license, proof of address, documentation verifying the transfers ( which I did not make ) and a written explanation of the origin and intended purpose of cash funds recently made such as my bank statement or check stub. They have given me 3 days to comply or they will cancel my account with all of my money. I feel like I'm being scammed and am not comfortable with providing any further information. I am contacting XXXX XXXX XXXX with regards to the unauthorized withdrawals.
Product: Credit reporting or other personal consumer reports

Despite my many attempts to rectify this matter, the unknown inquiry continue to negatively impact my creditworthiness and financial standing. It is disheartening to see that this unknown inquiry persist on my credit report, despite my repeated efforts to have them removed. As a responsible consumer, I am committed to maintaining an accurate credit profile, and the presence of these fraudulent entries undermines that goal. 

I am reaching out once again to request urgent action to address this matter. I kindly request a thorough investigation into the fraudulent items on my credit report and immediate action to have them removed. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. Please help me remove this inquiry immediately : XXXX XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with XXXX, Experian & XXXX. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION ON CREDIT REPORT. WRONG SOCIAL SECURITY FTC VIOLATION XXXX/XXXX XXXX - {$1700.00} - DOES NOT BELONG TO ME HARD INQUIRIES - US SM BUS ADMIN XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an account incorrectly. 
XXXX XXXXXXXX University with a paid balance of {$3000.00} is showing remarks as payment after charge off/collection. Payment deferred. It was never charged off, and certainly was NOT ever sent to collections, and the business has verified that. I will include my emails back and forth from the company and they indicate they have tried to fix it several times and that Transunion is refusing to fix it.
Product: Checking or savings account

My account was closed unexpectedly for no reason i had about {$25000.00} in savings and now theres no money left.
Product: Debt collection

Wells Fargo or XXXX XXXX sold our phone number to scam debt collectors. There's no coincidence that my husband and I have been receiving robo calls from XXXX claiming to be Wells Fargo lately, all three need to be looked into. We pay Wells Fargo each month a week before due and we have documentation to show when our money was taken out of our bank, but they purposefully wait until one week AFTER due to finally process. Its not my problem they take two weeks to process payment, its their responsibility to make sure they have staff capable of doing this. They are intentionally doing this to charge a late fee on top of interest, because per XXXX XXXX financing contract it says 0 % interest unless payment was missed. Wells Fargo needs to correct this, they don't deserve a penny more than what we pay each month especially since they now sell our information to scam debt collectors. We arent even in collections since we pay each month, but we went ahead and paid the inflated charges due to get it out of the way since we know Wells Fargo is going to take 2 weeks to process the payment anyway.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX continue to report information that I have requested to be fully verified. I requested on multiple occasions by mail online and over the phone to have the items they could not fully verify my information according to the law with a contract, signature, ID with my name on it proving the debt belongs to me, and a contact of the person they spoke with. They keep verifying the Bankruptcy however it is not verifiable. Bankruptcy Rule XXXX Privacy Protection For Filling with the Court and Privacy protection Act of 1970. Violation 5 USC 552a & 31USC 3711 ( e ). No one can call the court and ask for the information and the information online is redacted meaning no information can be verified. So they can not keep claiming the debt as mine when they can not verify the debt. They are also posting Charged off debt. According to the IRS XXXX XXXX XXXX XXXX, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount owed, the amount is taxable. if taxable, you must report the canceled debt on your tax return for the year it is canceled. According to the FCRA of 1970 Law 15 USC 1681-1681x Income can not reported on your credit profile. So for that reason all of my charged off accounts must be removed according to FCRA.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report to find the following item I dont recognize. I have explained the discrepancies of the Account ( XXXX XXXX  ). to my records the account you are reporting on this account is unrecognizable. I would like that this be remove from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION IS NOT LOOKING INTO MY DISPUTE THAT I HAVE PROOF SHOULD HAVE A ZERO BALANCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED.

1.Brclysbankde Inquiry from XX/XX/XXXX 2.Brclysbankde Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX   Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple accounts that I have provided to them that was identity theft and the fail to remove them they are XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX bank XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts are not mine and are identity theft I have sent multiple letter to Experian to remove them but they continue to list on my report. My identity theft report number is XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Sections 611 ( a ). it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these ERRORS be deleted immediately or I will file for litigation due to the stress you caused me.
Product: Vehicle loan or lease

On XX/XX/XXXX I was pressured by the salesman to purchase newer model of my XXXX vehicle and I asked for the oil change warranty and he had me under the impression that I was receiving the product. The salesman man then told me that my credit score was XXXX and I needed a co-signer. I called around and after being pressured by the salesman, I called my daughter 3-4 times pressured her into to co- signing for me to get the vehicle. After signing a few documents, the salesman then came back to tell me that he wont be able to trade with my XXXX vehicle and he told me to just leave it parked on my street and let the bank come and pick it up, or see if I can get someone I know to take over the payment for the XXXX vehicle. I did drive off with the XXXX vehicle but I was not given any of the documents I and my co-signer signed. I noticed that I didnt have any paperwork after a few months. I called the dealership about the problem and they told me that they would mail it to me. After a few weeks I called again but was not helped and I told them that I was going to pick up a copy. I picked up the envelope that contained the documents and put it in a safe place at home. A month or so later I received a call from my daughter upset that she was denied the refinancing of her vehicle due to the credit report saying that she purchased a new XXXX XXXX XXXX and she explained that she was only the co-signer for the XXXX vehicle. She was very confused and I told her that I was in the area XXXX and I would pick up another copy because I was out working and not at home. Long story short, they switched me as the buyer and my daughter as the co-signer. The evidence shows that I signed in blue ink and my daughter in black ink and you can see where they switched the signatures. And both copies I picked up are photocopied and not the original contract. I did mail All of this evidence to the CFPB in XXXX or XXXX but I havent heard anything back. In XX/XX/XXXX the first complaint I sent was to the XXXX  and the company responded with more fraudulent documents, one of which is a newly forged customer copy of a contract with forged computer generated signatures and a date saying that we signed on XX/XX/XXXX, which is untrue and not correctly stated. I called the warranty company to confirm that they gave me the correct product and they sold me a different product than what I asked for and they changed the contracts on the warranties without consent or sent out any notice of the change prior to changing them. And the new fraudulent contracts have no signatures on them but they have the fraudulent date of XX/XX/XXXX on them. They have filed a writ of possession for the vehicle and we were not properly served and the company has submitted all fraudulent documents to the court and they are deceiving and misleading the court and judge. The response letter the company responded to, the relations department manager named XXXX admitted to the changing of the contract and that they purchased the installment agreement contract from XXXX XXXX and not the lender of any amount loaned.
Product: Prepaid card

I received a {$2000.00} prepaid American Express e-gift card in XX/XX/XXXX. I have tried to use the card several times and am unable to use it anywhere. I have been unable to spend any of the {$2000.00}. I have tried : Paying a {$310.00} medical bill to XXXX XXXX XXXXXXXX XXXX XXXX  - declined ( XX/XX/XXXX ) Buying a {$22.00} picture frame on XXXX  - declined ( XX/XX/XXXX ) Buying a {$130.00} bag of dog food from XXXX  - declined ( XX/XX/XXXX ) Purchasing a {$200.00} XXXX gift card from XXXX - declined ( XX/XX/XXXX ) Purchasing a {$25.00} XXXX  gift card from XXXX - declined ( XX/XX/XXXX ) I called the customer service line since I haven't been able to spend the card anywhere. I was told that the card did not work at all retailers. I asked where it did work and they were unable to tell me any locations where it was accepted. They told me to use it physically in stores ; however, this is an e-gift card and will not be accepted in physical retail locations. This is a significant amount of money and I do not want to keep trying to spend it at various places just to have the card continue to be rejected. This card is useless to me at this point.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023 I applied and was approved for a loan of {$500.00}. To complete the approval process, I spoke to an agent on the phone. He asked the number of installments i wanted to complete the repayments in, and I advised him that I wanted to payoff the full amount when the first billing cycle completed in XXXX. He agreed and even noted that was the smartest option due to interest rates. When he emailed the application, it was not set up as discussed, and I fully accept that I did not review the documents properly. I accept that I had some fault initially, even though my further dealings with this company would indicate that is a revenue tactic. 

In XXXX, when I noticed that installment payments were coming out, rather than the full payment. I reached out on chat, and through a phone call. I expressed my disappointment but scheduled the full payoff online, The representative confirmed they could see the pending payment of the full amount. 

Now again, today in XXXX, The full payment still has not been processed, and they continue to bill me in installments with high interest rates tacked on. I have yet again processed another " payoff '' installment. 

I reached out through their chat with agent feature to confirm the payment is visible ( again ), but i am upset that the interest payments of over {$700.00} were not what I agreed to pay verbally & through further communications. They acknowledge they have recordings of the initial loan phone call. I agreed to be recorded on that call.
Product: Checking or savings account

Hello this is XXXX XXXX. My address is XXXX XXXX XXXX is XXXX, FL XXXX. 


On XX/XX/XXXX I was at the soccer field off XXXX XXXX and someone steal my wallet and then he made some unauthorized transactions. I called the police and I got the police report. Actually he steal my wallet and my XXXX and I find my XXXX from from that area by tracking XXXX. XXXX I lost like {$2800.00} {$400.00} in cash and {$2400.00} from my credit cards and debit cards XXXX XXXX already credit me {$1000.00} by the way store and Branch app is refusing to credit me my funds Here is information about the Branch app transactions {$200.00} XXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX  ID : XXXX XXXX PIN Debit About XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change. 
Details XX/XX/2024 @ XXXX XXXX  ID : XXXX XXXX PIN Debit About XXXX XXXX XXXX XXXXXXXX  ay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL I have an open dispute case with the BranchApp, and they are refusing to refund my money Branch Dispute Case # XXXX XXXXbranchappXXXX Also, I have attached the police report and the transactions screenshots
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report from your bureau and I am disputing the accuracy and completeness of certain information. This incorrect information is negatively affecting my credit report, and I request that it be corrected immediately. I believe 30 days is a reasonable timeframe for your investigation. Once the investigation is complete, please send me an updated credit report along with the names, addresses, and phone numbers of the individuals you contacted. 

I also request that you stop reporting these accounts as late on my credit report immediately. If this request is not honored, I may consider taking legal action against your agency. The details of the disputed information are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The car dealership XXXX  and Rayskillman are showing up as an inquiry on my credit report as I didn't authorize anyone to pull my report nor did I apply for any loans. I have contacted them on several occasions and no one has been of any assistance to have this removed.
Product: Consumer Loan

Credit Acceptance corporation are falsely reporting on my credit report which has been hurting my ability to purchase consumer products from other companies. My identity was stolen and used years ago with out my permission with Credit Acceptance 6 years ago. I filed a report and also notified them that I never co signed a loan. I was told that it would be taken care of but instead Credit Acceptance has been listening negative payments on my credit report for a vehicle I have never seen nor have any ownership of. Now it 's list repossessed on my credit report which makes it very difficult for me to get a fair rate on an auto loan. I request this this company send me all the original contracts that they said I signed or delete themselves from my credit reports immediately.
Product: Credit reporting or other personal consumer reports

This list of accounts below has violated my federally protected consumer rights of privacy and confidentiality under 15 U.S.C 1681.

Account name XXXX XXXX, Account number XXXX, Account name XXXX XXXX XXXX XXXX : Account number XXXX, Account name XXXX  : Account number XXXX, Account name : XXXX Account Number : XXXX. Account name : XXXX Account number : XXXX. Account name : DP OF EDUC Account number : XXXX. DP OF EDUC Account number : XXXX violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, 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 the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Resources
Product: Credit reporting or other personal consumer reports

I pulled my credit report and saw that the wrong address is on there for my current address.
Product: Debt collection

Diversified Consultants is misrepresenting themselves on my credit as the original owner of the debt. They are reporting me as late on payments every month, on a 6 year old debt, when the debt was with XXXX and not them. They have also re-aged the debt as XXXX XXXX when the late payment was actually in XXXX. I have contacted them and said they can not report me as late on my report but they still do every month. I was this removed from my report. Diversified account number XXXX XXXX account number XXXX I copied details below directly from XXXX : DIVERSIFIED CONSULTANT Account Number XXXX Account Type Collection Terms 1 Month Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/XXXX Balance {$1300.00} Balance Updated - Credit Limit - Past Due Amount {$1300.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX, XXXX, FL XXXX Ownership Individual Original Creditor XXXX Company Sold-to - Original Amount {$1300.00} Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

They purchased debt that was over 7 years and and already taken off my credit report. They are putting it on my credit as if it was new debt. They are trying to collect the funds for another 7 years.
Product: Mortgage

Previous CFPB Complaint XXXX resolved XX/XX/XXXX through XXXX XXXX in XXXX. XXXX no longer in that position. 

Received letter from Shellpoint that two of our mortgage accounts XXXX & XXXX would have escrow amounts added beginning XX/XX/XXXX after Shellpoint approved to remove escrow and refund escrow balance in XX/XX/XXXX. Contacted XXXX to find out she doesn't work in XXXX. She provided generic dept email to submit inquiry- never received answer beyond mailed letter that Shellpoint is collecting info. 

Our other mortgage account XXXX with several properties did not have escrow added back. 

Reason for removing escrow on our accounts is Shellpoint didn't pay taxes or insurance bills previously. We've been through several iterations of threats for lender placed insurance after proof of insurance submitted to the website they requested. 

Can not get an individual 's name to follow through to resolution. Same issue as last time.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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