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

I have been a member of USAA since the early XXXX. Approximately XXXX years ago, following a divorce and a failed business, I filed bankruptcy. XXXX of the debts included in the bankruptcy was my USAA credit card with a remaining balance that was under {$3000.00}. Intent on trying to turn things around, I signed up to monitor my credit through USAA 's partnership with XXXX. However, soon thereafter I tried to log onto my USAA account and I received the following message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. ( XXXX ) '' The link took me to a limited and cumbersome USAA Web site and I was no longer able to access my XXXX credit monitoring account. The Web site also gave me limited access to my USAA Automobile Insurance policy and my USAA Auto loans ( which I continued to pay and reaffirmed in the bankruptcy - so USAA did not lose anything on those XXXX loans ). 
I wrote a letter to USAA ( attached ) stating that it seems the only purpose of displaying this message in bold red and redirecting members to a limited and cumbersome Web site is purely punitive and to humiliate its members further. There is no benefit to USAA. It is only a punishment and a humiliation for someone like me who had no other option following a divorce and failed business venture. So every time I log on to make my car payments or to pay my insurance bill or to access some other service at USAA, I am further humiliated. If this is USAA 's purpose and goal, then it has succeeded - I am further humiliated and reminded of my failure a few times each month. 
I received a call responding to my letter - no one wrote back. I was told that the reason for the limited Web site was so that USAA would not inadvertently extend any further credit to me following my bankruptcy. This makes no sense. They could refuse to extend additional credit to me without redirecting me to a cumbersome Web site and displaying the humiliating message. I am also a member of XXXX XXXX, and had to include a debt from their company, but they do n't display humiliating messages or redirect me to some cumbersome Web site. It seems the only reason for USAA to have this policy is punitive.
Product: Credit reporting

XXXX was deleted from my credit report on XX/XX/2016 and has been reinserted without any notification. Additionally, Equifax claims this account is still under investigation as of XX/XX/2016. I 've called Equifax to remove the item & they 're claiming they ca n't because it 's still under investigation. I 'm including the results from my original investigation which shows the account was deleted. I need this removed from my records IMMEDIATELY!!! This is a gross violation of the FCRA & I 'm entitled to {$1000.00} for this violation. Please see this matter is resolved NOW!!!
Product: Credit card or prepaid card

I have two credit cards with Capital One, and my oldest card had two unexpected interest rates on the last twelve months without my knowledge. 
I got this card XXXX, XXXX and the interest rate was 26.99. 
In XXXX, XXXX my interest rate went up to 28.49 % and by XXXX, XXXX my interest rate went up again to 31.24 %. 
I was never informed by Capital One that my interest rates were periodically increasing and in less then two years my interest rate with card has increased 4.25 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled my debt with Santander consumer in XXXX of 2021. During the process I was told that my account would be removed from my credit report following payment, as it is reporting delinquent. I had submitted multiple disputes through all three credit companies with supporting documentation. The reporting has been removed from my XXXX report but not from XXXX and XXXX. Beyond the settlement, Santander was subject to a lawsuit that agreed to delete defaulted loans, in which my loan meets the criteria. I am under substantial emotional stress as a result of this delinquent account.
Product: Credit reporting or other personal consumer reports

I found inquiries on my report that do not belong to me
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up Complaint Regarding Verification of Fraudulent Account AND FINAL WARNING FOR INMEDIATE REMOVAL ACCOUNT To Whom It May Concern, I am writing to formally follow up on my previous complaint regarding the failure of [ Credit Bureau Name ] to remove fraudulent accounts from my credit report. Despite my submission of a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ), [ Credit Bureau TRANSUNION ] has claimed that the disputed accounts have been " verified. '' The following fraudulent accounts remain on my credit report, which I have previously identified as resulting from identity theft : XXXX XXXX account ( XXXX ) Date Opened/ Reported XX/XX/XXXX XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681a ( 4 ) : Protects my privacy rights by ensuring that my credit information is accurate and not misrepresented.

15 U.S.C. 1681b ( 2 ) : Details permissible purposes for accessing my credit report, indicating that only authorized parties can access my information.

15 U.S.C. 1681i : Requires credit reporting agencies to conduct a reasonable investigation when information is disputed.

Additionally, I am invoking 15 U.S.C. 609 ( a ) ( 1 ) ( a ) and 15 U.S.C. 609 ( a ) ( 2 ) to request the removal and to demand proof of its verification. Section According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Furthermore, under 15 U.S.C. 1681c-2, credit reporting agencies are mandated to block information identified as resulting from identity theft. The claim of " verification '' does not satisfy these requirements, and it is evident that [ Credit Bureau Name ] has not conducted a thorough investigation, nor have they taken the appropriate actions to remove this fraudulent information.

I also believe that the actions of [ Credit Bureau TRANSUNION ] may constitute a violation of the Truth in Lending Act ( TILA ), as they have failed to adhere to the obligations concerning accurate reporting and consumer rights. 

I request that the CFPB investigate this matter further and take necessary actions to ensure that these accounts are properly deleted from my credit report. I also seek guidance on the steps I can take to protect my rights as a consumer in this situation. 
Thank you for your prompt attention to this ongoing issue. 

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

I am writing to file a complaint against this credit reporting agency for persistently reporting inaccurate information despite my repeated attempts to dispute and correct the errors. The credit reporting agencies ' actions have violated my rights under the Fair Credit Reporting Act ( FCRA ) and I am seeking your assistance in rectifying this matter. 
I have been diligently monitoring my credit reports and have noticed that they are continuing to report inaccurate information regarding my credit history. I have previously filed disputes with them to rectify these errors, providing all necessary supporting documentation. However, the agency has failed to conduct a reasonable investigation as required by the FCRA and has neglected its obligation to correct the inaccurate information. 
FCRA Rights Disregarded : The right to have inaccurate information corrected promptly ( Section 611 ( a ) ( 1 ) ( A ) ) The right to a reasonable investigation of disputed information ( Section 611 ( a ) ( 2 ) ) The right to receive written notice of the results of the investigation ( Section 611 ( a ) ( 6 ) ) The right to delete or modify inaccurate information ( Section 611 ( a ) ( 5 ) )
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress these violations.
Product: Prepaid card

I received XXXX {$100.00} and XXXX {$500.00} American Express Gift Cards for the holidays.I have relentlessly trying to use them at least XXXX - XXXX in person and online retailers, every time the {$100.00} Gift Cards get declined. The {$500.00} gift card gets declined most of the time, but I am unable to use the remaining balance. I have reached out to XXXX multiple times. There has been no resolution. I am owe a total of {$490.00} ( {$300.00} in XXXX {$100.00} gift cards and {$190.00} in the remaining balance of the {$500.00} Gift Card.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft in 2017 my car was broken into my wallet was stolen along with some of my personal items.
Product: Debt collection

There is a account on my credit report with Synchony Bank /Pay Pal which I have no knowledge about. I have never had an account with PayPal Credit. I have called and spoke to many people and no one can give me any information about this account except to say it looks like fraud. I have disputed this with the credit reporting companies and from what I understand that's all they do is verify account name address and personal information, they don't ask or verify whether or not the charges are legitimate or not. 
I have no knowledge of this account and it's difficult to obtain any information on the charges for this account. Also, if I may state this company has two accounts on my credit report with the same information.Thanks
Product: Student loan

I called Navient ( XXXX XXXX ) to see my options regarding reducing my interest rates ( 9.75 % and 5.25 % respectively on my XXXX loans ). I explained that my reason was I had received an offer from a competing institution to consolidate my loans under a much lower/fair rate. However, the " manager '' I eventually spoke with ( employee ID XXXX ) told me that they do not care if I left, they do not need to adjust their rates and they do not alter the term of the contract ( oh, but I could extend the loan to lower the payment instead-would I be interested in that? ). I explained I wanted to simply understand what my options were for lowering my interest rate at Navient rather than completing all the paper work for paying off the loan through a different finance company. Instead, I was surprised to hear him tell me that he did n't care if I left, Navient as a company does not need to lower my interest rates. Yet my contract states it is a VARIABLE interest rate, so it seems to me that Navient 's position is that they can raise the rates whenever it is beneficial for them, but will never lower them.
Product: Credit card or prepaid card

I keep getting an email every month saying that my statement is undeliverable. My account login has ALL my business and personal credit cards and all the contact info is the same. I should be getting my statement through email and I don't know why I keep getting this notice?
Product: Payday loan, title loan, or personal loan

I had a small account with Affirm to pay 4 installments for shoes from XXXX. The shoes were paid off as expected but afterwards money continued to be withdrawn from my checking account under the name XXXX XXXX XXXX. The prior account with them was withdrawn without listing my name on my statement. I did not realize that odd amounts were steady being withdrawn from my checking account until the latest withdrawal on XX/XX/XXXX. My bank reimbursed the past 2 months of charges, but I have not received a response from Affirm for the remaining money fraudulently taken from my account since XXXX, XXXX. I sent a letter to Affirm which they received on XX/XX/XXXX by XXXX XXXX. The account number for this was given to me by a customer service representative, but I was unable to file a complaint online because something did not match. For that reason i chose to send documents to Affirm XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX. Number given to me was XXXX. I do not have an active account with Affirm since purchase of shoes from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reached out to equifax about unknown inquiries on my credit report I advised them that the inquiries all happened while having the XXXX year extended fraud alert on my profile they stated that can't remove them I reference them to FCRA that they should be removed because they did not have my permissible use. I have attached a copy of the inquiries that I disputed and were not removed ;
Product: Mortgage

I require the official amortization schedule for my loan from XX/XX/year> to the full term of the loan.
Product: Debt collection

This is the second Cease and Desist letter that I have sent to   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on   XXXX   XXXX  , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by JP Morgan Chase who is not a party to my Adjustable Rate Note and my Deed of Trust.
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX solicited one of my companies for an XXXX XXXX XXXX XXXX, which my business received. Our business was exclusive to XXXX, so we had no other revenue source but our revenue was already $ XXXX in the first 6 months. However, XXXX abruptly and without any explanation closed our XXXX store and suspended our account. Therefore, my business could no longer afford to pay the loan until we resolved the matter with XXXX, who still owes us over XXXX XXXX XXXX XXXX explicitly told me and one other equity owner of this business that the loan was NOT PERSONALLY GUARANTEED and I provided two separate emails with XXXXXXXX  employees assuring us that only our business credit would be effected if we defaulted. I provided this proof to all 3 bureaus and demanded removal of the charge off showing on my credit and all 3 STILL have this on my personal credit report, which has reduced my credit score from XXXX to XXXX! I need this removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit file on XXXX XXXX, 2017 and found several mistakes. Some of which I was unable to dispute online because there is no option. 1. My employment information had n't been updated in 3 years. 2. None of my previous employment was listed except for 1 item. It shows that I only had 1 job. 3. My current and prevous address are mismatched. There is no way to request a dispute for that to correct it. 4. Items that are paid as agreed with no past due or {$0.00} balance are listed as negative and not paid as agreed. Again another item for which there is n't a good way to dispute.
Product: Credit reporting or other personal consumer reports

I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

1 ) Provide breakdown of fees including how you calculated what you claim I owe.

2 ) Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX account # ending in XXXX XXXX XXXX  account # ending in XXXX XXXX XXXX XXXX XXXX account # XXXX
Product: Student loan

I have a received a bill for {$320.00} in 2021. When I graduated from Lincoln Tech they told me everything was taken care of until I received this bill. It hasnt even been one year and I was put in collections. I was even paying little just to not get put into collections. I dont understand how you can put a student loan in collections just for a few months and now it has hurt my credit score. I need this to be out of collections.
Product: Credit reporting or other personal consumer reports

This account was opened on the following date : XX/XX/2023 There are no on time payments from XX/XX/2023 to XX/XX/2023. This is inaccurate payment history reporting. I should have active payments XX/XX/2023 to XX/XX/2023 this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. XXXX, Equifax failed to investigate this account properly after! repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Accounts Name - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX ACCOUNT # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I LOOKED AT MY CREDIT REPORT BACK ON XX/XX/XXXX AND NOTICES SOMETHINGS ARE INCOMPLETE AND NOT ACCURATE AND ACCORDING TO THE FAIR CREDIT REPORTING ACT .when ever a consumer reporting Agency prepares a consumer report it shall follow reasonable procedures to assurance maximum possible accuracy of the information concerning the individual XXXX XXXX XXXX whom the report relates Auto insurance claims with incorrect inaccurate XX/XX/XXXX Lexisnexis consumer center CONSUMER NUMBER XXXX IS NOT COMPLETE AND ITS NOT ACCURATE XX/XX/XXXX Lexis nexis consumer center Consumer Number XXXX Is not reporting correctly asking them to reinvestigate this account .. so I requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 usc1681i7.

THE CLUE REPORT IS REPORTING IN ACCURATE INFORMATION ON MY CLUE REPORT I NEVER RECIEVED ANY TICKETS THE INSURANCE COMPANY FASLEY REPORTED FALSE INFORMATION RESULTING XXXX XXXX  ON MY INSURANCE PROFILE.

They also violated 15 usc 1681i ( 5 ). 
Can you look into this matter.
Product: Debt collection

( Collection ) Lvnv funding llc never owned account never had utilities with them asked for proof such as proof of identification of id or social security card never received also all inquiries are not mines I have not shop for car loans
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ACCOUNT NAME : XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX, account XXXX  XXXX, ) I amAttaching identity and proof of address. Also, there are inaccuracies reporting to these accounts.
Product: Credit reporting or other personal consumer reports

Last month, I was charged {$14.00} by Experian Credit Monitoring Services for their credit monitoring system. I never signed up for this service. In fact, they charged my brand new checking account that in no way was given to them -- not even all of my bills and subscriptions have my new account yet. 

I actually deleted my membership account on XX/XX/XXXX ( confirmation email attached ) because I have credit monitoring for nearly all major credit cards. I, myself, never enrolled in their service and never got a confirmation email of the paid enrollment. So not only was it not actually deleted, but somehow I was automatically enrolled and charged for the credit monitoring service. 

I called them and their automated system does not have a pathway to dispute membership charges or even information on how to delete the account. I asked for an agent dozen and dozens of times and was told by the automated system that I only can speak to an agent for specific things ( what those were, they never said ), even though it's within their business hours. I can't even remove my debit card information from their site so it doesn't happen again. 

So I am filing this complaint not because of a fraudulent charge, but because they never actually deleted my account, and somehow got my brand new checking account information. Why would I update my billing information if I thought I deleted my account in XXXX? 

I sent them an email, so hopefully I am able to get some further information, but I am disgusted that I am now a consumer with one of these nightmare experiences with a large corporation. Thank you for reading and accepting my complaint. Please let me know if you need any additional information. 

I have attached the email that confirms my account deletion in XXXX. A screenshot of my Experian existing account, which shares the same email of the account that was supposed to be deleted ( showing they never actually deleted my account ), and the charge that occurred in XXXX. 

Thank you for receiving my complaint. 

XXXX XXXX XXXX XXXX
Product: Debt collection

On the paperwork they sent me it says I purchased my car at XXXX XXXX XXXX XXXX  and I actually purchased the vehicle from XXXX XXXX in XXXX. The address on the application is false I havent lived at XXXX XXXX  at for 15 years. Theres a lot of incorrect info on this car loan. Theres some kind of scam going on between that dealership and other places. Look into this matter asap