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

I called USAA to initiate a deposit to my secured credit card account. After spending 15 minutes on hold, I was greeted by a representative who did n't seem to understand my request and said she did n't see any active credit cards. She then stated she could locate the account, but did n't think that I could make such a request. However, she said she would get me to the appropriate department to assist. I was then dropped back into the queue and made to verify my information for a second time. This representative was pleasant, but said she could n't assist with my request due to " system '' reasons. She advised she would get me over to the Executive Office. I was greeted by a representative who asked how he could help me. I restated my request for the 3rd time, and then was hung up on!!! This was a very terrible customer service experience. I 'm trying to rebuild my credit after filing bankruptcy, and a simple request to initiate a deposit to my CD account to increase my credit limit seemed to cause a lot of confusion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting I am late on a XXXX XXXX auto loan charged off account how can I be late 90 days 17 times on a charged off account? There also reporting account XXXX XXXX/XXXX XXXX XXXX that is wrong on a payment history Ive never made a payment to them this must be deleted there also reporting a XXXX XXXX XXXX account which is fraudulent I demand to see a signed contract or proof that this is my account giving them the right to report this! Also XXXX  XXXX  is showing Im late 90 days 20 times how can this be if this account is charged off? XXXX XXXX is reporting Im 90 days late 2 times how can this be if the account is charged off and the payment history is wrong Ive never made a payment on this account also XXXX XXXX is reporting Im 90 days late 4 times how can this be when the account is charged off Ive also never made a payment on this account also XXXX XXXX XXXX XXXX   is reporting Im late 90 days 6 times how can this be when the account is charged off and Ive never made a payment on this account also the address on file is wrong and no account is associated with my current address please show me Proof of documents when this was disputed under confirmation number XXXX conformation number from XX/XX/XXXX XXXX please show me documents used to verify these accounts also there are 6 fraudulent inquires on my file that must be deleted there fraudulent inquiries please show me proof I was trying to obtain credit how did you verify these inquires were mine I am going to sue if these arent deleted as I have proof you guys didnt do a proper investigation enclosed is a police Report and drivers licenses and social security card with police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I expressed to the dealership I did not want my credit ran multiple times. I have no knowledge of this company and trying this to get this resolve in the most efficient manner possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union is requiring two-factor-authentication and is using my email address for this process. They are not sending the email. I tired to call them but received an automated system that kept asking me fo

r my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and kept asking me for my street address and you get the point. I was going nowhere. I need a phone number with a real person to answer. I need another option for their failed two-factor-authentication service.
Product: Debt collection

Years ago, 23 years ago to be exact, I had a Discover card with a balance of {$1500.00} ( give or take ) that I always paid on. Got a statement in the mail that I had a {$3000.00} courtesy check that was made on the account. I called Discover numerous times and they told me that they would take care of it. Recently, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that I have a {$11000.00} balance/judgment with them. I called them. They told me I was taken to court in New York back in 2005 ( I was living in Florida at the time and never received notification of any court proceedings against me ). I contacted identity theft websites that led me to this one. They told me to get paperwork from XXXX XXXX   ( validation information regarding the judgment ) which they never sent me.
Product: Debt collection

Weber and Olcese, XXXX XXXX XXXX, XXXX MI XXXX ph # XXXX garnished my wages, after payment arrangements were made and agreement was made. They were notified of hardship and then proceeded to garnish 25 % of my wages. When I called to discuss the matter I was told it was too late now and that I never called then to make arrangements when I have record of such arrangement. File # XXXX I have been making {$40.00} payments for XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

showing ftc violations not removed ..

Inquires ftc 
Inquiry Date	XX/XX/XXXX
Removal Date	XX/XX/XXXX
Business Type	Federal government
Contact InformationXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX
XXXX XXXX XXXX
Inquiry DateXX/XX/XXXX
Removal Date	XX/XX/XXXXBusiness Type	Personal loan companies
Contact Information	XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX   (XXXX) XXXX XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXXRemoval Date	XX/XX/XXXX
Business Type	Auto financing companies
Contact Information	XXXX XXXX XXXX XXXX XXXX, TN XXXX
(XXXX) XXXX XXXX XXXX XXXX XXXX
Inquiry DateXX/XX/XXXXRemoval DateXX/XX/XXXXBusiness Type	Auto financing companies
Contact InformationXXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX XXXX XXXX XXXX Inquiry DateXX/XX/XXXX 
Removal Date	XX/XX/XXXXBusiness Type	Finance companies - non specific
Contact InformationXXXX XXXX XXXX XXXX XXXX, TX XXXX  (XXXX) XXXX



accounts : XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX/LA XXXX

address: not mine 
XXXX XXXX XXXX XXXX XXXX  LA XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, LA XXXX
Product: Money transfer, virtual currency, or money service

I recently began the process of refinancing my home in order to pay off credit card debt accrued during training/schooling. I owed nothing on my home and since rates are low I thought it a good time. I was able to easily obtain all needed information from all credit card companies except for PayPal. I could not access my account number for PayPal credit via secure portals on the website nor via the app. All other companies allow access to account information via secure portals. I contacted PayPal and they said the only way I could get information was via mail. It has been 8 days and still no information. I contacted them initially on XX/XX/2019 and again XX/XX/2019. I attempted to contact them XX/XX/2019 but could not get through via phone. They offer live chat but I was refused help and told to call and you can only send an email if it falls under very specific circumstances. I did some research and learned PayPal credit was sold to Synchrony Bank within the last 6-12 months. I was not notified of this. I never received a credit card and did not even realize there was a difference between PayPal and PayPal credit. Because of this holdup and PayPals inability to provide me with information that IS MINE my loan may not go through. I made the mistake of telling PayPal I needed the information to pay off the balance of the account and that my intention was to close the PayPal account. How am I able to make a payment every month and to make purchases without ever having an account number provided to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts have violated my rights. 
XXXX XXXXXXXX XXXX Dept ed XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which ante cedes the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to.a consumer to any consumer reporting agency if the person knows or has reasonable cause. to believe that the information is inaccurate.
Product: Debt collection

On the morning of X/X/2017, I was informed by my mother via text at XXXX, that a man came to my residence looking for me. He represented himself as a debt collector from Persolve LLC. This seems to be a direct violation of the FDCPA. I attempted to contact this company directly for more information, but was not able to speak to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent multiple requests this XXXX, but the accounts listed below are still reporting on my credit report and are violating Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues to report unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXXXXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1800.00}
Product: Debt collection

So the collection agency called me on the XX/XX/year>, they were calling me nonstop asking for me to pay off the balance for a mobile home I never stayed at. I told them it wasnt possible because around that time I was working in XXXX Tennessee as a nurse for a client of mines. I told them I wasnt in Michigan at the time for the person using my information as in my Ssc number. In he told me to go to the police and make an identity theft report with an officer. So I went to the XXXX XXXX police station, and told them I needed a report written up and proof I was at the station. The XXXX J.Piercy of township said he would send me a report over to my email and never did. But he did end up giving me a card with a report number on it. In once I left the police station I called the creditor in told them he wouldnt send me the report, as he stated he would. Then the creditor started to get mad at me and say well your going to have to pay it, in how it would be on my credit if I dont send him a report by the next day. So then I called up to the XXXX XXXX XXXX again and asked if they could send me a report on the incident I came up for the day prior and they kept sending to officer XXXX voicemail. So I stopped calling the officer after 3 days and the creditor continued to contact me and I literally told him I did everything he said do including sending the creditor emails of proof of everything they said to send. In I went on my XXXX XXXX account and seen it on it my account after I already sent the creditor all the proofs that it wasnt me and the XXXX report number they still continued to call me and harass me about something I continued to tell them I didnt do. It really put a dent in my social security number and now nobody will accept me any where because of the identity theft on my Ssc number. I dont know what do from here, Im homeless as we speak from this whole situation because who ever got a place in my name never paid the bill. And now Im here looking at the amount owed and cant and will not be paying it because I didnt do it from jump. I feel so humiliated and embarrassed because how could they make me feel as though I have to pay something that I didn't do. Im hoping you guys can help me because I went to every site known to get it off my credit and even had a call over 2 hrs with somebody from XXXX XXXX and experian to get it removed and its still on my account. It seems like calling XXXX XXXX and experian did nothing. Now here I am at this step hoping someone actually wants to help get this off my credit due the fact it wasnt me.
Product: Debt collection

COLLECTOR KEEPS CALLING MY DADS CELL PHONE AND FAILED TO VALIDATE, NOW MUST CEASE AND DESIST COLLECTION EFFORTS I AM DEALING WITH ORIGINAL CREITOR.
Product: Money transfer, virtual currency, or money service

I used cashapp since 2019 for business and personal. It took out many deductions for taxes and services fees I never had a problem with that but when I went to the app to get documentation and to update information I didn't receive any support. 
I also had issues with unauthorized transactions and additional fees unexpected nor explained. Cashapp dispute process wasn't accessable on the app and anytime I called for support and to fix the concern it would be an automated call. They lack real representatives to help with banking concerns and with the app in general. 
Never received a refund for all the unauthorized transactions I discussed and disputed while using their banking app
Product: Mortgage

New Rez mortgage company sent me a letter on XX/XX/year> with lender placed insurance enforcement, stating that my hazard insurance and flood insurance lapsed starting 2024, at which time they have started charging extra {$300.00} on top of my mortgage payment. 

I called them and told them that my insurance never lapsed and I have the proof, and I uploaded it into the Portal they advised XXXX XXXX They confirmed receiving everything and stated that I will be prorated. 
Then I got another letter XX/XX/XXXX, imposing Flood insurance coverage lender enforced. I would like them to return my money they have been illegaly charging my account. 

Thank you for taking care of this issue. Unfortunately I am not able to get through their consumer service as I am placed on an infinite hold. 

XXXX
Product: Credit card or prepaid card

I called customer care because I noticed an incorrect minimum payment due of {$63.00} but my minimum is always $ XXXX/month and I've never been late for my XXXX  credit card. I spoke with XXXX ( ID : XXXX ) and explained that i was in the hospital and as soon as i was released i submitted payment but I also let her know I had called in and told them about the surgery. My account was assesses a {$28.00} late fee which is incorrect. XXXX was able to reverse the late fee but was unaware of how to ensure there is no late reporting to my credit report nor was able to reverse the minimum payment of {$63.00}. She said she could not guarantee the balance would be corrected nor would she able to ensure I would not be charged a new late fee because I refuse to pay the extra {$23.00} after I made a payment of {$40.00} already.
Product: Debt collection

On the date we scheduled the oral XXXX, we paid our portion that was owed for XXXX. They billed the insurance for the remainder. We never heard from the doctor again, and now have received a collection notice when we were told that the out of pocket we paid covered everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am opening a new complaint, as the first one submitted was disregarded, once again, which is the basis of the complaint in the first place. I want the accounts in question to be removed due to the bureau 's lack of response, and subpar response of " we don't believe this is you ''. WHO ELSE WOULD IT BE????
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to access the TransUnion Website (https://www.transunion.com) on XX/XX/2019 to obtain a free copy of my credit report. I followed the links on the website to what I believed were the steps required to have TransUnion pull a copy of my free credit report. However, I was charged $XXXX. Nowhere was I shown a confirmation that I would be billed or what my credit card number would be used for. The website was deceptive and difficult to navigate. After searching for about 30 minutes and multiple web searches, I finally was able to cancel my subscription. I then tried to call TransUnion to dispute the charge but I was never able to get anybody on the line after waiting for upwards of 30 minutes.
Product: Money transfer, virtual currency, or money service

I received fund through paypal. But paypal decided to permanently disable my paypal account with no refund, withdraw or send option, they have forcefully trapped my money for 180 days in their website without my consent, note that i verified my paypal account with XXXX  and as well uploaded all my legal documents to their website. This is illegal! 
I need either to refund or withdraw the my cash. 
Thank you
Product: Credit reporting

Experian still has showing on my credit report an unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/2014 after they stated it was not showing on my report. I need for this unauthorized inquiry be removed once and for all.
Product: Student loan

Asking for payment history information and being sent another link that is excessively time consuming and inconclusive. 
Asking about changes in the loan service providers and why my balances are still the same for XXXX and Great Lakes and not receiving a good explanation. 
Asking why my payment histories and current loan balances do not add up and not getting a valid response after two hours on the phone. 
Being told the reason for the math difference is because of interest which is not accurate ( the reason I consolidated specific loans is because it would save me money in interest, not the opposite ).
Product: Checking or savings account

Ive been a navy federal Credit union member for years and Ive always had an issue with them taken so many drafts fees from my account. This has taken a toll of my finances tremendous. Every time I would cal them they had an excuse of why they took the fees. I thing it is about time they are being held accountable for taking advantage of their customers.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. [ XXXX XXXX XXXX XXXX XXXX XXXX ], [ XXXX XXXX XXXX XXXX ]. Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

This is my third dispute attempt to remove, delete, block this XXXX  from my credit report. XXXX has already complied and removed the XXXX  date filed XX/XX/year>. Equifax and XXXX has refused to remove the XXXX  after I have provided the laws protecting me as a consumer by the FCRA stating why the XXXX  should be removed. Equifax and XXXX are in violation of the law and also violating my rights according to the guidelines provided by the FCRA, I also contacted the Court which filed the XXXX  asking If any information or documents were submitted or released to any Creditor, Credit Bureau, XXXX XXXX, and their response was NO..!! I have attached a copy of this letter with a copy of my third Dispute Letter, Copy of my Drivers license, and current utility bill.. Equifax and XXXX do not have my authorization, my signature, consent or any proof the court has provided this XXXX  to them. I have also informed Equifax and XXXX that if the XXXX  is not removed, blocked, deleted from my credit report, I will find legal counsel from a attorney.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 


Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX
Product: Debt collection

Ally Financial is reporting false information to my credit report. They are reporting a charge off that was already paid off and i have the proof that the vehicle was paid.
Product: Mortgage

I have tried on several occasions roughly last 5 years to try to get a reduction in my mortgage rate or in one of the Home Affordable Refinance Program. I have even tried to apply for other help mortgage programs with the lender and have been unsuccessful. I have requested my loan paperwork and my loan was transferred to my current mortgage company and I have noticed it was changed from XXXX to XXXX. I have contacted the loan officer and was told she had some issue with her partner who misappropriated some funds and may have tampered with that paperwork. I am also currently own more on my loan than the house is worth. I am looking for any help possible.
Product: Mortgage

On XX/XX/year>, home damaged by tornado and uninhabitable. Home has conventional mortgage with XXXX  loan # XXXX. Initial forbearance request was provided false information and forbearance setup accurately after complaint submitted through CFPB ( see previous closed complaint ). Payments for XXXX, XXXX & XXXX were in the plan period and late fees & credit reporting removed per notice from XXXX. When calling XXXX, I was informed that underwriting was reviewing the loan to update the terms of the contract. 

During the period & after XXXX, I continued to contact XXXX to request updates from underwriting. I also attempted to make payments for XXXX & XXXX but was declined by the call center reps because they stated I had to pay in full even though it is in forbearance. They refused to take the payments and apply to XXXX & XXXX. 

XXXX the loan was transferred to XXXX XXXX. Up until then, I continued contacting XXXX to confirm status of loan and was told multiple times there are no issues, still in Underwriting to complete the updates to the loan & that XXXX would continue through to XXXX XXXX if not completed by the time of transfer. I was told on multiple occasions that the policy was in forbearance and in XXXX, no action required. 

Now there have been XXXX late payments reported by XXXX for XX/XX/year> on my credit report, negatively impacting. I have never had a late payment on any of the 10+ loans I have had or the then active 7 mortgage loans I had with XXXX XXXX the time.
Product: Checking or savings account

I have been charged over {$700.00} in fees in the past 30 days and TD Bank will not do anything to either reverse 1/2 or all of the fees. 
Though they made suggestions to me on how to fix the problem, I followed through and did so, still they will not work with me about the excessive fees. 
District Manager claims to have called me however I never got a call from him whatsoever.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose