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

USAA has failed to properly train and verify their agents ability to handle financial transactions Or any form of account management. I can directly prove that USAAs agents do not meet basic criteria required to be doing their jobs, resulting in severe financial issues as well as problems insuring vehicles. 

I have been using USAAs banking for over a year in addition to having used their car insurance most of my life. Throughout my entire lifetime, USAA has failed to provide a single agent who is capable of understanding the USAA app, basic financial terminology/functions, or resolving any issue whatsoever. I can prove this through documentation. 

As both a financial institution, and a car insurance provider, USAA is required to provide agents who are capable, properly trained, and properly certified, to be handing financial accounts and transactions. Every single interaction or issue I have had with USAA has caused me to have to email the CEO directly in order to get any basic form of customer service, from someone who is competent enough to understand basic English. 

XXXX is advertised through various emails as belonging to the CEO. I have had numerous issues with this institution, and had to escalate all the way to emailing that address directly. Every time somebody calls, they identified himself as having worked in the CEOs office. 

There are numerous emails and phone calls from me that will prove this, that I have emailed XXXX numerous times in order to resolve basic issues- Such as getting an agent who is competent at a basic level. 

Because all of these interactions and issues have had to be referred to the CEOs office instead of customer support directly, repeatedly, USAA is in violation of federal law. USAA is not providing proper customer support to handle all of the financial accounts and transactions it needs to. My emails and correspondence With the CEOs address and the CEOs office will show that every issue I have had needed to be resolved by the CEOs office - Thus proving that customer support does not exist At the level USAA advertise it. 

USAA will explain why they are failing to hire competent agents. They will also explain why they are forcing me to bypass customer service and take extra steps- Beyond what all the other customers have to do - in order to get basic financial service for my financial accounts. This is not the customer service that was portrayed and advertised to me through various means.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my recent credit report I found several inquiries in which I never authorized and request the prompt deletion of them. I am listing those inquiries below for your convenience. 
XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX XXXX - XXXX on XX/XX/XXXX TRANSUNION - XXXXXXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX TRANSUNION - XXXX XXXX on XX/XX/XXXX TRANSUNION XXXX XXXX XXXX on XX/XX/XXXX TRANSUNION - XXXX on XX/XX/XXXX EXPERIAN - XXXX  XXXX on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report this morning, and Im extremely frustrated because I have no idea why they are there. Despite refreshing my browser multiple times, the discrepancies remained. I urgently request a thorough review of the documents I submitted to ensure this issue is resolved permanently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has continued to report an account that has been charged off for the past several years to the credit reporting agencies repeatedly every month as a non-payment. The amount owed that they are reporting is also erroneous. This action is clearly illegal since it is a " charged off account ''. They are also charged with reporting accurate information and their records are not correct. I have sent several requests to XXXX and to the credit reporting agencies to no avail. The credit reporting agencies simply send a request for validation to XXXX who in turn sends a validation of debt to the bureaus and the information is regenerated on my credit reports. 
XXXX and the credit reporting agencies ( XXXX, Experian XXXX XXXX ) have improperly validated my debt which is a violation of 15 US Code 1692g-Validation of Debts.

This incorrect information has hindered my ability to obtain credit on several occasions.
Product: Debt collection

RISE has reported this account on my credit report in the amount of owing {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I contacted XXXX XXXX about switching service to my new residence. Due to a disagreement over charges involved I told them to cancel service. I continued recieving bills for the service at my old address, which I still owned but was vacant and did not have any of their equipment to recieve continued service. This went on for htree months, accumulating a balance of over XXXX XXXXXXXX XXXX Finally the bill ws reduced to XXXX XXXXXXXX XXXX which I contested with them and they verified my phone call in XXXX. I was told that they would investigate the recording of the call to verify information discussed. Next thing I know, I begin recieving bills from a collection agency. When I contacted XXXX about it, all that they could suddenly tell me was that the account was sold. When the collection showed up on my credit report, I filed a dispute and it was removed. It reappeared later in another companies name, and was again removed when I disputed it. Now it is on again under a company called Waypoint Resources and they refuse to remove it. My argument with this situation is that the debt was never verified by the original debtor, XXXX, when it was sold into the collection industry and is now being passed from company to company. These collection companies have no idea whether this was originally a legitimate debt or not. I can not get any more information on the account from XXXX as they considered it out of their hands when sold. I feel that XXXX should have finished their investigation as promised and supplied me with transcripts of the phone call which they said was recorded. I also feel that an agency buying these accounts should have some responsibility to verify their legitimacy. All I want is to have this collection permanently removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

While reviewing my credit report there are hard inquiries that I do not recognize. 

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

This is not a regular dispute. Take action immediately you are in violation. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that 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 have been disputing a collection account for XXXX on my credit report for months thats not being reported. The debt collector is increasing the balance every time I submit a dispute and every month when they report the balance is being increased. I have submitted a dispute these last few weeks asking the credit bureau to send proof of validation but each time they send back saying that the information has been updated and proven to be accurate with no proof.
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and Transunion data breach.
Product: Debt collection

I do n't have any recollection of this debt. I sent a debt Validation letter to the collection agency and received no response. The letters were sent in XXXX XXXX. All I wanted was this debt to be remove from my credit report as I do not owe it! The amounts were {$210.00} from progressive, {$130.00} from The general insurance and {$220.00} from the general
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion should not be reporting that I am ( 30 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Mortgage

On XXXX XXXX, I received a letter from my Select Portfolio Servicing dealing the events in regards to the loan servicing of my loan. What they indicated was as follows. My taxes were sold and were not paid because they felt it would be a loss etc. What they did not indicate is in XX/XX/XXXX I was in a active Special Unemployed Loan Modification and I faxed and spoke with them in regards to not being able to make my XXXX installment payment. Reason was it was a delay in my XXXX benefits on XXXX XXXX. According to the RESPA Guidelines Program for loan servicing amendments. The SPS was suppose to do any means possible to assist me in stating in my home. I did have a hardship and SPS failed to extend my hardship being unemployed per RESPA Guideline and additional 60 days which would be me at XXXX XXXX doing the time they received notice of my unemployed hardship, On XXXX XXXX why were my taxes sold when SPS new I was in a active modification and within my 60 day grace period for unemployed borrowers protection per RESPA loan servicing rules for Loan Servicing Guidelines for Unemployed borrowers. I was also in a active foreclose case filed in the United States District Court for the XXXX District of Illinois XXXX Division docket number XXXX XXXX which had never been dismissed when my taxes were not paid by SPS. As of today 's date the case still has not been dismissed against me. I was lead to believe that SPS was working with me since I was trying to save my home. My PI payment was {$870.00} per month and my Loan Mod payment was around {$1200.00} per month. Why that did not cover my taxes which would have protected me from loosing my home. I do n't understand the life of me. I was under the impression by entering into this modification I would be fully protected not to loose my home. SPS voluntarily to pay {$290.00} of escrows per my statement attached. However they failed to pay the other tax years. SPS has made a ERROR on the RESPA amendment to the loan servicing guideline that President Obama put inplace to assist borrowers like myself. Now I have lost my home. I have been talking with the tax buyer they are willing to sale me the home but their are no programs for me to be approved for a loan to buy my home back at this time. If SPS had not made the ERROR in the RESPA loan servicing. I would have still been able to save my home with all the great programs President Obama have to help borrowers like myself. Please see attach documents and assist by calling the tax buyer paying off my taxes per notice SPS received on a {$95000.00} federally related mortgage conventional loan that taxes were not paid because of the economy per SPS. That was no EXCUSE.
Product: Checking or savings account

I signed up for XXXX XXXX XXXX  on XX/XX/XXXX. The first time I was ever notified of any XXXX 's to review was XX/XX/XXXX. I approved them and saw between XXXX - XX/XX/XXXX I had 11 XXXX  payments blocked by the bank claiming I did not review them. I was never notified. I also log in multiple times a day to check for any pending reviews, and nothing. This has caused me to lose other credit accounts. Bank refuses to acknowledge their error when all I need from them is a letter stating this error. Because of me losing my other account, it impacted my credit in a negative manner and can no longer qualify for my mortgage. After this, my next call is a lawyer.
Product: Vehicle loan or lease

I got a car XXXX XXXX and since I've gotten the car it's been nothing but issues. Santander is the lending company I've been dealing with. I'm on a fixed income and have talk to multiple people about it. I pay what I can and sometimes pay multiple times a month but the late fees seems to be either the same or more than the actual note. Lately they have been calling and threating repossession. Ive talked to them about what i need to pay to get my car out of repossession and I have been able to pay that amount. There is a 3 day holding when I pay. When I get the confirmation that I paid the calls stop but as soon as they take the money out of my account they are back calling me saying my car is up for repossession. I have tried multiple times to talk to somebody about help and they constantly deny me. Then when I find someone who is willing to give me the information I need to fix it. I get a call from someone else back telling me that I need to pay the full balance immediately.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

also calling me at work now. the medical bills are part of a lawsuit and I can not pay until i settle with defendant.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I have the rights to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for unlawfully reporting unauthorized accounts on my consumer report. My name is XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX. 

I have NEVER granted Equifax written permission to place ANY information on my credit profile, and their actions are not just reckless ; they are a blatant violation of the law. 

15 USC 1681b Permissible Purpose of Consumer Reports explicitly states that a consumer reporting agency may furnish a consumer report only under specific and lawful circumstances. Equifax has NO permissible purpose to contact third parties with my private or personal information. Their egregious conduct constitutes Aggravated Identity Theft under 18 U.S.C. 1028A, as they have knowingly and unlawfully transferred, possessed, or used my means of identification, which is a FELONY punishable by up to two years of imprisonment, in addition to civil liability. 

I DEMAND immediate verification of the alleged debt, including a copy of any contract or agreement wherein I supposedly entered into any obligation with the head of the child support agency. This document MUST bear the signatures of all parties involved. Equifax is ILLEGALLY attempting to collect a debt that I DO NOT owe.
Product: Consumer Loan

My auto loan with Capital One Auto Finance was Charged Off effective XXXX XXXX, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. 

The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future date. 

Their representative would call me within a week prior to my promise date ; several times daily, and demand payment in lieu of our payment plan. I 'd inquire if my account was notated with the promise for payment. They would give me inconsistent responses, either our arrangement was notated on my account and/or it was n't on file. 

This miscommunication happened several times, and several times I 'd escalate the call to a Supervisory or Management level. I would explain my discontent with their untimely collection practices for payment prior to our agreed upon promise date for payment. I ultimately requested only written correspondence per my auto loan details. 
Please note that my Charged Off auto loan affects my ability to obtain employment with a prospective employer. An new hire opportunity for myself is contingent upon resolution of the Charged Off loan.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax and XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXRemoved erroneous bankruptcy after complaint XX/XX/2023. 
XXXXRemoved erroneous bankruptcy subsequent to removal by XXXX and complaint XX/XX/2023. 
TransUnion and XXXX refuse to remove and REFUSE to provide their proof.
Product: Debt collection

Creditor info : SYNCB/AMAZON XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  There's XXXX of these on my XXXX XXXX and I have no idea where they've came from. I've been XXXX XXXX XXXX