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

I am a longtime USAA member. For years, my husband and I have used USAA checking accounts to pay our bills, including mortgage payments. 

USAA has several features for members, including bank-to-bank transfers ( between USAA to/from external banks XXXX, XXXX, and mobile deposits of checks. USAA does not have a brick & mortar location, so the only other way to deposit checks is by mailing it a po box in Texas ; the deposit time can then take up to a week. 

I attempted to deposit a {$11000.00} check that I received on XX/XX/XXXX through the USAA mobile app. I was unable to do so because the USAA app stated my deposit limit was {$1000.00}. I needed the money sooner, so I deposited the check into my XXXX XXXX XXXXXXXX checking account. 

Today, XX/XX/XXXX, I attempted to move the funds from my XXXX XXXX  XXXX account to my USAA checking account. When I attempted to initiate a bank-to-bank transfer, the mobile app and online banking interface indicated my transfer limit was {$0.00}. 

I called USAA, which told me that an " EXP '' code had been placed on my account because I had a returned check deposit in XX/XX/XXXX. The USAA representative stated that this code was added automatically by the system, could not be removed by anyone at USAA, and would remain on my account for 6 months ( until end of XX/XX/XXXX ). During that time, the USAA representative told me that I would be unable to : initiate any XXXX transfers from any USAA accounts, conduct any bank-to-bank transfers ( of any amount ), send any wires from my USAA accounts, or deposit any amounts greater than whatever the USAA alogorithm determined was permissible ( {$1000.00} ). The representative was not able to initiate a bank-to-bank transfer from any of my verified and linked external bank accounts to a USAA account and stated there was nothing USAA could do. 

I am filing this complaint because I never received notice that an " EXP '' code had been placed on my account, was never given any redress, and I believe that the restrictions on my bank accounts are excessive, given that the returned check was for less than {$200.00} and I have over {$30000.00} in my USAA accounts. Further, the restrictions extend to activity that has never been an issue -- I have never had a bad external bank-to-bank transfer, never sent a bad wire, and never had a bad XXXX transfer. 

There is NOTHING on my USAA account that indicates why the bank-to-bank transfer, XXXX or wire functions do not work. I only learned by calling and spending significant time on the phone with 2 reps. Online and on the app, USAA 's XXXX just gives me an error, and the bank-to-bank just states that my limit is {$0.00}. I had not intended to deposit a check that would be returned -- that was a mistake on my part. 

I asked USAA what I could do to get my money over to USAA, which is where all my mortgages pay automatically from. They suggested I do XXXX transfers a week via XXXX ( limit of {$2500.00} ) for 5 weeks, or write checks for {$1000.00} to myself. I am very upset. When I asked how I could move my money out, they said I couldn't wire any. So I can't even get my money out of USAA.
Product: Debt collection

CBE Group keeps calling saying they are calling pertaining to a personal matter and want me to confirm the last four digits of my social. I refuse because i don't know why they are calling and they won't tell me until i confirm my social. I haven't received a letter from them and will not provide my info over the phone because i don't know if this is scam. I do not owe anyone so i believe this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I filed a report with the Federal Trade Commission ( FTC ) for fraud. Following FTC guidelines, I immediately contacted my bank via phone for assistance with recovering {$3900.00}. I informed that the {$3900.00} were with the Citi XXXX service as one transaction of {$1900.00} on XX/XX/XXXX and a second transaction of {$1900.00} on XX/XX/XXXX. I was transferred to the department under which Citi XXXX XXXX is under and and Citi staff. Citi staff assured me that given services were never provided, Citi would post a provisional credit to my account in 10 business days and that after 45-90 business days I would receive final documentation for the report of fraud. I was provided with a reference number for my report. I received a letter from Citi electronically on XX/XX/XXXX assuring my fraud report was received and would be processed. Ten business days passed and the provisional credit did not post as Citi staff had assured on XX/XX/XXXX. I received a second letter from Citi electronically on XX/XX/XXXX ( dated XX/XX/XXXX ) that the {$3900.00} would not be recovered by Citi, contrary to what was communicated and noted on XX/XX/XXXX. The proposed alternative by Citi was followed.
Product: Debt collection

An account was opened with StellarFi without my consent, and the company was not authorized to take payments from my account. Despite this, I have been charged an outstanding balance of {$50.00}, which includes : XXXX XXXX : {$0.00} on XX/XX/XXXX Progressive : {$50.00} on XX/XX/XXXX I do not have an account with Progressive, and I informed StellarFi of this via email in 2023. Additionally, I have been emailing the company for over a year requesting that they close the unauthorized account, remove the charges, and correct any negative late payment reports on my credit file. However, they have failed to act on these requests. 

Actions taken by me : Contacted StellarFis member support to dispute the unauthorized account and charges. 
Informed them via email in 2023 that I do not have an account with XXXX and asked them to remove the charges related to it. 
Requested documentation showing how and when the account was opened, as well as proof of authorization for the transactions. 
Actions taken by the company : Paused the account but continued to report an outstanding balance of {$50.00}. 
Failed to address my repeated requests to close the account, remove charges, and correct the negative reports on my credit file. 
I am seeking immediate resolution of this issue, including : Closure of the unauthorized account.

Removal of all charges and any associated negative payment reports. 
Written confirmation that my credit file will be corrected and no further actions will be taken against me.
Product: Credit reporting or other personal consumer reports

I was completely stunned to see incorrect accounts appear on my credit report this morning, and I have no idea why. I check it regularly, but this time, there were mistakes that seemed to come out of nowhere. I even refreshed my browser just in case it was an error, but nothing changed. Im really concerned, and I hope that the documents Ive provided will be looked at carefully so I can finally have peace of mind.
Product: Credit card or prepaid card

Each time I apply for a AMEX card even if my score is XXXX they will find a reason for declining. First I was pre approved and then the decrease decline. I have been a victim of identity theft and XXXX was used to open up fraudulent credit, it has been since resolved. Each time I try to obtain credit they dont give me the chance to provide identity and decision is unable to verify customer. I have a fraudulent alert on my credit report and they dont even bother to call me back at the number or send me a letter requesting more documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midland Funding, LLC amount of {$7700.00}. I have disputed and sent XXXX, Equifax and XXXX   copy of court document showing that case under Midland Funding, LLC was dismissed and I am to pay nothing. I also sent a police report
Product: Credit reporting, credit repair services, or other personal consumer reports

I authorized an agent at a BMW retailer to check my qualification status for a loan on a trade-in. The agent then proceeded to pull my credit 4 times, from four different lenders without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I am not asking for an update, but I am demanding for this account to be deleted from my consumer report immediately because of these violations. 
XXXX  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 an account without my written instructions 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 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. Please see screen shot below of inaccurate information being reported on my consumer report. 
Account Status for all three bureaus are not the same. High credit for all three bureaus is not the same. Credit limit for XXXX is missing but the other two bureaus have a number. Last reported date is all different across all three bureaus. Date of last activity are all different between XXXX and Experian and XXXX last active date is missing. Date of last payment is missing for Experian and XXXX but is being reported for XXXX. If you are getting the same information from the same creditor, why is the reported information on my consumer report all different or missing. High credit limit is vastly different across all three bureaus. These inaccuracies and incomplete missing information are a violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ). I am demanding a complete deletion of this account off my consumer file immediately. 
Please see screenshot of inaccurate and incomplete reported information below : if the creditor is furnishing the same info why is the information different and/or missing. Please delete. 
Warm Regards, XXXX, XXXX Without prejudice, all natural inalienable rights reserved.
Product: Credit card or prepaid card

So tonight ( XX/XX/2019 ) I applied for a credit card with Synchrony Bank ( also shown as XXXX   XXXX XXXX  / SYNCB ) in conjunction with the merchant XXXX ( XXXX ). 

The reason for applying was that they offered free financing for 6 months and you could complete checkout upon approval. I was approved, but on the application page where it said I was approved, there was no temporary number listed to use. 

I called Synchrony Bank ( XXXX ) immediately. I was told by both the initial customer service agent and her supervisor ( XXXX ) that this not a service they offer and they would never give a temporary account number. They said it must have been a " glitch '' on their website and I'd have to wait 7-10 days for my card. The issue with that is I am on a time crunch and need the product before I could conceivably get it if I waited on the card. So the card is essentially useless now. 

I asked them to just cancel the card or application since I didn't need it anymore, and they said they couldn't stop the application and I'd have to call back in a few days to cancel the card. Considering that the hard pull/account age will negatively impact my credit score moving forward, and the only reason I applied was based on misinformation, I feel as though I should have a means to get this account removed from my credit history.
Product: Money transfer, virtual currency, or money service

Late night XXXX XXXX morning XX/XX/2021 there was an unauthorized transaction in my XXXX account. All of my XXXX ( around {$17000.00} usd ) was converted to XXXX XXXX and then was being transferred to an account I did not recognize. I cancelled the transfer and converted the XXXX XXXX back to XXXX. I had to pay XXXX fees for the unauthorized conversion and to convert back and I lost money due to a change in the currency values. My total loss for this unauthorized transaction is around {$500.00}. I reported this to XXXX and they have since locked my account. They keep sending the same message over and over please complete the following steps to restore access to your account. I follow the steps but they will not restore access and they have no live customer service via phone/email/chat. XXXX weeks later Im still locked out of my account. Ive included an attachment to show the only communication Ive received is the same email over and over.
Product: Credit reporting

I sent this to Experian and they have yet to delete it. I have sent them my SSN and utility bill and also birth certificate in the past. They refused to delete these wrong names, addresses, and employment history. They told me on the phone that It was reported by collectors or third parties rather than myself. That is in violation of the FCRA and I am tempted to sue if this is not resolved. I am keeping a paper trail. Why is it that Experian is refusing to delete this simple information when XXXX and XXXX will?? 
Something is seriously going on illegal with Experian and I am going to let every agency know!!!! 

remove innacurate names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE ALL OTHER INACCURATE INFORMATION Delete these addresses : XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, sc, XXXX remove employers that are innacurate : XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 I ordered a security system from XXXX using the affirm payment process. On XX/XX/2023 I decided to return the equipment because I was not happy with the service. XXXX XXXX got the equipment back on XX/XX/2023. I am still having problems with getting affirm off my account. They keep bugging me for money that I do not owe becuase I returned the equipment back to XXXX XXXX. XXXX XXXX told me that they received the equipment and they would tell Affirm to remove my debt. I keep receiving notices from Affirm to pay them money when I don't have the equipment.
Product: Debt collection

I mailed the Transunion requests to validate the debt on XX/XX/XXXX on XX/XX/XXXX. I received a printout of account transactions but I never received the correspondence I requested. Since the validation was not executed as requested within 30 days the Credit Reporting agency was supposed to remove the debt from my credit file but they didn't remove the negative accounts. According to the FCRC reporting invalid inaccurate information to my credit file is a violation. The non-validated inaccurate accounts were supposed to be removed.
Product: Credit card

My name is XXXX XXXX and I live in Virginia. 
Almost XXXX years back I went to service my car at a XXXX here in XXXX, Virginia. 
I was told by the front desk that I can apply for a Good Year card with 0 % and I did. 
After getting my car serviced, I was told that since I got qualified, I do n't have to pay anything at the store, however I will receive a bill at home with my Good Year Credit Card. 

I did not receive anything from Good Year for almost XXXX months and since it did not strike my mind, I too did not followup. 
I went to the same store after XXXX months and after enquiring about my previous bill, I was surprised to hear that the my case has gone to collections since they send me the bill but I never paid. 
On hearing this I was shocked because I have never done this kind of thing and its not correct. But more than that, I was shocked and surprised because I never ever received a bill from Good Year till date. ( even till date I have no communication ) I immediately went home, called good year and cleared all the bill via my debit card. 
Then I even closed that account. 

Now after these may years, the good year company is hurting my credit. I am trying to purchase a singly family house but because of this dent made by good year, I am able to get only XXXX credit score, and thus not getting loans with good APR. 

I request that since I have cleared the bill long time back and closed the account, please remove this entry from my credit please.. Honestly, this is not my mistake so kindly do not make me and my family suffer. 

XXXX XXXX XXXX
Product: Student loan

Hello, my Student Loan Servicer is blocking my attempts to consolidate my XXXX  XXXX  Loans into one Direct Consolidated Loan. Once consolidated, the Direct Loan is then eligible to be submitted for Student Loan Forgiveness ( SAVE, XXXX, and so on ). 

Aessuccess.org is the servicer of my XXXX XXXX student loans When the XXXX XXXX Loans are consolidated into a Direct Loan, the servicer would be changed from AES to the Dept of Education This would allow application to XXXX  for student loan forgiveness through a variety of programs. I have made more than 20 years of student loan payments to AES. 

AES seems to be blocking me, refusing to release my XXXX XXXX loans. 

When applying at studentaid.gov, the information I provide is never properly processed. It says " application saved, '' but it never says " application submitted. '' The deadline to apply for Direct Loan Consolidation is XX/XX/year>. 

Help! Please! I have made more than 20 years of payments to AES! 

My AES Account # XXXX Sincerely, XXXX XXXX XXXX
Product: Debt collection

I am requesting that yall provide a copy of the original purchase agreement the agreement must be with the original creditor not a third-party and signed by all parties involved. I am requesting this because capital one as well as this company here have both contacted me on this matter on top of I never entered into a consumer transaction with these people, they are violating my privacy rights per the privacy act of 1974. No company agreement overrides my federal protected rights. & the billing error per 15 U.S.C 1666. securities fraud I dont owe this company anything I dont know who or what this company represents and I never signed into a consumer transaction with this company and they have not shown me how I owe them this money they are requesting from me. I would also like to let you know that this billing dispute is for past current and future certificates of indebtedness. I am also not in their jurisdiction, which I am attaching a letter from the homeland security, which verifies that. I stand here stating I am challenging jurisdiction with evidence here a letter from the homeland security, showing that I am not in your jurisdiction, on top of letting you know that securities fraud is causing damages to me my natural living breathing self
Product: Mortgage

In XXXX I was approved by chase bank for a loan modification. I asked them for a XXXX mortgage, which I approved, but unknowingly to me they changed it a to XXXX. When I received the completed forms I was very happy and signed the documents without going through them. However years later I found out the bitter truth. Since then I have been paying my insurance and property taxes through the escrow account. In XXXX, I called the customer service department and asked to be removed from the escrow payment. I was told the process will take fifteen business days. On XX/XX/XXXX, I called the customer service department again about the pending issue. I was told by the agent that my account does not allow me to pay the insurance and property taxes directly. I called my insurance company and my city about how chase bank was paying them and they told me that chase only pay them once a year, which means all the interest on the account for over a year goes to a chase bank. I consider that a fraud, since it is my money and I should be collecting all the interest on the escrow account. This is a twenty years fraud. I want all the interest back with penalties.
Product: Mortgage

I have been trying since  XX/XX/XXXX  of this year 2017 when I was laid off until   XXXX   XXXX    2017  when I finally went back to work to get payments straight i got behind during the lay off and have been contacting and trying to get this straight I completed all the paperwork they sent me over and over because the keep saying things are missing I always catch up my payments after a lay off but they will not work with me they sent out a demand letter after i had been contacting them as soon as I knew about the lay off and that i would have to make up payments because i had no income during this time and all they did was send paperwork and keep asking for more and more and refusing to set up the payments they will not talk to me I am fed up with this company I know they can help me I have worked with other mortgage companies and they always help but I think this company is stalling so they can take our property behind out back I ca n't afford to lose my family and I have no where else to go we need our home we need help fighting this company and getting them to help us with catching up and getting back on track which can be done if they would just listen to us and help us get these payments paid oh the companies is FAY SERVICING LLC and they are awful we had a mortgage with   XXXX   XXXX   and they sold or traded our mortgage to this company last year with out our knowledge until it was all done and we have had nothing but trouble ever since they are mean hateful people and will not discuss anything they just keep saying that they ca n't help because the demand letter has been sent out that is a  crock       XXXX   XXXX   sent out demand letters as well but they always helped us work out payments so we could keep our house this company is not out to help they just want to take everything I have worked hard for and I ca n't let the do this I need someone to listen to me and get this company to listen and quit saying there is nothing that they can do for us ..
Product: Credit reporting or other personal consumer reports

A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violationwhich I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.
Product: Credit card or prepaid card

Since XX/XX/2023 I have been trying to redeem my rewards points and log in to my account online to make payments, view statements and redeem rewards points that I earned per the service agreement with the XXXX XXXX XXXX XXXX Credit Card. I have called numerous times and have spoken with multiple agents and supervisors who indicated I would be able to log in and redeem points on XX/XX/2023. I still can not log in and still can not redeem my rewards points. I make my payments on time and am charged interest per the card agreement but my rewards are not being made available to me per the same agreement. I have tried to work the the credit card company to simply apply the rewards to my card balance and they will not. The credit card company is telling me that the issue is a cyber attack on them yet when you call their phone number XXXX, or receive an email from them they tell you to log into their website. If the site was victim to a cyber attack why are they advertising to log into the site. I simply want to redeem my points and get access to my card usage and statements so I can close this account.