23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

I am filing this complaint against USAA Federal Savings Bank due to their denial of my request to refinance a {$58000.00} personal loan, citing 'lack of income, ' despite my strong financial history with them. I applied for refinancing on XX/XX/year>, and received the denial decision on XX/XX/year>. I am a 100 % XXXX veteran with a XXXX credit score and have made on-time payments on this loan for nearly a year at $ XXXX. My goal was to refinance to lower my payment to around $ XXXX, making it more manageable and ensuring continued payments, while also freeing up funds to purchase a ranch-style barndominium home. After contacting USAAs internal customer complaint team, they stated they can not reconsider the denial and rely solely on their systems decision, offering only to note my complaint internally. As a military bank, I expected USAA to support veterans like me, especially given my reliable payment history and clear intent to maintain our financial relationship. Instead, their rigid process feels profit-driven, no different from other banks, leaving me frustrated and unable to secure a home. I seek a fair review of my refinancing request and urge USAA to consider my situation as a loyal, XXXX veteran customer.
Product: Credit reporting or other personal consumer reports

I have been trying to get housing and have been unable to due to the negative items on my account credit reports through the following credit bureaus : XXXX, XXXX XXXX, and XXXX. I have disputed all these negative items redundantly without proper investigation. The negative items include : Collection Accounts from XXXX XXXX XXXX XXXX XXXX TN Child Support Late Payments : Credit Rent Boost XXXX XXXX XXXX XXXX " In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Unde

r 15 USC 1681 section 602 states I have the right to privacy. According to 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 166 B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. '' There should not be any damages on my account. It is a declamation of character. These damaging items have preventing me from obtaining housing, growing my business as a professional, obtaining better employment, and credit needed to be successful and to take care of my family,
Product: Debt collection

As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra_icking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts. XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

sent to equifax, XXXX  and XXXX  they all taken more than 30 days
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account # : XXXX - XXXX XXXX || Account # : XXXX - XXXXXXXX XXXX XXXX Account # : XXXX
Product: Money transfers

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Ny XXXX XXXXXXXXXXXX XXXX e-mail To : XXXX XXXX XXXX XXXX XXXX Ny XXXX Attn : Branch Manager XXXX XXXX XXXX Application has Account Routing #. She is charging For : Lost Credit Cards. I called XXXX to correct problem. I have statement she, s going to correct the problem.. Issue is XXXX XXXX XXXX Account only XXXX Order e-checks. They say, s pay For : Credit Cards out of the e-checks. I sent the money with permission by me as Customer at XXXX fees. {$25.00}. She should have in mail. XXXX XXXX excepted the tracking Form. For : XXXX XXXX. She say, s she did not receive Form. When walk in
Product: Checking or savings account

This is in regards to the previous complaint. The bank responded that the bonus would be credited to my account by XX/XX/XXXX. As of today, I haven't seen the bonus yet. Please refer to their response attached. 

To be more specific, I opened a business checking account at a Wells Fargo branch using the offer code that was sent to me on XX/XX/XXXX and had met all the requirements as of XX/XX/XXXX. According to the terms and conditions, I would get the bonus within 30 days after meeting all offer requirements. I have tried to contact the bank directly and still have not received the bonus yet. I have attached the supporting documents in this complaint for you to review.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate as unknown hard inquiry 's on my credit report. Since, I have also disputed over the phone. To this day, over 60 days later, I have not been able to have then remove the inquiry 's that are not mine. I feel that I am being taken advantage of and my problem of them not being mine are being ignored. I demand these accounts be deleted or i will file for litigation. My information was also impacted by both the Equifax data breach and XXXX data breach as well.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Credit card

The transaction involves a payment attempt through the merchant XXXX which is offering a joint promotion with PayPal Credit dependent on amounts spent between XXXX, ending at XXXX PDT -- i.e., Get 0 % APR for 12 months on purchases of $ XXXX and Get 0 % APR for 24 months on purchases of $ XXXX. The purchase amount is for XXXX -- inclusive of taxes and other discretionary expenses. However, once I click on the Pay with PayPal credit link they are not offering the terms of {$40.00} for 12 months as stated under PayPal 's Credit watermark on the original checkout pay on XXXX. This promotion seems either fraudulent in terms of being bait and switch or so poorly implemented that the two companies should have an enquiry opened to encourage meaningful consumer protections.
Product: Mortgage

On XX/XX/XXXX, NewRez informed me I was required to carry flood insurance and had 45 days to obtain coverage. However, they charged my escrow for lender-placed flood insurance retroactive to XX/XX/XXXX, XXXX I was even notified. I provided an HOA master flood policy effective XX/XX/XXXX and also obtained a separate policy of my own active from XX/XX/XXXX ( active hurricane season did not allow me to get one sooner ). Despite this, NewRez keeps insisting I owe for lender-placed coverage dating back to XX/XX/XXXX. 

They issued only a partial refund without explaining how they calculated it. Ive asked for either a full refund or a detailed breakdown of these charges, but they have not responded. I believe this violates the 45-day notification rule for force-placed flood insurance. I am requesting CFPB assistance in getting a full refund or a proper explanation, including any legal basis for backdating these charges to XX/XX/XXXX. 

Additionally, my latest escrow analysis shows Newrez is deducting the ENTIRE CONDO BUILDING flood policy from my escrow which is raising my mortgage significantly and shows I am in deficit. I need this corrected ASAP please. 

As seen on their website : XXXX XXXX XXXX  XXXX XXXX XXXX {$3000.00} XX/XX/XXXX {$180000.00} XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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 told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX, Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : DPT EDXXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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. 
in accordance with the Fair Credit Reporting act XXXX Inquiry XXXX  date XX/XX/- XXXX, has violated my rights. 


Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has reported this fraudulent account of XXXX XXXX  of {$4500.00} this is not my account it must be deleted
Product: Credit reporting or other personal consumer reports

I noticed that an account was opened with XXXX XXXX XXXX on XX/XX/XXXX And another one with XXXX XXXX XXXX on XX/XX/XXXX Another account was opened with XXXX XXXXXXXX on XX/XX/XXXX I have no idea about these reports on my credit profile and Id want it deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

I have took a look at my credit report and found some fraudulent accounts that I did not authorize to be opened and opened in my name. Its very frustrating to not be able to qualify for certain things because of these fraudulent accounts on my report. I just had a daughter and need to provide for my family. These fraudulent accounts are holding my life back.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft pursuant to section 605B the fraudulent inquires need to be removed!
Product: Vehicle loan or lease

Timeline of Events : Purchase Date : I purchased the vehicle on XX/XX/XXXX. 
Initial Complaints : I filed complaints with the dealership in XXXX regarding the vehicle 's condition and lack of tags and plates. 
Repossession : The vehicle was repossessed without any prior knowledge or warning on XX/XX/XXXX. 

Details of the Complaint : XXXX XXXX : I was sold a vehicle that was faulty from the beginning, causing significant inconvenience and financial strain. Despite my numerous attempts to address these issues with the dealership, they refused to allow me to exchange the vehicle for a more reliable one. 

Tags and Plates : I never received the tags or plates for the vehicle. This failure to provide necessary documentation has prevented me from legally operating the vehicle. 

Repossession Without Warning : The vehicle was repossessed without any prior warning or notification. At the time of repossession, my personal belongings valued at over {$8000.00} were still inside the vehicle. These items have not been returned to me, causing significant distress and financial loss. 

Lack of Communication from Lender : After making a complaint regarding these issues, I have not received any information or updates from the lender. This lack of communication and transparency is unacceptable and leaves me without resolution or recourse.
Product: Credit reporting or other personal consumer reports

FTC Identity Theft affidavit was provided with the letter of Notice of Breach that was sent by XXXX a subsidiary of TransUnion. XXXX was hired to mitigate damages caused by the cybersecurity incident investigated in 2023. Local police reports, XXXX XXXX was noticed of the breach in this consumer credit transaction. Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2 ( Section 605B ), which requires that credit reporting agencies block disputed identity theft information within four business days upon receiving proper documentation. TransUnion has received 3 letters that have addressed the Identity Theft and have refused to remove the improperly reported data from XXXX on my credit report. Each correspondence sent had record of an Affidavit to include a criminal complaint, Notice of Data Breach. This is my last effort to compel TransUnion to remove this data that is improperly reported in addition to being part of a criminal complaint for Identity Theft. Please consider this public and constructive notice that I intend on filing a lawsuit in small claims court to find remedy.
Product: Credit card or prepaid card

Its been 2 months already and i never received any XXXX card from Bank of america i keep updating them but they dont care at all. I wan na request a digital card instead so i can set up recurring transfers from the XXXX  to my bank account. Or i can provide my prepaid card so the XXXX  can load it there
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance : {$1100.00} Falsely listed on my credit report. Account has been resolved between the original creditor & myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to update or correct this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXXXXXX 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 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, JEFFERSON CAPITAL SYSTEM add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA JEFFERSON CAPITAL SYSTEM has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Checking or savings account

OnXX/XX/XXXX I received an email from TD Bank " thanking '' me for opening a checking account with them. I never opened any checking account with TD Bank, let alone the fact that there are no TD Bank branches within a hundred miles from where I live. 
I called TD Bank the same day and spoke with their fraud department. Initially they refused to help me, demanding more information about my identity. Reluctantly, I provided my SSN, and they confirmed that, indeed, a checking account was opened in my name, using my full identity. When I asked if there were any funds in that checking account, they could not give me that information claiming the account " is not technically '' mine. They promised, however, to block the account and told me to report the fraud incident to the police and to the credit agencies, which I did that same day. 
However, on XX/XX/XXXX I received a packet in the mail, containing cheque books with my name and address printed on them. This indicates that TD Bank either did not block the account or is too slow to address the issue.
Product: Debt collection

I am getting 3-4 phone calls per day in the last 2 months from Bloomingdales credit agency for our account we continualy explain over and over again that I am out of work no money coming in anymore, until then we will send a payment in the next month hoping I return to work. But they now continue to 3-4 times per day we answer the phone and nobody responds on the other end. I had warned them that 's harassment but they did not respond to my concern about there calls to us. thank you for your help in this matter XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My loan payment are always due on the last day of the month and I do an external transfer from XXXX XXXX XXXX Golden 1. I made my external transfer for my May payment but apprently it did not go thorugh. I called in and was told that my external transfer was kicked out because they were doing a system upgrade and that it shouldnt have effected my credit. The problem is that I initiated the external transfer and then was never notified that it didnt go through until 30 days later saying I miss a payment. Again, I was told that it shouldnt effect my credit which it did. This is something that is not in my control that a system upgrade stopped my payment from going through. I saw that i did in fact go on all 3 credit bureaus so I called into speak with someone regarding this and she was very helpful but said something completely different than the previous gentelman. She explained that what was happening was that I was only allowed to transfer {$2000.00} in next day external transfers in a 30 day period and I was going over that so the system was kicking me out. This was never explained to me previously when I called in about the situation. I had no idea there were limits. This is something that should have been communicated to me previously so these incidents did not occur. Not only was I not told about this previously but I was told it happened because of a system upgrade that was out of my control. I also should have been notified immediately that my external transfers to my car payment did not go through and not until 30 days later. This is something that was completely out of my control and should not be reported on my credit which I have disputed several times. it. Not only that it shows that my payments were late in XXXX not XXXX and I have receipts of 2 payments in XXXX. 

I am attaching a copy of my account showing they canceled my transaction as well as the 2 payments I made
Product: Debt collection

XX/XX/2018 {$82.00} Contacted about amount, should have been covered by insurance.
Product: Debt collection

LVNV Funding has been trying to collect on alleged debt. I have sent letters and requested information. That no one with first hand knowledge has been able to answer. Yet, LVNV Funding keeps popping this alleged debt around from one collector to another. Resurgent capital services, seems to be one of their favorites. With doing so I believe they are hoping Ill drop the ball and not dispute. This has been happening for months. This might be border line illegal tactics to use.
Product: Money transfer, virtual currency, or money service

I can no longer transfer my own money from my e-trade account. They placed an " account restriction '' message on my account home page saying my account has suspicious activity. There is no problem. The only problem they may have is that I have been withdrawing money over the last few months and they don't like it. I try to call the number on the home page to get the account restriction lifted but I go into an endless queue listening to music. There is no chat option or email that I can find anywhere on their website. They are holding my money hostage for no reason except that they seemingly don't like me systematically taking money out of my account. I need access to my money. 

XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , inc ) due to the inadequate customer service unfair practices, which violate the consumer is financial protection act ( CFPA ) is specifically cash app failed to take timely and effective measures to prevent is an address fraud on their platform is leaving my account is horrible and unprotected. Futhermore more their dispute resolution process was i'm fair 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 for these violations
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Equifax, Experian, and TransUnion for improperly reporting a medical collection on my credit reports. The collection agency responsible for this account failed to contact me before reporting the debt, which violates the proper procedures for medical debt collection. 

Under the current regulatory landscape, medical collections should not be reported without giving consumers the opportunity to address the debt first. Additionally, in light of the upcoming medical debt rule changes, I am requesting that this account be removed from my credit reports until the final rule is implemented, as its reporting is unfair and detrimental to my credit profile. 

I urge the CFPB to investigate this matter and ensure that the credit bureaus remove this collection from my reports immediately. I appreciate your prompt attention to this issue.
Product: Debt collection

I paid off a debt for a car from carmax. Recently I noticed that my credit report was being attacked an charged for the same debt that I already paid.