23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The USAA Bank Fraud Resolution Team Refuses to Investigate and Require Immediate Termination of ALL Illegal Visa Credit Card Accounts Immediately in Written Disclosure by Federal Law in Consumer Securities Lender Inequities ( USAA Bank XXXX XXXX XXXX ) This Criminal USAA Bank Identity Theft was Confirmed by USAA Bank Auditor on XX/XX/2022 Without Resolution because the USAA Bank Admitted that Additional Visa Credit Card Accounts required Internal Employee Audit ( Character Assination by Conspiracy in Illegal USAA Deployment Classification Scam ) This Fraud and Character Assination involves the Texas Attorney General Greg Paxton that Is Required to Provide An immediate Court Order to USAA Federal Savings Bank in Conspiracy Theft Of Multiple Unauthorized Visa Credit XXXX in XXXX XXXX XXXX by Illegal Deployment Classification XXXX ) Contact The Attorney General AND Demand Action against USAA Bank for A Malicious Financial Fraud without Resolution for 24 Months!!! 
USAA Bank Member Advocacy XXXX XXXX is Required to Terminate ALL Fraudulent Accounts Immediately! 
Her Personal USAA Business Telephone Contact is ( XXXX ) XXXX USAA Federal Savings Bank Fraud Agent XXXX XXXX has Not Returned Voicemail Messages for Seven Months and is Obstruction of Justice in XXXX XXXX XXXX The FBI is Conducting A Criminal Identity Theft Investigation in USAA Bank Relocation in XXXX XXXX Nevada by Agent XXXX in XX/XX/2022 by Claimant in Recorded Deposition Investigatiing USAA Bank In illegaXXXX XXXX XXXX XXXX with Case Number This Identity Theft Crime was Submitted Online to the Consumer Financial Protection Agency in Washington DC ( FBI Washington DC ) with Case number To Investigate the USAA Bank in XXXX XXXX Texas in XXXX XXXX XXXX!! 
XXXX XXXX XXXX XXXX Due Process of Law!!! 

















XXXX XXXX XXXX on This Character Assination by USAA Bank XXXX XXXX XXXX XXXX Due Process of Law
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$140.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Student loan

Not once not twice but three times our loan was applied to the wrong account, I was charged a late fee, I called and spoke to someone and was assured that everything would be taken care of and again another late fee because the loan was applied incorrectly - it 's bad enough they charge what they do and when we tried to ask about setting up different payment options we were told we could not. The interest rate alone is killing us - the debt is over XXXX and we give our hard earned money to this organization and they fumble with, heck yeah I am very aggravated with them.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following XXXX Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should Not include an active payment history. This inaccurate information faisley manipulates the statute of limitations. You failed to investigate this account properly after i asked you to do it Twice and your neglect has violated my rights. I am demanding a deletion of the following : Accounts Name : XXXX XXXX XXXX Account 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. 
================================== UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ================================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

I recently moved and needed to update my address for each of my personal accounts. I have updated my information through the XXXX, state for voting registration, bills, banks, etc. Each of these I had the ability to do online without issue. However, Chase Bank has an inferior app where the system will not allow you to up addresses if the system does not recognize the address. Frustrated, I called customer service to have it done over the phone. I completed the authentication process and made my selection to speak with a customer service representative. However, the call disconnected, forcing me to endure the service call and authentication process again. I did so and the call dropped a second time. I called a third time and finally spoke to a customer service representative who attempted to update my address only to tell my that the system liked me out for XXXX hours because I did not authenticate prior to speaking with the representative. Venting my frustration to the representative as I explained the previous XXXX calls and failed attempts to reach someone, in addition to the system not recognizing my address, she told me that I needed to go into a bank. After an hour of trying to work this issue XXXX XXXX  - XXXX XXXX on XX/XX/year>, another representative informed me that Chase removed the ability to update phone numbers and addresses online and forces customers to either call or visit a branch. The reasons being that they want to mitigate fraud online. My counter to this is that someone who has my information to access my account online/mobile app will have the same information necessary to authenticate over the phone. Customers are only required to issue the account number ( found on the app or card ), the current address ( found on the app ), and first/last name ( again, found on my account ). The reasons of security as the motivation to make this decision without the input of the account holder makes XXXX sense and inconveniences the customer. I live in the Washington DC XXXX XXXX and do not leave work until XXXX, if not later. Chase Bank closes at XXXX, eliminating XXXX XXXX XXXX to manage my account. As experienced today, getting to a customer service representative after authentication prove just as difficult ( if not impossible ). Therefore, Chase Bank is forcing me to either not update my information and have my secure account information via billing statements, to go to my old address where someone else now resides. Now, I ask, is this a security issue warranting the action of Chase Bank to rethink their policies? After all, if customer account security is at the forefront of their decision making process, I would submit that having my account information going to someone who is not me makes a very big deal that needs remedying. I have asked and demanded that account management be restored to the customers ( at least myself ) to no avail, thus forcing me to file an official complaint against JPMorgan Chase Bank.
Product: Student loan

I am alerting the CFPB that Navient continues to report a student loan that was to be expunged from my credit report as part of a class action settlement. I co-signed for the loan what was taken out for XXXX XXXX for the California XXXX XXXX XXXX that XXXX attended from XX/XX/XXXX-XX/XX/XXXX. We were making payments on time during the repayment period, later we were part of a class-action lawsuit against the school for misrepresentation and eventually won a settlement for full forgiveness of the loan ( See Paragraph 4 of the enclosed settlement, that forgives all amounts due ).

We continued making prompt payment during the litigation and only stopped payment after we were advised by the lawyers representing the class-action that it was ok to do so the settlement was underway. 
However, despite this settlement and agreement from Navient that we made inXX/XX/XXXX to expunge the loan from our credit reports, the account is still showing up on my credit report as an unpaid charge-off account and with late payments for XXXX andXX/XX/XXXX Both these reportings are incorrect. I have enclosed my payment history with Navient that shows no lapses. 


Attached : Excerpt of my latest credit report ( show 's Navient reporting unpaid charge-off ) Copy of Class Action Settlement against Servicer & School Prior Payment history with Navient
Product: Vehicle loan or lease

The company below is refusing to verify my identity to get into my account as you will see. I have a new number and can not get into my account since I can not receive the verification code to my old phone. I initially tried to login to do this because I also had to get a new bank account recently and realized I couldnt login to switch the information and make a payment. Ive contacted PenFed credit union several times and talk back and forth with them on how to verify my information to change my phone number and bank information to make a payment on some way or another. They asked for a copy of my phone bill to my current address, and my photo i.d . Which I provided to them multiple times, To continually get denied. I am now over a month behind because they refuse to fix these issues and take my payment which I had at the time. You will see in the emails I ever let my XXXX get the best of me in the last one and told them to take the car if they refuse my payment. Obviously this isnt what I want but Im at my wits end and dont know what to do it seems pointless. I will include email attachments with dates. I can not get my account, or loan number due to not being able to login to my account. But my names XXXX XXXX my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, my car is a XXXX XXXX XXXX XXXX  model, and my online username is XXXX for my PenFed account. Hopefully they can pull it up with this information thank you.
Product: Checking or savings account

I am very frustrated at this point after being 12 years of customer with Citibank. 

I was trying to make a {$9600.00} transfer XX/XX/XXXX from my Citi bank account to my recipient also Citi bank account, the transaction was first showing pending and then disappeared from my account history. Not under pending, not under approved, not under cancelled. 

and then I tried to make a transfer to my own account at XXXX for {$25000.00} on XX/XX/XXXX. This time I got an email saying this transaction has been cancelled. Didn't tell me why. 

During XXXX XXXX, I made 5 phone calls to different customer reps, they all had alleged can't verify my phone number and their fraud department will call me back within 24hr ( some even said within 1-2hr ) which never happened. The last time I called they said they had already left me a voice mail, but I checked there was none. 

On XX/XX/XXXX I had visited the branch in person trying to unlock my account. The banker told me my account was been put on a No Post Debit, which means I can't even get a cashier 's check. 

The banker was calling to the fraud department with me together. After sitting with the banker for 1 hr and 20min, the conclusion we got is they have to verify me through my phone number but they can't verify this number is under my name. 

What's ironic is 1. I have been using this number for 10+ years and never changed it 2. This is the phone number I registered with Citi bank 3. I'm sitting at the bank with the banker and he provided his employee ID and everything, but Citi still insist they can't verify me is me unless through that phone number 4. There's no other option for verification, not through DL, SSN, Address, nothing.

So this goes to a dead-end that unless they can verify me through this phone number, or they will not unlock my account, but somehow this phone number just don't work. 

And after the banker trying to get the reps escalate this to their supervisor, they said they will have to mail me a letter with security code and I have to wait for 7-10 business day.

The letter hasn't arrive obviously. 

I had proven my self at the branch being the authentic user of this account, so Citi bank has no right to freeze my account. 

This is my own money. And I would like to have my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with the three credit bureaus ( XXXX XXXX, XXXX, and Experian ) about unverified accounts or inquiries reported on my account. 

I have mailed and faxed the necessary information needed to identify my account their failure to positively verify, through the physical verification of the original signed consumer contract, these accounts has hurt my ability to obtain credit. 

Under the FCRA, unverified accounts must be removed and if unable to provide me a copy of verifiable proof, the listed above credit bureaus must remove the accounts and or inquiries.
Product: Mortgage

My problem is the mortgage account is incorrect and I want to know why the so call trustee won't request a audit of my mortgage account ( XXXX ) Why the nonjudicial sale when they been the so call trustee for the last XXXX years this account has been repeatedly reported to have serval major errors and the so call trustee who claims to have power to over see a sale on a when the account will not be corrected This is a mis justice cuz by these errors of non posted payments by a sever not by me. 
I even hired a third party forensic accounting firm to look at my concerns and they even think something isn't right about this mortgage account.but in the meantime am going lose my only place to live after XXXX years. And in XXXX if this sale happens I can never I mean never get my property back never.this is the last gift my late husband gave me and it's not asking to much to request quality loan services of Washington to at least correct the errors and stop the sale and start allowing me to resume my payments. 
As it stands now the trustee non judicial foreclosure sale is a fraudulent sell for profit and property It's wrong according to the broad of governor once these errors have been pointed out, they most be corrected this has never happen and quality loan services XXXX XXXXXXXX XXXX has been the one to claim non judicial trustee rights. 
Again I want to know why are they stepping up to sell when the account is wrong and the past server has cuz undue hardship to my account by not posting paid payments to the account allowing payments not to be recognized as paid .destroying a paid cashier 's check.with full knowledge this action would cuz more undue hardship to the account history. 
Quality loan services XXXX XXXX XXXX is causing undo hardship to a elderly person by forcing a nonjudicial sale when the account is incorrect. 
Thank you
Product: Credit reporting

Experian is reporting a Charge-off on account from a company called XXXX XXXX Acct # XXXX which is not mine and it has not been validated by the credit company despite my many attempts. Experian just keeps on verifying the account as mine and sometimes ignoring my request. Both companies Experian and XXXX XXXX are violating my rights under The FCRA and The Fair Debt Collection Practices Act that states that the claim be disputed and validated. 

I have filed a complaint with the XXXX but Experian just keeps on verifying the account without giving me proof. XXXX XXXX records do not agree they say the account was opened XX/XX/XXXX my credit report says XX/XX/XXXX. The fact is I never opened an account with them and I told Experian about the discrepancies but they ignored it. XXXX XXXX when asked through the XXXX to provide a signed agreement just said that the account was too old for them to have such document. 

I sent a letter to my Attorney General and their office replied that I should contact you and filed a complaint and that if you do n't do anything to quickly hire a consumer lawyer and file a lawsuit on Small Claims and another one on Federal court for both companies violation of both FCRA and FDCPA. 

I am a concern consumer, who like millions of Americans only concern is that Experian accurately reports our data and that respect our rights under The FCRA. XXXX and XXXX both deleted the account when asked for investigation it is Experian who often sides with the creditor without any prove or providing us the consumer with any findings. Is Experian being paid by creditors to report erroneous information on our reports? Does n't Experian has a moral job to report accurate information. It surely does not feel that way, many states and consumers have file lawsuits against this bureau. Please advocate on our behalf so that justice is executed so that we do not pay for Experian 's loyalty to creditors who falsely provide information to damage our credit worthiness.
Product: Debt collection

Dear Harris & Harris LTD ; Debt Collector/ XXXX XXXX  ; I am disputing the alleged debt reported by your company Harris & Harris . This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company nor i do not owed the alleged debt of {$670.00}. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the validity of this claim, I request the following documentation : 1. Proof of authorization to collect under 15 U.S.C. 1692e and 1692f.

2. Legal basis for attempting to collect, including applicable statutes.

3. Proof of authorization to operate in my state. 
4. Evidence of the alleged debt, including any contract or agreement bearing my signature.

5. Full account history, including charges, fees, and payments.

Under FDCPA 1692g ( b ), you must provide this validation within 30 days. Failure to do so will result in the account being considered invalid. Non-compliance with FDCPA 1692d, 1692e, and 1692f will be construed as unlawful conduct. 
Moreover, under the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), as I have not acknowledged any debt, I will presume no debt exists if no evidence is provided within 15 days. 

Plus i never received any documents and XXXX doesn't have any information under my name.
Product: Debt collection

This company has attempted to collect a debt from me that I do n't owe them. I never established a contract with this company and they are in violation of the FCRA because they reporting negative items onto my XXXX report. And my name has been slandered. for accounts # XXXX # XXXX # XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I requested from all three bureaus that they investigate the inaccuracies on my report. In accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my report.

The Credit Bureau stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last reported is inaccurate, and the date last reported is not accurate? This is grounds for removal and they also violated my rights under 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 sECTION 604 A. Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions and consent. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, is A Debt Collector that bought the debt from XXXX by the name of Credit Control Debt Collector, This company has caused me a lot of XXXX because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, Update my address & remove the old address on my profile because I don't live at those listed address but one address which is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX dated XXXX. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I has a negative that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative accounts, including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in these written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX XXXX XXXX, Bankruptcy XXXX XXXX Reference number : XXXX and Bankruptcy XXXX XXXX Reference number : XXXX. 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau XXXX and the XXXX XXXX XXXX XXXX Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Utility Bill as verification of my ONLY address.