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

I am filing my compliant against USAA my bank. I filed disputes with a company where they ran my card through more than once. I did reach out to the company as well several times. I filed a dispute with USAA and received provisional credits. I began to receive letters from the bank that my dispute was sided with the vendor because they provided receipts. I also have receipts for the accurate charges on XX/XX/XXXX XXXX advising she was with the disputes team reached out and we discussed all were valid but one, after that I began receiving notices that the money was being taken back out, as USAA had sided with the vendor. I began reaching out. To date, I have spoken with Executive Resolutions Team, A manager and 10 reps who all leave notes to reopen and/or to contact me. I have even filed a XXXX  complaint and USAA wil not help me. Finally yesterday I received a call after attempting to contact since XX/XX/XXXX advising she was with disputes, I missed the call, the voicemail she left stated for me to call in and leave a message for her to contact me or to have the rep read the notes, I called back in at XXXX XXXX and spent 15.47 minutes on the phone while the rep looked for notes that were not there. USAA will not help me or even give me a chance to inquire why. Its sad when its my money, it is a time of limited work and they helping a business take my money. Just wish someone would help me.
Product: Credit reporting

I filed bankruptcy and XXXX 2015 and it was discharged in XXXX 2015. Debts included in my bankruptcy started coming off my credit reports on their own and the ones I did dispute I received a quick response and they were removed. I 'm having an issue with XXXX I have disputed it many times to all three credit reporting bureaus, on the most recent XXXX I sent a copy of my bankruptcy petition and the result was they updated it on my report saying charged off sold to another lender but, yet on a privies dispute about two months ago they updated reports with status as included in chapter XXXX bankruptcy and now they have changed it to the charged off status. On last dispute Experian would n't accept my dispute because I had previously disputed. The dispute case numbers I provided above are the most recent ones. XXXX is showing up as derogatory and negative on my reports which is affecting my credit score as I am trying to build my credit. I 'm having success rebuilding my credit except for with this company reporting incorrect information on my reports. This is the only negative thing on my reports. As I am looking to the future trying to buy house with my husband, obtaining certain credit cards ( which I am using responsibly ) or loans to help build credit I 'm not able to because of this derogatory/negative incorrect information being reported.
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 updated : 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I had a loan balance of XXXX XXXX XXXX XXXX XXXX  XXXX XXXX dollars, XXXX cents with Discover Personal Loans in which paid off in full. But for the past two months, there has not been any update to my credit report with any of the three credit bureaus as to my loan been paid off. I reach out to Discover Personal Loans on many occasions to inquire about the inaccuracy on my credit report, but I was unsuccessful in getting the issue resolved with them.
Product: Debt collection

RENT RECOVERY SOLUTIONS is a debt collection company that I have asked to remove debt from my credit report that I do not owe. Not only did they not remove the debt but they have it listed twice and refuses to correct this issue on my credit report.
Product: Consumer Loan

I sent a loan payoff payment that would have paid my capital one auto loan in full but capital one has not processed my payment yet. I have been charged additional interest and late fees. Additionally, due to the lien not being released from title, my new lien holder has also penalized me with fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX is reporting inaccurate late payment on my credit report that varies from bureau to bureau. This is incorrect as my payment was not late. I made a payment on the phone with a representative in which numbers were transposed and the payment returned back unpaid in XXXX After noticing it never attempted my account I called to question what was going on. At that point the rep apologized and I resubmitted a payment and monitored my account to make sure it cleared. The very next month, XXXX 's XXXX closed my account. When I tried to call and dispute the late payment status with XXXX XXXX, it automatically disconnect the call with a recorded statement that says, " our records show that your account has a XXXX balance. If you are calling to reopen your request can not be completed. THEN A BUSY SIGNAL. I finally was able to log into my account and open up a chat and was told to mail a letter about the dispute. I have mailed letters on 3 different occasions. On Monday XX/XX/2020, I spoke with a rep from XXXX XXXX who again said she was unable to help me and I needed to mail yet another letter. To not be able to work the dispute out with the company and for XXXX XXXX to randomly select months to show a late payment that varies from bureau to bureau is terrible customer service and against the law ( SEE CREDIT REPORT ATTACHED TO VALIDATE THE DIFFERENCES )
Product: Checking or savings account

XX/XX/2019 I could not take it anymore a mobile deposit initiated by a person online by the name of XXXX XXXX XXXX XXXX had for 8 months requesting of my ID, social security number, work, bank information. I noticed that he had initiated with his contacts online which he claims are Hackers and that he is being monitored. The checks on XX/XX/2019 were the cause of XXXX XXXX XXXX I tried to reach him and ask if you are under investigation, you claim to be this person why have you not contacted authorities but I have no confirmation. This online reassured me that everything with his status and funds, accounts were perfectly legal. Unfortunately with an account with all of my information caused counterfeit checks through this XXXX XXXX XXXX.
Product: Mortgage

My spouse lost his job and we fell behind on our XXXX mortgage. I tried on several occasions to get my mortgage modified to an acceptable rate but I have been told that I can not get anything lower than the 7.5 % interest rate that I have because my loan is n't backed by XXXX or XXXX. Since I am unable to modify or refinance my loan according to Nationstar, I would like to make payment arrangements since my family is helping us with the money to get the account current. I have left several messages for the loan specialist assigned to my loan but no one has returned my calls or left me a message if I was n't home. I am trying to pay 3 months of my mortgage now ( XXXX/XXXX/15 ) and the remaining 3 months on XXXX/XXXX/15 to bring my account current. Any assistance to help me get some customer service would be greatly appreciated. I did call and spoke to a general rep that provided horrible customer service and was rude. Thank you for any assistance you can offer in getting someone to return my calls!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have brought it to the attention of Equifax that experiences and transactions between the consumer and the person making the report are to be excluded from a consumer report. I would not like my utilization to be furnished on my consumer report, this is my written statement. Equifax has ignored my previous request to update my utilization to 0 % and XXXX balance for the listed accounts. This is a violation of my consumer rights and is causing me to not have faith in the banking system as this is not fair and equitably to me by sharing my private information without my prior written consent. Please see attachment for details and a screenshot of the specific law for reference.
Product: Credit reporting or other personal consumer reports

XXXX- Unsecured Loan with account # XXXX opened on XX/XX/2021 and a balance of {$0.00}. I previously disputed this account stating : ''I dispute the missed payments and late payments on this account. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. Please provide proof and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 15 USC 1681 I 1A,15 USC 6801, 15 USC 6802, USC 1681 ( e ) ( b )
Product: Debt collection

I had a XXXX XXXX credit card XXXX account that was charged off. I settled this account out directly with XXXX XXXX  for {$840.00} and the payment cleared my bank account. Months later now I am getting contacted by a collection company called MRS BPO trying to collect on the same debt. Not only has the account been resolved it is still on my credit file as if I owe and now a collection company is reporting I owe as well. 

Please help
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction with the handling of my recent attempts to correct inaccuracies on my credit report. I believe it is my right to have accurate and up-to-date information on my credit report, and I have made diligent efforts to rectify the errors that have been negatively impacting my creditworthiness. 

I first noticed discrepancies in my credit report when I requested a copy from your agency. Specifically, I found that there were late open accounts listed that I believed to be inaccurate. To rectify this issue, I promptly filed a dispute with your agency in accordance with the Fair Credit Reporting Act ( FCRA ). 

Despite providing all the required documentation and evidence to support my dispute, I received no resolution or response from your agency within the 30-day period stipulated by the FCRA. This lack of response prompted me to escalate the matter by sending a second dispute letter. Again, I provided all the necessary documentation and waited for a response. 

To my dismay, I have yet to receive any meaningful communication from your agency regarding the status of my disputes. This is a clear violation of the FCRA, which mandates that credit reporting agencies must investigate disputes within a reasonable timeframe and respond to consumers in a timely manner. 

I understand that errors can occur, but I have made multiple attempts to have these inaccuracies corrected, and the lack of response from your agency is not only frustrating but also damaging to my financial well-being. These inaccuracies have resulted in unfavorable terms and increased interest rates on loans and credit cards, causing me financial hardship. 

If this matter is not addressed promptly and satisfactorily, I will have no choice but to escalate my complaint to the appropriate regulatory authorities and consider legal action to protect my rights as a consumer. Please assist me to correct the following accounts : 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 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 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
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a text from what I thought was an automated fraud alert ( XXXX ) XXXX in regards to someone attempting to hack my bank account. While reading the message. I received a phone call from Wells Fargo fraud dept XXXX. The guy on the phone was " alerting me '' that someone was trying to use my card at a XXXX in Texas. He then proceeded to say that I would need to reverse the funds as he began walking me through the process. He informed me that there were unusual transactions based in Texas. I did not approve neither one of them. He then asked about the XXXX  transaction and informed me that the scammers were trying to drain my account using XXXX. He said that in order to reverse the transaction. I needed to send the money to myself, so that it would not be approved. It was an odd request/protocol, but he reminded me that he was calling from Wells Fargo and he gave me his badge number ( XXXX ) told me that the number should match the back of my debit card. And to my surprise, it did and so I believed him. 

I then added myself as a XXXX recipient with MY NUMBER and MY NAME and transferred {$1000.00} from my Checking account to MY SELF! Immediately after doing so, I heard a cell phone notification in the background. That's when I hung the phone up. I immediately called Wells Fargo fraud number ( XXXX ) AGAIN. The lady that answered was soo rude and made matters worse for me. I attempted to call them again, hoping to get someone else on the phone. 

Everything happened so quick. I'm not sure if its an inside job or not. But the scammer was REALLY GOOD AND BELIEVABLE! 

- I have copies of the phone number that called me -I have the phone number that text me ( fraud alert ) -I have the copy of the XXXX transaction to MYSELF -I have an email of the account/banking institution that the funds went to and the name on the account
Product: Credit card or prepaid card

I was gifted a prepaid card for {$400.00} operated by Netspend. I went through the steps to activate it and was prompted to provide my social security #. Since this information is not necessary to use a prepaid card, I did not provide it. From that point, I could not activate it online, so I called their 800 number. This system requires the verification of a social security number. If, as was in my case, you can't verify it, the automated system hangs up on you. 
Eventually, I figured out how to reach a person through this automated system. They also tried to get me to verify personal information, which they never had in the first place. They transferred me back to the automated system that didn't work. Finally, I got someone who said they could activate it if I emailed them a copy of my social security card and official government ID, which I refused to do. Then they said they could activate it but only for in-store purchases with an added fee of at least {$1.00} per transaction. 

Essentially, Netspend seems to me to be a phishing operation. They should not be asking for personal information such as social security numbers or photo ID to use a prepaid card.
Product: Debt collection

I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Product: Debt collection

I recieved a called from Hunter Warfield claim to be a collection Company. Said that i had i had a debt with XXXX XXXX for XXXX. Guy was very rude never identify me with the particular debt or even said is this your account or not just began talking. Told him thats not my account. I want to dispute it. Told me i couldnt dispute it. They continually call my phone at XXXX at night. Their not following correct procedure on collection.
Product: Checking or savings account

Greetings CFPB : This message is about a closed Citibank revolving credit line still being reported as open. Thank you for receiving my complaint. 

I opened a revolving credit line with Citibank ( IL ) in XXXX, called " Ready Credit '' ( now called " Checking Plus '' ), and paid it in full satisfactorily during XX/XX/XXXX ( this is currently confirmed by Citibank reporting to credit bureaus ). It was closed at that time, and my available credit was reduced to XXXX. 

Now, nearly ten years later, that account is still listed on my online banking profile within the bank itself. I have tried to remove it but they say it is closed and not to worry. They do not seem to know how to remove this old account. The XXXX  available credit currently reported also negatively impacts my credit utilization, doubling the negative effect of this decades-long situation. That lower credit score has caused me to suffer from higher interest rates, particularly high-value ones like the 30 year mortgage I obtained in XXXX, and hope to refinance to a rate reflective of my true credit worthiness. 

I have tried to get this removed with Citibank directly, and also disputed it with the credit bureaus, to no avail. Citibank reaffirms their reporting, despite simultaneously reporting that the account has XXXX balance and XXXX  credit available since XXXX, and that there has been no balance nor any credit availability for a decade. I am helpless in this situation. 

Kindly request that they correct their information system and accurately report the status of my relationship with them to the credit bureaus. This account was closed. 

Thank you, XXXX XXXX XXXX XXXX, IN XXXX
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social Securite Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Accounts : Account Name : ACIMA DIGITAL FKA SIMPLE  Account Number : XXXX Balance : - Original Balance : {$1500.00} Date Opened : XX/XX/year> Errors : 1-Why is the Balance Histories not reported?, Why did Acima delete it?, Now it is even more incomplete, Is it supposed to be reported month after month?, Show me the complete payment history month by month with your balance, your Scheduled Payment each months, how much i paid each month in XXXX, Why did you delete the Balance Histories?, You couldn't verify the account and preferred to block it?, Fix and provide all this months in the Balance Histories in XXXX or delete the entire account. 

XXXX don't the XXXX payments I made of XXXX appear in the statements you sent? I attach proof of the payments I made.Acima continue to report false, misleading and inaccurate information If you are unable to comply with Regulation V and comply with the FCRA, why do you continue to report an account that you are unable to correct and report accurately?

Provide experian with a Balance History for all months or delete the entire account. 

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

I am disputing an inaccurate XXXX XXXX account reported by the credit bureaus. Despite multiple certified requests for verification, the bureaus continue to inaccurately verify the account. XXXX reports the account open since XX/XX/XXXX, while XXXX and Equifax both report it as open since XX/XX/XXXX. Due to the discrepancies and failure to provide accurate verification, I am requesting the removal of this account from my credit report. The last updates were reported as follows : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and Equifax on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried on multiple occasions tried to have hard inquiries that where unauthorized removed from the reporting credit bureaus. I have sent letters, called, and everything Im not sure what else to do its making it hard to obtain credit. I have copies of the letters if needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX {$4.00}, PAY OFF XX/XX/2018 C/C {$480.00} DID I CALL, THEY SAID THEY WOULD TAKE CARE ALL READY, BUT IT STILL SHOWS IN MY REPORT. THE OTHER ACCOUNT IS ARMOR SYSTEMS CO, WHICH I PAID BUT IS STILL SHOWING AS UNPAID.
Product: Credit reporting or other personal consumer reports

On or around XXXX XX/XX/XXXXXXXX  I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both Equifax and XXXX to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to XXXX data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. XXXX and Equifax data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. XXXX, Equifax, and XXXX need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.
Product: Debt collection

I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX   # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, TD BANK USA/TARGET CREDIT # 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 / XXXXXXXX # XXXX, XXXX XXXX XXXXXXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXXXXXX XXXX XXXX XXXX / XXXX # XXXX, XXXX XXXX XXXX /  XXXX # XXXX, XXXX XXXX  XXXX / XXXX # XXXX, XXXX XXXX XXXX / XXXXXXXX # XXXX.