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

On or about XX/XX/XXXX, I contacted USAA Bank to cancel the New Mexico 's property and auto insurance. I requested to have the adjustment break down and they posted an amount inconsistent with the cancellation of the monthly premiums they were charging. In addition, they want to charge for XXXX and adjust an illogical amount. Upon my concerns, unusual and unauthorized double charges for {$59.00}. XXXX and {$110.00} emerged from a vendor that was not supposed to have my debit card info, as it had been recently replaced. To make a long story short, it appears that they are scrambling transaction dates, adding and subtracting inconsistently double charges, mismanaging payment transactions compromising my information, and refusing to replace my debit card promptly, in what appear efforts to distract me from deceiving charges, thus obstructing my financial ability to make choices. 
I respectfully request to have my Debit Card made available in a timely matter, as more than 5 days have gone by and I have not received it. The posting transactions may be consistent with the date and time of the transaction, and payments made to creditors be consistent and reliable rather than scrambled and confusing. 
Respectfully, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX : XX/XX/XXXX USAA Account # XXXX
Product: Debt collection

Focus Receivables Management keeps calling my home phone. I have no delinquent debt to be collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to amend the past due balance and also clear the past missed payments Account is charged off and have not had success getting an resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, this creditor has violated my rights. Under XXXX5USC1681 section 602 I have the right to privacy. 15USC1681 section 604a section 2 states A consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose. 15USC1666b Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX 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 a account without my written instructions.
Product: Checking or savings account

I received a text stating the following : Citi Fraud Free Msg : We declined a payment of {$1700.00} that has been initiated in your account through your Citibank Mobile Banking. Reply yes if this was you, If not, please cancel through this secure link here : XXXX XXXX XXXXXXXX From phone # XXXX I do not have an account with Citi so it is clearly fraudulent.
Product: Credit reporting or other personal consumer reports

Earlier this month I checked my annual credit report and noticed a credit card account with XXXX XXXX  XXXX  was charged-off. I filed a dispute with equifax and the investigation came back as accurate and stated that the account belongs to me. I wrote on the dispute that back in XX/XX/2016 I was on XXXX XXXX and was stationed overseas during the time that the account was opened.
Product: Credit card

I paid my minimum payment of {$51.00} on time to Chase bank on XXXX XXXX, 2016. I almost immediately received an email confirming my payment. On XXXX XXXX I received an alert from Chase that my payment had not been received and I was assessed a {$25.00} late fee. I immediately called and spoke to a rep who told me there was an issue with the system and to give it some time and the payment should process and the late fee should be reversed. Eventually within a day or so the payment was acknowledged and the fee was reversed. However, at or around the XXXX or XXXX an additional payment of {$51.00} was deducted from my checking account. There was not enough money to cover this second deduction and my bank charged me a {$35.00} overdraft fee. I am 100 % certain that I did not log in and make that additional payment, but they are insisting that I did and are refusing to cover the overdraft fee. Like I stated earlier, the first thing I did after receiving the initial warning that my payment had not been received was call them and I was told that they were experiencing issues and I was assured the payment would eventually clear. I would never risk making an additional payment of {$51.00} before contacting the bank because the money was simply not in there and I know these glitches can happen. Furthermore I explained to them that even if I did personally make that second payment I would have been justified considering I received a warning stating my payment had n't been received along with the late fee. Either explanation is n't getting me anywhere and I 've spent close to an hour on the phone with reps. I 've been told twice that the issue would require the assistance of a supervisor of sorts and that it could take up to 3-7 days to be contacted by one. At one point my checking account was negative {$75.00} with other bills upcoming. Luckily I had a family member who was willing to help me out being that I am currently unemployed. I feel it is extremely coincidental that the one time that Chase happens to be having payment issues I somehow mistakenly make a double payment. It is much more likely that the error ties into whatever issues they were having and the payment was registered twice. I am extremely insulted because I am being called a liar and being told I did something I know I did not do which was log in and make a second payment. Finally, I have lost confidence and trust with Chase because I feel that they are unwilling to acknowledge an error was made on their end.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX - XXXX - {$7300.00} XXXX CARD - XXXX - {$2500.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - {$3500.00} XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XX/XX/year> Also Known As : XXXX XXXX Previous Address ( es XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Current Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Employers : 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

Remove these accounts immediately. See attached documentation. This company is in violation and continues to report these accounts. I am in litigation and demand accounts to be removed immediately.
Product: Credit reporting or other personal consumer reports

This is a redispute to cfpb complaint # XXXX. 

Subject : Formal Complaint Regarding Improper Handling of Authorized User Account Violation of the Fair Credit Reporting Act The original dispute was an authorized user account that I previously had with discover was not reporting accurately across all XXXX credit bureaus as it should according to the FCRA. XXXX, a representative with discover stated that she could not locate my account to fix the issueI called her and gave her the information that she requested to locate the account properly. Instead of adding the account to the other bureaus properly as she should she decided to not get back in contact with me and remove the account across the board which is a clear violation of the FCRA 15 U.S.C. 1681. I have attached a photo for document of this happening. 

This omission has directly impacted my credit profile and may have caused undue harm. I am formally requesting the following : 1. Immediate Investigation : Conduct a thorough review of this matter under the FCRAs dispute resolution procedures ( 15 U.S.C. 1681i ).

2. Corrective Action : Ensure that the account is added and accurately reported on XXXX, XXXX and XXXX credit report. 
XXXX. Written Confirmation : Provide a written explanation detailing the results of your investigation and the steps taken to address this issue. 

Please be advised that your failure to ensure accurate reporting violates the FCRA, specifically under 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. 

If this matter is not resolved promptly, I am prepared to pursue all available legal remedies, including pursuing legal action to seek damages and other relief under the FCRA. 

You have 30 days from the receipt of this letter to respond and address my concerns adequately. Please send all correspondence regarding this matter to the address listed above or via email at XXXX. 

Thank you for your prompt attention to this matter. I look forward to resolving this issue quickly and amicably. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I used my Citi Bank credit card to book flight tickets on XX/XX/2018 at XXXX XXXX EST. The round trip itinerary was from XXXX to Washington DC. The transaction amount shown was {$1200.00}. On XX/XX/2018 I realized that I used wrong dates when making the reservation. I requested a cancellation on XXXX XXXX website at XXXX XXXX EST on XX/XX/2018, and then I did receive the cancellation confirmation from XXXX XXXX XXXX ( the Merchant ) stating that they had received my request. 

On the Merchants website it stated that Notwithstanding any contrary booking terms and conditions and/or fare rules, for online bookings made via our US Website, and seven days before departure, you may cancel the paid reservations within 24 hours after purchase for a full refund in accordance with our refund process set out at Changes, Cancellation and Refund. 
I contacted Citi Bank and opened a dispute on XX/XX/2018 regarding this charge as I hadnt received refund from the Merchant.

Citi Bank asked me to provide supporting documentation, I submitted the booking confirmation email as well as the cancellation email, both sent from the Merchant.

Citi Bank then contacted the Merchant but then declined my dispute as the Merchant told them the tickets were non-refundable. 

According to Department of Transportations rule ( see : https : XXXX ) as well as being stated on the Merchants website, the tickets I bought were eligible to get a full refund.
Product: Mortgage

I refinanced in XXXX and that company sold my loan to AmeriHome Mortgage. The beginning of XXXX I noticed they did not make note on my first bill that a XXXX payment was made to the original company for {$2100.00}. It showed {$100.00} and nothing to my escrow account. I called then and sent proof of payment. In XXXX, I received an escrow analysis showing I was short {$750.00}. I just refinanced and I doubt within one month my escrow is short. Funny the amount I am short is about {$6.00} difference than what the XXXX amount should have been. I have spent at least 4.5 hours trying to rectify this but they do not return calls or follow through when I ask them to look into this. I am beyond frustrated with this company and I had no choice with who bought my loan. They said there records show a return call on XXXX but no message was left or another call attempted. They return calls in 24 hours and that was my return call from XXXX, way past 24 hours.
Product: Credit card or prepaid card

I bought a power recliner from Ashley Furniture in XXXX, I received a manual rocker/recliner instead. There is a difference in price of {$400.00}. I have been trying to resolve this since XXXX. They promise to call with an update or say they will credit my account, which they have not done. I have tried their corporate office and to speak with their CEO, who is always not available. I believe this to be bait and switch. This company should be investigated.
Product: Debt collection

The company has never sent me a notice of the debt, and has simply reported the debt to the XXXX credit reporting companies.. When sent a request for verification of the debt, the company said they they could not provide me with the information until I provided them with a utility bill or insurance card with my physical address on it. I do not have either of these because I do not pay such bills. They refused to accept a copy of my state-issued drivers license, and will not provide any information about the debt besides for the balance, which I do not believe I owe.
Product: Credit card or prepaid card

Hello ComenityXXXX XXXX XXXX ; My name is XXXX XXXX and I'm really upset right now because I was reviewing my credit report and noticed that you marked me late in XX/XX/XXXX for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money {$110.00} out of my checking account that on the month that you marked me late on my credit report. Also, i was also under impression that i was protected under CARES ACT due to the fact i was impacted by covid19. The CARES Act, which President Trump signed into law on XX/XX/XXXX, Act amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis.
Product: Credit reporting or other personal consumer reports

Demand for Compliance with 15 U.S. Code 6802, 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), and Account Removal Request Dear XXXX, XXXX, and TransUnion Customer Relations Frauds department, I hope this letter finds you well. I am writing to bring to your attention certain legal provisions under the Gramm-Leach-Bliley Act ( GLBA ), specifically 15 U.S. Code 6802, which outlines obligations concerning the disclosure of nonpublic personal information. In conjunction with this, I have attached a relevant Federal Trade Commission ( FTC ) report for your reference. 

According to 15 U.S. Code 6802, a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless certain conditions are met. These conditions include providing clear and conspicuous disclosure to the consumer, offering the consumer an opportunity to opt out of such disclosure, and explaining how the consumer can exercise the opt-out option.

Furthermore, regulations such as 12 CFR 1016.7 Section ( a ), 5 U.S. Code 552 ( a ) & ( b ), along with 1016.7 and 162.6, detail the form and methods of opt-out notices to consumers, emphasizing the consumer 's right to opt out of the disclosure of their information to nonaffiliated third parties. Additionally, XXXX stipulates that covered affiliates must provide consumers with a reasonable opportunity to opt out when using eligibility information for solicitation purposes. 

As per the Credit CARD Act of 2009, consumers have the right to opt out of interest rate increases, fee increases, and other significant changes in terms, as outlined in 15 U.S. Code 6805. 

I would also like to request the removal of the following accounts from my credit report : XXXX. XXXX XXXX XXXX- {$710.00} - Account Number : XXXX XXXX. XXXX XXXX XXXX- {$120.00} XXXX. XXXX XXXX - {$1700.00} - Account Number : XXXX XXXX. XXXX XXXX XXXX - {$660.00} I demand that XXXX, XXXX, and TransUnion promptly investigate and remove these accounts from my credit report, as they are not legally and lawfully supposed to be reported. Please provide confirmation of the removal and an updated copy of my credit report reflecting these changes. 

Please acknowledge receipt of this letter and provide a written response within 4 BUSINESS DAYS outlining the steps your agencies are taking to ensure compliance with the specified legal provisions and the removal of the mentioned accounts.

Failure to address and rectify any non-compliance issues or the removal of inaccurate accounts may result in further action, including reporting the matter to the appropriate regulatory authorities. 

Thank you for your prompt attention to this matter. I look forward to receiving your response. 

Sincerely, XXXX XXXX Without recourse
Product: Credit reporting or other personal consumer reports

I am concerned about an issue on my consumer report. Despite consistently paying on time, there is an account reflecting a late payment that is negatively impacting my credit report. I am confident that this record is inaccurate and does not exist in reality. Why is this appearing on my consumer report, particularly with this reporting agency?
Product: Checking or savings account

First of all I had this bank for many years at XXXX Pennsylvania the bank was called United Bank the main office is out of Virginia but every time you ask they would say West Virginia I found out this later after this incident. What did happen is I took out a life insurance policy for {$25000.00} for {$110.00} and change once I made this transaction legal I was swindled by the life insurance Company buy set me up an automatic payment plan being how I can get a {$50000.00} policy for the same {$110.00} and change from XXXX XXXX XXXX XXXX I tried to cancel it but the life insurance company what you cancel it. The first month was a XXXX to establish everything I was headed for the second month and called the life insurance Company was forced to put in my information automatically then they hung up on me twice I called the bank ask them to stop the automatic payment before they took it and the lady there told me they don't do that, this was directly from an employee 's mouth I went to the same bank withdrew all monies except {$64.00} and change the Bank stoled {$64.00} and the change and put a payment that I owed them of {$92.00} and change in the whole fact of the matter is it should have been insufficient funds then I would have cancelled the life insurance policy as I tried previously. Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately
Product: Mortgage

Select Portfolio Servicing , Inc. has been trying to collect money through their escrow account, even though I never set up any escrow account. When I complained that I have homeowner 's insurance, they claimed that they had advanced property taxes. My attorney advised me that all claims from Select Portfolio were resolved in my XXXX  XXXX bankruptcy and that there was no escrow account associated with my mortgage. ( see attached ) Now they claim that I owe them one year of homeowner 's insurance, even though I had insurance continuously from XXXX XXXX until they canceled all policies in my community in early XXXX. There was a billing dispute with XXXX in XX/XX/XXXX, when I had switched to paperless billing, and their website would not accept my payment. XXXX claimed that my insurance was canceled on XX/XX/XXXX, and reinstated on XX/XX/XXXX. All of these disputes were resolved in my XXXX  XXXX bankruptcy, which I successfully completed and received discharge on XX/XX/XXXX, XXXX and Select Portfolio agreed that I did not have any escrow account, but now they are billing me for nearly {$600.00} for an escrow shortage dating from XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/22 to XXXX and TransUnion to remove an erroneous account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX CO XXXX Balance XXXX {$770.00}
Product: Debt collection

In XX/XX/2016 I recieved a phone call from Keybridge Medical revue Management in XXXX Ohio stating that I owe XXXX in Ohio for XXXX medical bills of {$66.00}, {$190.00} and {$51.00}. The lady that I talked to at the collection company said that these outstanding accounts were showing up on my credit report with all XXXX credit bureaus and that if i paid them they could take them off my credit. I agreed to pay the collection company and gave her my debit card number. 

About 60 day later in XX/XX/2016 i checked my credit report and the medical collections were taken off my XXXX and XXXX reports but on my XXXX report it remains as a paid collection. 

I called the collection company in XX/XX/2016 and the collection company instructed me to dispute the information with equifax and they would take it off of my equifax credit report. 

I have disputed the XXXX paid collection accounts on my credit report multiple times but equifax, and Keybridge Medical Revenue Management will not remove the XXXX paid collections from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax for failing to properly investigate and verify the accounts I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Equifax 's failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. Specifically : Equifax has failed to notify me of the methods used to verify the disputed accounts. 

Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. 

My disputes have been dismissed without proper reinvestigation, as required by law.