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

Twice a month since XX/XX/XXXX, I have ran into the issue of USAA holding so much of my funds that I keep having to make late payments and fees on top of it waiting on funds. None of my checks have bounced, so I don't understand the issue. Today I deposited 2 checks totalling {$2500.00}, and I can only access {$500.00}. I have XXXX XXXX blowing up my phone waiting to get paid, but I can't access the money to get money sent! This has gone excessive. I can not continue to have money placed on hold for so long that I keep owing more money to other places due to USAA! It is also RUINING my credit. I am not one fortunate enough to live with extra money. I live paycheck to paycheck with kids.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this request in response to your current evaluation. I have to pursue my efforts to resolve these matters which require intent to my personal credit report. I am frustrated and feel there are errors that are still reported on my personal credit report which are not clearly stated as to the accuracy and completeness of the information. The following items are listed below that need attention : XXXX Date of inquiry : XX/XX/, XXXX Date of inquiry : XX/XX/, XXXX XXXX  Date of inquiry : XX/XX/, XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/
Product: Debt collection

The following accounts has caused me financial ruin. These accounts are an result of identity theft. 



XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX  {$710.00} XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX  {$5500.00} XXXX XXXX XXXX   {$710.00} XXXX XXXX XXXX XXXX  {$330.00} XXXX XXXX XXXX XXXX   {$1400.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX during Covid 19 Pandemic was not able to make online payments on my mortgage, due to problems with the lenders online platform. I instead made payments by check thru certified mail. I have spoken with lender multiple times and they do not correct the error on there behalf. I still do not have access to my accounts online, and I am now suffering from the negative reporting that should had never been on my file to begin with. I was told that the late payment was going to be removed months ago. 

XXXX : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 XXXX : XXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/2020 Experian : XXXXXXXX XXXX XXXX Account # XXXX Late Payment : ( 30 Days Late ) XX/XX/202XXXX XXXX
Product: Credit reporting

I disputed an invalid debt on my credit report with Experian. The collection company alleges I owe a debt and they have not provided proof of the validity of the debt. I attempted to dispute the debt and 12 days after I disputed, Experian notified me stating that the debt has been " updated. '' When I called Experian, i asked them to provide me with the documentation they used in determining the unsatisfactory conclusion. The representative indicated they can not provide me such documentation as it is the creditors responsibility to fill out the form that Experian provides them. Furthermore, the representative stated that the creditor does not have to provide them with proof of the debt. At the conclusion of the call, The representative recommended I contact the creditor directly and ask them to provide me with proof. I stated to the representative that the proof needed from the creditor is impossible for them to provide ( i.e. A lease signed by myself or wife, a statement within the application agreement indicating that we would owe money to them regardless of whether or not we were approved ). She then instructed me to contact an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ran my credit without my permission
Product: Vehicle loan or lease

XX/XX/XXXX my vehicle, XXXX, XXXX XXXX XXXX, was stolen and totaled. My insurance company, XXXX XXXX XXXX XXXX XXXX XXXX, informed Westlake Finance that my vehicle would be covered and payment would be rendered to complete payoff of the vehicle. I continued to make monthly payments until XXXX and XX/XX/XXXX as I was advised the payment from XXXX XXXX XXXX XXXX XXXX XXXX would have been received to pay off the vehicle by XX/XX/XXXX. However, in XX/XX/XXXX, I received a notice from Westlake Finance advising that I was late two months payments that included the months XXXX and XX/XX/XXXX. I contacted Westlake Finance supervisor, XXXX, on XX/XX/XXXX and apprised her of this matter and advised that my nonpayment was not as a result of my error and to correct my credit report and to authenticate my statements by speaking with XXXX XXXX XXXX XXXX XXXX XXXX and in the interim, I would remit payment XX/XX/XXXX until the insurance company 's payoff check is received and processed by Westlake Finance. XXXX advised, on a recorded line, that she would resolve this issue and she would contact me with a resolution within five business days, to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently notified by a financial institution that Id applied to for credit that an fraud alert was placed on my Experian credit report which prevented them from accessing my credit report to approve me for credit. I did not authorize Experian to place any security freezes or fraud alerts on my credit report. This has happened with this agency in the past on several occasions. Ive never had this issue with XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you today to appeal a negative credit report entry that has caused a significant drop in my credit score. The issue at hand is a {$13.00} interest charge that I was not aware of due to travel, which was reported by JP Mogan Chase XXXX Credit Card after I had already paid off the entire $ XXXX balance. 

I strongly believe that this negative entry is unreasonable after making every effort to ensure that I paid off the full balance owed. The fact that this small amount of interest has resulted in such a significant drop in my credit score ( -60! ) is extremely concerning and has the potential to impact my financial future in a significant way. 

I respectfully request that you intervene in this matter and work with JP Morgan Chase Southwest Credit Card to have this negative entry removed from my credit report. I have been a responsible borrower and have worked hard to maintain a good credit history, and I believe that this one-time oversight should not be allowed to have such a negative impact on my creditworthiness and potentially a negative impact on my security level and job suitability. JP Morgan Chase Southwest Credit Card has a strict policy and they are unwavering. 

Thank you for your time and attention to this matter. I look forward to your response and resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently was approved from a discover it card. I received the card on the XXXX of XXXX. I activated the card XX/XX/XXXX and tried to use the card on my XXXX play account for a sum of {$7.00}. They denied my purchase and stated possible fraud and to give them a call. I called discover and went a specialty team member and loss prevention. They stated my phone number which has been my phone number for awhile can not be used to verify me and do I have another number. Then stated they can not help me and to call back. I called back over five times and its the same run around. They verified me using my same number when I created the account and now they won't verify me to use the account
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If XXXX XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Trans Union are not responding to my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX To whom this may Concern : 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. 

NO CONSENT IS IDENTITY THEFT, as a consumer I am demanding that these accounts listed be REMOVED IMMEDIATELY! 

Failure to do so, will result in me taking legal action where I will be seeking monetary damages in the amount of {$1000.00} for each violation.
Product: Credit card

Approximately one year ago, I signed up for debt management program under the XXXX XXXX XXXX  the agreement that was with Santander Bank for my credit card was that it would be 5 % and I would pay XXXX a month. Ive been paying XXXX a month and my interest rate has been 24 % and now XXXX they have never adhered to the 5 % interest rate which means that I will never get this credit card paid off and its not in accordance with the agreement made by that XXXX, however they continuously tell XXXX XXXX that Im getting a 5 % interest rate but Im not I need this resolved. This is fraudulent banking. Theyre overcharging me interest rate that they know that thats inappropriate to be charging me. This is not in accordance with the agreement that was made with XXXX XXXX XXXX XXXX several times whenever I called the company they say they dont know anything about that management XXXX XXXX XXXX  call about that management. They tell him everything is resolved, but it hasnt been resolved and this has been over a year and Ive been overcharged interest rate for XXXX year. I believe this is a deliberate attempt on Santander to discredit me as a result. They have also reported in accurate information on my credit report, which is made my credit score decline
Product: Credit reporting or other personal consumer reports

I was alarmed this morning when I saw incorrect accounts on my credit report, and I have no explanation for why this happened. I always check my report, but this time, out of the blue, there were discrepancies. I thought refreshing my browser might fix it, but the inaccurate accounts remained. I urgently request that the documents Ive sent be reviewed thoroughly so I can stop being anxious about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I put a freeze on my credit report in XX/XX/2017. I have tried several times to remove it. I get the run around. Yesterday I tried again. I did the automated questions and again at the end they came up and said to call a number. I called the number and the same guy seems to answer and every time he makes me do the questions again and then says I have to send in my drivers license and social security card by fax. My husband and I are trying to get a VA home refinance and have to have this opened. It is EQUIFAX in Georgia. My other 2 credit reporting agencys are unfrozen. It seems like they have something on my account and it jerks me around everytime I try to do this. Its been at least 4 times I have tried to remover it.
Product: Checking or savings account

There is unauthorized 2 XXXX transaction for XXXX XXXX and XXXX XXXX .i report fraud I closed my account but they denied to give back my money
Product: Debt collection

When pulling my credit, I noticed there was an account placed in collections by National Credit Adjusters ( XXXX XXXX XXXX XXXX XXXX, KS XXXX ) On XX/XX/2020, I sent a Debt Validation Letter to National Credit Adjusters to validate the debt shown on my credit report and better understand what was being reported. Today XX/XX/2020, National Credit Adjusters responded on XX/XX/2020 with a letter stating they would cease collection efforts. National Credit Adjusters made this update to my XXXX account but not my XXXX. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g Section 611 ( a ) ( 5 ) ( A ) ( i ) since National Credit Adjusters is unable to verify the  accuracy of the disputed account they must promptly delete this item of information from my file.
Product: Debt collection

Wells Fargo reposed my car back in 2015 over 7 years ago and now this year they want to try to sue me for the debt owed after XXXX!!!. Also the sent this information to he irs to seize my funds to get there money after they got there car back. I now owe the irs money because of this. I have never had this happen to me and with them taking this to the irs and say they going to seize my wages and property. I now have a XXXX debt owed to the irs that I can not afford to pay back because of Wells Fargo. Please if someone can get back to me about this. Thanks again
Product: Debt collection

This law firm is garnishing my wages- and I wasn't even notified. When I attempted to resolve the debt, I was directed to a website, given an account number, and told that I had to pay the amount in full and then my wages garnished would be refunded and a satisfaction of judgement issued within 30 days. When I went to pay the debt online, first of all, it would not accept the file number given to me, and the directions say to include the hyphen. I tried twice in a week, and finally, tried without the hyphen and it was accepted. I tried to pay the entire debt amount that was given to me over the phone with my company debit card. This is my company that I own, and there is plenty of funds in that account. I was given an XXXX  error ... .when I called and spoke with a XXXX XXXX XXXX he said that he called the XXXX department and said my address did not match what was on file with my card. This is the only address I ever use, and I've lived there for 10 years. There's no other address. Right before this call, I attempted to pay bills with this card and had no problems doing so. I was told that if I didn't pay with a debit card, it could take XXXX days to process and then I would have to wait another XXXX days for them to stop the garnishment and another 30 days to wait for my refund and satisfaction of judgement. So he proceeds to tell me that I could pay on the site using the checking account method. The instructions say that it will take XXXX days for processing, but if I needed it processed quicker to call. I also tried to pay this way, and it wasn't being accepted either. So I called back and had this same man take the information over the phone. I then learn that my balance grows by XXXX each day. So perhaps the amount was the issue in accepting payment. Regardless, this firm is making it nearly impossible to settle this debt. I have waited on hold for over an hour, and I don't have that amount allotted in my workday for that. I feel this firm is engaged in predatory practices that only make it more difficult on the debtor. It shouldn't be that hard to pay this online or contact someone over the phone who could resolve this in a matter of minutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown account that needs to be removed from my credit report. Please refer to attachment for details. Thank you
Product: Checking or savings account

I made a purchase for {$4.00} and another purchase I didnt recognize for {$4.00} showed up on my transaction list
Product: Debt collection

The company threatened to sue me and garnish my income if I should ever stop paying my allotted monthly amount in a payment plan that I agreed upon with the company in spite of my complaints to the company about my unemployment, low income from XXXX, and credit score too low for me to secure a loan. In addition, the company described to me in writing such a payment plan as a settlement in spite of the fact that the plan involves my payment of the entire debt, not just a portion of the debt. From my online research, however, settlements lower credit scores. Furthermore, contrary to such agreement between the company and me, the company, according to my bank statements, has been canceling my online payments to the company for XXXX consecutive months now, including yesterday, XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and saw accounts that I dont recognize.
Product: Checking or savings account

I have had numerous unauthorized transactions come out of my checking account with PNC BANK. I disputed these fraudulent transaction with PNC BANK. Within 10 business days I received a letter ( attached below ) stating that during the review of my account PNC BANK determined there was no error in these unauthorized transaction. I called the number provide to me on the letter and told PNC BANK I want to appeal their decision. I was told there was no way to file an appeal and the customer service reps had no contact information to give me to contact the dispute department at PNC BANK.
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. 

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 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 state 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.
Product: Checking or savings account

I could not do mobile deposits charged outragous fees an my account was closed by the bank with out reason.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX SSN : XXXX DOB : XX/XX/XXXX XX/XX/XXXXXXXX Barclays Bank Delaware Card Services XXXX XXXX XXXX XXXX, XXXX XXXX DE XXXX Subject : Demand for Arbitration Dear Barclays Bank , I am writing to formally demand arbitration regarding the dispute related to CONTRACT, billing errors under the terms of our contract ( balance owed and reported ) INACCURATE Date of Last Activity : XXXX XXXX. 

In accordance with the arbitration clause detailed in our agreement, I propose initiating the arbitration process to amicably resolve this issue. 

Please acknowledge this letter and inform me about the next steps in accordance with our agreement and applicable laws. Failure to respond within 14 DAYS will compel me to seek further legal action. 

I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Hi this is XXXX XXXX i disputed a transaction on capital one and they re billed it cause i never received there request of more proves so i had to call them and re open the case they request a pic of the phone and etc .... so i provided them with all they requested and they never follow up with me i had had to call and last time on XX/XX/XXXX after many times of uploding the information they requested and adjusting what they asked me to do i called on XX/XX/XXXXand the supervisor said this all what we need u have a strong case, and they never follow up with me i have to call every time and waste like at least 40 min, anways they ended up not disputing the transaction they said I did provide them with the all informTion, which i sent exactly whAt the request and everytime they say i should have sent diff documents, yesterday i spent 2 hours and all what they said unfortunately we can do nothing!!! After wasting my time between calling them on the phone and going to another merchant to get another opinion regarding my case, they said I didnt provide them what With information they needed, i asked them i need to see the third party decision which is master card they refused to send me which i believe they never sent the case to be reviewed by master card, and u told them i can go again and provide u with the statement with a letter head from the merchant they refused to open my case 0 customer service they did care about wasting my time for nothing!!!!!!!!! why they didnt tell me from day what they needed exactly!? And why they confirmed that they got all what they needed whenever i called them!!!!