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

Found out in XX/XX/2023 that my auto policy was renewing in XX/XX/2023 with and went from {$760.00} to {$980.00} for a 6 month policy. I spoke with 2 reps and informed them that I wanted to discuss and discounts that U qualified for because I couldnt afford to stay with them with the increase. I was told that if I enrolled in the safe pilot program, I would get at least a 10 % participation discount as well as up to a 30 % discount. I called back when the policy renewed because I received no discount as promised by two representatives. I downloaded the app and had it monitor all driving habits 24 hrs a day for 2.5 months. I was then told that I had to now wait until the next policy renewal in XXXX because I was supposed to be enrolled in before XX/XX/XXXX for it to be effective for this term. I was told that I shouldve at least received the 10 % participation discount but they had no idea how to apply it. 

A supervisor of USAA suggested that I complain about the issue and transferred me to XXXX ext XXXX of the USAA advocacy team on XX/XX/2023. Our initial conversation on XX/XX/XXXX went well but our follow up conversation today ; did not go well. XXXX accused me of lying about downloading and using the XXXX app in the past and kept loudly saying that her decision is final. On multiple occasions, I requested to speak with someone else ( her supervisor ) and informed her that both her tone and mannerism were both unprofessional and unwarranted, but I my request went unanswered. Im told that the calls are recorded so it should be easy to hear the entire conversation. 

Ive been with USAA for 19 years which is my entire military career and use them for car insurance, life insurance and home owners insurance and demand respect, professionalism and honesty. My acct has now been charged the inflated price while I look for auto coverage elsewhere. However, If I was promised a discount by 2 employees on separate recorded calls ; then that discount should have been honored.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX USA 3. XXXX XXXX XXXX  USA
Product: Money transfer, virtual currency, or money service

I am a victim of wire fraud. On XX/XX/XXXX I sent a wire the amount of {$30000.00} to an account/scammer that pretended to be the title company for a home I was closing on on XX/XX/XXXX. I returned to my bank, XXXX XXXX to make them aware and the manager called the receiving bank, Truist to see if the money was still in the account. Luckily the money was not withdrawn yet and the bank put a hold and XXXX XXXX started the recall process. Truist responded to the recall and confirmed again the money was still in the account. To date I have still not received my money back from Truist and have not been provided with any updates on what is going on or when I can expect to get my money back. I've now lost my home and deposit for the home. I need help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  is reporting an eviction that the courts DID NOT report to them to report. This is Defamation! Yes it is public information BUT they did not get my CONSENT to Publicly share my information or report it. This is ruining my reputation and I am liable to SUE for damages, they have violated the FDCPA and that makes them liable under 15 USC 1692k Civil liability.
Product: Mortgage

I applied for a loan modification with Ocwen Mortgage in XXXX 2016. I am asked almost on the weekly basis to provide information I have already provided. When I submit the missing documentation, I am told my modification is in review and with the next couple of days when I call I am told that either the same or different forms are missing to the point that my application expired and I have had to resubmit application again. I have only spoken with the relationship manager assigned to me once. Although they say notes are taken, the next person is never aware of previous contacts issues. I do not understand this. We are now in XXXX and this issue is ongoing. Please help me. Thank you in advance.
Product: Checking or savings account

I have an HSA account at Optum Financial with my old employer. I left the company but the account remained open since XX/XX/XXXX. On XX/XX/XXXX I submitted a form to close and transfer this balance to my active HSA account with my new employer. Not only did Optum not honor the transfer, unbeknownst to me, they created a new Optum account, and transferred the balance internally without my consent. I received no communication that a new account was opened, or any information on how to find this new account. I've attempted to verify why the account was open, what forms were filled out, and who authorized this new account, but Optum is unable to confirm any information. All the while, they have been charging me an " Account Maintenance fee '' & " Paper Statement Fee '' There was no reasonable way for me to know that I would need to Opt into a paperless statement, because I had no idea the account existed and was opened without my approval, but they still charged me a paper statement fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

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, 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. 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 THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ANTEDATES THE REPORT BY MORE THEN 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to them regarding a bankruptcy listed on my credit report. The information is incorrect all of it. They have stated that the info was verified through the furnisher which is not true they have never contacted them. I have on several occasions asked for the person who contacted the furnisher as well as the person they have spoke with and they have never provided that information to me. The information they are providing is information from a third party which I have also contacted regarding the info. I have since then froze and suppressed my files and the credit bureaus are still stating they have validated. Once again they have not been truthful. I will like both bankruptcies removed from my reports as they are incorrect. My spouse have kicked me and my XXXX children out and left us XXXX atvtuis time I do not have attachments. Due to the false information reporting I have been unable to obtain a place to stay for me and my children. U will like this issue resolved as soon as possible so that I am able to secure a place to live for me and my children
Product: Money transfer, virtual currency, or money service

I am filing this complaint with Zelle because Payments failed then taken away after times without authorization.
Product: Mortgage

I started to fall behind on my mortgage in XXXX XXXX because of a decline in my business. I have not paid since XXXX XXXX. My mortgage service provider is XXXX XXXX. I have contacted them multiple times in the past months asking for forbearance to be able to catch up my mortgage. What I am receiving from them is that " their investors '' will not allow forbearance therefore there is nothing I can do other than pay the back payments to reinstate the mortgage. My total amount due now is {$24000.00} due to late fees. My business has picked up and I am able to make the monthly mortgage payment but not the back payments. I have contacted XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and working with Nevada 's Hardest Hit fund to help. At this point no one has done anything. Any help you could provide would be greatly appreciated.
Product: Student loan

I applied for XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. My application included XXXX payments while I working for the Federal Government. This exceeds the XXXX payments needed for loan forgiveness. But, Mohela has not processed my application. It has been 9 months. The application is supposed to be processed within 90 days. Every time I call they tell me they see that I have enough eligible payments, but they need to update their tracker. Their story keeps changing and on XX/XX/XXXX they said they have to resubmit the payment certifications because it got " caught up '' in the system, so the clock starts all over. I resubmitted with everything they asked for. I called many times to inquire and they said my application was good and all payments could be certified, but they just needed to update the payments into the account. Now they have changed their story and said my XXXX employment from XXXX could not be verified because my former employer did not sign the form. However the instructions said if I could not get my former employer to sign the forms, I could submit a XXXX, which I did. This is also what my previous servicer and Mohela have told me over the phone. Now Mohela has moved the goal posts and said I need a XXXX for every year I want credit. So I provided those documents and Mohela said they XXXX get to them in 90 days. I submitted my application 10 months ago and they are saying another 90 days. They never told me there was an issue or a need for additional XXXX 's until I started hounding them. Then their story changes every time I call or email them and they XXXX up a new hoop to jump through. They have not acted in good faith. I keep calling, jumping through hoops and submitting more documents and it's never enough
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

Please delete the following inaccurate names : List of misspelled or inaccurate names : 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 Please delete the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) : for a consumer reporting agency may furnish a consumer report under the following circumstance and no other ; in accordance with the written instructions to the consumer to whom it relates.

CREDIT REPORTING AGENCY NAME has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, or written instructions to do so. These actions have caused my family and me a great deal of injury.

Furthermore, I am filing this consumer complaint and consumer check for compliance with these particular items that you are reporting under FACTA Title 1 sec. 151.

I have enclosed copies of my state-issued identification and social security number to validate my identity.
Product: Other financial service

I sign on with ClearOne Advantage debt settlement program, XXXX. 2015. When I signed on with a rep name XXXX XXXX, I asked several questions about this program. In the conversation the questions asked several times if there will be a fee link to this service, 3 times I was told " we never charge a fee ''. Now I am being charge a XXXX % fee each time a creditor is paid. Then she indicated do no worry we will handle everything, contact creditors sure they are taken care of. They did not explain that in order for the creditors to be paid/settled that I had to " reverse '' money in order to start working with them. 
Now I am face with a creditor wanting to send me to collection because of their " false '' information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report.

after number of request by me XXXX  it the only bureaus that had not block or remove any of those 3 account that had been open by identity theft. and not fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act, I had a furnisher of information to a consumer reporting agency all bureaus and XXXX  it the only one that had violates the FCRA, I will beginning file sue in state or federal court again XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Never Paid Late. ( DEPT OF ED/XXXX XXXX Balance : {$2500.00} ) ( DEPT OF ED/XXXX  XXXX Balance : {$4400.00} ; ) The records reflect a 90/120 without preceding 30, 60 days. This is a massive error. Investigate all records closely. According to FCRA 611 we need to make sure that you are reporting a 100 % accurate in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REACHED OUT TO EXPERIAN FOR HALF OF A YEAR AND THEY KEEP GIVING ME THE RUN AROUND. XXXX HAS REPORTED 11 INACCURATE ACCOUNTS TO EXPERIAN. THOSE ACCOUNTS ARE XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX EXPERIAN HAS TOLD ME THAT XXXX HAS OPTED IN TO REPORT MY INFORMATION BUT XXXX HAS NEVER GIVEN ME THE OPPORTUNITY TO OPT OUT! 

Information pertaining to student loan accounts XXXX  : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX are to be excluded from my consumer report. 15 U.SC. 1681 ( a ) ( 2 ) 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; The term financial institution as outlined in 15 U.S. Code 6809- ( 3 ) Financial institution ( A ) In general The term financial institution means any institution the business of which is engaging in financial activities as described in section 1843 ( k ) of title 12. 15 U.S.C 1681a ( ii ) ; states a consumer reports does not include any report containing information solely as to transactions or experiences between consumer and the person making the report. Consumer reports are also not to include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card. XXXX HAD DISCLOSED MY BALANCES TO EXPERIAN AS WELL. If EXPERIAN OR these items from my reports ARENT DELETED FROM MY CREDIT PROFILE effective immediately then I will sue them in civil & FEDERAL COURT and go for monetary damages. I have all of my documentation to prove how many times I've disputed this with the bureaus including copies of complaints filed with the CFPB, that I've tried to resolve this issue yet no one seems to understand the disputes clearly spelled out other than me. Remove all of the outdated accounts now or risk being sued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY CREDIT FILE XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card

I affirm that the incorporation of inaccurately reported late payment remarks on my accounts is a violation of the 15 USC 1666. Every payment associated with these accounts has been promptly remitted, and any deviation from this accurate reporting is unjust and unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a freeze be placed on my credit report due to a possible breach of my account and my identity being compromised. I am requesting a security PIN be sent to me form XXXX, XXXX and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 U.S. CODE 1681 FCRA, It's unlawful for a creditor to keep a account on a person 's credit report that contains improper information. I've had this problem with XXXX  over time and they have not yet removed this account from my credit report. They will go back and try to adjust the account which is unlaw and the account will still have errors. I have attached documentation of this from my previous compliant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is continually violating my privacy as a protected consumer. I have made multiple attempts to resolve this matter. I was denied my basic right of privacy without any regard. I am attaching a letter that contain some inaccurate information on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today as of XX/XX/2022, my credit score was affected by XXXX and XXXX points for applying to a credit card that I did not consent to. I already have a credit card with Capital one, I dont need another one. I did not authorize this action. I am trying to build my credit for a house and i wouldnt do anything to jeopardize lowering myself even ONE point.
Product: Debt collection

National Credit Adjuster

are stating an unknown account I never had is mine and is unable to provide proof. This maybe from fraud that happen back in XXXX this account doesnt belong to me. That didnt send any notification. They are harassing me with threats.
Product: Credit card or prepaid card

I WAS CHARGED FOR 2 CHARGES ON MY XXXX CITI VISA CREDIT CARD THAT I HAVE NO IDEA WHO THESE COMPANIES ARE AND I NEVER DID BUSINESS WITH THEM AND I DID NOT AUTHORIZE THESE CHARGES. THE CREDIT CARD WILL NOT PROCESS MY REFUND AND I DONT UNDERSTAND WHY.. I HAVE TRIED MANY TIMES. THE TWO CHARGES ARE XX/XX/18 XXXX XXXX- XXXX AND XX/XX/18 XXXX XXXX- XXXX ... THIS IS ALOT OF MONEY TAKEN FROM ME AND I NEED MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS SENIOR ABUSE. PLEASE HELP ME GET MY MONEY BACK
Product: Credit card or prepaid card

Goldman Sachs/Marcus credit card XXXX On my XXXX statement, my interest rate was XXXX XXXX. 
My balance was roughly {$4000.00}. In the following months, my rate went as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My complaint is this. If you change the rate on someone, it should be the rate on new charges only, not on existing balances. When I as a consumer charge a transaction, I am agreeing to the current rate on my card. Doing otherwise is unlawful. 
Secondly, the person in customer service doesn't offer any phone number, email address, or mailing address to get hep on a complaint. She only gave me the po box shown on a the billing statement. When I XXXX the complaint number, it was a disconnected number. 
Lastly, I requested bills be sent by mail when Goldman Sachs took over this XXXX card ( 6 months ago? ), and I have a record of them being sent to me. This past month they billed me online without authorization, and sent me a notice that I was behind in a payment. I called to make a {$1000.00}. payment the minute I got the email. The customer service person acknowledged I was correct. I was still charged a late fee. 
.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is trying to collect on debt not owed. My consumer report showing this company XXXX XXXX XXXX reporting write-off, profit, bad debt, loss, which XXXX consumer XXXX got a tax write off, the company owes me a XXXX. I did not receive a XXXX. I can report to the IRS suspicious of fraud, the account # XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S code 1635 15 U.S Code 1681e ( b ) This account should not bylaw be on my consumer report.