23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

XXXX XXXX, 2021 My wife wrote check # XXXX from our USAA checking account to XXXX. 

XXXX XXXX, 2021 I received notice via e-mail from USAA that the check was returned due to " improper endorsement ''. We are on the road so did not get to see email until XXXX XXXX, 2021 XXXX XXXX, 2021 I spoke to XXXX, who transferred me to the XXXX XXXX XXXX. 
Talked to XXXX. She said the check would not go thru due to the improper endorsement and the size of the check. {$60000.00}. No real help was offered and her attitude was not helpful. 
I called USAA back and talked to a representative, did not write down her name, she suggested a cashers check an offered to wave the fee. With her help we issued cashers check XXXX for {$60000.00}. The check has in the memo " XXXX XXXX # XXXX '' Now the fun begins : On XXXX XXXX, 2021 We check or account. ( Have a screen shot ) XXXX XXXX # XXXX XXXX XXXX XXXX Ret # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Official Check Request XXXX my Bal. XXXX Cashers check was issued the evening of XXXX XXXX, 2021. 
But check # XXXX was cleared XXXX XXXX, 2021. 
No one can explain how with {$72000.00} in the account check # XXXX and the cashers check XXXX both were issued. 

XXXX XXXX, 2021 my financial guy receives the cashers check from USAA. I tell him to hold on to it until I can figure out what to do next. 

XXXX XXXX, 2021 I tried to get USAA to let me speak to a XXXX. Made a couple of requests. Was told someone would call be back before XXXX pm. Call never came. 

XXXX XXXX, 2021 Spoke to XXXX # XXXX she did create a CASE # XXXX. 
XXXX from USAA call me and give a long title. I asked if she was a USAA XXXX, she again gives me a long title. I asked again, simple question, are you a USAA manage? She hangs up. 

Finally I get to a call center XXXX. XXXX XXXX. He was sympathetic to my problem. He tried to help but was limited in what he could do. We decided the best course of action was to have my financial guy use XXXX to overnight the check back to USAA. XXXX gave me the correct banking address. 
I did express some concern returning the check fearing it might get " lost ''. 

Cashers check was sent via XXXX the evening of XXXX XXXX, 2021. 
( Have tracking number ) Check was signed for on XXXX XXXX, 2021 We call USAA every day. Probably a waste of time but trying to keep them focused on fixing this. 

XXXX XXXX, 2021 USAA XXXX XXXX XXXX member XXXX says the check is officially missing and we need to wait XXXX days to get our {$60000.00} back. 

I sent USAA, after some doing a .pdf showing the VOID'ed check with my USAA member number XXXX it. 

XXXX XXXX, 2021 Received e-mail that " check was found '' ( my term ). Funds will be in my account in XXXX days. 

XXXX XXXX, 2021 XXXX, will believe it when it happens. 
Decided to file this complaint. This should have never happened.
Product: Debt collection

they informed me of a debt that was with XXXX XXXXXXXX XXXX i have sent them many letters in the past asking to show me receipts to prove the debt as it states in the original debter aggrement that they kept sending me with a statement that just showes me just a total. no detailed dates with amounts i had identy theift in the past and they want me to file a police report from back in 2019 the sheriff department said was too long to file i have tried to weork with them on the amounts i owe and not what they are showing. they are rude when call state they can not talk on a recorded line help this is old and needs to be resolved
Product: Debt collection

The Company sent a bill to collection that was discharged in XXXX XXXX in 2017. They did not do their diligence and it has affected my credit score. I spoke to company on XX/XX/XXXX, via phone and a female stated that collection would be removed in 72 hours, it has been 72 hours. The items has not been removed, also she was unable to provide proof. I.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint on XX/XX/XXXX because my credit file has been compromised with identity theft / merging of credit files with my father ( XXXX XXXX XXXX ), me ( XXXX XXXX XXXX, XXXX. ), and my son ( XXXX XXXX XXXX, XXXX ). My credit report even shows my son 's birthday on my file ( see attachment ). My father 's name is still listed multiple times on my credit report. I also submitted FTC report due to my credit appearing to be used because I see accounts that have never belonged to me. Equifax responded they needed more time on XX/XX/XXXX. Equifax mailed a letter to WHO WAS SUPPOSED TO BE ME dated XX/XX/XXXX asking for two forms of identification. There are two major errors with this letter.

1. Equifax PROVED that my credit file has been compromised by stating the name of MY SON ( XXXX XXXX XXXX, XXXX ) on the letter instead of MINE ( XXXX XXXX XXXX, XXXX ). Please see attachment of this letter which was their response requesting additional documents after MY complaint. My son has never disputed anything. 

2. I've sent in a copy of my ID and bill showing my current address to Equifax multiple times. What is Equifax doing with my information?? Please see a copy of my ID and the la

st proof of residence sent to Equifax. Also, I've called Equifax multiple times and the last representative stated t
hat he saw something was not right about my report. He actually stated he was submitting it for " maintenance '' ( whatever that means ). I even my identification and utility bill AGAIN by the request of this representative of Equifax on XXXX. Please attachment of letter and proof sent. 

My credit report on Equifax website is showing false information as if it all has been deleted already and Equifax stated they don't see that report on their end. How???? It's Equifax website. Please see the false information they are showing me as if my credit is perfectly fine knowing they still have those false accounts on my file.
Product: Credit reporting or other personal consumer reports

I am deeply frustrated and overwhelmed by the presence of unauthorized items on my credit report, which are a result of fraudulent use of my personal information. I have never benefited from these transactions, and yet I am left dealing with the repercussions. Taking this matter seriously, I filed a report with the Federal Trade Commission, believing it would lead to a swift resolution. However, despite following all the recommended steps, these fraudulent items still remain on my credit report. This ongoing issue is causing significant stress and negatively affecting my financial well-being. It is unacceptable that these unauthorized entries continue to harm my credit standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the co-signer on a student loan account taken out over 10 years ago. The loan is now in repayment, and the main borrower filed for bankruptcy earlier this year. I live in XXXX, FL and the main borrower resides in XXXX, OH. 

Under the normal terms of the loan, when the loan fell past due, I was immediately notified by mail or phone and would ensure the payment would be made to avoid delinquency being reported. Once the main borrower filed for bankruptcy, the lender seized all communications with main borrower and also myself. I had to find out via credit reporting that this student loan account was past due. When I attempted to log in to online, XXXX also removed access online. When I spoke to XXXX 's bankruptcy department ( on several occasions ) the scripted representatives simply recited the same thing, that legally they were not able to contact me. Nonetheless, they deem it appropriate to ruin my credit, which I have worked tirelessly to keep intact, based on their guidelines. 

Now I have a problem with this. The main borrower filed for bankruptcy. I did not. So I should still be able to be contacted to give me an opportunity to act ( make a payment ) and fulfill my duty as a co-borrower prior to adverse action being taken. If it were up to me, the account would never default, but I have to know what 's going on with the account. Given XXXX 's decision to restrict access, my credit is adversely being affected costing me thousands of dollars, as I 'm in the process of closing on a home loan. 

The loan was reported past due during the months of XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

I have accepted a settlement agreement with XXXXXXXX XXXX XXXX XXXX I have made payments on time as agreed. According to settlement letter ( I am attaching ). I have had several problems with Sequium including trying to collect the wrong amount from my account. -- This happened multiple times.

I asked instead of making a draft on my account could we delete the future payments and I would call to make the payment each time. I was NOT told this would void the settlement offer in any way. The WRITTEN offer says NOTHING about requiring the payments to be automatically debited. 
Today I called to make an EARLY payment of {$53.00} to my account. The customer service rep. TOOK my payment it was TAKEN OUT of my account right away. 
I was then informed that the settlement agreement was no longer in place per a SUPERVISOR who noted my account ( noted that because I deleted the automatic draft the agreemtn was no longer in place ). 

I asked to speak to a supervisor who finally found the WRITTEN agreement that was sent to me ( although it took an act of Congress for them to send it to me ).

This supervisor said she would have a settlement letter sent to me but I don't trust anything this company has to say. I want to make sure this is resolved per our WRITTEN agreement. I have done EVERYTHING as AGREED.

Finally, I don't appreciate the curt and crass tone of the supervisor today. She wanted to treat me like a child and FINALLY agreed to look at the documentation but not before telling me how many things she " can't '' do and asking me if I have documentation YES, I have documentation and I have made all payments on or before the agreed time.

This is more than poor customer service it leaves a frustrated customer with no recourse. I have complained to the Texas Attorney General. To remove the agreement after a customer has followed the agreement to the letter is not just poor customer service it is against the Texas Deceptive Trade Practices act and amounts to fraud on a customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Act XXXX  Account # XXXX, has Violated my rights 15 USC 1681 Selection 602 States I have the right to privacy.

15 US 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose
Product: Debt collection

ON XXXX AND ON XX/XX/2021 I SENT A LETTER TO ALL THREE CREDIT BUREAUS EXPLAINING TO PLEASE VERIFY SOME ACCOUNTS THAT WERE ON MY CREDIT REPORT THAT TO MY KNOWLEDGE ARE INACCURATE AND ARE HIDIRING MY CREDIT ABILITIES. I ALSO SENT THEM A SECON AND THIRD ATTEMPT THE THIRD ONE I WAS ADVISE TO DO CERTIFIED SO YOU WILL PROOF ATTACHED THAT I DID.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against Credit Reporting Agencies for Improper Handling of Charge-Off Disputes To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing as a deeply dissatisfied consumer to file a formal complaint regarding the mishandling of my credit report disputes by the credit reporting agencies ( CRAs ). Despite my legitimate challenges to the reporting of charge-offs on my credit file, these agencies have failed to conduct proper investigations, yet continue to report a balance due, enabling original creditors to potentially collect payments multiple times for the same debt. This behavior is not only unacceptable but potentially fraudulent. 
My disputes relate to the reporting of charge-offs, which are inaccurately reflected as balances still due. The CRAs claim to have " verified '' this information, but their so-called verification process is nothing more than an automated ID match through a computer system. This lazy and flawed approach does not constitute a proper investigation under the Fair Credit Reporting Act ( FCRA ). 
Moreover, the continued reporting of a balance after a debt is charged off is an accounting error that the CRAs are fully aware of. Such actions have significant implications for both myself and the IRS. If the original creditor has indeed charged off the debt, they are required to issue a Form 1099-C for canceled debt income. I demand a copy of this form so I can accurately report it as income on my taxes and ensure compliance with federal law. By failing to address this matter and allowing this erroneous reporting to persist, the CRAs are complicit in facilitating a potential violation of IRS regulations. 
Under the FCRA, the CRAs are obligated to ensure the maximum possible accuracy of the information they report. Their failure to investigate my disputes properly and their continued reporting of inaccurate balances represent clear violations of this obligation. Furthermore, this practice exposes me to potential tax liabilities and creates unnecessary financial and emotional stress. 
I am seeking the following remedies : XXXX. Immediate removal of all inaccuracies related to the charge-offs or collections reported on my credit file. 
XXXX. Copies of any Form 1099-C issued by the original creditor to substantiate the charged-off debt. 
XXXX. Compensation of {$1000.00} per violation, as stipulated by the FCRA, for each instance where the agencies failed to comply with their legal obligations. 
XXXX. Any additional statutory damages deemed appropriate for the harm caused by their negligent and fraudulent actions. 
I urge the CFPB to hold these agencies accountable for their blatant disregard of consumer rights and their legal responsibilities. This matter has caused significant harm to my financial health and well-being, and I expect swift and decisive action. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and inform me of the steps being taken to address it. 
Sincerely, XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX SSN : XXXX XXXX
Product: Payday loan, title loan, or personal loan

Payment was made on the due date to refinance loan they accepted the money process not explained thoroughly interest rate hiked to 209 %. I am XXXX and struggle to continue paying this note while it isnt laying down any at all. Refinance was to ensure additional extension of originating contract and told would be due XX/XX/XXXX for the finance charge. Consumer then after accepting payment online didnt renew loan as agreed and demands payment in 30 days for XXXX not what was explained nor notified before merchant accepted my payment. Requesting my account be paid in full by consumer whom also data breached my information as well as did not follow through with contractual agreement per the lender and continues to charge full amount plus raised interest in unbearable 209 % not agreed upon. I wish to have the merchant agree to return my title and agree to sign off on my loan as paid as agreed as a base to settle data breach and not continue be able to charge an over excessive amount of interest that isnt obtainable by someone XXXX and not currently able to work. I also have XXXX XXXX children needing to get to and from hospitals as well as myself for procedures that may be life threatening if I cant get there by way they threaten to repossess vehicle when I made my payment on time!
Product: Debt collection

GreenSky , LLC. needs to provide me proof of a signed contract by me. XXXX XXXX and I have completely parted ways and dismissed my loan so if GreenSky wants money, get it from XXXX. I have nothing to do with them or you anymore. Stop sending me bills. If you need to verify that I was refunded for my four treatments that did not work and my " contract '', determined by them, has been cancelled - call them. They sent me a letter but no proof of contract and neither have you. I have no money and I owe no money. It's now between you and XXXX. As far as I'm concerned, I have no more to do with either of you and paid my dues. Leave me alone or I'll get the ADA involved for you dismissing my medical documentation.
Product: Prepaid card

I receive AMEX gift cards from my employer. I have had trouble finding anywhere that will accept it. It declines in person and declines online. I have tried purchasing other gift cards and it declines, as well as adding it to XXXX ( XXXX FAQ says you can added prepaid credit cards to wallet ) - not accepted. I just have a bunch of money sitting on plastic cards I can not use.
Product: Checking or savings account

Bank of America XXXX XXXX XXXX XXXX XXXX. 
XXXX, NC XXXX Dear sir, I need to inquire the transaction made on XX/XX/year>, adjustment/correction of posted item, which I can not understand what it is. Your company has charged {$2.00} for this transaction which I do not recognize at all. I request the explanation. Since I hate the calls from any numbers, I prefer you will answer by secure message system inside of your online portal. On the same date, I have received calls from possible calls from your executive office of Bank of America twice. Somebody unknown who claimed he was an executive escalation employee of Bank of America called me. Since I do not know what he meant the escalation and I repeatedly reported that I do not like call since sometimes we receive the scam, phishing, and suspicious calls who claim themselves bankers or polices, as the XXXX XXXX in XXXX XXXX XXXX, XXXX, I do not believe them. He told in these calls his number was XXXX ( ext. XXXX ). Maybe, he wanted to try to explain this unknown transaction of {$2.00} by phone. As warning from XXXX XXXX indicates, we, XXXX, become cautious for all financial transactions, except those who work in financial area. Anyway, please explain what this is adjustment/correction of posted item. If your company insists that I have asked some adjustment and correction, please let me know, since I do not know it at all. If there is no movement like that in my accounts, please refund {$2.00}. 
Since I do not like the phone calls, with strong suspicion and concern, that I might have the difficulty of communication and understanding as the person speaks XXXX as a second language, I do not want to have the financial explanation on phone. Also, I can not find out the alternative ways other than phone calls, I just report and mail it to your headquarters. 
Sincerely,