23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

USAA Continues to violate payment allocation rules according to the Credit Card Act. " PAYMENT ALLOCATION Subject to certain exceptions, when a consumer makes a payment on his or her account, issuers are now required to allocate the amount of that payment that exceeds the minimum payment first to balances that are subject to highest interest rates and then to each successive balance bearing the next highest rate of interest. '' I have a promotional balance with a 0 % interest rate. My 1 Regular Purchase for {$450.00} and my 1 Cash Advance for {$500.00} both accrue interest at 16.15 % and 16.40 %. I 've been making several payments way above my minimum payment which has been {$0.00} on all my statements since XX/XX/2016. USAA has not been applying the payments to the highest balances with the highest interest rates first according the Credit Card Act rules or their own credit card agreement. 
From USAA 's Credit Card Agreement : " How we apply Payments. We may apply Minimum Payments and other credits other than payments in any order we deem appropriate. Amounts paid in excess of a Minimum Payment are applied to the balance with the highest APR. '' USAA has continued to adjust my payments to balances in order to continue subjecting me to paying interest on balances that should have long been paid off. I previously contacted USAA directly regarding my concerns and filed a previous complaint, yet nothing has changed. I was even told by a senior USAA executive that I would be getting the interest I 've paid reversed, that never happened either. Is there another federal agency I should be reporting this blatant violation too? At what point should I contact an attorney or file for legal action?
Product: Credit reporting, credit repair services, or other personal consumer reports

My last compliant was XX/XX/2021. I have been disputing accounts and sending the company 3 FTC reports by certified mail return receipts. The company last response was that they don't know what accounts I'm disputing but on page 4 of the FTC report shows the 3 accounts as follows XXXX, XXXX XXXX, and XXXX. Page 3 and page 4 shows the inquiries, names, and accounts that are not mine and was identity theft. I have sent my reports from the FTC and several other dispute letters and also an invoice that was due by XX/XX/2021 with no response in the mail. I demand these accounts be deleted and blocked and I am sending another invoice and court document
Product: Credit reporting or other personal consumer reports

Experian 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 XXXXXX/XX/XXXX
Product: Debt collection

I DISPUTED THIS DEBT WITH XXXX XXXX XXXX AND REQUESTED VALIDATION, THEY SENT A LETTER SHOWING THE CREDITOR ONLY AND THEN VERIFIED THE DISPUTE AS INFORMATION IS CORRECT. THE INFORMATION IS NOT CORRECT ACCORDING TO THE FCRA THIS LETTER THEY SENT IS NOT A DEBT VALIDATION FOR BOTH XXXX XXXX XXXX AND XXXX XXXX I HAVE NEVER SIGNED ANY TYPE OF CONTACT WITH MXXXX XXXX XXXX AND NEVER RECEIVED PROPER DEBT VALIDATION
Product: Credit reporting or other personal consumer reports

Complaint Details Overview of the Current Situation I previously filed a complaint with the Consumer Financial Protection Bureau regarding inaccurate items on my credit report. The company, [ XXXX XXXX XXXX responded on XX/XX/year>, stating the complaint was closed with non-monetary relief. They indicated updates or verifications for certain accounts, along with mailing an updated credit report. 
Companys Response Response Type : Closed with non-monetary relief.

Alleged Action ( s ) : The company claims they updated or verified several disputed accounts, including : XXXX Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Updated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported XXXX XXXX XXXX XXXX Verified as XXXX XXXX XXXX XXXX Paramount Residential Mortgage Updated Non-Monetary Relief XXXX The company reported non-monetary relief but essentially reiterated their standard dispute process. 
Nature of My Ongoing Concern Incomplete Verification : While the company notes that items are verified or updated, I have not received detailed documentation or sufficient proof explaining how and why these items remain on my file. 
Accuracy Still in Question : Some of the disputed accounts do not belong to me, or the data remains incorrect. Merely stating they verified or updated does not address the specific inaccuracies I outlined. 
Lack of Clarity : The company mentions sending a new credit report by mail and a letter listing its dispute procedure, but it does not address the contradictory information I initially provided. I still do not see conclusive evidence from the furnishers or a breakdown of their investigation findings. 
Harm to Me Credit Score Impact : The continued inclusion of erroneous or unverified negative items is harming my creditworthiness.

Time & Effort : I have spent considerable effort attempting to correct my file, only to receive a generic response indicating verification or updated status. 
Potential Violations : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a reasonable investigation into each disputed item. Merely stating accounts are verified without showing the method or the original supporting documents from furnishers may not fulfill the FCRAs standards.
Product: Bank account or service

Money stolen from Citibank account 2 times in a 3 day period through unauthorized ATM withdrawals. 
Bank failed to cancel ATM card after XXXX incident was reported. 
Bank has made me open at least XXXX separate investigations claiming system problems, to deny having an open investigation for the fraud.
Product: Debt collection

resurgent bought a debt that they are not legally licensed in california to collect such debt the debt was charged off.
Product: Credit card

Called in XX/XX/XXXX2024 to find out why the late fee was still showing up under standard purchases when I submitted payments that were XXXX over minimum due. basically, was told that it not how it works, even though at the bottom of the statement there is a paragraph that says anything above minimum goes to highest XXXX first. XXXX on XXXX purchase showed as {$9.00}. Called today XX/XX/XXXX to complain as to why the standard purchase balance increase to {$37.00} when again I paid well above the minimum to cover any standard balance. Was on the phone for almost XXXX minuets and then they hung up the phone.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$560.00} XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX Balance : {$330.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX  Balance : {$2600.00} XXXX XXXX  Balance : {$83.00} XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$8600.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX  Balance : {$200.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 0XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I called TD Bank Fraud department regarding a denied charge on my credit account. 
During the verification process the customer service rep ask me for my Social Security number. She said that she needed the full social security number. I hesitated but she said she is with the fraud department and requires that I give her my social security number. 

I gave her my social security number and my Credit card information. SHe reversed the denial on my credit card and transaction went through. Later, I called back TD bank because of my anxiety with her demanding my full Social Security number. When I spoke with the customer service rep she stated that TD Bank 's policy is to ask for the last 4 digits of the social security number and she didn't see any notes on the account regarding my previous phone call to the fraud department.. Now I very upset over this and she said TD Bank will have a supervisor contact me. Several days later a supervisor called me, however she said there isn't much she can do because there are no notes on the account.
Product: Checking or savings account

My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking account.
Product: Credit card

I have consistently made sure that payments on this account are timely, avoiding any instances of overdue payments. I am uncertain about the reasons for the reports of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Product: Credit card

chase wont send me XX/XX/year> stnt showing i paid XXXX XXXX by credit card XX/XX/year> please mail me only
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted TransUnion, LLC to removed XXXX XXXX off my credit report 30 days ago.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.
Product: Credit reporting or other personal consumer reports

I received an alert that my credit report was accessed without my authorization on XX/XX/2024 by XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern : cfpb subject : Equifax credit bureau Cease and Desist : I am writing to formally request that Equifax credit bureau cease all communications with me regarding and pt- related matters in accordance with the provisions of 15us 1692c ( c ) ( a ) of the fair debt collections practices act. Despite previous attempts to resolve issues and disputes, I have continued to receive communications to have caused undue stress and inconvenience. Under 15 usc 1692 c ( c ) ( a ). I am exercising my rights to demand that equifax credit bureau cease all further communications with me regarding any debt-related matters. Please be advise that any further attempts to contact me will be considered a violation of the federal law. Thank you for your prompt attention to this matter. your cooperation is comply with this request is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to get a new car loan only to find out we had been denied because of a Identity fraud that I and my husband never requested.We had a previous bankruptcy however our credit scores were good enough for a reasonable loan. I was able to get XXXX to remove it I hope. However XXXX and Equifax I haven't been able to contact.Want it off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

" I am XXXX XXXX XXXX and I'm submitting this complaint myself and there is no third party involved '' Violation of the United States Code Law 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 not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

As a consumer these accounts on this letter must be deleted immediately 1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, You violated the United States Code Law 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 not other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report.

.

1.Under 15 U.S Code 1681 b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report anything on my consumer report with no consent is identity theft.

FEDLOAN Account Number : # XXXX As a Consumer by law this account must be deleted 2. 15 U.S. Code 1692 ( a ) - Consumers right to privacy The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium.

For this reason, a deletion of the above account is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication.

is necessary being that a consumer report is in fact a medium. You are violating United States code law ; reporting any information is indirect communication. 

Notice, it is a fact, that, I, agent for principal XXXX XXXX and affiant, has reason to believe and do so believes, am a victim aggravated identity theft under Title 18 U.S.Code 1028A on four separate occasions as Department of Education, XXXX, XXXX, XXXX, and XXXX has knowingly used without lawful authority, a means of my identification in order to compromise my financial reputation
Product: Consumer Loan

My first payment was due XXXX/XXXX/15 and it was setup to come out on my credit card automatically. I logged in on XXXX/XXXX/15 and there was red letting telling me my account was overdue and I had the option to make a XXXX time payment. I assumed the credit card transaction failed so I made a XXXX time payment with my checking account information on XXXX/XXXX/15. I then went in and set up future payments to not come from my credit card but to come from my checking account automatically, because it appeared my credit card did n't work since it said I was past due. Well, XXXX payments ended up coming out of my checking account. The first payment cleared on XXXX/XXXX/15 and the second on XXXX/XXXX/15. I immediately contacted Citizens XXXX on XXXX/XXXX/15 and explained that XXXX payments came out and I would like for XXXX payment to be credit back to me. The representative opened a " case '' and told me it could take up t0 15 days for my money to be returned. I waited until XXXX/XXXX/15 and contacted Citizens XXXX again and asked why my money had not been returned. The representative could not tell me but again opened another " case '' for someone to call me within 5 days with a status. I talked with my credit union after the call with Citizens XXXX on XXXX/XXXX/15 and they took XXXX of the double payments back from Citizen XXXX on XXXX/XXXX/15 ( they called it " MISCELLANEOUS CREDIT ACH RETURNED TO FED '' ) and the money was credited back to my checking account. I never received a call from Citizens XXXX with a status but their system does reflect a returned payment on XXXX/XXXX/15. Now, here is where I 'm concerned and Citizens XXXX has still failed to provide me with a clear concise answer. My bank account reflects the proper number of payments being made to Citizens XXXX ; however, based on the " Payment History '' on their website I have shorted them XXXX payment. Now, if you look at their " Transaction History '' I have made the proper number of payments. The last time I called Citizens XXXX was on XXXX/XXXX/15 where I simply asked the representative if my account was current and in good standing. She could not tell me wither or not it was over the phone and again a XXXX " case '' was opened up as a " complaint '' to have someone higher up call me within 2 days. It 's has been over a week now and not once over this entire situation has anyone at Citizens XXXX contacted me in regards to my XXXX, XXXX, or XXXX case. The phone representatives at Citizens XXXX do not have adequate information to answer any questions and the " cases '' seem to vanish as soon as they are entered.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : XXXX XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

I have acquired my credit report and have noticed multiple fraudulent accounts that are reporting on my file from identity theft. After my discovery I have reached out to the credit bureaus Experian, XXXX and XXXX to dispute this matter and to check and make sure everything is complete and accurate and to notify them of the accounts that are reflecting on my file from identify theft and requested an immediate freeze on my accounts as well as to update my personal information on XXXX XXXX and XXXX XXXX. I also informed the credit bureaus that I have file an FTC complaint on XX/XX/2003 ( FTC Report number : XXXX ) regarding this matter and that the account be removed and block from reporting to my credit report according to 15 US Code 1681c- 2 - Block of information resulting in identity theft. 
XXXX except as otherwise provided in this section, 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 that XXXX business days after the date of receipt by such agency of -- -
Product: Credit reporting

TRansunion has an account from XXXX XXXX and XXXX listed on my credit report. I have disputed this with them. I filed a complaint about the reporting company ( XXXX ) and they are not able to locate my account. How can they report this account but can not find me in their system. Sufficient information was provided. I have no knowledge of this account as I have never received any dispute letter as required by the FDCPA. How can Transunion allow a company to post something to my credit report without verification? Transunion has done this to me many times in the past and I have had to secure an attorney to help with this matter. If this is not corrected I will be forced to add this to the list for my attorney. I have attached my complaints with the CFPB where this company states that they can not find me in their system.
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. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries.

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 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: Credit reporting or other personal consumer reports

For over 3 knowing years I've been attempting to detach my identity from this account with the company XXXX XXXX. I noticed about three years ago that a car repossession was appearing on my consumer report. I had no idea where it had come from, or even how to remove the account from my consumer report. I was unfamiliar with the credit reporting process and didn't even fully understand how credit worked or even purchasing a vehicle. I have always purchased everything in the past with cash and I didn't even own a credit card up until about a year ago. After furthering my research on credit monitoring, I began researching on how I could make contact with the company XXXX XXXX to make them aware that I did not do business with them or request services from them. The person or institution that brokered the deal with XXXX XXXX was able to obtain an auto loan in the amount of {$27000.00} without my consent. This is a known fact and for about 41 months I've been dedicated to detach my identity from this matter, as it appears to be fraudulent. I have contacted XXXX XXXX on numerous occasions, and no one has corresponded back to me.
Product: Credit reporting or other personal consumer reports

I have hard inquiries I did not authorize on my reports.