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

I had been a loyal member of USAA for several years, relying on their services for both my checking and credit card accounts. Last XXXX, I sold my house and deposited the proceeds into my USAA checking account. I then used some of this money for investments, including transfers to legally operating cryptocurrency firms within the US such as XXXX, XXXX, and XXXX. All transactions were conducted with US-based banking institutions, and at no point did any money leave the US banking system. 

On XX/XX/year>, I was shocked to receive a notification that both my checking and credit card accounts were to be closed. I was not provided with any specific reasons for this action, and this has caused considerable stress, especially with the credit cards, as I relied on my USAA cards for most all my purchases and closing them had a significant negative impact on my credit score. 

In trying to understand why this might have happened, I considered a couple of possibilities. One is the house proceeds transfers and subsequent investments. Another possibility is that I had previously placed a security freeze on my XXXX report, which I have since removed. I don't know if a report may have been ran that showed it frozen and it led to a negative account action, but it is unfrozen now if USAA would like to check.

I understand that banks have obligations to monitor and act on transactions they deem risky, but all my activities have been legitimate and transparent. As I said, the closure of my credit card accounts has significantly impacted my credit score and my ability to make necessary purchases.

I respectfully request an explanation for the closure of my accounts and an opportunity to address any concerns USAA may have. I hope to have my accounts reinstated or be allowed to reopen them without fear of immediate closure so I can continue to rely on the trusted services USAA has provided over the years. 

Thank you for your attention to this matter.
Product: Debt collection

On  XXXX   XXXX , I contacted this company about something I have noticed on my credit report that was opened on  XXXX . I informed them that I was never in any medical facilities and I have no knowledge of this account. They informed me that that 's what they received and they are not Going to do anything about it to investigate. I disputed that on  XXXX   XXXX  with the credit bureau. I do n't understand why I was n't contacted about this and how someone can just post something on your credit report without contacting you to verify that you actually owe that debt. This company is committing a fraud by submitting some documents that are clearly fraudulent.
Product: Debt collection

Lake City Credit contacted me at first with a letter about a past debt that they were trying to recover. The original debt was from XXXX XXXX XXXX  in the amount of {$1800.00} ( of which {$8200.00} was added for interest ). I believe they stated on phone it was a debt from XXXX. The company before them, XXXX contacted me about this same debt years ago and they alluded to possible legal and financial repercussions and basically " tricked '' me into paying {$25.00} a month to keep me out of trouble. I checked my credit report and called to verify the account and I found no record, so I stopped paying. 

According to the latest letter from Lake City Credit, the last date of payment was XX/XX/XXXX and the letter was dated XX/XX/XXXX. The letter states that there will be a " Possible Credit Rating Change Pending '' and later in the letter it was alluded to possible legal action. In the state of Texas the statute of limitations is four years ( Section 16.004 of the Civil Practice and Remedies Code ). The period between the last payment and the date of the letter is 5 years, 7 months. 

On XX/XX/XXXX and XX/XX/XXXX, I received a phone call and voice mail from XXXX XXXX about my Social Security number. I returned the call only to receive a very unwelcome message from XXXX XXXX that I have been " going in and out of the rabbit hole '' to keep from paying off the debt. The debt is not mine, to start with. He alluded to the fact that the debt WILL be collected and that I will face dire consequences such as garnishment and freezing of accounts because I would be accused of fraud by the courts. He even mentioned that I was trying to register a car ( which I am currently registering a car that I recently bought ) and that has me on surveillance paying on this debt. That is a scary thought that these people may or may not be watching me. He hung up the phone immediately without letting me get in a word otherwise. 

This company is breaking the law, in my opinion. They are alluding to possible lawsuits and the statute of limitations has expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, XXXX  I am sending this request myself XXXX  address the inaccuracies on my Credit Reports. Upon reviewing my updates, inaccurate information 's was found in my reports. This company, CAPITAL ONE BANK  USA N, has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, XXXX  continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days ; CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days ; CAPITAL ONE BANK USA N XXXX XXXX XXXX XXXX {$0.00} - 120+days;
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified ( XX/XX/2023 ) by my bank 's credit monitoring service that a new account had been added, and my wife also received a similar notification from her bank. I ( we ) did not open an account, so I contacted Experian to determine what had occurred. I ( we ) also contacted the " merchant '' ( XXXX ) to determine what was opened, and how it occurred. I was told by the merchant that they had no record of myself on any new account, but we found that an account had in fact been opened under my wife 's name. In discussions with Experian over the course of a few days, it was determined that I had been listed as an authorized user on this fraudulent account, and Experian instructed me to fill out an FTC dispute and submit it to them as well so it could be added to their file regarding my dispute. Which is what I am now trying to accomplish here.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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
Product: Money transfer, virtual currency, or money service

I am trying to link my XXXX XXXX account to my Coinbase account for use, XXXXis blocking that request. Please advise.
Product: Credit reporting

While checking my credit report, I noticed unauthorized and fraudulent credit inquiry made by XXXX on or about XXXX/XXXX/2015, on XXXX.I did not authorize anyone employed by XXXX initiate an inquiry on my behalf.XXXX has seriously violated my privacy Act and FCRA Sction 16:1b ( c ) .I personally contacted XXXX to informally resolve this matter but they denied my request without any evidence allegedly that I made the applications on line.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report. Below are the details of the disputed accounts : XXXX XXXX XXXX  Account Number : XXXX Balance : {$3600.00} This account violates 15 U.S.C . 1681i ( 7 ). It was reported without valid evidence of its accuracy. Please provide a method of verification or remove it immediately. As a victim of identity theft, I have included my police report for reference. 
XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account Number : XXXX Balance : {$1500.00} I have not received any valid documentation, including a statement or loan agreement, from this company. This account is fraudulent. Please remove it. 
XXXX Account Number : XXXX XXXX : {$23000.00} No valid documentation has been provided for this account. It is not mine, and I have included a police report. Please remove it immediately. 
XXXX XXXX XXXX  Account Number : XXXX Balance : {$1100.00} Under Section 623, this account is inaccurately reported, as the creditor did not provide a valid address for verification. Please investigate and remove it as it does not belong to me. 
XXXX XXXX Account Number : XXXX Credit Limit XXXX {$600.00} The payments for XX/XX/year> to XX/XX/year> were always made on time. Under 15 U.S.C. 1666B, this account is a billing error. Please update the status to PAID AS AGREED/NEVER LATE.

I have included the following documents to support my dispute : 1.

Police Report 2.

FTC Identity Theft Report 3.

ID 4.

SSN 5.

Proof of Address Any additional documentation Please investigate these matters and respond to me in writing within 30 days. 
Thank you for your prompt attention to these issues.
Product: Checking or savings account

On XX/XX/year> I paid {$390.00} on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX weeks later, my payment was still showing pending on their website so I contact XXXXXXXX XXXX  management and told them I paid my rent and it was still pending. They told me they no longer have access to the XXXX payment account and to dispute the charge with my bank since its still pending and then when I get the money to bring in a money order. I dispute the charge with chime and told them exactly what happened and even provided proof of the payment still pending and where it said on the website to contact bank to refund payment if payment is still pending. They denied my dispute and refuse to give me a complete denial letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is " XXXX XXXX XXXX '', and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that needs to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated : XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00}.
Product: Credit card or prepaid card

I opened an account with Citibank around 2 years ago, after confirming with multiple people at the company that the account will be converted solely to a XXXX card. I confirmed again in XX/XX/2020, being told yes that is the situation. Im deeply disturbed by the lack of integrity taken and my former complaint was closed out with no resolution or attempt to seek a resolution. Instead, Ive been bait and switched into a very poor quality credit card, when I would rather be back with my secured card working towards a XXXX.
Product: Bank account or service

I had come to a settlement with US bank and after not receiving anything in the mail/email after that, I get a collections letter from collctns agency I had money problems and my account was past due. I contacted them because I was going to do contact a credit consulting company or file bankruptcy but decided to contact them. We agreed to a settlement and thought that everything was closed because I did not receive any kid on mail or email notifying me of the situation. Then, at the beginning of this year a get a letter from an agency stating that my account was in collections for the amount of the remaining balance and when I ask for proof indicating this, I get statements for XXXX and according to portfolio recovery, the account was charged off in XXXX 2013 and then collections. This stories from both sides do not add up because I can not get a letter from US bank who " can not '' email because of securities issues. I think it had to do with US bank being bought out.
Product: Credit reporting or other personal consumer reports

I have informed TransUnion that the public records they are reporting on my credit are inaccurate and need to be removed. I have not received a response from them in over a year and I am not able to fill out another request in their system.btge amount of time has also passed for this to be reporting on my credit. I have also asked them to remove all the hard inquiries on my credit where I did not receive a loan or anything in return and they will not comply. 
Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX  Classification Bankruptcy Type XXXX  XXXX bankruptcy Responsibility Individual Asset Amount XXXX
Product: Credit card

I received a notice today in the mail ( XX/XX/2024 ) Showing on the letter account ended in XXXX ( which isn't even my last 4 numbers under my credit card ). They have this letter dated XXXX and without my knowledge, they closed my account without my consent to do so, as I do not want this account closed. I have been a great customer for many years with this company, always paying my bill in full when I used it. The last time I used it was at the end of XXXX. 

I tried to contact the company ( Commenity Bank for Victoria Secret Card ), and it never gave me the option to speak to anyone about my account, it stated they closed it and can not give me any information and the call drops.
Product: Vehicle loan or lease

I have been giving the runaround every single month on trying to set up my online profile so I can see exactly what Im paying for I also have never been sent any type of statement that I have requested be emailed to me. I am constantly told that they can not hear me every time I need to make a payment over the phone and they told me to call from my landline as soon as I start giving them my card information. They also tell me that my account is in a status where I can only speak to a specific person and that person is never available and or can only communicate with them by mail.
Product: Credit reporting or other personal consumer reports

I request that the accounts be removed from my credit report for mis information back in XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have filed several complaints/disputes before for the unauthorized and misuse of private information without resolution. Under 15 U.S.C. 1681 ( 4 ) ( Consumers Right to Privacy ) and 15 U.S.C. 1681 ( B ) ( Permissible Purpose of Consumer Reports ), I have the right to dispute and challenge the use of my personal information, particularly when no consent has been given for such use. The disclosure of personal, non-public information to nonaffiliated third-party agencies ( such as credit reporting agencies like Equifax, XXXX, and XXXX ) without giving me the opportunity to opt-out, as described under 15 U.S.C. 16802 ( B ), violates my rights. Using my personal information without my express written consent which can also be considered Identity Theft under 18 U.S.C. 1028 ( A ) ( Aggravated Identity Theft ).
Product: Credit reporting or other personal consumer reports

I received an email from Experian XXXX about a new inquiry fro XXXX XXXX. At the bottom of the email it says Log in now. The problem is when I try to log in it wont accept my pass word or pin. This has caused me to change my pass word or pin twice. And the log in now on my email still wont accept my pass word or pin. 

When I go online and log in at Experian my pass word or pin is accepted but the site doesnt provide any information about the new inquiry from XXXX XXXX XXXX seem all your site consists of is ads and offers. There is no information about my credit that I could see.
Product: Credit reporting, credit repair services, or other personal consumer reports

HIPAA Privacy Violation In a letter dated XX/XX/2021 I advised the credit bureaus ( XXXX XXXX, EQUIFAX, XXXX ) that I requested validation ( not verification ) of an item being reported to them by XXXX XXXX XXXX. The credit bureaus as well as XXXX XXXX XXXX responded with the items being " verified '' which puts them in violation of my HIPAA rights. XXXX did not validate this item being reported or provide a HIPAA release.
Product: Credit reporting or other personal consumer reports

I requested validation and proof I was given the option to opt of having my information shared with a XXXX party. I sent this to the Department of Education and XXXX. XXXX removed the items on XX/XX/year> dispute # XXXX, then put them back. The Department of education has not provided any information with me. I have multiple disputes with you and they have not responded to you either. Please have all XXXX credit reporting agencies remove these accounts from my reporting file : XXXX XXXX, XXXX, XXXX, Transunion. accounts are : Last XXXX of Account number 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
Product: Debt collection

I have been disputing a final billing with XXXX cable since XX/XX/XXXX. I have called them on several occasions to request my last few bills from them to verify no equipment charges are still on they account and they only send me the final bill. I called and they tell me i have to log into a non existent account to access the bill. Then i explain i dont have equipment or an account and there is still no help. They received their equipment on XX/XX/XXXX and the final bill from XX/XX/XXXX has a credit of XXXX but that is for service not for the equipment they collected on XX/XX/XXXX. I need to see the last 3 bills to verify what is owed. I have called them and they constantly sending to new collection agencies but not sending my the last few bills that i have requested. Lastly, I have not received any written notices from the collection company diversified consultants inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting an account as open when it was paid in full inXX/XX/2016.

In addition, they are reporting this account as 1.Factoring account 2. Updating it monthly 3. Reporting an open date, I signed no contract.

4. Reported after full payment on account 5. Refuse to close account after several disputes.
Product: Credit card

I went into chase branch to pay off credit card. I sat with personal banker, we talked to card services and received a total balance plus interest amount to pay off all total dues on account. I paid this amount in full and agreed not to terminate the account in good faith with a zero balance. The next day I was charged over {$250.00} in interest fees on the account I paid off in full plus interest the day prior. Chase refused to waive the fees and are forcing me to pay off the new Balance. I again went into the branch and talked to a supervisor and they pretty much told me I 'm shot out of luck and must pay the new Balance.
Product: Consumer Loan

Wells Fargo Dealer Services repossessed my vehicle so that they can resell it to make more profit. On XX/XX/XXXX, I sent Wells Fargo Dealer Services a fax explaining my circumstances for been late on my payments. I also made a post dated payment on that fax for {$1100.00} for XX/XX/XXXX. I called and spoke to the manager handling the account on several occasions to confirm my payment arrangements, yet Wells Fargo Dealer Services decided to repossessed my only vehicle that takes me to work and move my family around on XX/XX/XXXX. Wells Fargo Dealer Services insisted that I pay almost {$8000.00} to receive my vehicle that I only have less than {$5000.00} to pay-off XX/XX/XXXX. I have paid almost 97 % of the loan on my vehicle, and should be paying-off my vehicle in XX/XX/XXXX. 
Even though, I am always late on my payments, yet I paid my outstanding balance and late charges. 
Please assist to have Wells Fargo Dealer Services return my vehicle, I will pay {$2000.00} towards my outstanding balance, and will not be late on my remaining payments of the loan.
Product: Credit reporting

I recently noticed on my XXXX report that XXXX XXXX XXXX has us in " collections ''. " XXXX '' from XXXX XXXX did call me XXXX/XXXX/2015, I did not receive a letter, no verification, thought it was a scam. He did have some personal information but not exact. He was " fishing '' for info. It was apparent he pulled my credit if thats possible. He was not professional, did not verify any personal information before proceeding and then threatened to take legal action if i did n't agree to pay. I called back the number to see who would answer, it was him. I did explain personal and business issues since recession, the effect it has had on our credit, our home in foreclosure, working towards modification, i did make an offer to resolve the debt but did want debt verified, his company verified, he threatened legal action. He was indignant, WOULD NOT put in my offer, again threatened legal action. He never sent verification letter after he said he would and now i see it in collections? We lost entire YEARS of income since the recession, damages and continued loss of income with NO credit available. More bills than income. House in foreclosure. How can he threaten court without verifying debt and verifying who he called. He never read rights. One year earlier i was negotiating with XXXX XXXX, that company said they would return it to XXXX and XXXX would get back to me. We continue to struggle to get our income and home back on track.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and learned that an account in good standing had been removed from my credit report without my authorization, knowledge or in error. This has significantly affected my credit score and ability to apply for new credit. I ask that this account be placed back on my credit reports. This should be reported by law until XX/XX/XXXX. 

Account info Account name US DEPT OF EDXXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXXXXXX XXXX
Product: Debt collection

This company has called me multiple times a day, multiple days now. They call at least 3 times with only a few hours in between. When I first asked who was calling, they just asked for my name. I asked who was calling again since i did not recognize the phone number. They told me it was XXXX with RevNow?
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with fair credit reporting act accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late payments has violated myrights 15 USC 1681 SECTION 602 A states i have the right to privacy.

15 USC 1681 SECTION 604 a states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B A CREDITOR MAY NOT TREAT A PAYMENTON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON
Product: Credit reporting or other personal consumer reports

Credit Bureau TransUnion is fraudulently reporting inaccurate information as accurate on my account. They are saying the debt is verified according to the original creditor but the original creditor is agreeing with me that this information is not accurate according to their records. There are 2 accounts that TransUnion is reporting inaccurately on my report and they XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I have filed a dispute with both of these companies as well.