23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have a credit card with USAA. I opened the account with a balance transfer and only intended to use the account to slowly pay off the balance without ever intending to use the card. After several years of payments, on XXXX XXXX XXXX XXXX XXXX XXXX XXXX appeared on my account that I never made. The charge was refunded on XXXX XXXX XXXX but since that date I have been charged purchase interest on that transaction every month. 
My first call to USAA was in late XX/XX/XXXX to dispute the purchase interest. I told them I wanted a fraud investigation started and the purchase interest stopped. I was told that the only way to stop the purchase interest charges was to pay my balance in full. The account balance is several XXXX dollars. I told them that was unacceptable and ended the call. No further communcation was received from USAA. 
Every call to USAA requires XXXX min to as much as XXXX hours to get through and be transferred several time until you can get the right dept. 
On XX/XX/XXXX I called USAA and after XXXX or XXXX transfers, I was told that the member resolutions team 's computer was down and I would have to call back later. 
On XXXX XXXX XXXX I called and after only XXXX minutes I got someone that understood the problem but she put me on hold and when she came back her microphone was garbled, then I went back to hold music, then garbled mic and suddenly I was back at the beginning and had to explain the problem again a person that then transferred me to the " stop payment dept '' where the prompt said the wait was XXXX min or longer. I hung up. 
On XXXX XXXX XXXX I called and spoke to a woman that advised me a fraud claim was never filed, but she would start XXXX now. She refunded me XXXX month of purchase interest and promised me a letter would be sent to me in XXXX to 5 days stating the results of the claim. No letter was ever received. 
On XXXX XXXX XXXX  I called and after about an hour I spoke to XXXX XXXX in member resolutions. After another XXXX min on hold, she advised me that I would have to send a letter to USAA Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She advised the letter had to all the details again. 
On XX/XX/XXXX I sent the letter. 
On XX/XX/XXXX I never received any reply but XXXX finance charges were reversed totalling {$25.00}. 
On XX/XX/XXXX The purchase interest charge is still being added to the acct. 
On XX/XX/XXXX USAA added XXXX charges totaling {$24.00} listed as " adjustment to account '' without any explanation. 
Further statements in XX/XX/XXXX and XX/XX/XXXX show they are still charging purchase interest. 
It is very apparent on my account because I don't use the card but this is probably happening to thousands of their customers without them even knowing!!!!
Product: Debt collection

I have been struggling with an account that appeared on my XXXX  and XXXX  credit report that is not mine. Original creditor ( XXXX XXXX ). I have disputed this account numerous times and It keeps coming back with different collection company names. I do NOT own this account. I have never owned a XXXX account in.my life. After talking to XXXX  it was recommended to me to file a claim with the FTC to get this problem resolved ... I have tried contacting the collection company Allied Collection SE and have filed 2 disputes but I never have been able to get a hold of them. So please help I do not know what else to do.
Product: Mortgage

I Have been current on payment since XXXX never missed a payment, my payment increased from {$830.00} to {$1400.00} biweekly % XXXX increase for no reason. 
I have an ARM adjustable loan. Bank increased my Principle from {$310.00} to {$950.00} biweekly ( I am NOT talking about the interest ) my Bank is Wels Fargo. 
since XX/XX/XXXX. I had to sell my wife 's car to keep making my payment current. I have submitted all documents and trying to lower it since I'm on social security limited income. my Balance is about {$60000.00} only. Wels Fargo caused me great financial hurt for my limited income, I'm fighting to keep my house after XXXX  years of being current on my auto payment. the bank wouldn't let me contact my agent. I can't reach his extension number, when I call, instead I talk to a different one every time I call and start explaining everything from the beginning. I have the worse experience of my life, with Wels Fargo bank. It's been XXXX month trying to finalize this, but No lock, my credit score close to XXXX score.
Product: Student loan

Years ago I attended XXXX XXXX University for XXXX XXXX for less than XXXX semesters. Since then I realized the school lied about job placement and ultimately decided to attend XXXX college instead after racking up an overwhelming amount of student loan debt. In between that time I put my loan on foreberance. I recently became unemployed and have not attended college in over a year. I 've spoken with Navient and informed them of my situation and that I can not make payments. Their continuous harrasment has become impossible to deal with ; they call my cell phone night and day ( sometimes past XXXX ), they have contacted my old place of employment, they call my mom ( the co-signer ) all through out the day including late at night ( XXXX ). Every time I try to workout a payment plan they expect me to make payments I can not afford ( over {$200.00} ). I can not afford those payments so my only option is to default and continue gaining insane interest! The school that I acquired this debt for- XXXX , in my opinion, took advantage of my situation. I was he dropout child of an XXXX, my family never attended college, and they did not have much knowledge of loans and debt tied to private student loans. We were told that " fashion merchandising '' was a great career choice in XXXX Florida, there would be job placement, and that the graduating rate was 100 %. My mother reluctantly agreed since she thought this was a real University and that I would have a chance at a career. After less than XXXX semesters I spoke with XXXX in the program who said hat graduates they knew never got job placement and were so in to debt they had to drop out. I made the decision to leave XXXX by in still paying for it. I want help on lowering my loan to something affordable and realistic and I would also like to know my options regarding the legal issues and circumstances regarding instances like mine.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), Please investigate the unverifiable items and remove them immediately from my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX at approximately XXXX pm I went to XXXX XXXX XXXX ATM. I requested XXXX dollars from my American express sever account. The ATM started processing my request. The machine made sounds of counting the money. And the screen stated " please take your cash '' but no cash was there to take it continue to make the same noises of counting cash and after a minute the machine stated this transaction has been cancelled and no money was given. No receipt was given and the machine went back to the original setting. So I accessed my account via my mobile app to check my balance and it shown the XXXX withdraw. I tried to access my balance using the ATM and it would not give me a balance. I tried accessing another transaction and was not successful. As I was at the machine I called American express and spoke to a representative they filed a dispute of the transaction and told me I would get a second email in approximately 24 to 48 hours requesting additional information. On Monday XXXX/XXXX/XXXX I called the Branch spoke to XXXX the XXXX XXXX who informed me that he could not give me any information concerning the ATM. And I need to file my dispute with my bank ( American Express ). On XXXX/XXXX/XXXX at XXXX pm I received an 2nd email from American express with the dispute form and instruction on responding through an encrypted email. I followed the instructions and responded back to them. On XXXX/XXXX/XXXX at XXXX I received a Email from American express that the completed the review and determined no credit was due. And the ATM provider confirmed the funds were dispensed and if I wanted a copy of the documents that was used I need to contact them ( American express ) I called them on XXXX/XXXX/XXXX at approximately XXXX am. I requested the documents and also requested to reopen my dispute. I never received those documents but they did reopen my dispute. I received the open dispute email on XXXX/XXXX/XXXX at XXXX am. I received an email on XXXX/XXXX/XXXX atXXXX am stating that they are in the process of reviewing my claim and if they need additional information the will contact me. On XXXX/XXXX/XXXX at XXXX stating they completed there investigation of our dispute. But in the email it states that they sent me an email on XXXX/XXXX/XXXX and we requested additional information within a specified time frame and you did not submit it and they need additional time to complete their investigation which can take up to an additional 30 days. I called American Express spoke to a representative and he explained nothing just that he was documenting all of this and would be sending this to the dispute team via email. I requested once again for the documents showing I got the money. He stated he would make the request also. He also stated that my dispute was still open.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
there is some inaccurate information reporting. 

XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, GA XXXX 3. The inquiry was not authorized AUTOMTV CRDT Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I paid off my XXXX XXXX and have n't used it in 6 months. I received an alert that my credit score dropped from over 750 down to 620. When I looked at the reason, it was due to an unpaid fee on this XXXX XXXX card. 

I never received notice and because I had already paid the card off I did n't have any reason to check the cards balance. I called the company and complained and closed the card, when I asked if they could help with my credit score they said " it is what it is '' and that was the end of that. 

This is troubling since XXXX it 's the only cc I have and 2. I have had a nearly perfect credit score for many years now and this one incident has caused a significant dip.
Product: Vehicle loan or lease

Purchased vehicle from XXXX XXXX in XXXX, GA in XX/XX/XXXX. Financed through Southeast Toyota Finance. XXXX XXXX sent wrong mailing address to Southeast Toyota Finance despite specific instructions. I was not aware of this error and began making payments according to loan paperwork provided by the dealer. Payments were made monthly via online banking from XX/XX/XXXX to XX/XX/XXXX. I did not notice that the XX/XX/XXXX payment was not deposited by Southeast Toyota Finance. I discovered the error while trying to log on to their website on XX/XX/XXXX. Contacted the Southeast Toyota Finance Customer Care Department. Was told by XXXX XXXX that the finance charges ( {$450.00} ) had accumulated from XX/XX/XXXX. XXXX stated that they had received returned non-deliverable mail that was sent to the wrong address in XX/XX/XXXX. XXXX also stated that they had attempted contact by phone in XXXX and XX/XX/XXXX but were unsuccessful. I have received no voicemails or emails from Southeast Toyota Finance indicating that my account was delinquent. The Manager of Customer Care, XXXX XXXX, offered to reduce the fees by one half, but insisted that I should have contacted them and bore responsibility as the customer. I told her that it was only by chance that I knew about the fees, and had no indication that there was a reason to contact them. I have sent the missing payment and it will arrive on XX/XX/XXXX.
Product: Debt collection

Southwest Credit Systems {$260.00} Original creditor XXXX I do not owe this much. Have disputed for over 4 yrs Attempted to settle with XXXX numerous occasions but they refuse!! I DO NOT deal with collection agencies. Southwest just put this charge back on my credit again & trashed my credit score. I 've had XXXX accounts closed because of this. I 'm sick of dealing with this I could very easily pay this but I 'm NOT paying something I do n't owe XXXX XXXX, 2015 XXXX took {$60.00} off for equipment return, I own that equipment Took it to {$200.00} Now XXXX says there was NO charge and added the {$60.00} back on. My next course of action is court!! XXXX never sent me a final bill 4 yrs ago when we moved. XXXX now states that they ca n't accept any kind of settlement that I need to pay full amount but then told me that I could to thru Southwest and settle for less amount This makes NO sense to me. I will not let this go until it is off my credit once and for all. Southwest has over 500 complaints with BBB I will continue to file complaints thru XXXX XXXX until resolved
Product: Debt collection

AFNI and one of many collection agencies who try to collect a XXXX Account for XXXX during the last year. When filing a complaint the companies that were reported ceased collection 's Many complaints about XXXX  have been filed with this bureau. I have asked several companies trying to collect this debt and when I tried to get them to verify this debt in writing, they just sent a copy of the XXXX bill ... I my opinion, this was not a validation of debt. See complaint XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Dispute Regarding Removal of collections Dear Sir/Madam, I am writing to formally dispute an issue I have encountered with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX, and I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to resolve this matter . 

On XX/XX/XXXX, I recently check my credit report and noticed several collections and charge offs on my credit report. Despite my efforts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and several inquires including XXXX XXXX XXXX XXXXXXXX XXXX, the issue remains unresolved and has caused me to be unable to finance a house and car. 

I believe that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, and XXXX XXXX has violated therefore the collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). 

I request that the CFPB investigate this matter and take appropriate action to resolve the issue. Specifically, I am seeking the removal of all accounts mentioned off my credit report immediately or be subjugated to the full extent of the court of law. 

Please find enclosed all relevant documentation pertaining to this dispute. I appreciate your prompt attention to this matter and look forward to a swift resolution. Should you require any further information, please do not hesitate to contact me at XXXX Thank you for your assistance. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance to the fair credit reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 U.S.C 1666- correction of billion errors ( Accounts ) - XXXX XXXX  XXXX XXXX ), XXXXXXXX  ( XXXX ), XXXX XXXX/ XXXX XXXX XXXX ), XXXX XXXXXXXX ( XXXX ), XXXX XXXX XXXX  XXXX ) ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor
Product: Money transfer, virtual currency, or money service

My PayPal account is under email XXXX I opened a PayPal account on a roll XXXX. And then was asked to submit documents, which were my bank statement, proof of address and ID or passport submitted. Then I received a message saying that they had to send the review to the back office team for further review then on XXXX XXXX they told me my account was permanently limited and I was no longer to use PayPal and I could not use my balance for 180 days because they needed to put it on hold in case of charge back or anything like that on the account. The only issue is I dont use that account to sell anything. Im not a seller Im not a business account. I have literally two transactions on there one being a purchase on the Internet and the second is {$100.00} sent to me friends and family from somebody I know. Then they wont tell me the reason because they cant even see the reason why I am not allowed to use PayPal and how is it OK for them to just decide that theyre going to keep my money for 180 days I dont know about that but I need all the money I can get and thats my money and I dont know how they can keep it for that long as a long time if you ask me and so theyre pretty a big me if you ask me. I could see them holding it in fear of a chargeback or anything like that if I was using it as a business account or as a seller account but that is my own personal PayPal like I said Ive done two transactions total on that PayPal its not gon na get charged back I promise you that because one its my friend and two its pretty impossible with PayPal to charge back a transaction set with friends and family, unless they issue with their bank but like I said its my friend hes not gon na do that and its not their money, so why can they hold it and just sit there and collect interest on it because thats what I heard they do and why they hold money all the time and do whatever they think they want Anyways, I need to withdraw my money now its my money I need it I dont care what they say even really they need to give me my money or I will go further with legal action even if its only XXXX bucks its just not right to do to somebody for no reason
Product: Vehicle loan or lease

XXXX XXXX /drive time is reporting me 30 days late the month they received my pay off from the new purchaser my vehicle was sold XX/XX/2020 to XXXX XXXX a pay off was requested XXXX XXXX was informed bill of sale was reported to mvd /dmv pay off was made I have never been 30 days late with XXXX XXXX  in the XXXX years of having an auto loan with the company when i call they say their credit team will fight any dispute i have and report my final payment " my pay off " as 30 days late and there's nothing i can do about it I was in the process of buying a home and this hit dropped my credit score 44 points the fact that my history with them has been great and the month They get their pay off and im no longer stuck paying them thousands in interest i feel like they are punishing me when I have pay them in a timely manner I have already reported the company to the XXXX  because of of the mangers told me thats the only way i will get any help from them
Product: Credit reporting or other personal consumer reports

A roommate release was signed before the actual tenant occurred the debt and I never taken off and i was not residing at that address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove these items that are 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 after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again. XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX ; XXXX IXXXX XXXX XXXXXXXX, NJ XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.