23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have discovered that certain information is inaccurate. The following item ( s ) require rectification : XXXX XX/XX/XXXX {$4500.00}, XXXX XX/XX/XXXX {$3000.00}, XXXX XXXX XXXXXX/XX/XXXX {$3500.00}. Please remove this from my report. In accordance with the Fair Credit Reporting Act, I hereby request that you investigate these items and remove them from my report. I understand that you are required to verify these items with the corresponding creditor. Should the creditor fail to provide verification, please eliminate the disputed information. Pursuant to 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I kindly request that you notify any party who has received my credit report within the past six months of any corrections made. Thank you for your attention and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information was sent XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX via certified mail while providing any documentation, ie DL This has caused hardship on my household. 
My information is constantly on the XXXX web, I'm alerted every week about how a new inquiry for a new account ( credit, car, house ) in my old name and addresses. My name has been different for over a year, and all the other names on my account are either misspellings or haven't been my name for over 20 years.
Product: Money transfer, virtual currency, or money service

I sent {$6100.00} to Coinbase by wire transfer from my XXXX XXXX XXXX account on XX/XX/XXXX.  Coinbase is located in the XXXX with a bank located in XXXX that should receive the payment. 

The balance has not shown up in my Coinbase account still, and today it is XX/XX/XXXX 

I have made numerous attempts to contact and speak with customer service who keep saying that they are going to put a specialist on the case. They have told me this three times. I have used both their online form for submitting issues as well as emailing them directly to ask about a status update. No response whatsoever.
Product: Mortgage

I had XXXX homeowners insurance since XXXX and XXXX as my agent/broker since XXXX. Rushmore Servicing took over servicing my mortgage on XX/XX/XXXX. My renewal was due XX/XX/XXXX, all my prior renewal had been paid in XXXX ; yet Rushmore Servicing send payment ( XX/XX/XXXX ) only after XXXX sent them a reminder notice on ( XX/XX/XXXX ) via general mail with XXXX other clients to XXXX. XXXX XXXX payment was posted ( XX/XX/XXXX ) ; ( TWO DAYS AFTER THE DUE DATE ). On ( XX/XX/XXXX ) was when I first learned that my homeowner policy had been cancelled.
Product: Credit reporting or other personal consumer reports

I sent certified mail to remove unknown charges off my credit report. I do not recognize this hard inquiry on my credit report.
Product: Debt collection

XXXX XXXX was my insurance back in XXXX, I cancelled after 6 months because I went bankrupt, cancel my insurance via phone and via email to my agent at that time XXXX XXXX, Well their receptionist told me I could not cancelled that I needed to send a letter to XXXX, and if not they were going to ruined my credit, i mailed a letter of cancellation to XXXX XXXX and I specifically told them I did not gave XXXX XXXX permission to sell my information to any 3rd party. The office from XXXX XXXX closed and forget to cancelled my insurance. 
I was not even driving and returned the vehicle back to dealer.Well 3 1/2 years letter and they sold the so-called debt to Credit collection Services without my permission and now they are calling me constantly and sending me letters to paid the {$1300.00} that supposedly is owed to XXXX XXXX for the cancelled insurance from XX/XX/XXXX
Product: Debt collection

We moved out of our apartment ( XXXXXXXX XXXX XXXXXXXX ) XX/XX/XXXX. In XX/XX/XXXX, my wife contacted them to get an apartment verification for a home loan and was told that we had a {$3000.00} balance for failure to vacate the property without notice. She told XXXX XXXX property manager ), we did give proper notice and even showed him the email that was sent to the previous property management, he said that it was not valid. She then contacted the previous property management company, who confirmed we gave proper notice AND that information was emailed to her. I personally went to the office and gave XXXX the copy along with a copy of the picture of the walk thru we did with his former employee and he said he would send it to corporate for approval and get back to us within a week. Two weeks later, we heard nothing. I went back to the property again and was told by XXXX that corporate denied the approval and we still had the {$3000.00} balance and now he was saying that included damages. My wife contacted corporate several times in XX/XX/XXXX and finally received a response in XX/XX/XXXX from XXXX XXXX. She was told the charges would be corrected and would only be charged for damages, which she estimated around {$900.00} or less. Again we never heard anything until in XXXX my wife received notice that they sent us to collections. She contacted corporate again and several times since then and til this day we have not had a reply from them. XXXX, the property manager, did reply and said he left my wife a voicemail and since we didn't pay, he sent it to collections. She asked when he left her the voicemail because she never received a call from him, he said he didn't know. Furthermore, if our balance for damages was around {$900.00}, I'm sure they didn't take into account that we gave a {$1200.00} deposit and therefore don't owe them anything, they would owe us money. Also, he could have contacted me as well, he had my phone number and email address that I left him when I dropped off the paperwork. And in the paperwork, also included my forwarding address, I never received a notice by mail either.
Product: Payday loan, title loan, or personal loan

Hi I'm a XXXX Veteran i have been a member of USAA Federal Savings Bank for 8 yrs. I had purchase car insurance through usaa.I cancelled my car insurance with usaa on XX/XX/2020 every month since Ive had car insurance with them they have automatically taken out payments. They took out XXXX payment of {$440.00} from my checking account with them. I cancelled my car insurance on XXXX XXXX. They were also offering covid-19 payment plan so XXXX i paid {$51.00}, XXXX {$370.00}. The problem is they kept {$440.00} for the whole month of XXXX which I cancelled on XXXX XXXX. They say i owe them a balance of {$500.00} because they are still trying to collect and charge on a service I did not have anymore. How are they able to keep the car insurance payment for this month of XXXX and also charging me {$50000.00}. This company has had many complaints from other members about how they are cheating their members! I was also told by XXXX from the bank that if i ever get more car insurance from them i would have to pay {$500.00}. This is USAA Bank over charging people!! I have been an outstanding member of this bank! I shouldn't owe them anything they owe me a refund up until the time i cancelled with them on XXXX XXXX. Please investigate USAA! They are cheating members everyday!!! Please help me!!!!!
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX are all reporting incorrect information. There are late payments on the account listed as XXXX Account # XXXX the consumer agencies are reporting late payments differently. 

XXXX is reporting a late payment XX/XX/year> Experian XX/XX/year> and XXXX XX/XX/year> since the information does not match up it means this account has not been properly verified as accurate. Remove these late payments immediately. 

( 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 21 days before the payment due date. 

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my balance to RMP collection last XXXX. During payment receipt they said they will delete the collection from my report. Seemingly they never did. I called them few times again and they have been telling me they sent the request again but Transunion still showing the collection. Because of this I am not able to take out new mortgage. 

There are few accounts ranging from XXXX to XXXX dollars. One of the account is XXXX On XXXX it shows up as RMP SERVICES LLC # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX It does show account paid in full, but it needs to be deleted.
Product: Credit reporting or other personal consumer reports

I have called multiple times to have an old address of my brother 's home address removed from credit report I no longer get mail there and that old address has been updated to my current address so the information reporting is inaccurate. 
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

My Td bank debit card was charged for Unauthorized items. 

{$22.00} on XX/XX/XXXX XXXX  {$130.00} {$210.00}. On XX/XX/XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to Bank of America because they are reporting info on my consumer report without my permission. I never received a response back from them.
Product: Credit reporting or other personal consumer reports

i started receive letters from companies i didn't recognize, so i requested credit report and i saw, that they reporting XXXX accounts which i never had, i believe, that someone using my personal information and applying for credit cards. i have never sign any agreement with these creditors. I don't understand why do i have to be responsible for these debts.
Product: Debt collection

either the company, as well as any debts belonging to original proprietor, has been bought by another debt company slightly different in name, or they simply don't assist in helping see all your options from a legal standpoint. I was informed by Jefferson Capital that if I had this dropped off from my credit report that it would dramatically decrease my credit score as its taking age from my credit report. I was misled in the beginning, lead to believe my original debt with XXXX was settled as I made a payment towards an outstanding debt that was eventually going to get settled by myself, until all of a sudden collections had it, even though I was specifically informed that that would not be the case. I called jefferson capital multiple times over the past year and all they seem to promote is a supposed XXXX dollar fee to run credit/consumer report and then provide options. this last time I did pay the dollar and was basically informed that if I didn't pay XXXX XXXX dollars per month to a credit building program then I had no other options. paying a monthly fee simply to have my credit report monitored/corrected just didn't seem viable seeing as I am the one who's been assigned this task, by myself. 
As well, I was told on the phone that there were many errors and I would easily be able to dispute it. the catch was that it would've had to have been through their service for the monthly fee.
Product: Vehicle loan or lease

In XX/XX/2016 I leased a XXXX XXXX ( VIN XXXX ). I was clear that I needed XXXX miles per year because of my commute. This was discussed in person and via email with the sales manager. My previous lease, the lease referenced and current lease are all XXXX miles. 

When I turned in the vehicle I was charged for mile overage. It was then revealed that the lease documents were tampered with. 

The lease miles were changed on the document. The document that was given to us as a copy was not the copy that I signed. The paperwork that I signed absolutely matched the XXXX miles agreed upon. 

XXXX is not taking this seriously or even helping to investigate matters, they are reliant upon us for getting email records from our previous email provider.
Product: Credit card or prepaid card

I noticed a mysterious charge for a couple hundred dollars to my prepaid card. I called them up ( Blackhawk network ) and started a dispute. They told me to email in the required info. I did so, but they closed the dispute claiming I had never sent the info in. They said I could send it in to get the case reopened, so I sent them the same email again. They did nothing, and I called again and they claimed the previous rep had lied to me and refused to resolve this fraud.
Product: Debt collection

Bank of America is disregarding federal laws designed to protect consumers at large. They havent produced any of the 5 documents being requested to validate that the case is lawful. 

I urge the federal government start a full-scale audit/investigation on Bank of Americas practices including looking into all cases won by default judgment across the nation and prosecute all individuals in this operation that helped in any way to get any illegal judgment.
Product: Credit card

I have a XXXX XXXX ( Continental Finance ) that I closed about 2 years ago. It had not been delinquent but I wanted to pay it off. I have never missed a payment of $ XXXX since I had the card. About 3 months ago I wanted to put it into a debt management program ( XXXX XXXX ) to get interest rate down to pay it off. XXXX XXXX contacted them twice to send a proposal and they never responded to it. All the while I was still paying the $ XXXX to keep the account current. Due to problems with XXXX the account had a late payment of a matter of days and XXXX charged a late fee of {$39.00}. Since XXXX  really had no interest in working with me or XXXX XXXX I requested XXXX XXXX forget about it and I would just continue to pay $ XXXX. To make a long story short XXXX charged me another {$39.00}. I set up autopay for XXXX and requested that they pull $ XXXX. However, because of the late fees I had a payment due of {$160.00} ( which was totally erroneous ), they were supposed to pull a payment of {$35.00} of XX/XX/XXXX and instead pulled the {$160.00}. I called my bank to stop payment on the {$160.00}. They have tried to do this but because the payment hasn't posted yet they are unable to do it until it posts. I called XXXX XXXX and got them to drop the late fees after I informed them that late fees have been capped to {$8.00} for each transaction. Well once I told them that they dropped the late fees and we had a conference call with my bank and we are going to have another conference call once the {$160.00} posts to my checking account to have this charge refunded back into my checking account. I'm requesting that you look into the practices that XXXX ( XXXX XXXX ) is engaged in. I'm sure I'm not the only client that they are charging exorbitant late fees to. Please look into them because what they are doing is usury. Also, their customer service is atrocious ; it's like they intentionally make it difficult to connect with them ; it's like they are trying to hide their business practices. I would appreciate any help you can give me in resolving my issue and ensuring that no other customers have to be subjected to what I've been subjected to.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding the Zelles handling of disputes, particularly in light of the recent CFPSs lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 
The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also has allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On XX/XX/XXXX my diaper bag was stolen from my car. As soon as I found out cancelled all my credit cards and debit card and got them replace. A week later on XX/XX/XXXX Chase branch XXXX and XXXX here in XXXX TX called me saying someone had tried to cash a check with my driver license and that the person saw they were taking long and run away. The person left my identification and check with them but had already cashed 2 checks with them.The Chase manager from that location recommend me to go the nearest location and get this resolve. I went to a XXXX TX location and the person who help me made a new account and they transfer all my funds from the old account to the new account. The next day on the XXXX of XXXX chase had already taken out my money away from the 2 checks the theft cashed. How was it possible for the teller to cashed the checks with my ID to someone else, that person didnt do her job right! Chase decided to closed my new account as well and left me with no money, they said Im going to receive a check when ever they think the issue is resolve. I need my remaining funds plus the returned checks that I didnt cashed. I have bills to pay and its already XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Some of these items are more than 7 years old. Please remove the following fraudulent accounts and inquires immediately, thank you. 

Account Opened Amount XXXX XXXX XXXX  XX/XX/XXXX {$2700.00} XXXX XXXX  XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$2900.00} I C SYSTEM INC XX/XX/XXXX {$970.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XX/XX/XXXX {$190.00} Hard Inquiries XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I uploaded a letter to XXXX, XXXX  and Transunion and asked if they could send me copies of the documents used to verify the accuracy of the account on DATE SUBMITTED. They sent me an alert which said the account was updated and the companies verified my accounts. I asked for proof of any files to verify these accounts and if there are not any, please delete these accounts. XXXX, XXXX or Transunion does not have any files to verify these accounts, nor will they delete it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts on my credit report that are not mines. I have reached out to the companies to help me get these account removed but they refuse to help me. Please help me get these account off. I believe to the best of my knowledge that i am a victim of identity thief.
Product: Debt collection

relate to reference # XXXX. false accusations due to I closed my checking and savings account with XXXX in XX/XX/XXXX because my XXXX was decreased for moderate reasons, in XX/XX/XXXX during my divorce I found out Midland Funding LLC had a Lien on my property, I called and asked Midland Funding the reason of the Lien, agent told me XXXX sold my account to Midland Funding in XX/XX/XXXX and owe $ XXXX, I told the agent my account was close in XX/XX/XXXX, I ask for their documents and other questions, which he could n't give me an answer, agent then transfer me to another department. 
once connected I ask for their documents and was told I open my account Online which I never do, cause I do n't trust online banking, I asked what department I transfer to? she told me is Law office for Midland Funding LLC and will look into it and call me back once she finds or dismiss the claim had against me. 
XX/XX/XXXX I received letter from XXXX, Attorneys at Law send me copies of alleged accusation from XX/XX/XXXX which I have no knowledge of, since then I been receiving numerous letters from Midland Funding AND XXXX stated false accusation from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX from both parties and different amounts which I have no knowledge of. the time I opened and closed my accounts with XXXX in XX/XX/XXXX, same year XXXX was under investigation by the FDIC with Fraud and embezzlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit card account opened XX/XX/XXXX is owned by XXXX XXXX XXXXXXXX XXXX XXXX, XXXX FL XXXX ; Phone XXXX The account has been paid on time with no late payments. 

On XX/XX/XXXX I applied for a credit limit increase from {$100.00} to {$1000.00}. At the time of the request and currently my credit is in the good standing, and my salary and credit history are good. 

However, the increase was denied. When I asked why, I was told it was based on information in my file- my credit score. I asked for a copy of the denial letter with the referenced credit score. I received a copy of the letter via email and in the mail. It was an old letter dated XX/XX/XXXX which referenced an old credit score from XX/XX/XXXX. Transunion was referenced as the consumer reporting agency. 

On XX/XX/XXXX I called the company again to try to get the old information updated in my file. I spoke to a representative at the number listed above ( same in letter ) and asked why the company is using outdated credit reports and scores to deny credit increases. It was a waste of time. He refused to assist and kept repeating " decisions are based on soft inquiries and credit reports in your file. '' When I asked what is the date of the soft inquiries and credit reports in my file, he kept repeating " its what's in your file and we don't have any control over it. It's automated. '' I countered multiple times saying " if the information is incorrect or automated who can fix it? '' He offered no resolutions and would not help so I asked to be referred to a manager or department who could assist. He said he needed to place me on hold and it would take a while for someone to assist. I was placed on hold for several minutes but no one ever picked up the line nor did he update me on status. 

I am seriously contemplating closing the account since it appears the company does not seem to care about the concerns of loyal customers. Any help provided would be appreciated.
Product: Credit card

I carry a {$0.00} balance on my QuickSilver credit card with Capital One. I was assessed an annual fee of {$39.00} on XX/XX/XXXX. I did not realize I owed anything on the card ( the annual fee ) and was assessed a late fee of {$25.00} on XX/XX/XXXX ( less than one month after the fee was assessed ). As a result, I closed the account within 39 days of the annual fee being assessed, which, per Capital One policy means they will now reverse the {$39.00} fee. However, they will not reverse the {$25.00} late fee they assessed on the annual fee that i no longer owe. Enjoy the last {$25.00} you ever get from me.