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

Back in XX/XX/2018 l paid for a membership with XXXX XXXX using my USAA Debit Card for {$40.00} l disputed this charge with USAA as months have gone by and XXXX XXXX failrd to provide the membership to me, the last communication by email l had was them telling me " you will hear when we hear '' so l disputed the charge and USAA send me a reply saying l was out side the time frame, l told them, the reasons as l am here and they refused to except it as a result of me not receiving the membership from XXXX XXXX l have lost the whole season to XXXX XXXX XXXX. I am asking your agencies help in resolving this, this is not a normal situation and USAA has to understand this, l am not trying to get free money from USAA but money that l work hard for and money l paid for a membership that l never received and will not receive now. So l am requesting that your agency help me in getting my money back. It sound like USAA wants to loose a long time customer over this and does NOT care that l am out of pocket for a item that was not provided to me by the organization that got my money and provided me with nothing over these months. 

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

Equifax is not allowing me to view my free annual consumer report.
Product: Credit card

So like I stated I'm the description I have been very sick and I've had so many family issues n emergencies one after another then I come to the other when I finally gained access to my credit report for the first time i was flabbergasted. My credit score was XXXX to start and is now at a whopping XXXX XXXX in some that a huge decrease my credit demise started last year I only had one credit card XXXX emergencies and I put a little on n paid it off immediately every time then all the sudden a huge boom the credit smash all the sudden out of nowhere there is repeated hard inquiries clear up until now I had many open lines of credit n everyone was exceeded over balance. When normal person has nothing on there credit then all the sudden all this action n all these credit cards here n there. How did this happen how did someone not see this and stop no they kept handing out the cards now here it is I'm not trying to get credit but simply ask for a fraudulently opened credit card be taken off my account I can't even get that n I'm the real XXXX  person. I just found my credit was ruined and aspire XXXX was too worried about making fun of my voice saying I sound like women I got enough going I don't need harassment from the very company who allowed my account to be fraudulently open without my consent is giving me a hard time they gave out a credit they shouldn't have but I can't dispute the account and have it removed from my credit report I didn't make this account. My cousin was in n out of saying at my house I was helping him and come to fund out he was robbing me blind he opened multiple credit cards Multiple bank account stole jewelry family keep sakes u name it its been stolen including my driver 's license n social security card. I gotva new phone and previously gave him my old phone I had my emails n other personal things on my phone I didn't erase I didn't think anything of it but he an old number that was mine n my email to be able to continue acting like me to get credit n money he charged the cards up then made multiple payments with other peoples banking information so he would XXXX XXXX  the pay with someone's bank account charge and repeate he order from stores to my home n food u name it he got it. I don't think it's fair I b stuck with this stuff right. Aspire are some of the rudest coldest discriminatory bunch of robbers out the not one other creditors company gave me an issue they were very sympathetic very helpful and handled my problem with n grace then I get to my final one that I just discovered on credit sesame today n they gave me the run around with a nasty attitude. I just want this nightmare over so I can heal n move on but the they won't let me this gas been so stressful I've talked to so many people over the past XXXX days so many credit score companies fraud alert her n there my throat issues from talking please help me close this chapter I've been trough enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this CFPB complaint to request to you to please correct my Credit File from erroneous reporting of accounts and information. When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. Below is the list of the disputed accounts. XXXX XXXX XXXXXXXX Balance : {$64000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Subject : Dispute Regarding Civil Liability Under 15 U.S.C . 1681o for Negligent Noncompliance** Dear XXXX XXXX XXXX, I hope this letter finds you well. I am writing to formally dispute the civil liability imposed under 15 U.S.C. 1681o, specifically regarding allegations of negligent noncompliance with the provisions of the **Fair Credit Reporting Act ( FCRA ) **. 

It has come to my attention that your company has failed to adhere to the FCRA 's requirement to ensure the accuracy and completeness of my credit report. I believe that this failure constitutes negligent noncompliance under the law, as your organization did not take the necessary steps to ensure that the credit information maintained and provided was accurate, complete, and up-to-date. As a result, I have suffered harm, and I am requesting the removal or correction of any inaccurate or incomplete information reported. 

According to FCRA Section 1681o, liability can arise when a company fails to comply with any requirement imposed by the Act due to negligence. I respectfully assert that, upon review, your actionsor lack thereofindicate a clear instance of negligent noncompliance with the FCRA, as you did not take the required steps to ensure accuracy and proper handling of my credit file. 

To resolve this issue, I am requesting the following : XXXX. A thorough investigation into the disputed information and correction of any inaccuracies or omissions. 
XXXX. A written explanation of the steps your company will take to ensure full compliance with the FCRA moving forward. 
XXXX. A resolution of this dispute that removes any potential civil liability on my part. 

I am providing this letter as part of my efforts to resolve this matter amicably, and I respectfully request that you address this dispute in a timely manner. Please respond within 30 days from the date of this letter, as required by the FCRA. 

Should you fail to resolve this issue, I will not hesitate to seek the appropriate legal recourse, including reporting the matter to the Federal Trade Commission ( FTC ) and other relevant authorities. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I have a lease with Nissan. It ends XX/XX/XXXX. I have it automatically taken out every month and have for as long as I having been leasing. 
XXXX XXXX XXXX they stopped taking it out. 
When I called Nissan they said that I no longer had an account. I called several times nothing!!!! 
I finally called my Nissan dealer and she told me that my car had been grounded. Apparently someone paid this car off by mistake.I live in Massachusetts and this happened at XXXX of NY. Have not been there. We are now going into XXXX. How can this possibly go on for this long? My concern is going to be late fees and in XXXX my XXXX will be due. Can Nissan please fix this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of XXXX I received several notifications showing that my consumer credit score was decreased. It is XX/XX/2021 I havent received any letters in the mail as of why the accounts were re inserted on to my consumer report. I called and asked to give me evident information on the investigation and who was contacted, what day, Ive also asked for the original application of these accounts with my signature. I did not receive any documents, notes, or verification on who opened these accounts. I have sent in certified receipts and I didnt receive any response for disputes and this previous dispute I sent in a police report, FTC XXXX and after 100 days of sending the documents since XX/XX/2021 and it is now theyre trying to dispute it. Its been longer than 90 days that is passed what the federal law says. An agent mentioned that there is no law that is over their policies at the credit bureaus and I was hung up on several times and I had to call back. I called in and I was told that these are my accounts, I asked how. You can not falsely accuse someone of anything, I feel that is a crime of placing that onto me and defaming my character. This has harmed and dismantle my life, and is causing distress and homelessness, I have lost my job, it is the cause of inaccuracy and ignoring my voice and me as a human being. The accounts of XXXX XXXX was removed a year ago. I sent in viable evidence to show that the accounts was identity theft. My personal information was leaked through several breaches, XXXX XXXX and several other breaches. With that being said the federal law states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This is the federal law not a policy, mandate, it is a law that should abided not ignored. There for it becomes a major problem when I am treated unfairly of my rights under these federal laws that protects me as a consumer. 
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

My Complaint has been on-going and not resolved with the Mortgage, first with XXXX XXXX, and then XXXX sold the home, and now SPS Inc, is the Servicing the Mortgage. 
The latest information/nonsense sent to me from SPS Inc., involves a letter from them to me dated : XX/XX/XXXX. I had asked SPS Inc., to provide me with the Appraisal done by XXXX XXXX in XX/XX/XXXX. SPS Inc., had another Appraisal done on XX/XX/XXXX, using homes in the same area in very poor condition, in order to bring down the price of the Appraisal, from what had been previously done in XX/XX/XXXX. 

SPS Inc., is aware that the remaining Loan Balance is is lower than the Appraised Value of the XX/XX/XXXX Appraisal, therefore SPS Inc., will owe me the difference, and they are attempting to low ball me, in order to avoid, paying me the balance.
Product: Checking or savings account

I opened a 11 month CD at 5.25 % APY with Citi in XX/XX/year>. All transactions to open were done online with my XXXX XXXX account as a funds source. When the XXXX matured and the 7 day grace period to renew or withdraw came, the web and mobile site only had an option to renew at a lower rate 3.5 % for 11 months. This lower rate was not acceptable to me. I called and the agent stated that I can not get funds transferred to an external account over the phone. He suggested calling the XXXX XXXX  phone number to open an account and have funds transferred to that account or visit a branch location on Monday. I can not visit the branch on a weekday as I work during bank hours 1 hour away from the closest branch. I renewed for 5 months at 4.5 % to buy more time until I can make time to go to the branch on a day off work.If I had known that withdrawing would be much harder than depositing, I would not have opened this account.
Product: Credit card or prepaid card

Hi, I noticed today XX/XX/2023 that I received a credit card from XXXX XXXX on the mail but I did not apply for the credit card. I called the credit company and the card was applied for in Georgia, I live in Florida, and the card was applied for at a XXXX ' store and used for a purchase of {$290.00}. I was advised to freeze my credit on XXXX and while doing that I saw on my credit report that another credit card was open with XXXX XXXX XXXX  and a purchase of {$5900.00} was made on XX/XX/XXXX. I filled a police report but I am worried that other accounts will be open under my name because whoever applied for the first 2 credit cards have all my information, including social security number.
Product: Credit card

Received statement from Barclays for a Jet Blue Miles Plus Credit Card with a $ XXXX past due balance. I have never applied for a credit card with Barclays, I have never banked at Barclays. I have never flown with Jet Blue. I submitted a dispute and the credit card company did not believe that it was fraudulent and claims I am still responsbile for the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several fraudulent inquiries on my Equifax credit report. I have submitted multiple disputes online, over the phone, and by mail. I have sent the FTC Identity Theft Affidavit 3 times by certified mail and sent it 3 times by electronic means. Have called and spoke to numerous supervisors at Equifax for hours on end, all to be told that these can't be removed from my credit report. 

Their dispute website clearly has an area to dispute fraudulent inquiries, but they will refuse to do so. This is misleading to consumers. They have almost impossible verification procedures when calling to speak to someone, but they sure didn't have that problem when someone got my information and is using it to try to open new accounts. In my opinion, they need to be closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last two years all credit bureaus has listed XXXX XXXX XXXX on my credit report as me being the owner of a bill of XXXX XXXX I have sent the numerous debt letters, asking them to prove that debt belongs to me they have failed to do so or declined and not done so they continue to leave it on my credit. Ive let them know Ive been a victim of identity theft, as well as Experian and XXXX stating on my reports that they found my information on the dark web. Ive also show them that Ive had two bridges from Experian and XXXX and one from XXXX and they still continue to keep this on my credit I want it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone used my info to get medical treatment at the er and i apply for something else idk what it is.
Product: Checking or savings account

I am being charged fees everytime I receive unemployment without my account ever being negative. On two occasions the overdraft fees have place me in a negative balance. Regions is placing the withdrawals prior to deposits and never showing that you are negative or pending negative. Something is going on here, please investigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX &, XXXX XXXX Company Inquiries : 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 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 reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXXD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX -US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX NEGATIVE ACCOUNTS : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX* 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 an account without my written instructions.
Product: Debt collection

To whom it may concern at one point I owed money to Original Creditor Name XXXX XXXX XXXX XXXX XXXX than it got turned over to Amerifinancial Solutions which has called up non stop after I have told non stop to stop calling me with harassing phone calls ... 

I paid off the original company in cash which was a hospital. I no longer owe said debt. Back in XXXX  I explained all this to someone at customer service and they said all of this would be taken care of and off my credit report files. As it is not accurate. Maybe someone did not put it in the computer that I paid. I do not know. I just hope this can all be cleared up.
Product: Credit card or prepaid card

I received a credit card offer from CapitalOne for the XXXX card. While there was no reference to " prescreen '' or " prequalification '' the mailing states that the " card is for people with excellent credit '' and provides a website " XXXX '' where I can apply with a seemingly indiviualized reservation number and access code. There was no opt-out notice included in the mailing. Additionally, when I called the number, I pressed the option to opt-out of future communication and the line died after several seconds.
Product: Credit card or prepaid card

on XX/XX/2021 i got a letter in the mail at my residence instead of going thorough my proper safe at home address. so im reporting discover to wi doj for that already. secondly some attempted to contact discovers and fraudulently steal my identity and open a credit card in my name now due to the facet i had a credit freeze and fraud alert in place. it was denied and discover notified me by letter. but i want the to no i never applied for a credit card to begin with. who ever tried to applied was not me.
Product: Debt collection

I just got this new phone number last week when I upgraded to the new XXXX. Whoever had the number before either owes truist money or something but they call SEVERAL times a day and have been told twice to not contact me again and are still doing so. I have screenshots of all voicemails, missed calls, and placed calls to ask them to stop. I will take legal action against the sorry excuse for a company if they dont stop.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I attempted a money transfer to XXXX, XXXX. via Money Gram Online Services through their app. 
I initially sent {$100.00} which was available immediately to her account, I then attempted to transfer {$2000.00} and was notified that the transaction was successful, however when the recipient tried to access said funds it was not debited to her account. 
on the next business day, Monday XXXX XX/XX/2020, said recipient went into her local bank and was told that the funds were not deposited to her account by MoneyGram, I  then cancelled the transaction and contacted MoneyGram and was told that they were aware of the situation and was subsequently given case # XXXX by agent XXXX, I was told by him that only first names were given to consumers. 
On XX/XX/2020 after checking my account on numerous occasions I called MoneyGram 's customer service enquiring about the refund, I was then told by the responding agent that it takes at least 90 days for such refunds to be made, I find this a bit hard to accept hence my complaint here seeking some assistance in said matter.
Product: Checking or savings account

XX/XX/year> Noticed an unauthorized charge for XXXX $ on my debit card from a web site called remitly which apparently deals with money transfers/money orders. I also noticed that my email address was compromised and my email along with my IP ( my information was stolen ) was used to make this transaction. It was a money order sent to XXXX XXXX XXXX  in the hours that I was sleeping. 
Filed a fraud claim with Wells Fargo and the money was credited back instantly, Wells Fargo also cancelled the debit card by my request and sent a new one in the mail. 
XX/XX/XXXX Noticed my provisional credit was reversed and Wells Fargo took back the XXXX XXXX I called and they falsely accused me of being the one that authorized the charge because XXXX supposedly provided documentation with my info saying it was me who authorized the transaction. I said upfront in XXXX that my email was hacked and this person who stole my money had personal info that was used to make the transaction. Wells Fargo claims there is nothing they can do. I have been a customer of them for 15 years and have never made a money order or transfer to anywhere outside of the country. The ease in which someone was able to steal my money and send it overseas is alarming and presents a significant security threat for me as a long time customer. How can I trust the bank to protect my money when they have proved that they don't care by saying quote " We're sorry this is not the result you wanted ''.
Product: Debt collection

XX/XX/year>. Written letter to request the bill of sale showing the amount paid for the debt.
Product: Credit reporting or other personal consumer reports

An unauthorized inquiry appeared on my credit report today, and I have no idea where it came from. I routinely check my credit report, and seeing this discrepancy has been both frustrating and stressful. I even refreshed my browser multiple times, hoping it was just an error, but it wasnt. I need this issue resolved immediately, and I expect my submitted documents to be thoroughly reviewed so I never have to deal with this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX {$470.00} XXXX {$0.00} XXXX XXXX {$470.00} XXXX XXXX {$57.00XXXX XXXX XXXX {$3900.00} XXXX  XXXX {$1300.00}