23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Yes- my Auto Loan Payment with USAA Federal Savings Bank is supposed to be taken out of my checking account on the XXXX of every month. Until today this was about the only thing with USAA that was working correctly. Additionally I added my mother 's name to my accounts, and service representative I spoke about with my auto loan could not yet again tell me how to do this simple action. I sent them a letter signed by my mother on XXXX XXXX XXXX and no action, or even acknowledgement of receipt occurred. Also they simply did not call my mother if, as agent today stated, they had verification issues. Finally, I spoke about a week ago with the XXXX XXXX XXXX about getting my mother off my accounts, and the gentlemen I spoke with could not even keep up, as had to repeat myself several times, nor tell me how to do this, and was supposed to get back with mee but never did. USAA was open today, but the XXXX XXXX XXXX was off for labor day weekend. Finally, my home mortgage payment was supposed to be taken out yesterday on XXXX XXXX XXXX, but was not- when will it be taken out now XXXX XXXX XXXX? 4-days late? How is one supposed to manage finances with this type of service? Finally, USAA supposed to be a XXXX Bank XXXX service member worldwide in all time zones and not even open XXXX XXXX a week- so how do XXXX service members, especially in XXXX communicate now? Finally today they could not get the XXXX time text code to come through to me after 3-tries!!!! Is all this acceptable????
Product: Credit reporting or other personal consumer reports

Companies have failed to protect my personal private information as the consumer, see attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Open Account Loan Type XXXX XXXX Date Updated XX/XX/XXXX High Balance {$100.00} Original Creditor XXXX XXXX  Past Due {$100.00} Pay Status XXXX  This just showed on credit report XXXX. Have not had att acount for 7 years, and do not have an active account or past due amount. This past due amount and account status is not correct, and requesting to be removed.
Product: Debt collection

LATE PAYMENT LETTER Date XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Credit Bureau : XXXX Credit Bureau Address : XXXX XXXX XXXX, XXXX, GA XXXX Dear, XXXX I got a copy of my credit report and I have found the following items listed below to be in incorrect. As I do know my consumer report and will take legal action if not fixed within 30 days Pursuant to 15 USC 1666b 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.

I NEVER gave You, Credit Reporting Agency OR ( { creditor_name } ) any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b. Credit Reporting Agency has caused severe stress and XXXX  due to the abusive and unfair practices. 
You, CREDIT REPORTING AGENCY, should be ashamed of yourself for ASSUMING this role and position to constantly commit fraud and cause harm to consumers! 
These accounts are listed with late or missed payments and that is incorrect. The following accounts were NEVER late and should be listed as PAYS or PAID AS AGREED. 


ACCOUNT NAME : XXXX XXXX  ACCOUNT ADDRESS : XXXX XXXX XXXX, WI XXXX I know you can not report any late payments on my consumer report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report and I demand that you provide me with concrete evidence and all documentation proving that I am or have been late. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report reflecting the requested changes. 
Best Regards, Your Name XXXX XXXX
Product: Checking or savings account

I and my children were supposed to get temporary credits based on dispute claims XXXX, XXXX, XXXX and XXXX from Bank of America. Most banks and Bank of America issued temporary credits for clients within XXXX business day. Dispute department has delayed for a long time. So when my bank account balance went down, and Bank of America charged overdraft fees XXXX times, total XXXX dollars Bank of America should return back all my moneys because low balance is not my fault. It is their fault for delaying to give us temporary credits. News medias and I will bring this case to XXXX XXXX office representing us. 
Evidences are attached ( including XXXX letter ) XXXX
Product: Credit card

Received an email XX/XX/year> that a fee of {$1.00} to receive a paper statement beginning in XXXX, XXXX  I do not recall receiving a change of terms notice that this fee would be assessed. I verified on my XX/XX/year> statement, dated XX/XX/year> that there was no change of terms notice. Attempted to interact with Live Agent on chat on XX/XX/year>. No copy of notice was offered. There were no options to continue to receive paper statements at no fee. Decided to close account rather than incur monthly fee for paper statement. Reg Z, 1026.7, requires that a creditor provide a statement. There is no options for charging an account holder a fee to receive that statement. Also, 1026.5 ( b ) ( 2 ) ( i ) requires that a statement be mailed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am filing a compliant against DIVERSIFIED CONSULTANTS INC # XXXX with the CFPB, I am compelled to demand that you provide communication exclusively through printed letter on the status of ownership and how was the account assigned to your office. However, in my records I am STILL unable to locate documentation that DIVERSIFIED CONSULTANTS INC ARE IN COMPLIANCE WITH XXXX LAW 1319.12 Taking assignment of debts. I still do not have any records of OWNERSHIP from the unknown Third Party collections agency ( Credit Corp Solutions Inc ) Please contact me about this debt in writing, to me at home. If this reasonable request can not be met, this may indicate DIVERSIFIED CONSULTANTS INC. disregard for consumer protection statutes. The correspondence has no reference to the transfer of title of ownership ( Bill of receipt, lien, UCC-1, UCC-3 ) I request that you send me the proper proof that what you are reporting is true, or if you can not, to immediately remove it from my credit report. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for improper reporting of information to the credit bureaus regarding my credit history, actual defamation damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. You have severely limited my ability to close on my home purchase.In addition, court case opinion XXXX. XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. I look forward to an uneventful resolution of this matter. I have attached a CREDITOR DISCLOSURE STATEMENT if you could file this out and return it
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the company to remove the old account off my report I have a new agreement and XXXX tthisold agreement off of my report so I can apply for things I need
Product: Checking or savings account

On XX/XX/2023 around XXXX I went to login to my Chime bank account app to check my balances, but I was unable to login, it said my phone number and password had been changed. So I had to request a temporary link sent to my email to login. I logged in and I changed the phone number back to my phone number and I changed the password. In order to change these I had to verify my identity by sending a picture of front and back of my license and take a selfie picture and send it. After I completed all of that I went into the account and saw 5 unusual transactions that I did not make. XXXX ) XXXX, XXXX, XXXX posted XX/XX/XXXX at XXXX for {$12.00}. XXXX ) XXXX, XXXX, XXXX at XXXX also for {$12.00}. XXXX ) XXXX XXXX  posted at XXXX for {$8.00}. XXXX ) XXXX posted at XXXX for {$490.00}. XXXX ) XXXX posted at XXXX for {$990.00}. I immediately called Chime Bank and told them that my account had been hacked and there were 5 unauthorized charges made from my account. They looked it up and said that the charges were still in pending status and that they can not file a dispute until the charges settle, and once charges settle then I can file a dispute and it will take up to 90 days for them to investigate. I said if they're pending why cant you just cancel them? They said they have to wait for them to settle to do anything. They said if I wanted to speed up the process I could try to contact the merchant. I contacted the merchant and they said they would cancel the charges just have my bank contact them. I called Chime again told them the merchant said to call them and they will cancel charges. Chime refused to call the merchant. Couple days went by and 3 of the charges settled so they started the dispute investigation on those 3 charges. I sent them screenshots showing my password and phone number had been changed on my account and an email from merchant saying to have bank call them to cancel charges. The bank then denied my disputes for those 3 charges saying no error occurred. The other 2 charges ended up expiring and never settled so money went back into my account. I called chime again told them I wanted them to send me the documents they used to determine no error occurred and I asked them why would those 2 charges that went back into my account why would they never have been pushed through and settled? They said XXXX merchant must have seen something wasnt right so never pushed them through. I said why is it that merchant could see something wasn't right and not push the charges through to settle but you guys somehow can't see that something is not right?? I also sent them screenshots from my XXXX account that's connected to my bank which shows numerous attempts to login to my account with wrong password entered and these attempts were from XXXX, XXXX, XXXX, and several attempts from different states in the XXXX.
Product: Credit reporting or other personal consumer reports

On last today I lived in the building XXXX XXXX XXXX XXXX but I had a security breach of information in writing that I may still have however it was involving the beacon initially going to faculties outside of the organization and individuals already listed and other facilities obtained information that added to this. The actual breech letter I received was more recent than then in the last few years so it is likely minimally be flagged because information collected went to faculties and added to it. Yes I am presently having info or denied healthcare even if they say they do not deny anyone. How? Not accepting patients at this time. Please note I updated the phone number so I also found two numbers that belong to a separate facility. Should be noted that facility was one present during actual breech. I updated the number with equifax from the number here. So please note that I have a different number that I gave them to update to however for ftc I am unable to get incoming calls likely due to this reason and phone number listed here would be used but it took me 2 months to reactivate the phone number because social Worker XXXX would not help any which way. So equifax if agent took alt number keep that one for now as it is but I do have access to voicemail if FTC or others call. Thank you otherwise I do not give out any longer the phone number except in person or phone or writing. I will not online. So either way what was updated is for a reason with confirmation # XXXX Otherwise bank at present said that theyalready have my personal information so purchasing a monitoring would not be advised either way but Illuded to no.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have resorted to submitting this complaint because the bureaus have been ignoring my disputes and I have not known the status of them. So the bureaus have 30 days to respond and I have been submitting disputes since XX/XX/XXXX without any response from the bureaus. I hope you can help me resolve this situation with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed Balance updated : XX/XX/XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Payment status : Credit card lost or stolen Account status : Closed Balance updated : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX Account status : Closed XXXX XXXX XXXX XXXX Account number : XXXX Account status : Closed Once again I am disputing this account. I have called the company and they told me I have to contact XXXX. I have written to XXXX I have called XXXX I have even disputed on this site as well for this. The addresses that this account are attached too are not mine. Please remove items! 

This information is incorrect and is still reporting and showing. I spoke with XXXX with the fraud department on XXXX.He mentioned there is no fraud alert and it is fully open. 

I have submitting a dispute via phone and I am waiting on my results. Please assist.
Product: Credit card or prepaid card

I applied and received a fixed rate visa credit card from Bank of America ( BOA ) XX/XX/XXXX. From XX/XX/XXXX through XX/XX/XXXX ( 12 yrs ) the interest stayed at the fixed rate and never changed. XX/XX/XXXX the interest rate went up 1/2 percent on the full amount owed at than time - XX/XX/XXXX another 1/2 % hike - July again raised 1/2 % and again in XX/XX/XXXX, so you can see the pattern. This rate hike is still continuing.

Keep in mine I was never given notice of the rate hikes and the raised rate was always and still is on the full amount owed on my card.

I been calling BOA in various department asking what justification they have to do this action. The last answer I received ( while sitting in XXXX XXXX, a BOA branch employee office, that the federal government passed a law, XX/XX/XXXX, giving the credit card companies the right to raise fixed rate accounts. Not true - I call the Library of Congress to verify and no such law was passed.

The XXXX  Credit Card Accountability, Responsibility and Disclosure Act mandated that agreements worded with " fixed rate '' be fixed - also requires a 45 day notice to card of rate increase with the increase only applied to charges after the notice date.

There are 3 loop holes to this Act 1. Late payment, 2. Over Limit 3. Intro offer.

I have never been late or over my limit ( have records to prove ) and the original app ( have original ) did not state an Intro offer for 12 years. According to my research into the XXXX CC Act, BOA has violated numerous credit laws, no notice - not adhering to fixed rate - rate increase on full amount - not to mention the numerous lies and misleading information I have received from the company reps, the above example ( XX/XX/XXXX Law change ) comes with a witness, XXXX XXXX was informed of the same information from BOA Card Services.

I have contacted BOA via phone many times asking for answers with no result. I have kept records of the date called, name of rep and excuse given ( too many pages of records ).

I am asking CFPB for assistance in resolving the issue - I would like my interest rate to resume to original agreement with credit to my account on amounts over charged or a valid reason with documentation from BOA to justify raising my rate on the full amount owed with no notice.

Thank You, XXXX XXXX XXXX Contact info - XXXX XXXX
Product: Mortgage

Please accept this as a Qualified Written Request for a copy of ; ... '' the note from SunTrust Mortgage to SunTrust Bank executed by SunTrust Mortgage officer XXXX XXXX. This specific note is referenced in the XX/XX/XXXX assignment and under section XXIX ( page 7 & 8 ) of Judge XXXX XXXX order signed on the XXXX day of XX/XX/XXXX. 

Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately on all three of the credit bureau. My credit report states a late payment in XX/XX/2023 on my XXXX account that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint. I'm now requesting you investigate this account and update these payments to paid on time immediately. I need this inaccuracy removed immediately because I am currently apartment searching and planning to move, and it is impacting me and my credit score negatively. Thank you for your understanding and prompt action.
Product: Payday loan, title loan, or personal loan

The Company is XXXX XXXX  ( Comenity/XXXX  ) XXXX XXXX Tx XXXX I took out a loan in XXXX for dental work done. On XX/XX/XXXX, the balance was {$19000.00}. I received an email reminder of the same balance on XX/XX/20. I phoned the company customer service number XXXX XXXX XXXX to inquire how much do I owe to close this debt? The representative informed me that the amount on the statement if paid in full prior to the due date XXXX XX/XX/20 XXXX, I would not owe any additional money on this account. 
XX/XX/XXXX, I paid the balance of {$19000.00} in full. On XX/XX/XXXX I revisited their online statement for my account which showed " XXXX '' balance and no payment due. 

XX/XX/XXXX, I received an Online Credit Statement indicating I owe {$130.00}? 
The statement they sent out list Previous balance paid in full, other credits and purchases XXXX, other debts XXXX, fees charged XXXX followed by interest charge {$130.00}. 
When I asked how do I owe interest on a XXXX balance, they said you are paying the interest of the original amount and I had to pay it and I will receive penalties if I do not. 
This is unfair practice when a consumer pays off a debt, than this company decides to add an additional fee, that will never go away.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account does not belong to me, I have no knowledge of this account Account name and number : XXXX XXXX : # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.