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

On XXXX, I submitted a complaint to cfpb under Claim # XXXX Closed. 
I was advised by XXXX at USAA Savings Bank that they could not find the signature card for my XXXX XXXX Account only the one for my checking account. USAA 's Bank XXXX XXXX staff thoroughly reviewed the details and they froze my XXXX Account since they said the account was not a joint account with my deceased wife. They had me send an affidavit of ownership but rejected it and said that I had to sign theirs. I could not sign it as I could be guilty of XXXX. I had an attorney contact them and they would not respond to him and kept calling me. I took out a loan to reimburse for funeral expenses. In XXXX, I went to the Credit Union to update my checking account and to open a savings account. I signed the signature card and my daughter did also for joint tenants. I asked for a second card for the savings account and they said that there was only one card for all accounts. I asked how long that had been in force and I was advised always in Florida. I've never banked in any other State. I received a call from USAA a few days later and was advised they would check it. I started transferring funds on XXXX. I received a call a few days later advising my account was available. No letter and no offer to compensate me.
Product: Credit reporting or other personal consumer reports

I am writing to urgently request the removal of my bankruptcy record from your database. Despite the bankruptcy court and clerk 's office not providing information to credit reporting agencies, I have found that my bankruptcy record is still being reported through your services. 
I have attached proof from the deputy clerk stating that they do not provide information to credit reporting agencies. It is crucial to note that bankruptcy records are public information, accessible to anyone. However, the dissemination of this information to credit reporting agencies is erroneous and damaging to my financial standing. 
I implore you to take immediate action to rectify this situation and remove my bankruptcy record from your database. Your coperation in this matter is not only crucial but also greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report for a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$4400.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my credit and paperwork and notice this account with first progress still reporting on my credit report, the company never followed up with me on this account.First and foremost I have no knowledge of this account and even previously requested for agency to validate debt.Ive attached my return receipt as proof that Ive attempted to resolve this in the post. I have no knowledge of this account.Im on hard times and my income has been affected by covid. So even attempting to send another dispute is to expensive for me please assist me with resolving this matter
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent in my letters to XXXX, XXXX, and Experian asking them to remove the unauthorized inquiries and the 2 accounts that didn't belong to me. They responded with letters saying the accounts were verified. I sent them letters XX/XX/year> and have not heard anything back. I was advised by XXXX when I called in to file a FTC report as well as a police report. I did file a police report. Attached are the letters about the inquiries and I will include the 2 accounts in this paragraph. XXXX XXXX XXXX XXXX account number XXXX was unauthorized as well as XXXX account number XXXX only XXXX are reporting that account.
Product: Money transfers

I performed a cash transfer on XX/XX/XXXX from my account at XXXX Bank XXXX to my savings account Capital One. The funds were moved immediately electronically to Capital One, but they put on XXXX week hold on the funds until XX/XX/XXXX. Although Capital One has the funds they will not release them to me. The amount of the transfer is XXXX {$4000.00}. Capital One says it takes longer to transfer the funds to a business saving account and that is the reason for the 7 day hold.
Product: Student loan

I paid my student loans off completely and have proof of a XXXX balance and proof of payment. Nelnet is continuing to charge me money. I have tried using their Chatbot to no avail. I have sat on hold for over 2 hours on multiple days. I've also emailed the company. No response from them and I whole heartedly believe they will not respond. I've kept receipts and proof of everything if needed.
Product: Credit reporting or other personal consumer reports

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : 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: Vehicle loan or lease

I reached out to my XXXX  in which I utilized in order to obtain a loan for my XXXX  XXXX XXXX XXXX door utility. I utilized my gap insurance and the amount has been paid off in total which equals to {$23000.00}. I called my XXXX  on Monday XX/XX/2022 and wanted to accelerate the process in which they report the full payment to the credit agency. They said they can take up to an entire 30 days but from I was informed the Consumer Financial Protection Bureau can help me resolve my matter in 15 days. I am trying to purchase a new vehicle and would be very grateful if this matter gets resolved in order to have the appropriate score to qualify for a good rate. Thank you and I'll look forward to hearing from you.
Product: Credit card or prepaid card

After waiting for almost three months now from my first complaint on XX/XX/2019, the membership reward points transfer to airline still does not work for my American Express account, as I tried today, XX/XX/2019. 

I did apply for a new Platinum XXXX XXXX card on XX/XX/2019, but that was a month and a half ago from now. American Express claimed that this was the reason that caused a delay on my Membership Rewards review in their response to my second complaint on XX/XX/2019. But I have paid all the spending in full, fulfilled the spending requirement for the card opening bonus, and also paid the annual fee in full. 

I do not understand why this is taking so long, and what American Express is reviewing. I requested American Express to provide me with information that I can help them to understand my spending and the estimated review end date in my second review I submitted on XX/XX/2019, but they failed to provide me with such information I requested in their response. 

I have been a loyal American Express customer. But since their response without helpful information to my second complaint, I have switched to use other card providers more than American Express cards. As I mentioned in previous complaints, I have been planning for a vacation, and reward tickets go out of stock fast. If this frustration continues, I will reconsider if American Express cards suit my credit card needs.
Product: Credit reporting

I understand that the credit bureaus are reporting that a federal tax lien is being reported. This lien should never have been filed in the first place. As you can see the lien was filed and that taxes were paid on exactly the same date date of XXXX/XXXX/2010. This item should be removed. The IRS has indicated that the lien has been paid and released. In the interest of all parties this should be removed
Product: Mortgage

XXXX XXXX XXXX COLLABORATED WITH XXXX XXXX XXXX and it principal lending officer XXXX XXXX to STEAL almost XXXX after i signed closing documents. After I signed the closing docs to recivece XXXX XXXX XXXX callED the title company XXXX XXXX  XXXX PA TO STOP THE WIRE!!! WIRE FRAUD AT ITS BEST!!! SO THEY LATER SENT A DOCUSIGN SAYING IF I WANTED ANY MONEY I NEED TO SIGN.. 

PLESE DONT LET THEM GET AWAYY WITH THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XXXX  # XXXX, is furnishing inaccurate and incorrect information to the consumer reporting agencies. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

As defined by the IRS Publication 4681 ; Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

Furthermore, the consumer reporting agencies did not use reasonable procedures to assure maximum possible accuracy of my consumer report as it relates to the above-proven inaccuracies. Which is a direct violation of the Fair Credit Reporting Act. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Debt collection

I went to XXXX university XXXX XXXX. They stated that I still owed them money in XXXX in the amount of {$10000.00} which I have no clue where this number came from because XXXX will not let you register for classes if you still owe money from a previous semester. I was making monthly payments to them in the amount of {$150.00} a month for 4 years straight which came to a little over {$7000.00}. When I called them to ask my account balance they told me that I still owed {$7600.00}. when I asked them how could this be they stated that out of the {$150.00} I was sending them a month only {$50.00} was going towards the actual bill and that {$100.00} was going towards late charges every month, which I was not made aware of this due to the fact that the payments would be late for the life time of the debt. I explained to them that this was ridiculous and I never even owed that large amount I only made payments because they kept threating to have me sued and would try to mess up my credit. I explained to them I had only owed a little over {$3200.00}. However XXXX had a collection company come after me when I refuse to pay anymore money to them. The law offices of XXXX XXXX XXXX XXXX Regency Plaza XXXX XXXX, Pennsylvania XXXX, these people claim to have the Debt from XXXX, I have been making payments of {$50.00} per month for over 3 years now and they keep harassing me by calling threating to sue me in court, telling me they will destroy my life by messing up my credit. everytime they send me a bill its for a different amount IM SICK AND TIRED OF BEING HARRASED!!! I explained to them that the debt that they have in incorrect, when ask for them to check with XXXX for the original amount they are telling me that XXXX does n't have the information any longer. they sent me a bill on XXXX XXXX XXXX saying I owe {$8900.00} I called and told them this was incorrect! then I got another bill on XXXX XXXX, XXXX saying I owe them {$9900.00} and this year they sent a letter saying that now interest will accrue at the rate of 6 % annum in accordance with state law. these people are rip offs I did n't have all the proof of all my payments I have moved and switched banks a few times most payments where through my bank accounts sometimes it was sent through a money order but all the ones sent to the law office for collections was through XXXX of my bank accounts. I had missed a few payments when I found out I had XXXX I was n't working had no income they continued to harass me saying they would sue me in court. I do n't owe this money and I 'm tired of paying them every month just for them to leave me XXXX XXXX should have to go through this, this is not right and I currently have no job after being out sick with XXXX and losing my job. I called XXXX they do n't have a record of the exact amount or the exact amount of payments I made. this has been almost 7 years going through this
Product: Credit reporting, credit repair services, or other personal consumer reports

The following are a list of other inaccurate andor fraudelent inquires on my consumer credit files thal I would request remove from said files 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters to the bureau asking them to please send verification of debt that is placed on my report. To date the item still remains with no verifiable proof. Here is the item : ONLINE INFORMATION SERVICE # XXXX. Also US Dept Of Education # XXXX.
Product: Mortgage

In XX/XX/XXXX, Bayview Loan Servicing became the new company that took over my loan from XXXX XXXX XXXX who took over my loan from XXXX XXXX XXXX. After years of trying to get a loan modification from XXXX. 

Bayview started a loan modification for me in XX/XX/XXXX. After losing " sent '' files and other mishaps by the Bayview that prolonged the modification process for months. 

In XX/XX/XXXX and XX/XX/XXXX I received two " drive-by '' appraisals on my property which were totally incorrect. I had in XX/XX/XXXX, gotten an appraisal on my property. 

After getting turned down for a loan modification for a mistakes, like not recording documents that were sent to representative to name a few things that Bayview had made. I appealed the decision of denying me a loan modification. 

As I wait for the appeal to be completed, to my surprise I receive a " posted notice of foreclosure date '' on my property stating that a foreclosure sale is scheduled for XX/XX/XXXX. I have never received a disposition on my appeal but Bayview has hired XXXX XXXX to sale my property. 

This seems like Dual Tracking which is unlawful for a loan service to do as an appeal is still pending. I have not received anything regarding my appeal but a foreclosure sale is scheduled for XX/XX/XXXX
Product: Credit card

XX/XX/XXXX i call to get my balance will taking to XXXX of their employees she mentioned that quality for increase but thought the XXXX of XXXX was my date for increase so I applied got denied I would have asked for this increase if I thought they going to denied me it looks bad on your credit reports so basically they didn't up hold my increase
Product: Credit card or prepaid card

I, the consumer and natural person, was denied credit by Discover when I applied for a Discover It Cash Back Credit Card. Adverse action against a consumer is AGAINST THE LAW according to the equal credit opportunity act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Discover due to the response I received. Discover is in violation of 15 U.S code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit, this is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Discover.

If Discover fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card, I will indeed make Discover criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o. I will also follow up with an invoice for said violations. 

Thank you, XXXX : XXXX Without prejudice, all-natural inalienable rights reserved
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX and an Sales contract loan account opened at XXXX on XX/XX/XXXX. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, are the result of identity theft and fraud.
Product: Debt collection

First phone call was approx XX/XX/XXXX. Received letter dated XX/XX/XXXX from Lien Enforcement Inc. Received additional threatening phone calls XX/XX/XXXX and XX/XX/XXXX I am being harassed and threatened by Lien Enforcement Inc. They are threatening to take legal action and garnish my wages if i don't pay. I have advised multiple times that this is not my debt and to stop. Additionally I sent a letter stating that the debt is not mine with documentation showing that the vehicle was sold in XXXX and to stop contacting me. They continue to try and collect {$5500.00} for tow services from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I have contacted XXXX XXXX XXXX XXXX and provided documentation that the vehicle is not owned by me. XXXX XXXX XXXX XXXX  is doing nothing to help only stating that I'm the last registered owner from XXXX. XXXX XXXX continues to harass with threating legal action and negative credit report if I don't pay. They hang up on me, refusing to accept that I don't own the vehicle.
Product: Mortgage

On XX/XX/XXXX I spoke with XXXX XXXX XXXX regarding another short sale offer that was submitted for XXXX after the initial offer of XXXX was denied. I was advised that the offer may be denied due to the investor XXXX XXXX XXXX discretion. I was advised that on XXXX XXXX the XXXXSPS performed a XXXX  that was at XXXX with renovations at XXXX which is over the value of the appraisal of XXXX that was completed on XX/XX/XXXX .My payoff on this home is XXXX according to SPS as of XX/XX/XXXX. I was advised that the XXXX  was evaluated by driving by and no one entered the home to do the proper appraisal evaluation. I have made several attempts to work with SPS regarding this and feel pressured into keeping a home that is falling apart around me. I am XXXX yrs of age and have limited resources and can not do any of the work myself. As a XXXX  XXXX  and veteran, I feel as if they are forcing my hand to remain in a dwelling that is not safe.
Product: Mortgage

Chase mortgage is not waiving PMI when my loan is coming down to 80 %. No they say I need to pay {$400.00} for appraisal and then the loan value should be 70 %.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be deleted and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance : {$650.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX  XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX Original creditor : IXXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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  Inquiry XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX.