23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Someone opened a capital one credit card account in my name back in XXXX  I have never tried to apply for a credit card ever because I know my credit score isnt good enough for an unsecured credit card and I dont apply for a secured one cause I cant afford the deposit amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX XXXX XXXX XXXX and they confirmed that they would be removing these incorrect late fees ( XX/XX/2017 - XX/XX/2017 ). They said for me to dispute the payments with the credit agencies and when the agencies contacted them, they would confirm they could be deleted. I have disputed with the late fees withe agencies, however the agencies reported them as valid. They are not completely investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following information either TransUnion or XXXX are reporting on my credit report is false and inaccurate. 

1. On XX/XX/XXXX all three Credit Reporting Agencies report that my Ally account XXXX was PAID, CLOSED, and OK. 

2. Suddenly, on XX/XX/XXXX either TransUnion or XXXX is showing the same XXXX account XXXX as DEROGATORY, PAYMENT PLAN, CHAPTER XXXX, WAGE EARNER PLAN. 

3. This absolutely false. I leased the vehicle from XX/XX/XXXX to XX/XX/XXXX. 

4. My Chapter XXXX Bankruptcy was filed on XX/XX/XXXX, so how can this account even mention Chapter XXXX Bankruptcy? 
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Product: Checking or savings account

It is my belief based on the conversation and the fact that USAA has canceled my account ending in XXXX and refused to do business with me because someone has done fraud on my account using my ID and other documents. It is my belief that the fraud event occurred between XXXX and XXXX. I have been going through XXXX  XXXX and homelessness and am currently in a safe place to address the situation of my life. The fraudster may have used an auto insurance policy and other documents. I have contacted the USAA fraud dept. several times over the month of XXXX. They have said that they would contact me but have not. They know malicious activity has happened on my account. Instead of informing me they have chosen to alienate me without explanation. I have been a member/shareholder of this company since early XXXX. 

I went through the online verification process and In XXXX of this year I spoke to a representative in the fraud dept. I was given a fraud dispute number ( XXXX ) and the representative said someone would be reaching out to me, however, I have not gotten a response as of this date. I called back and then I was told that USAA was exercising its right not to do business with me and that I should check my Credit report for suspicious activity. I can not get USAA on the phone to at least tell me what happened on my account thru them. I have submitted my ID and my phone number and tried to work this out, but they have become unresponsive to me. The fraud happened to me on my account, and I am being punished for something I did not do. Furthermore, I can not protect myself because I don't know what actually happened. 

USAA is only concerned with protecting itself from being liable and not helping me with the situation forcing me to deal with this on my own by blacklisting me. I have to sign declarations involving another person in order to get products and services from other companies which I believe is due to these events that occurred without my knowing. I have done nothing wrong and will take a lie detector test or fly in person to the executive branch of USAA with my identity documents. I would like justice. 

I also did not receive any money from my subscriber account as I am a shareholder of USAA and should have some say in how things go or get a phone call to explain what happen. I can not update my phone number, email, or address.
Product: Debt collection

The debt collection company purchased a previously charged off account from XXXX XXXX XXXX XXXX. The company LVNV Funding LLC XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from XXXX. I currently have an active credit card account with XXXX that is in good standings. I have never had a late payment or overcharge the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunionhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX  has me at a credit score over XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. XXXX XXXX. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX XXXX XXXX  daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Credit reporting or other personal consumer reports

I was looking for a loan to pay off credit card debt. I was very careful about only selecting websites that didn't pull a hard credit inquiry. ( I checked with about XXXX ) I received a call immediately from One main Financial, while I was still on their web page. The guy named XXXX went over some information and stated that he could help me but I had to email him my pay stubs and a copy of my driver 's license to complete the application. I asked if there was a hard inquiry and he stated " no, there is not a hard inquiry until you verify your identity and income. " I said I would have to think it through before I made a decision. Later on that evening I was alerted to a hard inquiry. Upon calling the company, another employee answered my call and said that XXXX was unavailable, he would call me Monday. That guy was nasty to me on the phone. Today, XX/XX/23 I received a call from XXXX. He was also nasty to me on the phone and said that " you should have read the fine print before filling out any information. " Of XXXX companies, they are the only XXXX who advertise no hard credit inquiry but went and did so anyway.
Product: Credit card

FCRA 605B seems to require the removal of any incorrect accounts from my credit report. Can you please review the documents? Some of the listed accounts inaccurately reflect the reporting, with incorrect amounts and dates.
Product: Credit card

I have been with Chase card services for over 7 years. Today I received a letter saying my card will be close do to inactivity. I called asking to have the cars remain open and was told there is nothing that can be done. A few months back I was inquiring about the fees that will apply and how to maintain steady line of credit with them. At that time I know I would n't be using the card for sometime. I was informed that I do n't have to do anything. When the annual fees show for me to call them and they can remove them. I also ask if I would be able to freeze my account. I was informed that as long as activities was done one the account within 5 years, I have to do nothing. 
I was also told about the chase slate card in which I received. Had I known the information was incorrect I would have used my freedom card. I would like to keep the card open. The customer service center also stated that this will show on my account as a closed account. 
My concerns is if it is unable to remain open and have to be closed. Will it show close do to inactive and not just as close with out explanation because that can put a bad impact on my credit. 

Please let me know if there is anything I can do. 

Thanks
Product: Checking or savings account

XXXX, XXXX an amount of {$60000.00} was taken from my account illegally by the XXXX  Of XXXX for a debt that had been paid for in XXXX to the XXXX of XXXX. SXXXX XXXX XXXX Returned the funds within XXXX. I discussed this numerous times with Wells Fargo XXXX and they advised me that since the funds were returned it would be flagged as a fraudulent XXXX and could not happen again. In XXXX of XXXX, The XXXX XXXX XXXX or an entity within the Government filed a bogus XXXX again, and this time took {$100000.00} from my account. It caused me great emotional stress and immediate destitute. Release of XXXX for XXXX Of XXXX reference to Account/Case Number for the bogus claim The State Of Texas, XXXX provided and Wells Fargo XXXX failed to protect my funds. I talked to XXXX XXXX and XXXX XXXX and they were rude and not compassionate to the situation at all.
Product: Mortgage

I contacted Truist Bank to inquire the information needed to wire funds to make a principle payment on our mortgage. I called the customer service number provided by Truist. I was told there was a maximum daily amount that Truist would accept for principle payments. That seems to be equivalent to a prepayment penalty in terms of wire transfer fees and additional interest accrued by not being to remit the amount I wanted to. The customer service representative assured me that was Truist 's policy and could not be waived. She was also not familiar at all with the information I needed and had to call me back to provide additional instructions. My bank had additional questions regarding those instructions that I was unable to get from Truist when I called again to get it, and speaking to a second customer service representative. The policy of essentially limiting prepayment contravenes our mortgage that clearly has no penalty for prepayment and feels very predatory on the part of Truist Bank. I question the quality of supervision and training that Truist is providing to their front line customer service personnel.
Product: Mortgage

Fay Servicing has acknowledged that the LTV on this loan is 73 %, but is refusing to remove PMI from the loan. 

Law requires PMI removal at 78 %.
Product: Credit card

I received notification from XXXX that XXXX XXXX XXXX XXXX XXXX closed my account on XX/XX/year>. I am not 180 days past due neither am I over my allowed balance. XXXX never credited my account via the Electronic Funds Transfer Act from the dividend payment made on my treasury coupon. 15USC1666d states whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obigor, the creditor shall- A. Credit the amount of the credit balance to the consumer 's account ; B. Refund any part of the amount of the remaining credit balance, upon request of the consumer ; and C. Make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than 6 months, except that no further action is required in any case in which the consumer 's current location is not known by the creditor and can not be traced through the consumer 's last known address or telephone number. Second violation : Mail Fraud [ 18USC1341 ] Securities are to be sent in registered form ONLY. XXXX sends security bonds through regular postal mail. 
15USC1681a2 Exclusions-the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. XXXX has communicated late payment transactions illegally to all XXXX credit bureaus despite the United States Code stating it is NOT to be reported.
Product: Debt collection

My debt was sold to Ad Astra from XXXX XXXX. I sent a cease and desist to Ad Astra via mail and fax XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, KS XXXX-XXXX  & at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX-XXXX  and via fax at XXXX to inform them I would settle my debt with XXXX  XXXX and awaited a return notice, I never received a return notice that they would not proceed. I sent all 3 methods to ensure they got the notice. However, Ad Astra put a debt on my credit that I do not have with them and do not wish to proceed in recovery with them. I have not moved forward with XXXX XXXX because I can not afford to pay XXXX XXXX and the collection company. The collection company has disregarded my notices. I have resent to them certified mail XX/XX/XXXX and will get confirmation from the post office of my previous mailing to provide to your agency
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified by the police that I am a victim of identity theft. I requested a copy of my credit report. There are several addresses listed on there that I never used or lived at. One of which is XXXX XXXX XXXX, XXXX, AZ XXXX. Address ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. I believe under the Fair Debt CollectionsPractices Act., I have the right to request that you allow me to validate the alleged debt. Additionally, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partiestorelease myinformation toathirdparty. 

XXXXPlease provide a breakdown of fees including any collection costs and charges, XXXX a copy of my signature with the provider of service to release my informationto you and XXXX XXXXCease any credit bureau reporting until debt has been validated by me and send this information to my address listed above and accept this formal complaintasmy formal debt validation request, which I am allowed under the FDCPA. Please note that falsification of the information you received from any provider can beperceivedas a violation of the FDCPA because you will bedeceivingme after my written request of debt validation. I request full documentation of what you receivedfrom the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me tovalidateit may be a violation of the Fair Credit Reporting Act, which can allow me to seekdamagesfrom a collection agency My correct name is XXXX XXXX, please delete these variations of my name : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX, I currently live at : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, these other addresses I have never lived at or may belong to a relative and should be deleted : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX SQ, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX COURT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX My telephone number is ( XXXX ) XXXX and I have never had any of these numbers listed : ( 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 The following accounts need to be deleted/removed : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SERVICES, XXXX XXXX, XXXX XXXX
Product: Vehicle loan or lease

Improper or illegal advertisement of downpayments and installments, Lack of full disclosure, and no equal consideration of contract I had to pay a {$1000.00} downpayment when purchasing from this company which is not a customary sum for a down payment for this company which is a requirement according to the following U.S. code : 15 U.S. Code 1662 ( 2 ) - Advertising of downpayments and installments Stating No advertisement to aid, promote, or assist directly or indirectly any extension of consumer credit may state. 
( 2 ) that a specified downpayment is required in connection with any extension of consumer credit, unless the creditor usually and customarily arranges downpayments in that amount. 

Carvana/XXXX put up nothing of value on their end so they had nothing to lose ( no equal consideration and lack of full discolsure ) I have reached out to XXXX via mail requesting a full accounting of my loan accounts but was denied and threatened. The following code shows the loan application that is tendered is equal to the amount of Federal Reserve note that the application is applying for. 
12 U.S Code 412 Application for notes : collateral required The second sentence of this code states : Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.
Product: Credit reporting, credit repair services, or other personal consumer reports

It looks like the kia auto did 2 hard inquires under my name. One under XXXX and the other Nissan. Both companies are the same dealer to where I bought my vehicle. Only vehicle I looked at and bought was a XXXX. Two injuries should not be showing to my knowledge. Dates are XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card with XXXX XXXX and they indicated a problem with Trans Union report on me. I called Trans union customer service and they said they could not tell me what was wrong, but said if XXXX XXXX asked for more identification it could only be because there was a fraud alert on my report. I said I don't remember a fraud alert on any report. I asked would there be any other reason other than a fraud alert for XXXX XXXX to say there was a problem and he stated no to me and said I would have to look at my report and see. As I suspected there is no fraud alert I could find on my report. Now if I try another company for a credit card it will show that I tried another company and was turned down so again this is starting a snow ball effect of my credibility being tarnished because of Trans Union not reporting correctly or not giving me the reason for me to correct the information so I could get a new credit card. I have a credit rating just under XXXX and I currently have an XXXX XXXX card since 1994 with a {$25000.00} credit limit. There are several stores around here that do not accept XXXX XXXX, that is the only reason I need a new card. I just sold a house and deposited over XXXX figures in the bank ( the house was debt free ) so it is not the money I need, just not using my debit card which is dangerous to my account.
Product: Debt collection

I am writing to address a matter of utmost urgency and express my vehement dissatisfaction with the erroneous information currently present on my credit report concerning XXXX XXXX, account number XXXX, opened on XX/XX/, reflecting a balance of {$0.00}. Contrary to the inaccuracies reported, I have never been late with XXXX XXXX, and they have acknowledged their mistake, agreeing to update the information. This is a blatant error on your part, and I demand the immediate correction of this misinformation. It is baffling and infuriating that XXXX has already complied with this correction request, recognizing the injustice I have faced. I am astounded that your credit reporting agency appears to be wilfully ignoring my legitimate requests, thus violating the law. The lack of compliance is not only unacceptable but raises serious concerns about your commitment to accurate reporting and adherence to legal standards. This is not a request ; it is a direct and forceful demand for the immediate update of the information concerning XXXX XXXX on my credit report. I expect confirmation of this correction within the shortest timeframe permissible under the law.
Product: Credit reporting or other personal consumer reports

the following list of credit pull is unknow to me I did not ask for my credit to be pulled or did I tell anyone they can pull my report this is not right how can a credit pull your file with out me saying so here is a list of the credit pulls XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> please remove these from my file because I do not know anything about these credit pull please
Product: Credit reporting or other personal consumer reports

I disputed inquiries on my report that were not related to things i consented to. After less that XXXX hours they deemed their investigation complete and did not fix anything on my report or thoroughly do an investigation Items are as follows : DateXXXX XXXX XXXXXXXX CompanyXXXX  AddressXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CompanyEQUIFAX XXXX XXXX AddressEQUIFAX MORTGAGE SERVICESXXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Request OriginatorXXXX XXXX XXXX XXXX XXXX XXXX CompanyXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Request Originator XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Request Originator
Product: Debt collection

This account was opened in XXXX and closed XXXX. No longer being reported but not deleted.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX  -- {$5200.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

after disputing the inaccuracy multiply times the company and the bureau claimed to say the account is verified and reporting accurately. when Cleary the credit report is still reporting late payments on a charge off account which is a violation. a charge off is a closed account and no new information should be reporting especially with the account be sold also. 
XXXX/XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

See attatched XXXX  Report USAA Account XXXX reported by usaa as Certifed Accurrate XX/XX/XXXX. ERRORS : 1 ) THIS IS NOT MY ACCOUNT See statement MC end XXXX XX/XX/XXXX. 2 ) Clearly as reported THIS DID NOT CLOSE XX/XX/XXXX and has a different account # 3 ) See USAA Account XXXX Opened XX/XX/XXXX THIS WAS OPENED FRAUDULENTLY REPORTED AS ID THEFT case XXXX in XXXX & CLOSED XX/XX/XXXX *THIS IS NOT MY ACCOUNT. I DEMAND XXXX  DELETE THESE ACCOUNTS OR PROVIDE DRS LICENSE AND ORIGINAL WRITTEN SIGNATURE TO VERIFY.