23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

XX/XX/XXXX/XX/XX/2016 I was contacted by USAA treat unit who told me that my checking account had been compromised and they needed to add another level of security. I was alarmed and agreed. A few weeks later I was again contacted. This time they said that someone is trying to hack into my checking account ( this was around the XX/XX/2016. I responded please close my account. The person I was speaking with said she could n't do it but would transferring me to someone who could. After being transferred several types ( at least XXXX ) and without resolution I finally got someone who seemed to want to help She said she was also a veteran and would stay on until the issue was resolved. However, she too was passed along several type and finally she got to a person and demanded that this person close my account. Next she and the other person started arguing about who 's job it was to close accounts. This argument pursued as I was on the phone. finally the she said to me I 'll get this resolved for you and call you back. several weeks later after I had heard nothing from USAA. I received a statement that said that my account was overdrawn and I was responsible for XXXX dollars of overdraft fees. Again, I called USAA to inquire about what was going on and why was n't my account closed as I had requested weeks earlier. First I was told that there was nothing that could be done about this. ( with no explanation why ). I then escalated my concern to the CEO 's office where I was told that there was nothing that could be done but for me to pay the overdraft fees and then they would close the account. When I asked to speak to a manager. The person placed on hold and came back and said the manager " does n't want to speak with you ''. Frankly I was shocked. I 've been with USAA for over 20 years and never had a problem with their customer service. At this point I reached out to the corporate office where I spoke to a XXXX employee number XXXX. After I explained all that had occurred she said she would look into it and call me back. two weeks later after I heard nothing from she I received a letter from USAA basically saying that they are reporting me the credit companies. I called XXXX and left several voicemails and days later she returned my call and said that she had researched my complicated and there was NO documentation of my calls. And therefore I had to pay. Now like I said I 've been with USAA for years and they always document every call. I believe there is something funny going on with USAA since they initiated the concern in the first place. And now they even denie doing so. My major concern is them reporting me to the credit companies as I have a small business and a entry of this nature will serious hamper my ability to do business. PLEASE HELP!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I was forced to resign from my job due to COVID 19 pandemic. My mother was battling XXXX and my job as a XXXX was exposing me to the virus so I made a hard decision to resign for the healthy of those I live with such as my mom. This caused me to be left with little to no income. My husband was still employed however all income went towards our inhome bills such as mortgage, electric, heat, and funds to take care of our XXXX children. Any extra that my husband had we tried to keep up with the car payments as much as we could. As of XX/XX/XXXX I became employed again with a job back in my career and my family is finally getting back to happiness mentally and financially. As of my first paycheck in XXXX I brought the account fully current. I then made my XXXX payment on times as well and will also be making my next due payment on/before XX/XX/XXXX as planned and continue to keep up and go back to my perfect payments. This complaint is a chance for me to explain my disruption to XXXX and attempt to get my late payments from XX/XX/XXXX to XX/XX/XXXX removed as a courtesy. My husband and I are planning on buying a home late this year and this will negatively hurt us so please help us. Thank You and I would greatly appreciate it.. I have attached photos to show my last payment for the big {$1400.00} lump sum catching up and showing that my account is now current.
Product: Vehicle loan or lease

XXXX XXXX repo a car from me a XXXX XXXX. i have been paying on this car for over a year with high interest rates and double payments a month. Like i said this company mislead people they give you a 60 months quote to get the high interest rates then reword it as number of payments so you pay back faster and already know your salary during the loan applications so they double payments so it make you hard to pay for them cause they know the amount of money you need a month to pay your bills with so the double up your payments lie to you and say they have there own insurance and but its really debit cancellation so no matter what they get there money from the car your payments and then reposes the car because they know when they started the loan. thats what loan sharks due and that's what American Finance do thats why they approve only bad credit people but i stop paying on the car because XX/XX/XXXX the tags and registration went out on the car in the loan you can see that they charged me for a 2 year tags and only gave me a XXXX year tag and the car wont pass expectation i called them they tell me they have nothing to do with the tags but do you want to make a payment that's on the dealer so. I called the deal they told me they have nothing to do with the car car no more because it belongs to American Finance now so now i called motor vehicles they told me that's on you and the finance company i called back they keep lying saying that they have nothing to do with the tags and i a email i have i will proved state they never charged me for tags and registration and i have the loan that's say the did and i will proved that to so until i got my tags i withhold payments so they repo the car its funny how they want me to hold up to my contract if you read in the last complaint filed they said you signed the contract and we just collection on what you signed but they not acting on there part of there contract that states they charged me for a 2 year tag with interest. they still want there payment but i got get the car register and tagged and paying for something that should have had this done already no more money out my pocket out my pocket and they still want a payment and never give me my tags but since i didn't pay I didn't obey by my contract they reposed the car. This is the biggest rip off company there is in fact i will you proved you with a email catching them in a lie and everything but still they have the right to reposed a car when they didn't proved what they say they was going to due this prove right here this loan was done on purpose to bring financial harm to me that's what loan sharks do
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Checking my report and I noticed some accounts are opened that I never opened the information doesnt even look accurate either I contacted the creditors they have no information of mines to provide back to me
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the reporting of late payments by XXXX XXXX on my credit report for the months of XX/XX/year>, XX/XX/year>, and XX/XX/year>. I believe the reporting of these late payments violates federal laws, including provisions under 15 U.S.C. 1666b and the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate removal of these entries for the following reasons : 1. Violation of 15 U.S.C. 1666b Under 15 U.S.C. 1666b, creditors are required to apply payments in a timely manner as long as they are received by the due date and meet the creditors reasonable payment requirements. Any deviation from this standard constitutes a violation of the law. I believe these reported late payments were either inaccurately recorded or improperly processed, as no evidence has been provided that justifies this reporting.

2. No Requirement to Report Transactions There is no federal law mandating that creditors report transactions, including late payments, to credit reporting agencies. XXXX XXXX  decision to report these late payments is discretionary, and I have not provided consent for my payment history to be shared with third parties. By reporting this information, XXXX XXXX has violated my privacy rights.

3. Violation of Privacy and Lack of Consent Under the FCRA, reporting of personal financial information must be accurate, fair, and transparent. In this case, XXXX XXXX has reported my payment history without obtaining explicit consent to share this data with credit bureaus. This constitutes a violation of my privacy rights. I did not authorize XXXX XXXX to share this information, and I demand that it be removed from my credit report.
Product: Credit reporting or other personal consumer reports

Please remove and block these incorrect accounts that are appearing on my credit report. This needs to be done as quickly as possible.
Product: Mortgage

Our house had smoke damage to the dwelling and fire damage to landscaping and fence related to the XXXX fire on XX/XX/2018. My insurance company made checks for XXXX payable to myself and OCWEN for the repairs. OCWEN has been holding on to the funds and has very intentionally slow walking the process of getting funds so we can make repairs and refund for the repairs we already made. My wife has XXXX and she is being physically harm by their systematic intentional delays as she has to choose to live in our house or incur extra cost for alternative living location. 

We have already drain our life saving to make the repairs we have already made. I have had to pause the repair while we wait for OCWEN to release my fund that they are holding. 

We had an inspection on XX/XX/XXXX for the property hire by OCWEN. the inspector says we are easy more than 50 % done with the repairs. The OCWEN rep says they are having known system issue in obtaining the inspections report. In the mean time we are greatly suffering from the intentional delays.
Product: Credit card or prepaid card

The Quicksilver from Capital One card is listed as a {$0.00} Annual Fee, and I just found out today that I have been charged a {$39.00} Capital One Member Fee since XX/XX/2014. This Fee went unnoticed until today, and the Capital One Customer Service reps informed me that it is what I signed up for. I only sign up for {$0.00} Annual Fee cards due to this, of the many cards I hold. So I find this to be unlikely that I would have registered for a card with this fee.
Product: Checking or savings account

My wife passed away in XXXX or 2019 and I had previously contacted my bank to get our joint checking changed to my name only. I submitted her death certificate and other paperwork and was assured it had all been handled with a note on my account for future deposits in both our names. 
After filing my taxes this year for 2019, I contacted my bank, Navy Federal Credit Union, to see if my return of {$9300.00} had been sent from the IRS. I did this because I had recently changed checking account numbers following a theft involving my check book. The woman I spoke to said my return was sent back to the IRS because it had my name and my wife 's name on the deposit. She had no idea my wife was deceased, suggested it was my ex-wife, and said there was nothing indicating that on my account. Now I have to attempt to contact the IRS to find a way to get a check in my name alone since Navy FCU has somehow " forgotten '' all of the paperwork and phone calls from when my wife passed and wont accept a direct deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responded quickly removing the account information that was inaccurate. XXXX, and Equifax has not removed the information and its has been passed 4 days since they had my ftc report, personal statement, proof of identity and the identification of the accounts that are inaacurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo could not pin-point of the itemized charges on our Visa Card. All WF did was sending voluminous ( 20 pages each time ) papers ( not its regular monthly statements ), It was arbitrary and irregular. Why we're forced to pay the arbitrary amount 'fabricated ' by Wells Fargo Visa ? There seems to be elements of their being maliciously creative. 

On hindsight, it might be unauthorized charges done by XXXX XXXX. But WF never clarified and gave us a chance to rebuke as a Credit company should do. 

XXXX XXXX is reexamining its incorrect report on its incorrect report.
Product: Debt collection

We are a business and receive calls form XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. He has an address for our business that is 10 years old. I asked him to provide documentation for the debt and he said they do not do that and he will file suite if I did not pay immediately and that it would be a criminal case. These people need to be shut down.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date XXXX Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, SC STATE Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

This issue pertains to Alliant Credit Union ( Charter Number XXXX ) with address XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, lL XXXX p : XXXX f : XXXX alliantcreditunion.com My member number is XXXX. 

Their compliance department sent me physical mail indicating the following : " In accordance with Illinois Statue 205 ILCS 305/15 ( 3 ) allowing for member expulsion, more than 2/3 of members present at the annual meeting of the members voted to expel your membership. Therefore, pursuant to Section 22 of the Alliant Membership and Account Agreement, your Membership will be terminated on XXXX. '' The problems with this are as follows : 1. There is absolutely no detail on the credit union 's website nor were any letters sent pertaining the annual meeting such as ( a ) when it will occur ( b ) where it will be held ( c ) the agenda 2. According to Illinois Statue 205 ILCS 305/15 ( 3 ) :  " ( 3 ) Any member may be expelled by a 2/3 vote of the members present at any regular or special meeting called to consider the matter, but only after an opportunity has been given to the member to be heard. '' With regards to the statue above, I was never given an opportunity to be heard during deliberation regarding member expulsion. No attempt was made to contact me via email, telephone, nor physical mail.
Product: Mortgage

In early XXXX XXXX, I called XXXX XXXX, I explained that my husband was laid off in XXXX XXXX. They put us on a 6 month forebearance plan, the details were as follows : 6 month plan, monthly payments of {$250.00}. XXXX XXXX was the last month on the plan, I paid more than the amount requested. I asked " What happens when the 6 months are up and my husband is still unemployed '' I was told you can re apply and we will extend it. On XXXX XXXX I re-applied for the extention and I was surprised when I was denied, because our mortgage was in default by 9 months. Of course it 's in default, I was only supposed to be paying $ XXXX/mth. I  will continue to try and make payments, but I was told eventually it will get to the point that my mortgage will go into foreclosure and I will not be able to make single payments
Product: Debt collection

I have no idea about this charges of {$530.00} I never have any contracts with XXXX XXXX XXXX or own XXXX XXXX XXXX phone or product.
Product: Mortgage

On XX/XX/XXXX I received an ARM Letter from Nationstar Mortgage stating the following " Under the terms of your Adjustable Rate Mortgage ( ARM ), you had a XXXX month period during which your interest rate stayed the same. That period ends on XX/XX/XXXX, so on that date your interest rate may change. After that, your interest rate and monthly payment may change every XXXX month ( s ) for the life of your loan. '' This letter also states the current interest rate is 3.625 % and the current monthly payment is {$960.00}. According to the Truth In Lending Statement I have the next interest rate adjustment is n't until XX/XX/XXXX. Further more my most recent monthly statements state that my interest rate is 6.375 % and my monthly payment is {$1100.00}. Even though the past due notice that I received on XX/XX/XXXX states my payment is {$980.00}. To add to the confusion the difference between the amount owed on my XXXX statement and my XXXX statement is {$1000.00} even though the payment is state as {$1100.00} on both statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and credit inquiries currently listed on my Equifax, XXXX, and XXXX XXXX credit report are fraudulent and not my accounts or credit inquiries : XXXX XXXXXXXX XXXX {$580.00}, XX/XX/XXXX, XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, XX/XX/XXXX
Product: Mortgage

I am only allowed to have mobile access to my accounts with USAA. I am not allowed to have the access to the member benefits of a USAA member because I have a Charge Off Foreclosure. I requested XXXX modifications with them prior to and after my retirement from the military. They told me that I make to much and am not behind so I do not qualify for modification. Then after retirement I filed for modification and they told me I was not delinquent so I went delinquent on my payments and then refiled modification and was told I do not make enough money and I was delinquent on my account and do not qualify for modification. Now after auction, foreclosure and charge off 5 years after the fact there is no set time frame for them to punish me and not allow me the privilege and benefits of membership that others get. I was told today that they do not have a set time frame in writing.
Product: Debt collection

This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The FAIR COLLECTIONS & O XXXX account is not complying with federal law in regards to identity theft. Additionally, the creditor have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 


FAIR COLLECTIONS & O XXXX
Product: Credit card

o : Continental Finance and XXXX XXXX Dispute Department Subject : Formal Dispute of Billing Error and Late Payment Reporting Under 15 USC 1666 ( b ) and 15 USC 1637 ( a.a ) Account Number : XXXX Credit Report Dispute for XXXX XXXX Dear Continental Finance and XXXX XXXX, I am writing to formally dispute a billing error and the reporting of late payments on my credit report under the provisions of 15 U.S. Code 1666 ( b ) ( Fair Credit Billing Act ), 15 U.S. Code 1637 ( a.a ) ( late payment disclosures ), and HJR 192/Public Law 73-10. 

XXXX. Billing Error Dispute 15 U.S.C. 1666 ( b ) I believe an error has occurred on my account concerning the billing statement for [ Month and Year ]. The charges listed on my bill do not accurately reflect the transactions I authorized. I request that you investigate this matter and correct the error as required by 15 U.S.C. 1666 ( b ). Please provide me with a detailed explanation of the charge, including any supporting documentation.

2. Dispute of Late Payment Reporting 15 U.S.C. 1637 ( a.a ) The late payments reported on my credit profile are inaccurate and improperly documented. I dispute the legality of this reporting, as 15 U.S. Code 1637 ( a.a ) clearly outlines the requirements for proper disclosure of terms and the impact of any late fees. I have not received adequate notification or proof of this reporting being consistent with the law.

Furthermore, under HJR 192 ( Public Law 73-10 ), I challenge the legal status of these debts and their enforcement without providing a lawful remedy or acknowledgment of any federal restrictions on debt payment that were in place historically. 

XXXX. Dispute of Credit Profile and XXXX I also dispute the accuracy of my credit profile as it is reflected on XXXX XXXX. The negative entries and any information related to late payments reported by Continental Finance on the credit report for XXXX XXXX XXXX are incorrect. Please investigate the following : The legitimacy of the negative entries. 
Verification of any disputed debts.

Immediate removal of inaccurate information from my credit report. 
Requested Action Correct the billing error on my account and provide a written acknowledgment of the correction. 
Remove any late payment reports that have been inaccurately or illegally applied to my account. 
Update my credit report on XXXX XXXX to reflect these corrections. 
Provide me with written confirmation once these actions have been completed. 
Please treat this letter as a formal notice of dispute. Under 15 U.S.C. 1666, you are required to acknowledge receipt of this letter within 30 days and resolve the matter within two billing cycles. 

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

without recourse