23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

So I changed from XXXX XXXX XXXX due to their customer service being XXXX and every other bank I dealt with having great customer service I went to my local credit union and opened two accounts with a check I received from a law suit settlement this is where things went wrong I did n't realize it at the time but because of the amount of the check the banks back office decided to close my accounts in the mean time I had logged into discover and made two payments in the amount of XXXX so XXXX ( 2 ) for a total of XXXX to my account the first one got returned and I panicked I called XXXX ( the credit union ) a rep named XXXX told me it was because I used the money market account ending in XXXX and that I could not use my money market account for ACH withdrawals during the first X amount of days which was okay with me so I went back on to discover and I scheduled the full XXXX to come out of the checking account ending it XXXX because for whatever reason XXXX could n't see that my account was being closed by the back office team at this time and I scheduled my regular XXXX payment that was due from my XXXX XXXX account two weeks go by, I receive a certified letter with the check enclosed informing me my accounts are being closed and they do not wish to do business with me so I rush to XXXX deposit the check and talk to a manager they ca n't do anything for me about the " hold '' on a check for this amount so I call discover and the rep tells me as long as I pay the full XXXX as soon as it clears and make good on the payment everything will be fine. So I do exactly that. Not even a week after I have made good on the errors caused by my account being closed by the credit union discover closes my account and tells me there is n't anything they can do unless XXXX XXXX will admit it is their mistake the problem is XXXX does n't see it as a mistake they blatantly have told me they do n't wish to help me with this issue and have told the one manager who was willing to help me not to assist me any further and gone as far as denying he works there when they called his branch. The point is yes the payment may have been returned due to the account being closed but as soon as I got the check cleared into another bank I gave them the exact same amount of money and still made my regular payment on top of that its not like I was trying to run any type of scam on them. 

My mom also believes her account with them may have been closed for this which would n't make sense considering she 's had it for years and pays her bills better than I do. 

Screenshot shows recent payments you can see the two XXXX payments that get returned the XXXX from XXXX where I thought it was due to XXXX being money market then me fixing it from XXXX on XXXX and you can see that one was NOT returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION had removed XXXX  from my report 4 yrs ago then put it back on my report and when I despites it again they said it was never removed which you can clearly see on my credit report that it was.
Product: Credit reporting or other personal consumer reports

Ive disputed this XXXX XXXX Bank account with Equifax. I have disputed incomplete and inaccurate information. 

Equifax reports account first delinquency was XX/XX/year> which is inaccurate. 

Equifax reports No Data from XXXX until XXXX which is incomplete and inaccurate, then again Equifax reports no data in XXXX and XX/XX/year> which is incomplete and inaccurate. 

Equifax reports that in XX/XX/year> that the account was 60 days late which is inaccurate. 

Please this is a FCRA violation and Equifax has failed to do a proper investigation please remove this account permanently from my credit report
Product: Mortgage

Hello, I am filing a complaint because I have a loan with Shellpoint Mortgage Servicing for my property in XXXX, TX. We have had this property for several years now and recently Shellpoint contacted me stating that I did not have insurance on my property and that they were going to place a premium insurance of their own on my property while I got my own insurance, however the rules were that I had to find {$400000.00} worth of coverage for my less than XXXX square feet, XXXX bedroom condo. Every single insurance company that I called obviously rejected me because the coverage I was asking for was far too high for the size of the property. As a result, while XXXX trying to place an impossible insurance on my property, escrow has become greater and greater which is bizarre to me and makes absolutely no sense. I owed less than {$1500.00} to own the property and now due to falsely stating that I have no insurance, all together in order to pay off my property, I owe roughly about {$10000.00}. I felt at a loss of hope, but after looking up reviews online from several different review websites, there are SEVERAL reviews that state the EXACT SAME scenario as ours.
Product: Student loan

Hello, I am concerned as to when my recertification date for my IDR plan is. It is to my understanding that the recertification anniversaries have been pushed back for a year into XXXX if it is within 6 months of the restart of the payment pause ( so any time before XX/XX/XXXX ). 

According to my loan details, I do not see a recertification date but a date that my loans will revert back to the standard repayment plan : XX/XX/XXXX. XXXX this be reverted to XXXX by now? 

I am trying to rectify this since I am in the PSLF and I am trying to continue to minimize the amount my monthly payments.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021, I was victim of a fraudulent theft and my bank ( Bank of America ) refuses to protect me and take responsibility for this fraud. The thieves used a forged customer service line. I searched up on XXXX the XXXX Customer Service number to report an undelivered package. The first number that showed up on XXXX was the fraudulent number. A man, pretending to be an XXXX representative, told me that my package had been located in XXXX and they were going to get a new package sent to me as soon as possible. They said they would guide me how to fix the issue, so they had me download an app called XXXX on my phone. From then on, the scammers said that they needed to cancel the original transaction from my Bank of America App. Although I was skeptical, they kept repeating that " this is XXXX, we are a XXXX dollar company you have no reason not to trust us we just want to get your package back to you. '' This made sense to me because I indeed thought I was talking to XXXX XXXX XXXX, as that was the number that I dialed. Taking complete advantage of my emotional vulnerability at the moment, they made me go on XXXX and type in " codes '' that needed to be sent to this uniform bank of America account which was : @ XXXX. They had me do that twice, a transaction of {$990.00} and {$990.00} for a total of {$1900.00} that they stole from me. During the time this was happening, they also asked me that they needed my moms information because I told them she was the owner of the XXXX account. They tried calling from a different line than the one that was calling me but my mother didn't answer the phone. They quickly realized they were not going to able to scam her so they hung up the phone call as soon the transaction was complete.
Product: Credit reporting or other personal consumer reports

This morning, I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly review my report, but this time, I noticed unexpected discrepancies. I even refreshed my browser, thinking it might be a glitch, but the inaccurate accounts remained. Because of this, I request a thorough review of the documents I have submitted so that I no longer have to worry about this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, Experian, XXXX, and XXXX has violated my federal consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681 section 602 A states I have a right to privacy. These addresses do not belong to me : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Texas XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, texas XXXX
Product: Credit card

I have an issue with Concora Credit. I opened a credit card in last summer for purchasing items at XXXX XXXX. Concora Credit is associated with XXXX XXXX. My account number is XXXX. The problem is that Concora Credit keeps charging unreasonable amounts of late fees and interest charges in my account since last XXXX bill. I called Concora Credit 's customer service to resolve this issue. I made a dispute to one of staff members and explained that there is an unauthorized transaction amount of {$25.00} because I lost my credit card. Someone used my credit card to purchase an item at XXXX XXXX on XX/XX/. I have not made any purchase on that day. I could see that unauthorized transaction in my XXXX bill. The transaction number of the item is XXXX. The customer representative promised that she will close the current credit card and remove the unauthorized transaction so that there will be no more additional charges. But the Concora Credit just keeps charging late fee of {$25.00} in XXXX and {$40.00} every month since XXXX bill. In XXXX bill, Concora Credit initiated refund of {$25.00}. However, the company sneakily keeps adding more fees and charges beside. Therefore, the total balance of XXXX bill is {$100.00} because of an item I have not purchased in XXXX. Further, I have not used the credit card at all since I recognized the unauthorized transaction. I should not make any payment for unauthorized items and fees. This is a fraudulent activity from Concora Credit. I will attach all the bills from Concora. Please resolve this unacceptable issue and protect my credit score as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

I filed a indenity theft report also and contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I saw a new collection on my credit from Capio Partners. I was never notified of this debt or that they were putting anything on my credit and giving me a right to dispute it.

However, I sent a validation request to Capio Partners. They won't respond or anything, yet they continue to report this on my credit. This has been going on for 65 days. 
This agency is in violation of the FDCPA
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following items from my file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

According to the latest SEC filing, there only exists a USAA Auto Owner Trust 2022-A which was recently filed for presale for USAA on XXXX XXXX XXXX XXXX but not the current trust indenture contact information or indenture trustee information for USAA 's credit cards on the SEC. 

In fact, if you look on the SEC site or USAA 's site or U.S. Bank National Association 's information, that doesn't come up at all in regards to that particular trust indenture. 

The USAA Auto Owner Trust 2019-A also has an indenture trustee contact that appears to be outdated and shows that they ( XXXX XXXX XXXX XXXX have left the U.S. National Bank Association according to public information on their employment leaving no successor trustee for the public to be aware of. 

I am demanding that USAA produce the latest information for the public to view on both auto and credit card trust indentures in relation to fiduciary duties and contact information. 

Need I remind you of the importance of refraining in showing information on the grounds of having conflict interest to the beneficiaries of the trusts as noteholders. 

" Fiduciaries are assigned a number of detailed duties and responsibilities, which include " the proper management, administration, and investment of [ plan ] assets, the maintenance of proper records, the disclosure of specified information, and the avoidance of conflicts of interest. '' XXXX XXXX XXXX XXXX, 508 U.S. 248, 1993
Product: Checking or savings account

Upon return of our vacation, we logged into our Chase account to find that Chase charged us 8 seperate overdraft fee 's of {$34.00} each over the course of 24 hours. Not once, were my husband or I notified that we had overdrafted our account. Not once. EIGHT {$34.00} charges on our account and not one notification. Upon contacting Chase, I was transferred multiple times and the only response was that they could only refund 3 of the overdrafts and not all 8 that they had charged. Leaving me with a {$170.00} fee because Chase did not notify me of the overdraft charges when the occured. On top of this, I am signed up to recieve notifications for this account and if it reaches below a certain balance. Chase states that they notified my when they did not. I offered them my phone records from XXXX so they could see that these alerts were never recieved. Chase still refused to care and said they can only refund 3 of them and that no one in their company could refund me more than three of the overdraft fees. No one. As a XXXX XXXX myself, I know that statement is ludicrous. 

I have been a loyal customer of Chase Bank for over a decade with multiple business accounts, checking accounts savings accounts and credit cards. The representatives have been rude and condescending towards my requests and I beleive I have enough reasoning to be refunded the {$170.00} that they charged me on my account without any notifications, despite them admitting that I was in fact signed up to receive account notifcations.
Product: Credit reporting or other personal consumer reports

All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit card or prepaid card

I have the Apple credit card through Goldman Sacks. 
On XX/XX/XXXX, there was a charge of {$300.00} from a company called XXXX. 
This was a charge I did not make and I immediately called Apple Card, they put the charge under review. On XX/XX/XXXX I was charged again, Apple said they ruled in the favor of the merchant. I have called at least 6 times and can not get this resolved, all they say is we understand your frustration. 
XXXX is a food delivery service, that does not deliver any-where in XXXX XXXX Florida.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 USC I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 

FCRA Section 623 Debt Disputed, XXXX XXXX has failed to report it as disputed. 

FDCPA Section 805 ( b ) XXXX XXXX has contacted 3rd parties in XX/XX/2021, disclosing loan information to XXXX individuals, thus XXXX violations. 

FDCPA XXXX XXXX AND XXXX U.S.C. XXXX ( XXXX ) - Harassment or abuse. XXXX XXXX, Account Control XXXX for XXXX XXXX XXXX XXXX called my family member toxic, rude, a bad human being, condescending, a negative person and then told her to think about herself, wait 30 minutes and call back with a retraction and apology.He told her he had been in this business for 40 out of his 60+ years and that she was one of many liars who he had talked to over the course of his career. This occurred on XX/XX/2021. 

XXXX XXXX  has taken adverse actions toward me pursuant to CFR 1026.13. CFR 1026.13 and now forfeits it's right to collect the disputed amount as described in 15 U.S. Code 1666 ( e ). pursuant to CFR 1026.13. CFR 1026.13.

15 U.S. Code 1681b ( a ) ( 2 ). A consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. By definition XXXX XXXX has committed identity theft.
Product: Checking or savings account

the charging me overdraft fees having money in the account, they don't want to return me my money. I account business and personal if a negative balance can from my account business. I deposit money from personal by the still charge me overdraft fees
Product: Debt collection

Debt has been unverified by Wakefield, there was no contract signed for debt to Wakefield and no proof that debt is owned by me.
Product: Debt collection

I have health insurance XXXX by the state I dnt suppose to be responsible for medical bill Medicaid supposed to pay it
Product: Credit reporting or other personal consumer reports

In-accurate CREDITOR REMARKS and ACCOUNT STATUS XXXX  Account : XXXX XXXX XXXXXXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX  Account : XXXX Creditor remarks DEBT INCLUDED IN OR XXXX THROUGH BANKRUPTCY XXXX XXXX, XXXX, or XXXX. ACCOUNT STATUS XXXX through Bankruptcy XXXX XXXX. 
There is no BANKRUPTCY reporting on my credit report ( s ). REMOVE THIS IMMEDIATELY Information on my credit report is in-accurate and as an elected official, by law you can not furnish information to my credit thats inaccurate and harmful. All accounts mentioned must be either DELETED, REMOVED or PAID/NEVER LATE
Product: Checking or savings account

On the dates of XX/XX/XXXX toXX/XX/XXXX. The transactions seemed not timed well and alerts seemed delayed at times again. This seems to happen around the XXXX to XXXX or so of every month at times. I would love to see smooth transactions. It is almost as if one individual at Chase is consistantly touching on my account to cause fault. Hopefully Chase can trace its employees actions if unusual. If it can happen at XXXX it can happen to a customer.
Product: Debt collection

XXXX XXXX, 2017 This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on my credit files that is inaccurate. I never attended XXXX XXXX XXXX. I do not have a signed agreement/contract with you General Revenue Corp. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing this item is removed for all 3 credit bureaus, I demand the following account be properly verified or removed immediately.
Name of Account : Account Number : Provide Physical Proof of Verification : XXXX / General Revenue XXXX Unverified Account * NOTE : Please also remove all non-account holding inquiries over 30 days old.
Thank You,
Product: Debt collection

I was contacted by credence saying that I owed them XXXX for an XXXX bill. I told them I could do a payment plan and they were trying to get me to pay a lump sum- this was in XXXX. I told them I would call back in XXXX when I could make the 1st payment since they were so adamant on a lump sum. I forgot I had already given them my bank information. When I got paid in XXXX I called on the XXXX and scheduled a payment arrangement for {$70.00} that day and {$100.00} on the XXXX of every month until XXXX. No one informed me that they had already charged my card that day for {$100.00} and proceeding to charge me again. I realized what happened after getting off the phone with them and checking my bank account. When I called back they informed me I had one payment arrangement scheduled for the XXXX of every month and 1 for the XXXX I told them they needed to refund my {$100.00} and cancel one of the payment arrangements. They said they sent me a notice in the mail but I did not receive this notice until the XXXX of XXXX. Which is way after they debit my account. Further the notice was dated only 2 days before they withdrew the money which means it was not sent out the day it was printed. They said I wouldnt get my money back until 22 business days after it was processed. I told them that was unacceptable and they said I should just leave it as an extra payment or payment for XXXX. I told them that could not happen because they were leaving me without funds. They said no later than 22 days. Yesterday I called back to see if the refund process had begun and they told me 15 days before the refund process begins and 22 days before I even see any result. They are holding my money hostage. Help!
Product: Credit reporting or other personal consumer reports

There are hard inquiries On My consumer report and i have not ran my credit in years and this is identity Theft I would like them removed from my account which it is hindering my life and it is illegal.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX about account # XXXX and asked them to delete this inaccurate derogatory account. They stated that everything is accurate 3 times now! But everything is still the same and the account information is STILL INACCURATE!! This is XXXX!! They have once again broken the law! 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. I have NEVER given written consent to publish ANYTHING on my credit report which is also ILLEGAL!! I DEMAND that the accounts be deleted IMMEDIATELY! They have also violated these multiple laws below, 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. Their illegal actions are costing me and my daughter to live in unsafe circumstances because I can't get proper housing or transportation! If they do not delete these accounts from my credit profile permanently I will take further action and they will be liable to pay me {$1000.00} per violation!