23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Please see related CFPB complaints Case number : XXXX ( also attached ) I have received XXXX different verbal answers by USAA reps via recorded line, and now XXXX different decision letters from USAA bank all within the same week. 

This recent letter seems rather vague and ambiguous. I fear there may be some issues here incuding, but not limited to Truth in Lending Act. 

Furthermore my original complaint was based upon double inquires on my equifax credit report by USAA and the way that I was lied to by USAA stating that it would not affect my credit as long as they were running my credit within a 48 hour window of the first app. Not the case, credit has been lowered because of this too. 

There is something very wrong going on here with USAA. 

cc : XXXX XXXX XXXX XXXX. Consumer Protection Attorney XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXXcc : Office of the Comptroller of the Currency ( OCC ) XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Mortgage

I had an appointment today at XXXX for a notary to come to my house so that my wife and I could sign the refinance paperwork. The Loan Coordinator assigned to me, XXXX XXXX failed to make certain that all documents were ready for the notary. I received a voicemail at XXXX from the notary indicate that shes does not have the loan packet ready for today. Please note that today marks 90 days since I began my refinance with this company. I have complied in a timely manner and feel as if they are negligent in assisting clients. Please assist me with this matter. I have called and left voicemails, and have yet to receive a response.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, the list of accounts below has violated my privacy and confidentiality under FCR 15 USC 1681 Acct. # XXXXXXXX XXXX XXXX XXXX  Acct. # XXXX XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX. 
Acct. # XXXX XXXX XXXX XXXX 
Acct. # XXXX Caine & Weiner Acct. XXXX XXXXXXXX XXXX XXXX 15USC 1681 section 602 A states I have the right to privacy.

15USC 1681 section 604A section 1 states a consumer reporting agency can not furnish an account without my written instructions.

15USC1681c ( a ) ( 5 ) states that no consumer report agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than records of convictions of crimes which antedates more than seven years.

15USC1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency or person knows or has reasonable cause to believe that the information is inaccurate. 
I request that these accounts are removed from my report of credit due to these violations and inaccuracy of the reporting.
Product: Credit reporting or other personal consumer reports

i am a natural person, i am a livng human being. i have right under 15 usc 1681 XXXX  is goven by 15 usc 1681. and they violated my right numerous of times. i demand the accounts listed below be removed because According to 15 USC 1681 i have the right to privacy I did not give Equifax written permission to furnish these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a request to validate and provide documentation proof letter to the credit bureau in XX/XX/2019 via certified mail. I requested that the below account be validated and for documentation of the validation be provided to me : XXXX   account # XXXX {$1600.00} I notified the credit bureau of this account inconsistencies and gave the opportunity for the bureau to correctly validate with adequate proof, this account. The credit bureau has failed to provide proper proof of account validation within the legal time frame allowed
Product: Payday loan, title loan, or personal loan

I started an account with Conn 's XXXX for a XXXX refrigerator. Once the account was established it had a sectional on it that should've been removed. I have requested that that account be closed out, this hasn't been completed, instead they opened another account with just the refrigerator. Now I have XXXX accounts XXXX that is reporting a {$6000.00} balance that is incorrect. The account with just the refrigerator was paid off XX/XX/XXXX but is still showing a balance due to interest. The interest promotion was to be reinstated because the duplicate account was making my true account show past due, maintaining a current account is a stipulation. The payment amount for the {$6000.00} acct was {$250.00} but to the only refrigerator act was {$90.00}, I started making the {$90.00} payments and started being reported as past due. have had numerous cases to resolve but they have gone unworked. The latest is case XXXX, that I'm being told will take XXXX business days but I am being reported to the credit bureaus for being 180 days late on XXXX accounts, XXXX that should've never been established and XXXX that is paid off but need adjusting for interest. The representative calculated and quoted me the payoff amount manually because the case still wasn't worked from XX/XX/XXXX. I filed credit disputes and the company responded back promptly that the information was correct despite cases that are open on my account proving otherwise. I find it strange they weren't able to work my case but had the ability to respond fraudulently to the credit bureaus.
Product: Debt collection

On XX/XX/XXXXXXXX  I paid Barclay Card for a credit card I had with the back in XXXX  this was a charged off closed account. I paid them {$1100.00}. I asked them for a receipt proof of payment. The agents I spoke with refused to provide proof, and told me if you see the money is not in your account that's your proof that Barclay took your money. The agents were very rude and unprofessional. I filed a complaint against Barclay with the FDIC Ref. No. : XXXX Re : Barclays Bank Delaware. And I was told it was forwarded to this company.
Product: Credit card or prepaid card

Have tried several times to have late payments removed for my accounts, that are in good standing. Have called and written letters but they refuse to remove late payments from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX XXXXDEPT OF ED # XXXX, XXXX XXXX XXXX/DEPT OF ED # XXXX, XXXX XXXX, # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED # XXXX, XXXX/DEPT OF ED # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX  XXXX # XXXX, and XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX # XXXX XXXX XXXX XXXX XXXX  # XXXX, and XXXX XXXX XXXX/ XXXX XXXX # XXXX, have violated my rights.

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

1. XXXX XXXX XXXX acct # XXXX Has violated my rights 2. XXXX XXXX XXXX acct # XXXX Has violated my rights 3. XXXX XXXX XXXX acct # XXXX Has violated my rights 15 USC 1681 Section 602A states I have the right to privacy. 

15 USC 1681 Section 604A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years. 

15USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Payday loan, title loan, or personal loan

The issue with Auto Trakk is the company took my car last year when I only had a balance of {$1000.00}. A few months before they took my vehicle, I sent Auto Trakk an affidavit asking for certified copies of all contracts, all invoices and payment transactions as well as all assignment contracts. About a month later I received a very unprofessional uncertified XXXX  spread sheet. Then a few more months later they took my vehicle. I only owed {$1000.00}. After paying nearly {$20000.00}. I recently contact Auto Trakk and asked them if they sold my vehicle they said yes they did. I was told they sold my vehicle for {$1000.00}. I know this is a lie. The vehicle is was worth at least {$4000.00}. I asked them to send me a certified document of all transactions from selling my vehicle including the final sell price. I was told I would receive it in 7 days. I waited that time and never received anything. So I called Auto Trakk and was put on hold for 62 mins.. I hung up and called the next day and every day since, no one pick up the phone. They have my phone number and do not answer when I call.
Product: Credit card

I have a Capitol One Business card. On XXXX, my credit limit was cut in half for no other reason than I don't use it all. I have had a business card with a XXXX credit limit with another cardholder for years. A few years ago I moved to Capitol One as they offered a card with the same credit limit. I do not spend anywhere near XXXX, in an average month, but I need to keep the higher credit limit in case of an emergency. My business is such that I could easily end up with an emergency bill for $ XXXX {$10.00} and I need a card with that credit limit for such emergencies. This is the second time that Capitol One has cut my credit limit for no other reason than I don't spend that much. I ALWAYS pay on time, I keep the card paid in full, and my income level has not decreased. So, there is absolutely no reason to cut my credit limit. If I qualified for the XXXX credit limit last month, I still qualify today. This happened once before, and I was able to simply restore it. But this time, they refuse to restore it back. I attempted to call customer service and the agent was very unhelpful. Did not offer any help or resolution and flat-out refused to do anything. I need my credit limit restored and locked in place. If I don't pay my bill or there is a valid reason to drop it, then fine. But it needs to be locked in place otherwise. I do hope to never have to use the full limit, but I do need it to be available in case of emergency. 

My credit limit needs to be restored and never again adjusted " because I don't use it all. '' I need a business card with a XXXX limit in order to have it available for emergency use if needed. If Capitol One can not provide that, I will close both cards I have with them and move to another company that will provide that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting NEGATIVE information to the credit bureaus, thus adversely affecting my credit score.. MY account is in GOOD standing with XXXX. The account XXXX is NEGATIVELY reporting DOES NOT belong to me! 

Experian has lowered my credit by 12 point, thus changing my creditworthiness!
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to 15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. I am also a victim of identity theft in 2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA.   XXXX   and Experian allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX XXXXXXXX. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the item of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I filed Chapter XXXX BK in XXXX. I made XXXX years of payments and my bk was discharged in XXXX XXXX. Chase decided to report to the credit bureaus that I was in a Payment Plan in XXXX XXXX when the debt was included in the BK and the home was sold in XXXX. This has negatively impacted my credit score as this now reflects my last delinquency is since XXXX XXXX which is wrong.
Product: Debt collection

They keep stating I owe them and I don't owe them anything. The address they have for that account is not even mine. they keep telling me to pay or ill be taken to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

I filed a dispute on a charge XXXX ( XXXX ) made for {$380.00}. rather than the monthly amount of {$38.00}. I sent Citi a detailed notice and explained that XXXX charged for a whole year of service rather than the monthly amount which Ive paid that way for over 12 years. As Citi was taking its time to handle the dispute, I sent Citi payment to cover the amount of time used at XXXX. In the mean time Citi co-mingled the dispute I had with Home Depot ( who didnt make a credit on a refund even when I had the refund receipt ). The Citi sent me a letter stating the dispute with Home Depot was resolved in my favor but put the amount the dispute with XXXX was for. I sent them a letter requesting they clarify that resolution letter. They did nothing. Ive called them several times and sent them what they needed. However, they havent sent me anything in writing for some time or tell me the status of the dispute with XXXX. When I call them, they give me the run around and tell me to resend everything. Ive requested to get things in writing from them but they dont respond or do it. Its gotten to the point Ive had to put a freeze on the account. When I ask for a managers name or phone number they say they dont have one. And, that they will have to handle it in the order it was received. It was received four months ago and was never handled. They said they couldnt expedite this and do n't have a phone number for their expediting office. Theyve admitted they co-mingled the disputes but arent willing to do anything about it. They simply are just incompetent and when its brought to their attention, it starts all over again.
Product: Credit card or prepaid card

I ordered an entry table from XXXX I did not receive the item for a very long time. When I did I received socks from XXXX. I tried calling the number at the bottom of the website ( XXXX ) XXXX and some man picked up and said the company was a scam. I called capital one with the dispute and have received the absolute worst service every. They contacted the company XXXX  and they said I ordered a table cloth! Which is not what I ordered. I provided the email receipt and capital one will not support my claim. They hang up on me. I explained that I called the number on the site and they said they wanted documentation. I asked how to provide it besides giving them the number off the website or providing them with a call log and that was not what they wanted. But they would not help explain how to provide what they could use. Please help me with this claim. I am extremely frustrated and disappointed in capital ones customer service and the fact that I was hung up on twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXT XXXX XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} EXXXX XXXX XXXX Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending information to verify myself with my disputes, as of XX/XX/2018 the CRAs have not investigated or responded to the following issues on my credit report at all. They have violated the FCRA 30-day-to-respond regulation. The creditors have attempted no contact with me resulting from said investigations. If I must, I will take legal action but I want to create a paper trail. Please see items below ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00}
Product: Mortgage

Our mortgage was bought by Roundpoint Mortgage in XXXX of XXXX. We were informed that at closing there was an escrow shortage of approximately {$700.00}. Roundpoint informed me that if we pay that amount, then our monthly payment would decrease. I spoke with a representative on XX/XX/XXXX who told me to pay {$420.00} and in XXXX our payment would decrease. In XXXX we received our XXXX statement with no changes reflecting. I spoke with a 2nd rep from Roundpoint who said that I would need to wait until XX/XX/XXXX for the escrow balance to reflect. I checked on XX/XX/XXXX and nothing changed, and made the original monthly payment. Spoke with the 3rd rep on XX/XX/XXXX who informed me that I was told incorrectly ( on waiting and the amount ) and I needed to pay an additional {$160.00} for the escrow and that he would make a request to conduct the escrow analysis. He told me to wait until XX/XX/XXXX for this to take effect. I was called on XX/XX/XXXX by a 4th rep inquiring why a payment was not made and I caught her up to speed. She said that an analysis hasn't been done and to go ahead and pay the monthly payment but it will be completed for XXXX 's statement. Today, XX/XX/XXXX, I receive the XXXX statement and just as before, nothing has changed. I called to make a complaint or to speak with someone higher up, and I spoke with my 5th rep from Roundpoint. She did not take a complaint but stated that an escrow analysis has never been requested on the account, but she would input one right now. My frustration is this : if this is something that can not be applied, I would never have paid the extra money. I have been told different things from each rep and I have no trust in this company at all. They do not have the customer in mind, and clearly they are not properly trained nor do they ask for help if they do not know how to do something. I'm hoping that rep # 5 actually knew what she was doing and completed the request, but I have little confidence in RoundPoint Mortgage. Clearly they are a company about taking the customer 's money.
Product: Debt collection

I was on XXXX XXXX orders at the time since I am in the XXXX reserves. Ive told them multiple times. Not only that I have been getting texts from a friend saying they contacted him about me as well. I have no idea how they got his info. I have never given his phone number out to anybody. They havent called before XXXX or after XXXX but they are cutting it very close.