23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, I mistakenly overpaid my USAA credit card twice in the amount of {$3800.00}. I contacted USAA multiple times from XX/XX/XXXX to XX/XX/XXXX, and each time, their representatives instructed me to wait while they conducted internal reviews. At no point was I informed of a 60-day refund policyI only learned about this policy today ( XX/XX/XXXX ). 

Now, after delaying the process beyond their stated timeframe, USAA is refusing to refund me, claiming I missed the deadline. However, this delay was entirely due to their own representatives instructions, which I followed in good faith. I acted responsibly, yet USAA is now using their own delay as an excuse to withhold my funds. 

Furthermore, when I initially requested a refund, a representative stated I could not be refunded because it would put my credit balance over the limit. I expressed that this should not be a barrier, as I simply wanted my money returned. Additionally, I had recently lowered my credit limit due to personal financial concerns. I was unaware that this change would later prevent me from receiving a refunda situation made worse by USAAs 6-month restriction on credit limit changes, which locked me into this issue.

USAA also refused to provide me with copies of my account notes and dispute records. I specifically requested these records on XX/XX/XXXX, but the representative told me they were unable to send them. This lack of transparency raises concerns about their handling of my case and their compliance with consumer protection regulations. 

USAAs handling of this matter has caused me financial harm, and their refusal to refund my money due to their own delays and systemic issues is both unfair and deceptive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am also attaching this with this complaint, for better readability Removal of Unauthorized, Unknown MULITPLES RAN Hard Inquiries from my Credit Report I am exercising my right under The Fair Credit Reporting Act and disputing the hard inquiries from my credit report. 

These inquires are Unauthorized, and Unknown and ran multiples of times. 

I only did 1 ONE application. When I checked my account, I noticed 10 inquires and had multiple run.

These inquires are hurting me, my family and has severely impacted my ability to obtain any credit.

FOLLOWING HARD INQUIRIES MUST IMMEDIATELY BE REMOVED COMPANY INQUIRY DATE REASON 1. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX, MD XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX FL XXXX XXXX, NJ XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX CONTINUED FROM PG 1 4. 
XXXX XXXX XXXX XXXXXXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. 
XXXX XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. 
XXXX XXXXXX/XX/2020 UNAUTHORIZED AND UNKNOWN XXXX XXXX XXXX XXXX XXXX, OH XXXX
Product: Student loan

My original loan was for with Sallie Mea at XXXX college I was paying my loan XXXX College the school was discredited making my schooling useless They are on the hook not my family ... I never got a job as a XXXX XXXX XXXX which I was at the top of my class .Navient is the new creditor harassing me.
Product: Credit reporting or other personal consumer reports

I have been using Credit Karma for a few years now and the information they report is consistently inaccurate. I pay for all my reports and scores from all three of the credit bureaus so I get up-to-date information in real-time about my reports. Credit Karma has no way to contact them directly to dispute this information the three credit bureaus XXXX, XXXX, and XXXX have sent the updated and correct information to Credit Karma. Credit Karma currently shows that I have XXXX hard inquiries on my XXXX credit report, however my official XXXX credit report shows XXXX hard inquiries. XXXX hard inquiries is excessive and not acurate by any means.
Product: Credit reporting or other personal consumer reports

The collections agency has engaged in false and misleading practices violating ftc 807 and ftc 8012. Regarding XXXX XXXXXXXX XXXX on my credit report.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found that several items there were inaccurate on my account. This account is affecting the ability to obtain credit, I request an investigation of these items so that the inaccuracies are verified. Here are the items for your verification. Account : XXXX  XXXX XXXX number XXXX ( CLOSED ACCOUNT ) payments late year XXXX  and charge off years XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my issues regarding Zelle 's handling of disputes, inlight of the active lawsuit Zelle has highlighting significant issues with the platform. despite using Zelle multiple times and reporting discrepancies my finical institution and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. Per CFPB 'S findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving their customers helpless and vulnerable to scams
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting

Information on my report is not mine, identity theft, personal information is not mine, accounts that are not mine and have never had, and places i have never lived. Since late XXXX, i have been goring through with this credit agency, i submit a dispute, they then deny me access to the account, i call and they tell me they have fixed the situation. when inn fact that has never happened with experian. once again this happen, today XXXX/XXXX/XXXX. they continue to charge my credit card for services i do not request. then deny me access to the account. i am unable to print a copy of my full report. here is a list of atempts to deal with this service. and there is much more.
Product: Credit reporting or other personal consumer reports

My credit report is constantly being used to get a credit card from XXXX  on XXXX/XXXX/XXXX  XX/XX/2023. I called the company and Im not getting anywhere and someone keeps applying in my name and it keeps hitting my hard inquiries. Im requesting a full investigation into who keeps trying to get a credit card and also the company for not complieing with my request to put a block on any credit card the company supplies at the the moment and I even offered to give them a password only I could use in applying for their services. This has happened twice in the last week and Im asking for resolution asap.
Product: Checking or savings account

I cashed my tax refund check with my chime account and after they approved it they locked my account and I have sent in documents showing it was a refund check and they still won't allow me access to my money. This has caused major problems due to me not having my money to feed my kids, pay my mortgage and run my business. I hav emailed them on XX/XX/XXXX, and XX/XX/XXXX and sent in documents again today and I call every day and they just say they will escalate the issue and I never hear anything back. 
The bank is Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX , XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable. 

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitte

d under 15 U.S.C. 1681n and 1681o. This letter is your final notice to rectify your violations. Your failure to comply will be viewed as
willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

XXXX XXXX XXXX
Product: Debt collection

It is called audit systems and I told them to stop calling and harassing me. I already took care of it with the doctor but they refuse to give up and wo n't stop calling
Product: Payday loan, title loan, personal loan, or advance loan

Specialty contractor XXXX XXXX applied for credit " on my behalf '', Service Finance Company , LLC sent me a letter dated XX/XX/XXXX and received by me XX/XX/XXXX. This is the ONLY written ( legible and retrievable ) item I've received from Service Finance Company , LLC. It is the disclosure mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act - 2010 ), amending the Fair Credit Reporting Act ( FCRA ) that requires credit score disclosure for risk-based pricing and adverse action notices. 
It purports a credit score of XXXX, when my XXXX ( the most widely used credit score ) was being reported to me ( by my bank ) as XXXX. That is a significant disparity margin which would unfairly subject me to higher interest rates. 
Service Finance Company , LLC violated " TILA '' ( Truth in Lending ) 15 U.S.C. 1601, Regulation Z, 12 CFR 1026. They did not have my written or direct permission to " pull '' my credit report. A bait & switch, misrepresentation, fraud in the inducement and " blatantly illegal conduct '' ( ref FTC v. Jonathan Braun/RCG Advances ) scheme with the contractor resulted in this " Loan Number XXXX '', which is proof they colluded to enrolled me in the scheme without making any required disclosures and without any written agreement or consent on my part. This also violates lending privacy rules under Gramm-Leach-Bliley Act Title V, subtitle A, of this Act ( 15 U.S.C. 6801 et seq. ), and ( would have ) violated Florida Digital Bill of Rights ( FDBOR ) effective XX/XX/XXXX, had it been done 2 weeks later. FTC & CFPD -ONLY- may reference my Georgia Attorney General Complaint # XXXX, any and all others not a party to this complaint must receive my written permission and that of the Georgia Attorney General to access any and all information pertaining to GAG complaint # XXXX.
Product: Credit card or prepaid card

NetSpend corporation locked my account and kept me away from my funds after I filed a few disputes as it was frauded and my card was being used by someone else. I tried fixing the issue to gain access to my account and did everything they asked like identity approval, they approved me and I still didn't gain access they took it up on themselves to close my account after the asking of my id, social, address and other information. They were still charging me fees and didn't allow me to gain access to any of my information bor did they have valid reason as to why they asked for identity or as to why they closed it afterwards
Product: Mortgage

Im being scammed by Loan Depot LLC. They were hacked in XX/XX/year>, mine & my husbands information were breached, they turned off our ability to electronically pay and had no ability to take payment by phone ( direct with ACH & routing number ). Was instructed their policy were to send certified checks or money orders to XXXXXXXX XXXX ( see previously alleged complaint # XXXXXXXX ( still open awaiting companys response ).
Product: Credit card or prepaid card

Two accounts with Barclays were fraudulently opened and have a balance. I reported this to the company in XXXX and have not gotten a resolution. The accounts are still on my credit report, with a reported balance of {$5200.00} on one account and {$2100.00} on the second. The company claims these are my accounts, but I have no knowledge of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX  Account Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, account ID # XXXX has 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
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/2012, XXXX XXXX XXXX XXXX XXXX XXXX, NCXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX Balance : {$12000.00}, XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$70.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX falsely reported a negative account to my credit report. This was immediately corrected by XXXX way back in XXXX. My score dropped over 50 points when XXXX did this. My score did not go back up to where it was when XXXX rectified their error. I have been trying to get Equifax to at the very least acknowledge their mistake. All they do is tell me that I was sent the completed report. Thanks for that. I did receive it. The real problem is that Equifax screwed up my score, and now they just stick their heads in the sand and refuse to correct their blatant error.
Product: Credit reporting or other personal consumer reports

I have disputed these accounts multiple times with all XXXX credit bureaus yet they come back verified as accurate. How are they accurate if all XXXX are reporting different dates last active, payment history, account status, and more? XXXX XXXX reports an account as last active on XX/XX/year> but has the date opened on XX/XX/year>. How? I do not have an account with these companies nor do I have any agreements written or verbal with them. No one can validate the debt or provide me with contracts.
Product: Debt collection

Rep at Transworld Services Inc called ( Second Time after I had asked for verification of debt that I never received and told them all communications must be done via mail going forward ), I missed the call and decided to call back. Upon doing so I was told the company name and that they were calling to speak to XXXX XXXX. I did not verify who I was or if I was who they were looking for. I simply stated, what is this in reference too. The rep on the end of the phone, without verifying identity stated " XXXX XXXX ''. This breaks FDCPA guidelines concerning releasing information to an unknown party. I could have been anyone on the other end of the phone and she just stated that she was calling concerning something related to XXXX. Not only does this go against FDCPA guidelines but HIPPA. You disclosed that I have a bill due to XXXX, who is a medical office taking tests. Which means you just told someone I had testing done for unknown reasons. If it had been a family member that could have caused major issues. Not only that, I had requested the last time I spoke to them to mail me verification of debt to the address they have in their systems and to do all further communication via mail. This counts as a verbal cease and desist which is another violation of FDCPA guidelines.
Product: Checking or savings account

XX/XX/21 : PNC Virtual Wallet Performance Select approved, advertising {$400.00} cash bonus paid within 60-90 days of satisfying {$5000.00} direct deposit requirement XX/XX/21 : Direct deposits totaling XXXX satisfied the bonus requirement. A call was made to a service representative to confirm XX/XX/21 : Contacted PNC again to remind them the bonus requirements were met and it's been 90 days. The rep first said " no '' to my query. When I challenged if it was a system error or they're denying their advertised claim, the rep then changed to say it was a mistake in his reading the statement history. He said it would appear " soon '' as a credit on a statement. 

XX/XX/21 : It is now approaching 120 days and still no sign of the bonus being credited.
Product: Credit reporting or other personal consumer reports

I did a credit report and saw information that was not mine with inquiries that I never made