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

I have been a member of USAA since XX/XX/2003. Last year, I filed for bankruptcy, of which USAA credit card was one of them. Soon after it was discharged, I tried to log on to my account, and received this message : " According to our records you filed bankruptcy and we can not collect certain debts. To obtain access to your existing accounts you may log on by clicking proceed below. '' I was then taken to their mobile site, which limits what I can do, such as receiving documents. This has impacted actions that have needed to get done, such as paying my mortgage bill. 

I also found out that for some reason, I was never able to reaffirm my mortgage, even though I gave them permission to speak with my attorney and gave his information. I wanted to reaffirm my mortgage to show my good faith. 

Since then, I have received sub-par customer service. For instance, my mother passed away, and I had her on one of my accounts. They sent me paperwork to have her removed. I sent it in, but apparently, I was missing a document. No one bothered to let me know until I tried to add my husband to the account. 

Another interesting thing I have since noticed is the order in which they apply transactions. It seems they pay the larger ones first, and then the smaller ones. I thought they were supposed to pay as they came in, but they are not doing that. 

My experience with USAA lately has been frustrating and humiliating. I have other accounts with other banks, and I have full access to their websites. I truly believe because of the bankruptcy, I am receiving the bare minimum of customer service. USAA says they are there for service member and their families, but they 're not.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I was shocked to find this account listed as negative. However, after conducting thorough research, I discovered that this same account is not being reported as negative with other credit bureaus, such as XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

This consumer credit reporting agency claimed to have verified errors, balance and inaccuracy 's on my credit report, how is this possible. This account has no balance as you can see attach letter from the furnisher on page 3 marked in the box with the X. Make sure you look on page 3 as the CFPB will have this on record. So there for this account must be deleted or remove from my credit report right now Account : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Bureaus need to only list my true name as XXXX XXXX XXXX or XXXX XXXX. My only address is XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX, Texas. XXXX. Any other addresses or spelling is incorrect.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX XXXX for engaging in debt collection practices in the state of Texas without the required license to do so. This is a clear violation of state law and the Fair Debt Collection Practices Act ( FDCPA ), and it has resulted in an unlawful attempt to collect a debt that has been reported to my credit file. 

Debt Collector Name : Credit Collection Services Account Number : XXXX Debt Amount : {$170.00} Date of Report : [ Date of report showing the collection entry ] I have verified that XXXX XXXX XXXX is not properly licensed to operate as a debt collector within the state of Texas, as required by Texas Finance Code, Chapter 392 ( Texas Debt Collection Act ). XXXX XXXX XXXX has not registered with the Texas Secretary of State as required by state law, and as a result, their attempt to collect this debt is illegal and void.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00}
Product: Checking or savings account

chime bank took money from my account on XX/XX/2023 and on XX/XX/2023 I asked chime bank on XX/XX/2023 to give me back my funds cause i never authorized any transaction with a company called XXXX I have no idea who they are at all. chime said they will look into it. but then abruptly denied my claim ( XXXX ) without investigating anything. chime said they will send me a new debit card. funds in the amount of {$19.00} twice unathorized. they owe me {$39.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Blocking and Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear TransUnion, I am writing to formally dispute and request the removal of inaccurate and potentially fraudulent accounts from my consumer report under my rights as stated in 15 U.S.C. 1681c-2 ( c ) ( a ). Upon reviewing my report, I identified the following accounts, which I did not authorize and should be removed immediately : 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 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  : Closed, {$690.00} Written Off As provided by 15 U.S.C. 1681c-2, I request that TransUnion immediately block and remove these accounts from my report as they are unauthorized and inaccurate. If these accounts can not be verified as accurate, they must be removed as required by law.

To assist in your investigation, I have included the following : 1. A copy of my government-issued ID for verification.

2. A completed FTC Identity Theft Report.

Please acknowledge receipt of this dispute and provide me with written confirmation of the removal of these accounts within the legally required timeframe. 

Thank you for your immediate attention to this issue. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have previously complained about my time share payment being delayed intentionally ( reordering transactions ). BB & T has denied delaying ( reordering ) transactions to cause an overdraft. This time, I called the time share finance accounting office, and in addition to stopping automatic check payments asked when the last transaction was submitted. I was told it was submitted XX/XX/XXXX, and it showed up on my banking app as being posted on XX/XX/XXXX. In the meantime, several other transactions were left pending, and then I was charged overdraft fees. 
On another account which is new, I was charged overdraft fees on PIN transactions which if I'm not mistaken, are required to be automatically opted out of overdraft protection, and were not. 

Since BB & T is reading this complaint : Dear BB & T, either refund the overdraft fees and appologize, or I will close all of my accounts. Your response to my last complaint was arrogant and condescending, and you also denied my home mortgage credit application. BB & T is proving to be worthless as a bank, and this is BB & T 's last chance to demonstrate that it also cares about it's customers in addition to making a profit. What I want to resolve this issue is for BB & T to return the overdraft fee for the automatic check payment on my older checking account, and return the PIN overdraft fees on the new account, and do not respond with nonsense about how I had an overdraft fee two years ago so you aren't going to return the fees. Which do you want, the fees or my continued patronage? It's one or the other.
Product: Checking or savings account

On XX/XX/XXXX, i contracted services from XXXX XXXX. I requested a video inspection and report and was quoted {$450.00}. I agreed to the charge and was advised that a report would be provided within 24 hours. I called the morning of XX/XX/2018 and the company advised i should be receiving the report by XXXX, called at XXXX and they advised before end of business day. By XXXX i called one last time to request the video and report and the manager XXXX advised that the machine was broken and they did not have any report to provide. At that point i advised the manager that i would like a refund because the service i requested was not provided in a timely manner as they promised. Since this date i have called and text on numerous occasions expressing my dissatisfaction. There has been no effective communication on when i would be receiving my money for a service i never received, Chase has decided to close the claim against them without seeking out further information from the consumer. I have advised chase that i am unhappy with their decision and would like if further investigation could be taken and they advised they can not do anything else. I don't think Chase did enough on my behalf to rectify the issue and allowed a business to bully me out of {$450.00}.
Product: Credit reporting

Purchased a computer through XXXX. This purchase was financed by applying for the XXXX store card. It was approved at {$2200.00}. Computer cost was only {$1600.00}. XXXX ( XXXX ) days later, MyFICO reported a 100 % account balance increase. Received the shipment from the XXXX seller approximatly XXXX days later. Have not received the necessary information to setup payment account ( online ) from issuing company ( XXXX XXXX ). Contacted XXXX XXXX ( issuer of credit terms ), and they could not help without having an account number. XXXX does not provide this information ( good security, but, negatively impacts credit terms ). When contacting XXXX XXXX, automated voice line stated that there was a balance of {$1500.00}, with {$600.00} of credit to use. This is not reflective of what was reported to Equifax ( per FICO 's complaint process to Equifax ). This is a violation of the FCRA. XXXX XXXX has not been fair or equitable in reporting. They state that I have an additional {$600.00} in credit terms, but have reported that I have maxed-out a new credit card to financial bureaus. I have contacted XXXX via phone and chat, and they ca n't provide an answer as to when I can start paying off what is perceived to be maxed-out terms. At this point, I 'm going in circles. It 's a joke, and, it 's a scam and flat-out fraud between XXXX companies with investors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company, XXXX XXXX regarding an alleged account reporting on my consumer report on XX/XX/XXXX. The company reported inaccurate and unverifiable information, which I requested for competent evidence that the alleged account belong to me. As a result of XXXX XXXX failing to provide this information, the account was deleted in XX/XX/XXXX. I have recently checked my consumer report on XX/XX/XXXX to find that this same alleged account was placed back on my Equifax consumer report. Also, XXXX XXXX still failed to provide the proof requested and has sold this alleged account to the company, XXXX without my consent and has violated federal law.
Product: Debt collection

I keep receiving debt collection calls and letters for a debt that was charged off and collected almost 20 years ago. Santander Consumer USA was the original creditor, who repossessed a vehicle and sold it at auction. The original creditor sold the vehicle at a price that covered the whole balance owed. The harassing debt collector is XXXX XXXX XXXX XXXX. I have contacted them and have tried several times to stop the harassing, but I am still getting harassed with calls and letters for debt from 20 years ago. XXXX XXXX XXXX XXXX is in violation of statute of limitations. I am considering filing a lawsuit against XXXX XXXX XXXX XXXX for harassment.
Product: Credit card

I had auto-pay set up on my account and never disabled auto-pay. Target stopped my auto-pay without my knowledge and marked me for non payment in XXXX and XXXX. I never recieved statements for the amount due or notification of missed payment. I only found out because XXXX XXXX  alerted me of a 30 day past due. I have never been late on anything. 

I also made a payment in XX/XX/XXXX  that they never processed.
Product: Credit reporting or other personal consumer reports

I discovered identity theft on my credit report ; XXXX, XXXX, and TransUnion shared my info without consent, violating 15 U.S.C. 1681. The Fair Credit Reporting Act ( FCRA ) protects consumer rights, breached in my case. I kindly ask that you urgently remove inaccuracies per Section 612 in 15 U.S. Code 1681 and send a no-cost updated report to my address. I have included my identity theft report ( which details each listing in dispute ), my social security card, IDs ( drivers license and passport ), and statement- as requested to prove my identity to validate my claims and requests. Thank you.
Product: Credit reporting or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX, my credit report was provided by the credit reporting bureaus : XXXX, XXXX, and Equifax without my consent to : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a result my credit file erroneously reflects hard inquiries at all three credit bureaus. identification theft is suspected ; however,
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. 

Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX Account Number # XXXX, Account name : XXXX  XXXX Account NumberXXXX XXXX, Account name : DEPT OF EDUCATION/XXXX Account Number # XXXX, account name XXXX XXXX Account Number # XXXX, account name XXXX  XXXX XXXX Account XXXX # XXXX, account name XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXX XXXX Account Number XXXX, account name XXXX XXXX XXXX XXXX Account Number # XXXX, account name XXXX XXXXXXXX XXXX XXXX Account Number XXXX has, account name XXXX  XXXX/XXXX  XXXX  Account Number # XXXX, account name XXXX XXXX Account Number # XXXX XXXX account name XXXX XXXX Account Number # XXXX 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 or other personal consumer reports

This account is fraudulent. Please remove this off my report. Someone had my social, pictures of ids on dark web and my credit has been beyond messed up. I finally can lock it but please remove this is fraud!! I am back in the process of fixing my credit and for some reason u guys keep closing and reopening the account. Please remove this off my credit report. It's fraudulent. I am in the process of buying a house right now and because of this fraudulent activity i will have to pay a higher APR and my family needs to move ASAP. Please remove these illegal/fraudulent accounts off of my credit report ( Transunion, XXXX, XXXX ) PLEASE!!! **They keep closing and reopening two accounts that was fraudulent which keeps causing my score to fluctuate back up and down. Can we please get this removed? XXXX removed these two accounts from my report 9 months ago. I have no clue why I have to keep fighting with transunion and XXXX and then they keep reopening and closing a fraudlent accoubnt! PLEASE HELP! PLEASE HELP!!! This is TOTAL IDENTITY THEFT AND I WOULD LIKE THIS REMOVED. I FINALLY INSTALLED XXXX XXXX AND SURE ENOUGH MY INFORMATION WAS ON THE DARK WEB I MEAN YOU GUYS CAN SEE FOR YOURSELF. PLEASE PLEASE PLEASE REMOVE THESE ITEMS OFF MY REPORT SO I CAN LIVE AND GET MY NEW HOUSE PLEASE THANKS! 

Transunion XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Acct Number XXXXXXXX XXXX XXXX XXXX  Balance {$470.00} Date Opened XX/XX/XXXX Hard Inqurires XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Product: Credit reporting or other personal consumer reports

I have reached out to this company and received no response. I have attached below the letter. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/year> Re : Account # XXXX To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

Account # XXXX is reporting as a charge off with a balance which is not correct. I am asking that you please delete this account on all my credit reports immediately. 
I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I lodged a complaint with these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe in fact im bery sure that my ex wife XXXX XXXX is the one is doing all this hard inquiries even she took Auto loan as it shows in my credit report, i am a US vetran and working since 2005 in XXXX armed forces. 

Also i would like from the three major credit companies to lock my account for future credit inquiries
Product: Credit reporting or other personal consumer reports

I successfully changed my legal name from XXXX to XXXX  in Experian about a year ago. For personal reasons, I decided to revert my name back from XXXX  to XXXX. I made numerous reports about the name change to XXXX through online requests and sent several letters along with my updated driver 's license, social security card, and name change court decree reflecting the new name XXXX. However, for many months, I have had no credit scores and no credit accounts under the new name XXXX, as Experian did not transfer accounts from the XXXX  name to the current name XXXX 

Despite multiple calls, requests, and their own investigations, Experian assisted in moving over my three active credit cards and one closed credit card from XXXX to XXXX. Unfortunately, they overlooked my auto loan and mortgage, which have yet to be reflected in my credit report. Moreover, in my credit report within my online account ( which has been corrected with the new name XXXX ), it still displays my old name XXXX. 

In summary, while the online account now reflects the correct name XXXX, the credit report still shows the name XXXX and is missing information regarding my auto loan and mortgage account. Please see the details in three attachments.
Product: Credit card

I tried to contact Discover today via their website and my XXXX app ; I repeatedly had difficulty logging in even though I recently changed my password again ( have done this at least once in the last few weeks ) but I could not log in. When you ask for help or try to find Discover 's contact information their website forces you to interact with a bot that fails to provide login info and fails to email or text a security code or offer a process to log in to get access to your account. 

I am trying to close my account and permanently end my poor relationship with Discover because they have poor customer service and make it obviously incredibly difficult to communicate with. I am trying to log in to make sure my account is completely close and any and all charges have stopped and also close the savings account I have with them. They are refusing to allow me to log in to see my account information and are not offering an alternate way to gain access to their account. In addition, their contact phone number and general contact info is purposely hidden and/or difficult to find on their own website. They should be prohibited from doing any further credit card business in the State of Arizona until they become transparent with their contact information and make it easier for credit card or bank account customers to log in to find and see they're information.