23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit file and I noticed that there was several accounts showing that are not mine. Please remove the following accounts : The following accounts and incorrect personal information needs to be removed from my credit file : Incorrect Name Spelling - XXXX XXXX XXXX Incorrect Address : XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Information - I never filed bankruptcy
Product: Credit reporting or other personal consumer reports

I'M REQUESTING FOR THE ORIGINAL COPY OF THE AGREEMENT & TERMS & CONDITION. FAILURE TO COMPLY WILL FORFEIT YOUR CLAIMS AND WILL REQUIRE YOU TO DELETE ALL THE LIST OF ITEMS ABOVE. YOU ARE REQUIRED TO DO WHAT I AM ASKING AND BLOCK THESE TRANSACTIONS FROM BEING REPORTED TO MY CONSUMER REPORT WITHIN 4 BUSINESS DAYS FROM THE DATE OF RECEIPT OF THIS NOTICE. 
THANK YOU
Product: Checking or savings account

This is a complaint about USAA. I have a checking, savings, and car insurance account with them. On XX/XX/2018, I had Auto-Pay set up from my Insurance account to my checking account. I didn't realize that if i pay it a few days before it would still auto pull my insurance payment. So, I made two payments for my insurance. One payment for XXXX XXXX the payment i made manually XXXX and the auto-pulled payment of {$230.00}. I called on the XX/XX/2018, and requested a refund of the payment that I made manually of {$230.00}. 

On XX/XX/2018 I recieved an " USAA INTERNAL CREDIT '' of {$230.00}. I assumed that this was the refund I requested and that everything was resolved. On XX/XX/2018 and line item was applied to my account " RETURNED DEPOSIT ITEM '' of - {$230.00}. After 4 1/2 hours on hold, being hung up on and transferred 10 separate times. I was informed that my requested return payment of {$230.00} dollars was never issued. And the the {$230.00} dollars that I recieved as an internal credit from USAA was actually another members money that was applied to my account, and I was told that USAA reserves the right to take it back. 

So at this point, my account is in the negative, I was given no warning that I was getting money pulled for my account. I do not have money for gas, or for food for my family. And now I owe USAA more money, all because USAA insurance failed to issue a refund and the banking department gave me someone else 's money for 20 days. That I thought was mine, and budgetted that money appropriately. I am a XXXX XXXX  to an XXXX XXXX XXXX XXXX, and there is nothing I can do but continue to accrue overdraft fees for an error, and I do not have enough gas money to get to work now, so that I can lose more money to USAA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) TransUnion 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, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) 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, credit repair services, or other personal consumer reports

I do not have a contract with Portfolio Recovery Associates, they did not provide me with the original contract as I requested.

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 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Money transfer, virtual currency, or money service

I needed a bed tent that I designed in the XXXX XXXX  in XXXX XXXX XXXX and XXXX XXXXXXXX XXXX XXXX. I get XXXX since a XXXX  turns out it's Artificial intelligence and an electronic XXXX XXXX XXXX  that electrified XXXX base into a choking agent for regular check ups but I was XXXX XXXX XXXX XXXX and trapped in the apartment so came up with a solution. The capital One people or XXXX people stopped my check because the neighbors vote in the homes which are XXXX XXXX  as well. It's XXXX but two were defective it's like Capital One does it on purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice of rejection from XXXX XXXX on XXXX/XXXX/2020. I submitted for a freeze online and for my free consumer report that very same day. No luck or response, so I submitted again on XX/XX//2020. I also tried calling on XX/XX//2020 and they said they would contact me back in one business day. It is now XXXX/2020 and still no response or letter about my credit score or credit freeze. Please get them to freeze my credit score and send me my credit report.
Product: Credit card or prepaid card

Bank of America violates the law by refusing to dispute a charge On BOA mastercard XXXX XXXX XXXX XXXX claim that was initiated for a transaction from XXXX in the amount of {$39.00} that posted to the account on XXXX XXXX, XXXX. Resolution sought is IMMEDiate permanent credit of {$39.00} and finance charges.
Product: Credit reporting or other personal consumer reports

I reached to all three bureaus. Because they have addresses listed on my credit report that I never lived at. And the incorrect spelling of my name. See attached example. Any other spelling of my name is incorrect and should be removed. Also any other addresses listed on my report that doesn't match the attached photo are also incorrect.
Product: Credit reporting or other personal consumer reports

Kindly block and remove the unauthorized accounts from my credit report as soon as possible. I did not authorize or open these accounts and have no knowledge of their origins. Under USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I noticed late payments on a few of my accounts and it has been XXXX trying to get them corrected. The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. The accounts XXXX XXXX XXXX XXXX are showing late payments when I have stated they were never late. The XXXX account is showing the account # XXXX three separate times and there should only be one whole account. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title 15.
Product: Credit reporting or other personal consumer reports

I did not allowed to put fraud alert on my credit file.
Product: Mortgage

XX/XX/2019 my home flooded. 
It took two months to get a flood insurance preliminary proof of loss. 
The POL was sent to first mortgagorXXXX XXXX Disaster loans for endorsement. XXXX sat on the check for 5 weeks before sending it back to me because I was informed they had me send it to the wrong address. 
The check came back XX/XX/XXXX and was forwarded to Ditech Morgage who told me they would have it back to me in 5-7 days. Ditch received the check XX/XX/XXXX. 
The check was forwarded with a letter explaining that I had been flooded out of my home for 5 months and the reasons why, a copy of the Proof of Loss, and a copy of the bids for hvac, electrical, and plumbing repair, which is the same thing I forwarded to during the previous flood four years ago. 
On XX/XX/XXXX, Ditech calls and demands copies of contractor licensure. This was not required for my last flood loss only 4 years ago. 
It is my belief that Ditech, a mortgage company in bankruptcy, is simply tieing up my payment in their bureaucracy in order to use the money in the interim and stall as much as possible in paying me so I can repair my house. 

I have been out of my home for 5 months. There is no power or heat there. 
I am living in a rental, losing the income from the rental and making payments on both houses, both the rental and the one that is uninhabitable. 
Winter is coming on, and if I dont get my home repaired, the plumbing may freeze & burst causing yet more damage, caused by Ditechs delays in forwarding my fema repair check. 

I need some help getting Ditech to release the check. 
Ditech loan # XXXX XXXX XXXX loan Ditech phone number XXXX Policy # XXXX Claim # XXXX Property Address XXXX XXXX XXXX, XXXX, AR,XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bayview Loan Servicing wasn't mortgage company I was on foreclosure my sale date was XX/XX/XXXX according to the lawyers They gave me a reinstatement quote of {$20000.00} as of XX/XX/XXXX I was put on a repayment plan gave them {$10000.00} XX/XX/XXXX then 1st repayment {$3000.00} XX/XX/XXXX last payment XX/XX/XXXX I thought I was clear done all caught up but then in XX/XX/XXXX I get a notice that they sold my mortgage to XXXX  according to XXXX  I still owed {$5700.00} which is what XXXX stated in my mortage statement I cant believe they want more money I can not in good faith give NO more money unless someone can tell me where did all the money I gave them go I have given them more than enough & still they want more money scaring me into foreclosure or default I'm asking you to please look into this I can not will not give them no more money unless someone can tell me where all the money went why I still owe & how come my balance on my house never went down??? Attached is all the mortgage statements since XXXX the figures never add up all tax forms documents XXXX & XXXX. Also I'm attaching all proff of my payments to them bayview loan Servicing Please please help me If you can tell me how I owe them more money I would love to know
Product: Debt collection

This is not my debt. I dont have any outstanding bills with this office
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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: Money transfer, virtual currency, or money service

On XXXX XXXX I was contacted by phone from someone claiming to be with WellsFargo fraud department. The number came up as the WellsFargo customer service number on the back of my card. I was advised that someone was trying to make a {$3500.00} transfer on my account and I needed to take action to ensure the money wasnt taken. The gentleman then walked me through a few steps to ensure money wasnt removed from my account but actually {$1000.00} was deducted from my account and the call ended. I immediately called WellsFargo to inquire on what was going on why my account showed {$1000.00} missing after I was scammed by someone I thought worked for my bank. I have been told my claim has been closed and my money in unrecoverable. I did not authorize this transaction and I am having a hard time trying to recover my money. I should have been covered by regulation e but WellsFargo is refusing to refund my money from this unauthorized XXXX pay scam. I have never had a XXXX pay account or even thought of using the feature until I received the scam call from WellsFargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I PAID OFF A CREDIT CARD ACCOUNT AND TRANSUNION LOWERED MY SCORE BY XXXX POINTS. XXXX????????????????
Product: Checking or savings account

On XX/XX/XXXXI attempted to send a XXXX for my rent to my landlord for {$2300.00}, and it was declined XXXX times. Instead of the bank, returning the funds to me, they held the funds and cleared it as a transaction. I have called multiple times a day and spoke to multiple different people and they keep assuring me that tomorrow my money will be returned tomorrow tomorrow comes and my money never gets returned to my account, Ive asked for managers and Ive been told the same thing from them. I need the money back now.
Product: Credit reporting or other personal consumer reports

This forceful grievance underscores the alarming inclusion of inaccurate and incomplete credit information in my profile. It is glaringly evident that your operations have drastically fallen short of the fundamental standards mandated by credit reporting laws, particularly 15 USC 1681. This federal statute explicitly dictates that credit bureaus must report nothing less than 100 % accurate credit information, leaving no leeway for the haphazard and erroneous data currently tarnishing my report. The seriousness of this transgression necessitates an immediate and thorough re-examination of the following details, ensuring strict adherence to the unyielding statutory provisions outlined in 15 USC 1681 1 : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. XXXX XXXX Account XXXX Please remove it from my credit report. XXXX : Under XXXX XXXX Code XXXX ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate XXXX  Account Number XXXX Please remove it from my credit report. 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % XXXXXXXX XXXX  XXXX Account Number XXXX Please remove it from my credit report. XXXX : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % XXXXXXXX XXXX XXXXXXXX Account Number XXXX Please remove it from my credit report. 5. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 6. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Student loan

On XX/XX/31 I called Nelnet ( my loan servicer ) to inquire as to why I did not receive an email informing me of my loan forgiveness. This email was to include information on loan payments that could be used to determine if I qualify for a refund due to paying past the 240 month threshold. According to the XXXX website, Nelnet was to provide this information on the email. I did not receive any email. when I called Nelnet, no individual I spoke with knew anything about an email, nor could they provide any information regarding whether I over-paid on my loans. Although this complaint is directed at Nelnet, the people at XXXX were just as unaware of what was happening and did not provide the requested information. 

All I want to know is whether I paid past the 240 month threshold, and if so, what payment dates were past the 240 month threshold.This information will help determine if I will receive a refund. 

Thank you
Product: Mortgage

I have been stonewalled twice for a loan modification. I got injured and was out for 6 months. I tried a loan mod with Wells Fargo and got denied the XXXX time due to non participation from the investor. The investor did not participate in any loan mods. The XXXX time I tried, property values went up, and was turned down as my net present value ratio went up. I have equity in my property ... no good. I tried filing chapter XXXX and case was dismissed and I am barred for filing bk for 180 days. I have a sale date coming up XXXX/XXXX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an XXXX XXXX XXXXI call every month during the first few days of the month and I ask for my entire balance .When I receive the amount from the customer service representative, I pay that amount. I pay in full each month. On XX/XX/XXXX I called and was given an amount of XXXX, which I paid in full. ( KEEP IN MIND A MINIUM PAYMENT WOULD BE XXXX ). On XX/XX/XXXX, I called XXXX and was immediately asked if there was something going on in my life which caused me to be late in XXXX. I was shocked because I know I paid this account on time and in full.The account is due on the XXXX of every month however I pay between the XXXX and XXXX of the month, ( early ) .I asked the representative to please check the account because I was not late and paid XXXX. She checked and told me the XXXX was paid and on time but there was XXXX that was left as a balance. She discovered that in XXXX my whole balance was XXXX not XXXX. I then ask her how it is considered a late account when I paid XXXX the XXXX would be carried to XXXX. She could not explain why it would be considered late.I then discovered a late fee of XXXX was added to my account for the XXXX. The company did reverse that however on my credit report they hit me with a notation of lowering my credit limit which effected my score. I have had identity theft in the past and i am trying to build my credit.this is wrong and totally the companies fault.They attempted to charge me falsely and lowered my credit limit as if I didn't pay on time, it effected my score. This is fraudulent practice. I CAUGHT IT this time.This company should be investigated for illegal practices to there customers.What can you do?
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX Balance : {$290.00} XXXX  XXXX Balance : {$350.00} XXXX XXXX Balance : {$510.00} XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX have 4 hard inquiries on my credit report, and i didn't give anyone permission to use my name under any circumstances. It's affecting my credit score and i would like to have it removed.
Product: Debt collection

I paid the account in XX/XX/2015 and they reported to my credit in XX/XX/2015. SYNCB/Wal-Mart sent me a letter to settle. I called the number on the letter and spoke to a representative and she advised me that if I paid she would have it removed from my credit. I settled and paid. Once my payment was receiving SYNCB/Wal-Mart reported me to the credit bureau. therefore ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX. I have been battling with these credit reporting agencies since 2021 regarding incorrect information on my reports. I have done all I can do and need help. I've gone to the police and filed a report. I've even gone to the FTC and filed reports but they refuse to do their job. My purse was stolen a few years back at a nightclub and I've had credit issues and ID theft issues ever since. This is effecting my life!!!
Product: Credit reporting or other personal consumer reports

I just learned that my personal information was leaked in the XXXX  Equifax Data Breach.
Product: Money transfer, virtual currency, or money service

Tried to use XXXX  app for money saving and PNC would not allow it.
Product: Student loan

Like many people, my student loan payments came back into repayment in XXXX. In the span of one week, I received wildly different information from Mohela regarding my repayment plan. On XXXX XX/XX/2023, I was told that I would owe {$320.00} per month, starting XXXX XX/XX/2023. On XXXX XXXX, I was told that I would owe {$1000.00} a month starting XXXX XX/XX/2023 ( both letters are attached ). I am part of the Public Loan Forgiveness Plan, so picking the correct payment plan is essential to being able to have the balance of my loans forgiven. I wrote to Mohela about this, and they took over a week to get back to me. When they did, they simply told me to call customer service ( a screenshot of our correspondance is attached ). I have spent over one hour trying to reach someone on their customer service line ( see my screenshot from XXXX- this was my second call today ) and it is absolutely impossible to speak with someone. I am not at risk for being punished for missing my payment ( putting my loan forgiveness in jeopardy ) after they provided me with contradictory information and then stopped providing information altogether.
Product: Money transfers

I have XXXX small business accounts with XXXX. On XXXX of the accounts I utilize PayPal as my merchant service account. I have experienced inconsistent issuance of credit of deposits on my XXXX account. For example : I transferred money from PayPal on XX/XX/2016 and it was updated as completed on XX/XX/2016 at XXXX. Several hours later and at the time of this email, I 've yet to get credited for the deposit by XXXX. My first concern is that the deposit is being used by one or both of the institutions to skim money for themselves. My second concern, is that the money is intentionally held because I have pending auto transactions attached to the XXXX account. By with holding the deposit I will be assessed late fees for the insufficient balance when the auto transactions come due. The deposits are credited at different times and dates with no rhyme or reason. This leads me to think that XXXX is engaged in fraud. Along with the knowledge that XXXX has been assessed millions in fines for fraudulent banking practices recently by setting up bogus accounts and loans.