23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My personal information was compromised and i did not authorize the creation of the account listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In  XXXX     2017 without warning, j ustification or reason USAA decided to restrict my online account access and shortly there after with out warning as required by law close all my accounts in direct response to my filing a complaint with the CFPB. Which is also against the law.     However, as a result I began requesting both past and future statements be mailed to me for my checking account for my records. However, to date I have received a single statement for my checking account, and only been told of transactions by USAA for this account. The transaction details I was informed of were all very generic and vague, making little to no sense. Despite multiple requests for additional identifying information USAA has failed to provide the requested information.     Additionally, I received a letter dated  XXXX   XXXX ,    2017 stating I needed to claim funds in my USAA checking account or they would be sent to the state as uncl aimed property. However, when I tried to claim the funds USAA agent  XXXX  informed me I was unable to do anything with the funds and they were not able to be claimed or transferred to any of my other accounts away from USAA as their letter stated I needed to do. So, USAA has sent me a letter requiring me to do something and then refused to allow me to do as their letter required.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are not mine, and these are fraudulent transactions of identity theft. 

1. XXXX XXXX XXXX  original creditor - XXXX XXXX- {$360.00} Date XX/XX/ 2. XXXX XXXX XXXX original creditor XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Amount - {$6500.00} Date - XX/XX/ 3. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$690.00} Date - XX/XX/ 4. XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Amount - {$1300.00} Date - XX/XX/XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I've recently noticed an alleged debt that fell into a derogatory collection account by a company under the name Amerifinancial Solutions LLC on my credit report. I was not notified where the original debt came from, I've received no information on how to dispute such alleged debt/account nor was I the consumer, notified they reported an alleged debt/account to my credit report ( without my authorization ). The alleged debt has several inaccuracies, so how do I even know the debt is real? I sent a debt validation request letter to Amerifinancial Solutions LLC via mail on XX/XX/2022. Tracking shows that the letter was received by Amerifinancial Solutions on XX/XX/2022. It has been more than 30 days and I have not received any type of debt validation letter. 

The debt validation letter is attached to this complaint.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have sent a debt validation letter several times to XXXX XXXX to validate the information it has placed on my credit report. 
I also disputed with the XXXX primary credit reporting companies XXXX, Transunion and XXXX to have this item removed from my credit report. 
I am writing to formally dispute the accuracy of certain information on my credit report. According to my records, there is a negative item that has exceeded the statute of limitations for reporting, and I request its removal. 
The specific item in question is an installment payment account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and deleted for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Payday loan, title loan, or personal loan

I am getting calls from LT Services Group and a lone back in XXXX that I I did not take out. What is troubling is that this company has my information as if I did take this loan out. A loan that can be settled for {$500.00}. I asked them who the loan was with. The lady on the phone told me XXXX XXXX XXXX. I've tried to look them up and CAN NOT find them or get an adequate number. I received another call from this company and they said they were forwarding my social to county services I suppose for a judgement against me. I asked if I would get a letter in the mail to which she responded that they were an " eco friendly '' company and they do not use paper. I asked her to confirm that my information would be sent to my email. I have not received any document dation on this debt. This company has very little recent information about me. The caller also claimed false information about where I have previously worked. This company also has information on my most recent car which was bought in XXXX. I am worried that my identity may have been stolen.
Product: Credit reporting or other personal consumer reports

Equifax continues to violate my rights reporting inaccurate, Fraudulent and unverifiable information. They continue to remove account and then reinsert them.
Product: Credit reporting or other personal consumer reports

Someone used all of my personal information to obtain and lease to own product that was never received here or anytime during or after the suspected event on or about XX/XX/XXXX or XXXX, XXXX. 

XXXX XXXX  has attempted to collect and now reporting this on my credit reports, a financial fraud case has been submitted to the XXXX Report # XXXX today XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 47 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Portfolio Recovery has placed an account on my credit report with a balance not owed on the account. I requested a copy of documents that show that I owe this amount and they have not been able to provide documents. I filed a complaint with XXXX XXXX XXXX   and they too were not able to provide me with documents showing the amount they claimed I owed. On their letter head it says I owe them hundreds of dollars but on the billing statement XXXX XXXX XXXX has provided it does not show this amount. 

I have enclosed a copy of the document XXXX XXXX sent to CFPB that says they sold the account to XXXX for a different amount then the billing statements. 

I can not see how this is lawful and is it is damaging my credit report. I have filed an investigation with the credit bureau 's and will be filing a complaint with other agencies
Product: Checking or savings account

I recently opened up a Wells Fargo account due to me closing my account with XXXX XXXX XXXX. I took my cashier check to Wells Fargo branch and asked them would it clear soon because Im moving, they said yes! Now there saying its a hold until XX/XX/XXXX I told them my account was new and would have never deposited the check had I knew that was going to happen! Im upset because I have no funds to cover my fees for moving!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. Almost a year ago I called XXXX company to order to workout equipment. XXXX called and got me credit through a company called XXXX for the equipment and got me approved. After 2 months of ordering the items, they still had not arrived. I called XXXX and told them to cancel my order because it was taking too long and they said they would handle everything. Maybe a month later an item from XXXX was delivered to my front door, I did not accept the package and called XXXX to let them know. Maybe a month afterwards I start getting negative credit reporting on my credit for XXXX. I call XXXX and ask them why are they messing up my credit and putting false information there as my order had been canceled way before an item was ever shipped. I was advised by XXXX that they don't work directly with XXXX ( when indeed they do, XXXX called XXXX and worked with them over the phone to get me approved for the card ) and I needed to pay them. I then called XXXX on the 3-way with XXXX in which XXXX confirmed over the phone that they did open a XXXX account in my name and that the order was canceled and the money was already returned to XXXX. XXXX told XXXX that they did not return the full amount which is why I got negative marks on my credit and that they wouldve just closed the account. XXXX then sent me a check for the amount that XXXX said they owed in order to remedy the horror of errors on both company 's part. I then called XXXX and told them I had the check and needed to fix the problem. I spoke to a XXXX who spoke to his XXXX who allowed him to take the payment in which the account was to be closed and reported with no negative marks. Due to XXXX 's and XXXX 's errors made and resistance to fix the problem the arose for whatever reason, I can't apply for a new house, a new car, or anything without being punished for someone else 's mistakes.
Product: Debt collection

My husband and I purchased a XXXX in XXXX right after filling bankruptcy. The financial institution that financed the auto loan was Avid Acceptance out of Utah. We made every months payment on the vehicle for almost a year. My only brother was murdered in XXXX and I had to pay for his funeral costs etc. So the vehicle was repossessed and sold at auction for an undisclosed amount. I never received any documentation with the auction amount Avid Acceptance received for the vehicle. Avid Acceptance is currently on all XXXX credit bureaus for my husband and I. Avid Acceptance has applied numerous fees to the balance since XXXX. One charge that's applied every month since the vehicle was repossessed in XXXX includes {$540.00} dollars which was the vehicle payment. The vehicle was repossessed and sold at auction and even after they sold the vehicle, they continue to add a monthly charge of {$540.00} for non payment of auto loan. How can we still owe a monthly payment on a vehicle that was sold at auction in XXXX. The balance is almost {$30000.00} dollars because of these charges and fees. They have and continue to update every month to all XXXX major credit bureaus for my husband and I for the past 6 years. I have requested numerous times for documentation. I have disputed this item with each credit bureau each month, and without fail the item doesn't get removed and the balance continues to increase. Im not sure what to do at this point. I know by law the financial institution has to provide us with a letter of the amount the vehicle was sold for at auction and they didn't do that either. I hope someone can help us. Thank you for your time.
Product: Credit card or prepaid card

On XX/XX/2023 I initiated a consumer credit transaction with CITI/COSTCO using my credit card. A couple days later I received and adverse action letter that was unfavorable for me, the consumer, and received no benefit. I was uninformed about the use of credit and i was subjected to inaccurate and unfair credit card practices. Consumer reporting agency was used in whole or in part without respect of my right to privacy. I was unlawfully discriminated against while exercising, in good faith, my rights.
Product: Student loan

Navient told me was best to Consolidate my Loans without telling me that it was going to drop my credit score 30 points for consolidating loans thats been on my credit for over 10 years in this hurt me more than help me
Product: Credit reporting or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. 

As I know the creditor didn't notify me XXXX  days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I logged onto XXXX and filled out the COVID-19 request free weekly credit report page, as directed by the consumer.ftc.gov website. N
ot one of the 3 reporting companies, XXXX, TransUnion nor XXXX is able to supply me with the report online. 
The only option is to fill out a PDF form AND send copies of my personal information ( SSA card/Driver 's License ) etc through the mail. This is not secure, nor is it what is promised by the FTC. The FTC states that I can receive copies of my credit report ONLINE. I use a VPN, so I know the information sent/received online is secure.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. 
However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 
This issue appears consistent with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Mortgage

We had financed a Mortgage with Wells Fargo Mortgage unfortunately through our prior lender, through the assignment process, not our personal choice. 
During COVID our account was in forbearance as I lost my income. 
Each month our PMI was paid from escrow while in suspension, along with homeowners insurances. 
We eventually sold the home due to issues with Wells Fargo, it was most convenient for us not only be rid of them as a financed, but for us to continue to maintain the mortgage as well. 
We were quoted a payoff including XXXX and XXXX pmi amounts, which were taken from escrow on XXXX and then on XXXX Through the normal process. 
When the mortgage was paid off on XXXX, PMI was taken from escrow again and then again on XXXX from escrow after the loan was paid in full. This emptied our funds after being confirmed we would have a refund of at least {$280.00} which was in the escrow account. 
Next conversation was that these pmts in XX/XX/XXXX and XXXX were to pay the PMI for XXXX and XXXX as they are paid at the end of the month and the loan was paid in full on the same day they were paid. 
However, these 2 months were included in the payoff amount, which adds up to the detail payoff amount sent from Wells Fargo to me to provide to the title company as Wells Fargo would not release the info to them, as well as taken monthly thorough reoccurring escrow payments. 
I would like an explanation of their error and my refund processed ASAP.

It has been one thing after another with Wells Fargo this year and they continue to scam my funds for their own benefit.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the account : XXXX XXXX  Bankruptcy Case NumbeXXXX : XXXX
Product: Credit reporting

These inquiries below should be deleted asap. I have attached email proof I did n't request company submit my deal to all these banks. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX All Banks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices to each of the credit bureaus indicating that I was a victim of identity theft, and they have failed to correct the issues.
Product: Credit reporting or other personal consumer reports

I am filing this report with the CFPB to formally dispute several unauthorized accounts listed on my credit report. I am a victim of identity theft and request that these accounts be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( FCRA ) .According to this law, you are required to block fraudulent information on a consumer 's credit report within four ( 4 ) business days after receiving appropriate documentation. My personal information was exposed in the EQUIFAX DATA BREACH. PLEASE REFER TO THE EQUIFAX DATA BREACH SETTLEMENT REFERENCE NUMBER TO VERIFY MY VICTIMIZATION specifically 15 USC 16821c-2 ( a ). I am entitled to request that my accounts be blocked and deleted due to the unauthorized access to m personal information. The breach has compromised my data and I am concerned about the identity theft and misuse of my information. Please find my details below for your reference. Full Name : XXXX XXXX Social Security Number : SS # XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX XXXX XXXX  XXXX. I kindly request that you take immediate action to block and delete all accounts that have been compromised as a result of this data breach. Additional, please provide me with written confirmation once this has been completed. If you require any further information or documentation to process my request, please do not hesitate to contact me at the phone number or email address listed above. Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Consumer Loan

I get calls a number of times a day on my cellphone ( XXXX XXXX to collect a debt from Kia Motors Financial ( XXXX ). Neither I nor anyone else in my house own a Kia vehicle. Neither I nor anyone else in my house have a loan with Kia Motors Financial. The person they are seeking collection from is not myself or anyone in my house. I have told the reps a number of times and they tell there is nothing they can do and they can not change the telephone on file until the loan holder contacts them and instructs them to do so.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX  # XXXX BALANCE {$1500.00} Account Name : XXXXXXXX XXXX XXXX XXXX BALANCE {$1100.00} Account Name : XXXX CARD # XXXX BALANCE {$5500.00} Account Name : XXXX XXXX  # XXXX BALANCE {$20000.00} Account Name : XXXX XXXX # XXXX BALANCE {$3600.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} Account Name : XXXX XXXX XXXX XXXX # XXXX BALANCE {$4600.00}
Product: Vehicle loan or lease

I filed a complaint but that was with a XXXX XXXX XXXX that was resolved for Americredit/GM financial Acct # XXXX as resolved. The XXXX XXXX XXXX  is a debt over 22 years old. 

According to the response from GM financial On XX/XX/XXXX, you signed a New Jersey Retail Installment Contract ( Contract ) associated with account number XXXX, for a XXXX XXXX XXXX with VIN # XXXX in the amount of {$21000.00} at an Annual Percentage Rate ( APR ) of 19.00 %. The terms agreed to state the account would be paid in 60 monthly installments in the amount of {$560.00}, beginning on XX/XX/XXXX. The account is active with a current deficiency balance of {$11000.00}. 

This states that GM Financial waited 20 years to receive the first payment of XXXX on a 60 month loan on XX/XX/XXXX, and i know longer had the vehicle by then. 

They are now trying to garnish my wages for {$20000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX.I disputed the debt they claim I owe them online and I recently wrote their company, I informed them that my proper name is XXXX XXXX XXXX, not XXXX XXXX XXXX All Capital letters, I reserved my rights with them using UCC 1-308, I never used the card when I received it, I don't remember my wet signature on any of their documents, XXXX  never loaned me any money or legal tender, I didn't authorize XXXX to access my credit report, I don't understand how I'm liable for any debt with XXXX. Under the law, only Congress can issue legal tender, and HJR 192 relieved me from debt, since it's public.
Product: Debt collection

They're calling saying my XXXX year old son, owes a debt to some gym.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt of {$860.00} with XXXX XXXX XXXX Account # XXXX I do not have a contract with XXXX XXXX XXXX, they did not provided me with the original contract with as I requested my wet signature and ID verification.