23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Two fraudulent balance transfers totalling {$12000.00} were made to my USAA Federal Savings Bank VISA card on XX/XX/XXXX. These were transferred from two different XXXX cards. I do not own a XXXX card. I discovered this fraud on XX/XX/XXXX as I was paying bills. I contacted USAA immediately. The person with whom I spoke was very nice. She took down all the information and assured me it would be taken care of. 

On XX/XX/XXXX a man who said he was with USAA called my husband on his old cell phone. My husband could not hear very well in part because he was in a noisy waiting room at XXXX XXXX XXXX XXXX. I was in XXXX at the time of the call and could not help him. We really do not know what was said during that call. We do know that USAA cancelled that credit card. They then increased our credit limit to $ XXXX.They also sent us two new credit cards which we have not activated. They also billed us for over {$12000.00}. I paid the legitimate charges. 

After I returned home from a second emergency hospitalization in XXXX, AL, where I live, I contacted USAA FSB again about removing the {$12000.00} from our account. This time the man with whom I spoke was extremely rude and hateful and claimed that he had proof that I had called USAA and requested this. I had not called USAA for this purpose. After a couple of days we called again. This time I spoke with a female supervisor who was very polite. I thought she said she would handle this. I told her I would wait until the following Friday for her to fix this. She has not done so but I have been billed again for the {$12000.00}. 

I have since filed a police report here in XXXX AL. They told me to contact the FTC about identity theft. We did that and the sent us to CFPB.
Product: Payday loan, title loan, or personal loan

Received a letter from KeyBank letting me know that my XXXX or overdraft line was being closed because of ownership difference between my checking account tied to the Overdraft line. Line has been in effect since XX/XX/XXXX pre-marriage as a sole acct. I added my husband to my checking account two years ago. Received the letter in XX/XX/XXXX. Went into the bank to open a second checking account only in my name to then tie the overdraft line to solve the ownership difference issue. I opened the checking account and then was later told that the existing XXXX overdraft lines are a product going away and wo n't be replace. So the letter misled me to believe that ownership of the line and checking acct was the reason for the closing of the line but that was a lie. Then the RM has me reapply for a preferred line of credit to be tied to my checking acct. Note this product is more expensive that the previous overdraft line I had which was closed because the bank discontinued the product. Completely deceptive sales tactics and should be reprimanded. Unethical by drawing in clients by closing lower cost products and then telling them to apply for a higher cost product.
Product: Vehicle loan or lease

The accident occured on XXXX XXXX the GAP insurance claims they do not cover this vehicle but wrote the original policy. It is with credit acceptance. No XXXX  XXXX XXXX comes with passenger seats.
Product: Credit reporting or other personal consumer reports

Hello, I have written Transunion several times stating I have Inquiries on my credit report that are fraudulent or identity theft for I never gave permission for these companies to run my credit report. Transunion writes back letting me know to validate my identity even after I send them plenty of proof as I will again today attached. Please inform them of my issue below. 

RE : INQUIRY REMOVAL While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not authorize anyone employed by these companies to make any injury and view my credit report. In addition, i did not give Transunion permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 

I also demand you, Transunion to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised inwhich resulted in unknown and unauthorized accounts reporting on my credit file inwhich I have no knowledge of, therefore I'm demanding that these accounts be blocked and removed immediately from my credit file, if not then the 3 major reporting agencies shall show just cause via a Method of Verification and if this can not be honored then the following accounts shall be removed. 

1 ) XXXX  XXXX XXXX 2 ) XXXX XXXX {$710.00} 3 ) XXXX XXXX {$580.00} 4 ) XXXX XXXX XXXX {$540.00} 5 ) XXXX XXXX XXXX {$530.00} 6 ) XXXX XXXX XXXX {$270.00}
Product: Student loan

On XX/XX/2020 I tried get an electronic copy of my statement from University Accounting Services via the number provided on my account. XXXX They stated that is was not possible even though I require it for a student loan refinance application. I asked to speak to a supervisor and the supervisor would not speak with me. They stated that could print the statement and have it mailed to me within 10 days which is beyond the date of the refinance application deadline. I can't understand why the statement can be printed but can not be e-mailed? I also have no access to any previous statements from the entirety of the loan for verification. Denying me access to my statements and not taking my concerns seems very concerning.
Product: Debt collection

I recently obtained a copy of my credit report and saw AFNI reporting a debt that I never had that originally came from XXXX XXXX XXXX XXXX. I requested validation of debt on XX/XX/XXXX and was received by AFNI on XX/XX/XXXX. Prior to requesting validation I had never received a bill or a notice of non payment. On XX/XX/XXXX I received a collection notice from AFNI and on XX/XX/XXXX they sent me a letter stating it would take up to 90 days to complete. This is an abuse of power as the collection notice dated XX/XX/XXXX says 30 days after receiving the letter they will assume the debt is valid. I have not received validation or any other information. I have never used XXXX XXXX XXXX XXXX and would like to get to the bottom of this.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the following accounts has violated my rights : XXXX XXXX XXXX XXXX XXXX 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: Debt collection

QWR and DVR to XXXX XXXX XXXX XXXX XXXX [ now part of XXXX XXXX XXXX meged with NewRez LLC ) re undated newly produced Allonge to her Promissory Note. 
On XX/XX/XXXX XXXX XXXX XXXX lawyer XXXX XXXX sent XXXX her non-endorced Note and two standing alone Allonges. 
One Allonge was dated XX/XX/XXXX, allegedly from XXXXXXXX XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX ( Caliber ) prepared allegedly by XXXX XXXX XXXX XXXX. 
XXXX XXXX ( which appeared for first time from XXXX ) is undated, and prepared allegedly by XXXX post closing XXXX XXXX XXXX. 
According to this XXXX, the payee is XXXX while other parties demand payments from XXXX acting under glimpse of XXXX. 
XXXX demands disclosures and verification. 
Caliber must state when this Allonge was created and provide the actual date and office location where this Allonge was created. 
Caliber must disclose the full name of the Seller of XXXX XXXX, when and where this XXXX was sold, who was the buyer and proof of payment of this loan such as copies of wire transfer receipt, ACH or cancelled check. Please state names of each individuals for the seller and buyer who were involved in this transaction. 
Please disclose if this loan was recorded as an asset on Calibers books and records after this purchase and provide me copies of these records ledger of account receivable where my Note is recorded as an asset. 
Please confirm that Caliber is the current owner of my alleged obligation ; and warrantees of this ownership from an authorized individual officer of Caliber. 
Please provide the name of custodian of my original Note and the place where this Note and my Mortgage are currently located. 
Please make sure that all responses are wet-ink signed by an officer who is responsible for Calibers accounting or bookkeeping. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion will not provide information unless you pay for their service. When attempting to view my free credit report on their site, I only get routed to a unable to complete your request message on EVERY option they offer. Can not view, print, or access my score or report. Can not submit a dispute to something reported on my TransUnion credit report ( as reported by other agencies ). Ive tried multiple times, various days, different times of the day, requested help or sent email requests for help. Ive gotten no reply. The only working area on their site is the one where you can enter your payment info to purchase these reports that should be free.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Consumer Number : XXXX Unfortunately, my information has appeared in a data breach and I have noticed an account open on my consumer report at this account does not belong to me. I would like for you to be removed immediately. Also per FCRA 605b and 15 usc1681 this company must remove these late payments from my consumer report.. XXXX XXXX  Account Number XXXX Date opened XX/XX/XXXX Late payments XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I demand that this account ( XXXX XXXX XXXX Account Number XXXX ) be removed within four business days as permitted by federal law The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report. credit or insurance to be used primarily for personal, family, or household purposes ; employment purposes ; or any other purpose authorized under Section 604 ( 15 U.S.C. 1681b ). Per the FCRA as a federally protected consumer I now opt out of all authorization i the consumer may have given written unwritten verbal and non verbal as it relates to this specified information. This account is also being reported as an Original lender / Original Creditor Which is false misleading and illegal as I have ever done any business with portfolio recovery associates
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple multiple accounts on my credit report that are not mine I have tried going thru the ftc systema writing to the bureuas calling them going thru the furnishers and calling them and nothing is breing done this is criminal to have these items on my account when they dont belong to me!!!!! 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : US DEPT OF ED/XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : U S DEPT OF ED/XXXX/XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit report. Also, My information might have been impacted by the XXXX data breach and may have got into the hands of the wrong person. Also, in accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( THESE ACCOUNTS 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.

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: Student loan

My student loan account was transferred to a higher education government student loan official at which Wells Fargo has yet to provide the credit bureaus with accurate information regarding said loan. These accounts with Wells Fargo were close in XX/XX/XXXX since then the accounts were brought current and have been paid off since XX/XX/XXXX from here I first reached down. To get this corrected in XX/XX/XXXX at which point I was told XXXX XXXX XXXX through the government would needed to be contact to get the issue resolved I have reached out to them and again was told that Wells Fargo needed to correct the situation. I again try contacting Wells Fargo in XX/XX/XXXX and they stated the same thing the higher education services would have to take care of the reporting to the beauers. Government officials have the current loan payments and payoff information reported correctly on their side. I've disputed these accounts multiple times with no luck and getting it resolved so in XX/XX/XXXX I began to research XXXX XXXX XXXX could you help me correct my credit reports the fees associated with the law firm Are {$110.00} a month until credit report are up-to-date into my satisfactory they have no way of knowing exactly how much it will end up costing as it is a month to month fee with this being said I again reached out to Wells Fargo on XX/XX/XXXX and again explain the situation and they Place nothing but blame on the most recent agency that held the accounts for my higher education! It is very clear on my reports to whom is at fault on these loan documents. I would like some serious investigation done without having to cost me any additional fees or headache
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover 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

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX  Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX
Product: Mortgage

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX cell XXXX work RE : XXXX XXXX XXXX XXXX File Number : XXXX I am requesting that the above matter be looked into. As of XX/XX/XXXX the above loan was paid off in the amount of {$47000.00} The above credit line mortgage was taken out in XXXX of XXXX with Countrywide Mortgage, at that time we only used {$17000.00} of a {$40000.00} credit line mortgage. Due to the recession in XXXX I did not pay the credit line mortgage and in XXXX was advised I could no longer access the account. 
We filed bankruptcy in XXXX and eventually were able to modify our first mortgage with Countrywide which at that time was taken over by Bank of America and the credit line mortgage we did not hear anything about. 
In XXXX the credit line mortgage was sold to XXXX which became XXXX which is now New Rez Financial which in XXXX the loan was sold to XXXX XXXX XXXX. We only know this after contacting each of these companies to find out how much interest was accrued on this loan as we paid {$47000.00} to XXXX XXXX XXXX to pay this loan when we sold our home last year. I was also advised from each lender that when the loan was transferred so are all of the records on the loan. 
Through all the years we never received anything except one letter from XXXX XXXX that took over the loan but no statements or anything. 
I contacted XXXX XXXX XXXX several times in the past week to find out how much interest we paid on this loan and was advised no interest was paid. 
That can not be possible as there is not XXXX lender that does not charge interest on any loan that is taken out and also we would like to see proof of how much of the equity line was accessed since we only accessed {$17000.00} of {$40000.00} and no one can tell me that either. 
I am filing this complaint today because not one of these lenders can provide me with any information on this other than that it was transferred to this lender and they would have the records and I hear the same from each lender I contact regarding this matter I believe that none of the above lenders have my original documents which is very troubling. As an end note I am wondering what happened to the XXXX XXXX dollar escrow fund set up to assist borrowers who took out equity line of credit mortgages with XXXX XXXX XXXX during the banking collapse. 
Thank you for cooperation and courtesies in helping us with this matter. 
Please contact me if you need any further information regarding this matter either by phone XXXX to XXXX at XXXX or after XXXX XXXX at XXXX or by email XXXX XXXX
Product: Debt collection

I have already disputed the initial letter that I received from this debt collector thru on the phone and with certified mail. Please STOP sending me repetitive letters to collect debt over and over. I have a lot of pain and suffering already since last year I had been scammed big-time. The detective 's name that handling my fraud case on XXXX XXXX, XXXX from the XXXX XXXX Police Station in California : Detective XXXX XXXX. Direct telephone number : ( XXXX ) XXXX. The Police Report Number : XXXX. 

Then, the FBI XXXX XXXX is taking the lead of my case as of XX/XX/XXXX up to the present time. One of the FBI Special Agents called me on the phone and interviewed me for about XXXX hour and XXXX minutes. 

Please see attachments as evidence. 

If you need any more evidence from me that I got scammed big time, please let me know or feel free to reach out with the XXXX in XXXX XXXX, California whose handling my fraud case currently. 

Thank you very much for your understanding and consideration, XXXX XXXX