23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2022 I was robbed of my phone and assaulted and had {$4000.00} extracted from my checking account. I immediately reported the situation to the police and contacted USAA to close my accounts. Per USAA protocol my {$3000.00} of my money was restored but after a week or so USAA decided my case did not look like fraud and decided to take my money back. I submitted the attached police report multiple times to USAA but keep receiving a response of " this doesn't look like fraud to us ''. I've asked multiple times to speak with the people who make the decision to deny cases and even to just find out what they're denying it for. Out of multiple requests I only received one callback, which happened while I was at work, and before I could return the call ( for which they only provided the general customer service line ) they closed my case again. This has been going on a year now and USAA has done nothing but ignore my requests and provide me shady responses to why they don't think my situation, with a detailed police report, is fraudulent. I do not think USAA is making good on their commitment to their members and feel now is the time to escalate.
Product: Credit reporting or other personal consumer reports

" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit "
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws I am writing to address blatant violations regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouri identity theft laws, specifically Missouri Revised Statutes Chapter 570, Section 570.223. 

It has unequivocally come to my attention that ( company name ) has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law, specifically Section 570.223 of the Missouri Revised Statutes, underscores the severity of unauthorized access and misuse of personal information. This statute addresses identity theft and fraud, making it clear that unauthorized use of someone's personal information is illegal and subject to severe penalties. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 570.223 of the Missouri Revised Statutes. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion fails to send me a copy of my credit report.

Claims the address change I have 2 other addresses as mailing my mail including a post office address is in which is legal address.

Transunion sent me this form to pay them by credit card {$9.00} Transunion should be stop trying to get money out of consumers by them being ones using deceit and bad practices at consumers and false gathering of errors of consumers.

Transunion has fraudlent information and incorrect information gather on my credit file as wrong information to address and data breach info.

I have also file a complaint with the US Attorney on Transunion Credit practice for money for incomplete reports.

Transunion likes to mail incomplete reports and play games with there incorrect info and data breach by of companies.

I went threw this before with Transunion an there issues and gather wrong information.
Product: Student loan

I have multiple loans through Navient and at some point XXXX XXXX. One of my Navient loans was placed into FORBEARANCE on XX/XX/XXXX. Since obtaining my first federal loan I have been in and out of college and in-between multiple jobs. Navient, XXXX XXXX, and Pioneer have all hounded me in regards to my loans ( by phone and mail ). During the time my navient loan was placed in forbearance I was not employed, living with my dad, and had XXXX income. I distinctively remember telling the woman from navient or XXXX XXXX that I had no way of paying and I did n't know what else to do. She stated forbearance was my only option. I told her I needed to think about it and I 'd call her back. She called ME back three times and on the third time I accepted forbearance. Every time I would talk to someone regarding these loans ( when I had missed payments/on the brink of defaulting ) I was always left clueless and helpless. On numerous occasions I explained I was unemployed with zero income and they 'd offer me some confusing deal ... never once suggestion an income-based repayment plan. It got to the point where I ignored their calls..they were no help. All my loans have defaulted at some point. XXXX/navient, at one point was calling me 2-3 times a day and my family members, even after I told them I had no money to pay and stop calling. All of this took place years ago between XX/XX/XXXX and XX/XX/XXXX, according to www.nslds.ed.gov. I do not know all the information regarding my loans but I believe my loans have been consolidated. I attempted to obtain more information from Navient but their website is n't responding and I am unable to get through on phone. Once again, my loan is on the verge of default. Feel free to contact me for more information. Thanks
Product: Credit card

I received a letter from DISCOVER XXXX XXXX XXXX, XXXX XXXX, OH XXXX. 
Dated on XXXX XXXX. 
Stating the following : " We have closed the account reference above because we were unable to verify Personal information on your account. We will report to the credit bureaus that the account was closed by creditor ''. 
I called DISCOVER on XXXX XXXX I was transferred to 7 different customers service Reps. ending up with the higher lever Management on the phone. 
I found this action very awkward since I have been using this card since XXXX. 
They said they have been sending me emails requiring my identity by providing my signature. These emails went to my Junk folder since they looked suspicious to me, I was afraid of being scammed or my personal information being stolen. I have been making my regular monthly payments on time. 
Since I didn't respond to this procedure they sent me a physical letter stating the account is closed. They failed any other forms of communication to inform me like a simple curtesy letter making me aware that they were tried to reach out to me so they made the detrimental decision to not only close my account and good standard, but ruined my credit score. The only solution that this Management provided was that I have to apply for new car again.
Product: Mortgage

this took place around XXXX XXXX XXXX I will find exact dates as we proceed further if need be. Recently i was struggling to make my mortgage payment after a Cash out REFI and then due to the unforeseen circumstances with XXXX and work related injury. 
I was told the few options I had to keep current standing with my mortgage, as I had paid my mortgage on time with no late fees for XXXXXXXX XXXX Intercap lending Offred me the forbearance program and it seemed like it would help me at the time. Shortly after that first payment modification I suffered a work related injury at my job with XXXX XXXX XXXX XXXX. i was told the forbearance had gone away and i could do a loan modification. 
I specifically asked them what it would intel. They advised me i needed to be XXXXXXXX XXXX late on my mortgage and then the option to reduce my monthly payment would go in effect. 
I aske d them if this would hurt my credit that i worked for so many years to get established with good credit!, they advised it does nit effect your credit score and will not show up as a late if your in the modification and resume normal payments when its over. 
Long story short it showed up as Late payments on my credit report which destroyed my credit! and my house payment went from a XXXX XXXX term toa XXXX XXXX  term and higher payment. I'm tapped out now with options to lower my mortgage and get better rates. 
I believe they were dishonest in there doings and when i confronted the manger in that department, he stated '' rules Changed " during your modification. 
i was speechless!!!
Product: Credit reporting or other personal consumer reports

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also XXXX, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request To Whom It May Concern, I am a XXXX XXXX XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXXXXXX XXXX XXXXXXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Checking or savings account

On XX/XX/2023 I did an online transfer of {$200.00} from my personal checking account to my business checking account. This was to cover a {$200.00} payment that was going to cause NSF. Wells Fargo didn't do the transfer until XXXX and hit me with two {$35.00} Overdraft Fees totaling {$70.00}. The local branch Mgr admitted the transfer should've gone through first, but their policy is they can only credit back half of the Overdraft Fee. I was credited back half, which totaled {$35.00}. I've been told that they give at least XXXX for customers to put funds into their deficient accounts before they charge Overdraft Fees, but they keep charging me XXXX later. I was notified by XXXX of a {$5.00} charge on XX/XX/2023 XXXX and Wells Fargo charged me {$35.00} Overdraft Fee XX/XX/2023 XXXX from their email.
Product: Debt collection

I recently checked my credit and discovered that this account had been reported. I did not receive notification that I even owed this debt. My rights were violated and I was not information according to statue 15 USC 1692g 809 ( b ) which states : ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector
Product: Credit reporting or other personal consumer reports

XXXX is reporting a delay on my credit, which is not true. 

XXXX was called and spoke with XXXX XXXX. 

We complied with the agreement completely and a delay that they are placing on my credit is not true because where we make payments was closed due to no electricity. 

I am a XXXX person and I am demanding that you correct my credit with this XXXX XXXX XXXX Transunion he is discriminating against me for being from XXXX XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to AGGRAVATED IDENTITY THEFT pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on DATE without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( " FCRA '' ) codified at 15 U.S.C. 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. XXXX ) I have not initiated any transaction with 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 XXXX XXXX Furthermore, i do not have an " account '' as defined under 15 U.S.C. 1693a ( 2 ) with COMPANIES listed above for review or collection.

Pursuant to 15 U.S.C 1681n ( a ) " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. '' By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are far greater than {$1000.00}. 
Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not apply for credit or authorize these companies to pull my credit report. 


XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX
Product: Credit reporting or other personal consumer reports

I recently review a copy of my personal credit report and notice a few fraudulent accounts on my report. I would like to have these accounts remove from my reports as they are hurting my ability to obtain credit.
Product: Checking or savings account

I made a deposit in to my account and chase said that the issuer has to verify check which they did and now they are holding my money for 3 months already and they wouldnt even give it back to the issuer
Product: Credit card

My card is over the limit since I went through identity theft. Citi bank claims they sent out mail multiple times to clarify the fraud so I can make a payment or check to see what charges are fraudulent but the four addresses they have sent it too, the mail never comes.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XXXX XXXX XXXX I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to sees Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I he me demand the following accounts be verified or removed immediately. 

XXXX XXXX  Account number XXXX Unverified account XXXX XXXX XXXX XXXX  Account number XXXX Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

To ordinary persons, a bankruptcy discharge is commonly known as " a court order issued at the end of Chapter XXXX or Chapter XXXX case that relieves a debtor from their obligation to pay a debt. '' Nothing in Bankruptcy Court Case No. XXXX, even remotely suggests a bankruptcy discharge happened in that case. The only response XXXX has provided is " a bankruptcy discharge remains on the credit report for up to ten years '' per the companies policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I reviewed my consumer report and noticed inaccurate personal information reporting. I contacted Trans Union via certified mail including verifying documents to update my report with accurate information. On XX/XX/XXXX I received a copy of my attached report, reflecting the same initial information with no changes to my report. 

Report Number : XXXX Certified Mail Receipt Number : XXXX
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL THINGS ON MY ACCOUNT THAT I DID NOT AUTHORIZE AND I HAVE NEVER DONE BUSINESS WITH THESE SAID COMPANIES. I CONTACTED XXXX XXXX WHEN I SEEN THESE TRANSACTIONS ON MY STATEMENTS AND THEY DID NOTHING FOR ME. I REPORTED FRAUD TO THEM BUT I NEVER RECIEVED THE CREDIT ON THEM. I WILL LIST ALL CHARGES ; XX/XX/XXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX  XXXX XXXX XXXX-XXXX ALL ON XXXX XXXX OLD NUMBER XXXX NEW XXXX XXXX NUMBER-XXXX PLEASE HELP ME GET MY MONEY BACK. IM A SENIOR CITIZEN AND THIS IS SENIOR CITIZEN ABUSE.
Product: Credit reporting or other personal consumer reports

I request that you take immediate action to investigate this matter and remove any other inaccuracies from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed fraudulent activity. Please remove all fraudulent activity off my report as it is hurting my ability to obtain credit. Thank you
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card

Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments.
Product: Bank account or service

someone transferred money from our savings account into our checking account and then used our debit card at a XXXX XXXX in colorado {$770.00}. Comerica 's fraud department contacted us 1 hour after the fraudulent transaction occured to notify us. The fraud department submitted our claim for the money to be reimbursed to us. We had to take our computers to XXXX XXXX to get cleaned. We received a letter from Comerica where they state they are denying the reimbursement of the stolen money to our account.
Product: Credit reporting or other personal consumer reports

Requests sent to update my personal information and my address with all XXXX credit bureaus and as of Today XX/XX/23 Equifax and XXXX have not corrected the information on my report. I also filed a requests for them to remove Accounts off of my report with XXXX and Equifax and XXXX the last one was sent back in XXXX. As of today they have not removed the requested Items. I am attaching a copy of the letters I sent to them with the requested Items and the rules supporting my request and all the supporting documentation that has been sent to them on XXXX different occasion. 

I would like to thank you in advance for your time and assistance with this matter.
Product: Mortgage

Mr. Cooper mortgagee co just purchased my mortgagee from Seterus. This happened just a few months ago. 
This months statement XX/XX/19 states thy are going to charge me fort hazard insurance. 
The is around {$1300.00}. requiring my escrow payment each moth to be increased. 
They did this while knowing that. I had insurance that I purchased ( by me ) and had been paying for the last 20 years, when with Seterus. The even had it noted on my account tat I had insurance from XXXX XXXX XXXX. 
So they were going to bill me for additional ins that was not necessary. 
I want the world to know how they rip off customers. 
They say will correct it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX M XXXX
Product: Debt collection

XXXX  and Equifax are reporting a child support debt office of Atty gen XX/XX/2021{$24000.00}