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

XX/XX/XXXX {$4900.00}, XX/XX/XXXX {$4900.00}, XX/XX/XXXX {$4900.00} Above are fraudulent check amounts that were deposited into my daughter 's USAA account at a branch in XXXX, Ga that I wasn't even aware that existed ( I was a member for 17 years prior to incident ) and withdrawn from several super XXXX XXXX in another area, which all locations are an hour or more away from where we lived. My daughter was XXXX/XXXX years old at the time of the incident, but due to the account not being mine the police department in our area said that she was the only one that could file the police report for identity theft. So I then had her file the report and then I drove to XXXX were we submitted the report at the above branch through their web center. I continued to request for the incident to be investigated, but was told by several different Reps that they will not be doing an investigation, because my daughter was still at fault for not properly securing her card and security questions and/or answers that she had written down, which was a newly activated card that I had just given to her the week prior to her school going on XXXX break. I was unaware of any of these activities until a week after the checks were deposited and monies withdrawn is when I received a call by a Rep from USAA. I immediately took action, but USAA kept giving me the run around, I then asked to speak with a supervisor and was told that I was not allowed to because no matter how I looked at it I was still responsible. Almost a year or 2 later I was then notified by XXXX  XXXX XXXX  that the monies owed from the fraudulent activity was reported onto MY personal consumer report and that I will not be able to get another bank account anywhere for 5 years. USAA had already closed her account and took any and all funds from MY account ( s ) that my social was attached to. Which forced me to take my name off of my son 's account so that it wouldn't affect him as well. I continued to keep my account with USAA up until either the beginning of XXXX or end of XXXX when USAA decided to change my account from checking to deposit ONLY then shortly after closed the account all together.
Product: Student loan

I spoke to Private loan about the amount around on the month of XX/XX/2023 and I was inform that I have only government loan which total to 5 loans. On XX/XX/2023 about the private loan amount showing on the account that was not showing prior to XX/XX/2023.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Debt collection

After paying timely on all payments I became permanently XXXX in a few years of owning the car. I knew I had XXXX insurance on the car or else I would have never bought it. I paid extra for that insurance. Instead they denied it... but fired the salesman who was caught frauding the customers. They had my car towed and gave me no paperwork of where my car was going or an Auction date. Plus, they know I have XXXX and my son is joint on my bank account. They have been stealing his money now for two years. After he deposits his state check for taking care of me they swipe it.
Product: Credit reporting or other personal consumer reports

Formal Dispute of XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) under FCRA & FDCPA To Whom It May Concern, I am writing to dispute the inaccurate reporting of the XXXX XXXX  account ( # XXXX ) on my credit report. This account was previously removed from my XXXX report, indicating it was either inaccurate, unverifiable, or unsubstantiated. However, it continues to be reported by your bureau, in potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Legal Grounds for Dispute : FCRA 611 ( 15 U.S.C. 1681i ) Right to Dispute Inaccurate Information Under this law, I formally request an investigation into the accuracy, completeness, and verifiability of this account. 
If XXXX XXXX can not verify the legitimacy and accuracy of the account within 30 days, it must be deleted from my report.

FCRA 609 ( 15 U.S.C. 1681g ) Right to Obtain Verification I demand a full verification of this account, including : A signed contract or agreement proving my obligation to XXXX XXXX. 
A detailed payment history showing how this alleged debt was calculated. 
Proof that XXXX XXXX has the legal authority to report this account. 
FCRA 623 ( 15 U.S.C. 1681s-2 ) Duty of Furnishers to Provide Accurate Information If XXXX XXXX  is furnishing inaccurate or unverified information, it is required by law to correct or delete the account. 
Continued reporting of inaccurate, outdated, or unverifiable information may result in legal action.

FDCPA 807 ( 15 U.S.C. 1692e ) Prohibition of False or Misleading Representations If XXXX XXXX can not prove the validity of this debt, continued reporting may constitute fraudulent representation, subject to penalties. 
Requested Action : Immediately remove the XXXX XXXX account ( # XXXX ) from my credit report. 
Provide a written response confirming the deletion or the results of your investigation within 30 days, as required by law.
Product: Credit card

Someone used my identity to apply for credit cards : 1. Discover - opened XX/XX/year> XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My loan service company XXXX XXXX in XXXX advised me via email, they were transferring my loan service to another company. 
I waited for who to pay my XXXX payment. I paid XXXX XXXX XXXX in XXXX on time. I received no notification of who I should pay. I emailed XXXX XXXX XXXX and they told me via email to pay XXXX XXXX as they are now my loan servicing company. 

Shellpoint claimed in XXXX they are the loan servicing company. Shellpoint said they sent me a welcome letter which I never received. If I would have received the letter I would not have emailed XXXX to find out who I should pay for the XXXX payment. 

I advised Shellpoint in XXXX that I paid XXXX XXXX as instructed by XXXX XXXX XXXX. XXXX took 2 months to verify that I paid XXXX XXXX and on XX/XX/XXXX they received the payment from XXXX XXXX. 

My complaint I asked Shellpoint to send me the welcome letter or any letter stating they are the loan servicing company. Shellpoint never sent the Welcome letter I requested. They also never showed me that they sent any letter to XXXX XXXX XXXX stating they are loan servicing company for my loan and to rectify their error. XXXX never notified me that Shellpoint is my loan servicing company. 

Shellpoint severly damaged my credit report by not taking immediate action to verify that I did pay XXXX payment as stated in the XXXX loan email. 

I tried to call Shellpoint loan servicing all they said they don't take calls. Their customer service advice I should send them all three credit reporting agency my credit reports. Shellpoint has that credit information. Shellpoint was trying to get to accept their interpretation of ruining my credit by not talking to me. 

Shellpoint has the community loan email instructing my payment be made to XXXX XXXX, my canceled check to XXXX XXXX, but what I do not have from Shellpoint any official notification that XXXX transferred the loan to Shellpoint. I know Shellpoint did not contact XXXX nor did they send me an official notification. Shellpoint should have reached out to XXXX XXXX that they gave XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX gave me the wrong loan servicing company. 

I do know that Shellpoint is now acting as my loan servicing company with no proof from XXXX that my loan was transferred to Shellpoint not XXXX XXXX as told to me by XXXX XXXX XXXX. 

I spent 7 years a perfect on time payment record with XXXX. I built my credit score to XXXX. Shellpoint erroneous notified the credit bureau of late payments and my score dropped to XXXX. I can not get loan for my sons school or even any type of loan with that score. There were very serious damages to me, by Shellpoint destroying my credit.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. The following accounts are in litigation. Under current codes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need this accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items 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: Checking or savings account

The account is permanently restricted according to a message in the app. It has an account balance and recent deposit {$2400.00}. I received cyber bullying messages. My account and SS # has been accessed fraudulent. I'm patronized by the representative s I speak with XXXX. It's a Capital One debit MasterCard 360. I have XXXX credit cards with Capital One.
Product: Credit reporting or other personal consumer reports

I am making writing this with proof that on my credit report I should be notified about anything added to my credit report I have looked and went back to dates on my phone and found no contact from them need less to say they did the exact opposite that is in black and white on my Experian app there for all of the inquiries are to be removed they did not contact me by phone as noted and or email I would like them removed ASAP thank you
Product: Student loan

I qualify for PSLF and the student loan servicer is Mohela. I waived my in school status and it was to be back dated from XXXX of 2020. This document shows as approved with Mohela. They updated my payment counts and loans 3, 4, and 5 are only showing 2 payments. I called MOHELA to get this corrected as they should be showing payments of around 30 for loan 3, 24 for loan 4 and 12 for loan 5. After being out put on hold several times, the individual confirmed with me that they will resend my payments through to get corrected and it should take 2-3 buisness days. This was on the XXXX XXXX  XXXX that I called and my payment counts still have not been updated.
Product: Debt collection

A company called unifund bought my very old account. They also hired an attorney to sue me for my very old CC or loan .... I really don't know what this account about. It's so old I tried calling three people that I thought were the original creditors because that's what their attorneys told me and they can't find it cuz the account is so old Plus, can't find any information on it. 
They went to court to freeze my bank account XXXX XXXX & got {$3500.00}. 
I'm in the middle of going to court for the debt. It was from XXXX. Is now XX/XX/XXXX a judgment was put in XXXX. 
They tried to collect in XXXX from my old job. XXXX in XXXX. 
I didn't get any notice, I don't recall owning this account. They went with the legal proceedings in XX/XX/XXXX. 
I wasn't notified until XX/XX/XXXX ... when I was sent a letter ( after the fact ). I believe the statute of limitations is up I do not recall this account. I asked them for a verification letter on XX/XX/XXXX. 
I thought they were supposed to give it to me within 5 days? I still have not received it.
Product: Bank account or service

I was charged for XXXX overdraft fees for items that were not time stamped and happened to be transactions that could be charged a fee. I deposited a check via the mobile app for {$27.00} on Saturday, XX/XX/XXXX of which {$0.00} was made available ; but would be available to cover items on XX/XX/2017. Over the weekend all the transactions for debit card transactions were posted to my account along with a withdrawal that I made at an ATM for {$100.00}. Per the account statement I had an available balance to cover the {$100.00} withdrawal, but Bank of America charged me a fee. Additionally, the items that posted that were debit card transactions were not charged a fee because I do not have overdraft protection and those transactions are not allowed to incur fees per regulations. The fees that were allowed, according to Bank of America, were not " time stamped '' so that bank posted them last and charged me {$35.00} per transaction because this was a withdrawal from my account. Again, I have opted out of overdraft protection, so those transactions should have not been paid. Also, I was charged {$35.00} even though those transactions occurred prior to many other of the transactions that have already posted. The fees were incorrectly added to my account. I contacted Bank of America to explain the situation and they would not reverse any of the fees. The only fees they charged to my account were the ones they could and they did. Bank of America would not provide me with any information about when the items posted and why that these three specific transactions ( which one was an ATM withdrawal ; I would think it has a time and date when it was withdrawn ) were not time stamped and caused the account to be accessed three late fees. I wanted to clear up the balance issue right away, but was unable to because of these incorrectly assessed fees. I wonder how many other customers are getting fees charged by Bank of America because transactions are not " time stamped '' which causes an inaccurate posting of the transactions which then causes a fee to be assessed? I know in my case I was charged three fees due to inaccurate posting of the transactions, which happened to be the transactions that Bank of America can assess fees on.
Product: Credit reporting or other personal consumer reports

Immediate Deletion of Unauthorized Accounts and Inquiries Pursuant to FCRA Section 604 To Whom It May Concern, I am demanding the immediate deletion of the following accounts from my credit file, as they were obtained and/or reported without permissible purpose under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681b ] : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 604 of the FCRA explicitly prohibits a consumer reporting agency from furnishing a consumer report unless specific, legally permissible purposes are met. These accounts do not have my authorization, nor do they meet any of the statutory conditions outlined in Section 604 ( a ).

I have not been provided with : Any certification or evidence of permissible purpose.

Prior notification of these inquiries or accounts.

Documentation verifying their validity.

This is a formal demand for : 1.Immediate Deletion : Remove the above-listed accounts and any associated inquiries from my credit report immediately, as they were not authorized or established in compliance with the FCRA.

2.Written Confirmation : Provide written confirmation of the deletions within the time frame mandated by the FCRA.

Please be advised that I have filed complaints with both the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. These agencies have been informed of the unauthorized access and reporting of these accounts on my credit file.

If these unauthorized accounts are not promptly removed, I will pursue further actions to enforce my rights under the FCRA, which may include legal proceedings. 

Thank you for your prompt attention to this matter. I expect a resolution within the timeframe specified under the FCRA
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


FRAUDULENT ACCOUNTS : AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 servicer, Aidvantage, has calculated my monthly payment under the SAVE plan incorrectly. It does not match what I am given on the studentaid.gov website nor when I calculate it myself. I have asked for it to be recalculated numerous times. I have asked them to give me the calculation that was used to calculate my payment. I have resent my proof of income several times. I have called and waited on hold for over an hour. I can not get anyone via the chat. I am just now getting replies to emails I sent back in XXXX / XXXX.
Product: Debt collection

I have disputed the ownership of debt that LVNV is claiming that I owe however as of to date LVNV has failed to provide actual proof that this debt belongs to me. Per 15 USC 1692g. Validation of debts I requested an original signed application with my signature and copy of my identification used to open said account. LVNV is not able to provide his documentation and as such is trying to collect on a date from that they can not verify belongs to me. Failure to provide such information upon request is in direct violation of the FDCPA and entitles me to damages of up to {$1000.00}.
Product: Credit reporting or other personal consumer reports

There are serious errors on my credit report that have been causing me immense stress and frustration. These inaccuracies are preventing me from securing financial opportunities, and my credit applications keep getting rejected because of them. My financial freedom is at stake, and despite my repeated efforts to correct these errors, my requests have been ignored. This issue has negatively impacted all aspects of my life, including my mental well-being. It is exhausting to deal with this ongoing problem, and I am reaching my limit. I can not even seek proper help because my credit score, which has been unfairly damaged, is holding me back.
Product: Vehicle loan or lease

As sent to Ally on XX/XX/2022 via notarized letter with return receipt, your claim can not and will not be considered if not returned with the requested information <within> 30 days. It was more than 56 days that Ally answered my complaint through CFPB still not providing me the requested information. Ally claims it is not governed by FDCPA. On behalf of other consumers who governs Allys business practices? XXXX and FDCPA govern Ally. Regardless, this entire ordeal has impacted my health, and no one should be subjected to this type of business. I have contacted the XXXX and have attached Allys response. 
Additionally, I have elected to rescind my contract with XXXX and never had a contract with ALLY. This must be the reason Ally could not or would not send their validation of debt. It is clear that Ally will not and can not comply. Ally sent a copy of the XXXX contract. Again, I have chosen to rescind the XXXX contract as of XX/XX/2022, and XXXX is in receipt of it. Ally needs to be reminded that I also rescinded any contract Ally thought I had with them on XX/XX/2022, according to 15 USC 1635 ( f ) and advised them that their security interest in my car is void per 15 USC 1635 ; Regulation Z XXXX with notification that Ally had 20 days to terminate the security interest. Ally is in receipt of that affidavit with no response and no dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$2400.00} XX/XX/XXXX listed on my report as collections XXXX XXXX XXXXXXXX {$8600.00} ( XXXXXXXX XXXX XXXX XXXX ) account is inaccurate XX/XX/XXXX XXXX XXXX  accounts XX/XX/XXXX {$30000.00} XXXXXXXX XXXX  account # XXXX inaccurate description on my report XXXX XXXX account # XXXX
Product: Debt collection

XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it.
Product: Mortgage

My name is XXXX XXXX. I am the court-appointed Trustee of the XXXX XXXX XXXX XXXX. The Trust owns a single family residence located at XXXX XXXX XXXX, XXXX, CA XXXX. There is a XXXX mortgage on the property serviced by LoanCare in the amount of {$130000.00}. The loan number is XXXX. 

The Trustor, XXXX XXXX, died in XX/XX/XXXX. LoanCare has had all of my information for many months, and it has been sending monthly mortgage statements to my office, and I have been paying all amounts due during that course of time. I have attempted on numerous occasions over the past week to obtain a payoff statement on the account, because the property is set to close on XX/XX/XXXX. I have provided a copy of the Trustor 's Death Certificate, as well as a copy of the Court Order appointing me as Trustee of the Trust. Despite these efforts, LoanCare refuses to provide me with a payoff statement. I have advised LoanCare that there is a chance escrow will fall through if they do not provide me with a payoff statement. 

Please help. 

Sincerely, XXXX XXXX