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

I was trying to retrieve money I had lost in a scam. The money was being held by XXXX XXXX. I was told by XXXX XXXX they had {$110000.00} but I had to pay taxes on it. When I followed their instructions, my bank, USAA FSB said XXXX XXXX was fraudulent and I was a willing participant in the fraud. So USAA said they were terminating our assiciation. This all happened just after my XXXX XXXX, my XXXX XXXX XXXX, my XXXX XXXX, and my husbands XXXX XXXX were deposited. Right now, USAA is holding {$28000.00} of my pay and penalizing me for missing payments. They say they will send me a check for any balances in 60 days. Ive been trying to close annuities and XXXX IRAs to get money to pay my bills, but USAA is even slow to do that! If they have already found me guilty of fraud, when I was the victim, why cant they give me my money now? Why do I have to wait 60 days? My husband and I are trying to retire in the XXXX due to his poor health. We desperately need our money! I am a veteran of 23 years with a 90 % XXXX. My husband worked for the XXXX for 25 years, but his health is failing. He wants to go home before he dies. I have a Durable POA for his finances. We were loyal members of USAA for 26 years. Now, all we want is our money. Is that too much to ask? ( And why was my previous complaint closed? )
Product: Mortgage

This communication is based on and a part of prior communication regarding loan # XXXX and a complaint # XXXX. As I reviewed the status of communications today I noticed that Citi had included a lengthy summation of loan history - and I 've been led to believe that I received that information long ago. Not sure that is true. Does n't matter in the whole scheme of things regarding Citi 's actions, but I seek to inform those that read this stuff - I 'm uncertain as to whether I received the information they allege they sent - frankly I do n't think so. It certainly is not in my files of late, and I have started to be very careful about communications between myself and Citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was aware of this fraud account on my credit XXXX of 2019. I am not aware of where it came from or who used my information. Since XX/XX/ 2019, I have been trying to get this account removed off of my credit.
Product: Credit reporting or other personal consumer reports

My credit score was XXXX last month now its XXXX, don't understand why it went down. I was told don't close out your account, or it will automatically fall off. I been working hard to keep my credit score up. Rooms to Go and TJ Max has not favored me, because I've closed that account out, Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : TRANSUNION : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX XXXX Balance Owed : {$4600.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX Balance Owed XXXX {$130.00} XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I was able to take out XXXX  from XXXX different online XXXX  at the XXXX  time. They XXXX  that Opploans  provided XXXX  is illegal in the state of XXXX  where I XXXX. The terms are usurious and make it impossible to pay back with the amount of current XXXXXXXX XXXX XXXX. I feel these are rent a bank XXXX XXXX
Product: Debt collection

The company Harris and Harris has repeatedly called my home phone number XXXX on a regular basis. It took me a minute to figure out how to block the number on an old handset. They mustve called at least 3-5 times a week and left a robo message.
Product: Checking or savings account

on XX/XX/19, I deposited a paycheck for {$4900.00} into my Wells Fargo checking account. The check cleared on XX/XX/19. On XX/XX/19, my account had a negative balance for the amount of the check due to returned deposited check and after being on hold for hours I still dont know why this happened. I feel violated. How can a check clear and then be uncleared three months later?
Product: Student loan

I have applied multiple times for a Sallie Mae loan that they say is being offered for XXXX XXXX. Under different criteria there is always a change in what the offered interest rate is. Every time I ask what criteria is being considered and how my credit file fits into that decision making process I am just told that its a system only decision and that the information I am requesting is proprietary. They advertise rates as low as 3.xx % but my lowest rate option was 15 %. I requested {$150000.00} at one point and got a 10.5 % rate and I was told that the amount requested was one of the deciding factors on a high rate, when I adjusted the requested amount to {$50000.00} my rate went to 11.5 %, when I added a cosigned on a {$60000.00} loan my rate went to 15 %! and thats with a cosigner with over an XXXX credit score! I need answers on how these decisions are being made because they seem arbitrary at best and predatory at its worst!
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately.
Product: Debt collection

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. 

In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. 

Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. 

Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.

I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. 

Please acknowledge that you have received this notice within 14 days.
Product: Mortgage

Hello, I've been in negotiations for quite some time with Wells Fargo concerning my mortgage. I finally was approved for a loan modification but my interest rate jumped higher than the current low interest offered by Wells Fargo. I am grateful for the approval of the loan modification.
Product: Debt collection

Via cfpb complaint response from EOS CCA on XX/XX/21, EOS CCA stated the following, " The account has since been closed, collection activity has ceased and our office will not contact you further. EOS CCA has already notified the credit bureaus to delete the above reference account from their records. '' There was a " NOTICE TO COLLECTION PLACEMENT '' dated XX/XX/21 mailed to a po box .
Product: Credit card

I have had a credit card with macys that was opened up in XX/XX/XXXX. I have had used this card many times and was making my payments on time and been very happy with the everything till I received a statement from them XX/XX/XXXX where it showed on statement that I owe over {$2000.00} to macys. I immediately contacted macys and brought their attention that this charges on statement did not belong to me and I assumed everything was taking care off because they send me a new credit card till I got my statement again from macys that shows a balance of over {$2000.00}. since that time I stopped using my macys card and even in even when I was shopping there I start using my visa and master card. I always had a great credit and have no dint in my credit report. Over 5 months ago I decided to get a new phone for myself and I got denied and I was kind of embraced at the same time very angry in what took place. I have a family member which he knows about credit and he told me let 's look at my credit report and I purchased a copy of my credit report and find out that macys has reported my account as charge off. I was so upset we have disputed this account with the credit bureaus and it came back as being updated with same information that my account has been charged off. at this point I need your help to resolve this issue for me. Please help me.
Product: Credit card or prepaid card

XXXX and XXXX  16 late payments. In accordance with the fair credit reporting Act.This creditor has violated my rights under 15 USC 1681 section602 states. I have the right to privacy15 USC 1681 section 604 section2 it also states that a consumer reporting agency can not furnish anaccount without my written instructions under 15 USCS 1666B a creditor may not treat a payment on a creit card account under and open consumer credit plan as late for any purpose.
Product: Student loan

I filed disputes for removal cause of missing information from credit rating, amount paid, balance incorrect, and incorrect account number
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX ; XXXX XXXX AV XXXX XXXX XXXX VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; EQUIFAX XXXX  XXXX  XX/XX/XXXX.
Product: Credit card or prepaid card

Applied for card XX/XX/XXXX Did not receive card in mail even though I moved mail forwarding would have sent it to new address Call 1 refused a new card told they would not send me another tell such such date Call 2 demanded a new card sent and annual fee charge removed as how am I owing and have no card!

Call 3 told no again stated I need to send proofs of me being me and address, they never updated it from the start of this Call 4 told I had to wait 14 days to get card the original they used the same excuse and never got that one This is a SCAM they charge and give you no card
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sold my information and now debt collectors calling to collect a debt the original creditor charged off and received a tax break : FCRA violations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY payment never late : XXXX XXXX XXXX - Closed 1 late payment
Product: Credit card or prepaid card

On XXXX, American Express sent me a promotion over email : Special Offer for XXXX : ... Special Offer for XXXX points .... 

On XXXX, I clicked the invitation link inside that email, confirmed the promotion displayed on the application page : earn XXXX membership rewards points after you use your new card to make {$5000.00} in purchases in your first 3 months. Immediately after submission, I got approved on this Amex platinum card. 

On XXXX, I received my new card over mail ; I called to activate and confirm the promotion on my new card. I was told by customer representative that there is no such promotion on my new card even after I provided the RSVP code and POID sent by American Express directly to me. Please find the attachment for the original invitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion and viewing my XXXX XXXX report, I learned that I was not able to get the apartment due to multiple accounts that are not mine. XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX & XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX | XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, Unknown Acct # XXXX, Unknown Acct # XXXX Unknown Acct # XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX | XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
I also noticed that these Student Loan Accounts were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : XXXX XXXX XXXX Acct # XXXX, DEPT OF EDUCATION/XXXX Acct # XXXX, XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX. These items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to send a complaint about these three companies, EQUIFAX, XXXX  and, XXXX. I have been disputing inaccurate and unverifiable information from my credit report which was a complete error done by these companies. They have not made a proper investigation of the matter and they can not provide me any proof to verify these inaccurate accounts. Several months have already passed and they should already have given me enough record or binding evidence for them to keep posting these accounts in my credit report. PLEASE HELP!!!
Product: Credit card or prepaid card

In XXXX, XXXX Chase Credit Card charged me for hundreds of XXXX and Audible books from XXXX dated in XXXX, XXXX There are way to many charges to list. My XXXX account has no record of these charges and I did not make them. These charges amount to around {$400.00}. Chase has no idea where these charges came from or why if the charges were made in XXXX, XXXX that they were not billed to me until XXXX, XXXX. 

I have had numerous conversations with the fraud department at Chase to no avail. I have an account in good standing for over 20 years. If needed I can send copies of my Chase statements.
Product: Mortgage

I am a 100 % XXXXXXXX XXXX  and in XX/XX/year>, I sent that information to our county 's tax accessor and then shared that with our mortgage company - PennyMac. The representative on the line misunderstood or was not clear on what it meant to be a XXXXXXXX XXXX and have a tax exemption. They removed ALL taxes from our account and sent out a disbursement check, after a few months they realized the mistake and have increased our escrow payments well above what our mortgage before even sending in the tax exemption was. Roughly a {$2000.00} increase. I am a XXXX  and my XXXX XXXXs XXXX XXXXXXXX XXXX After many calls to PennyMac to rectify this situation, they stated my husband told them we were tax-exempt and so they made the changes versus looking into their paperwork and doing their due diligence. We have no been paying for the mistake XXXX 's employee 's have made for 3 years, while our mortgage continues to increase. This feels predatory.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX XXXX XXXX Account Number : XXXX - XXXX XXXX  ( Original Creditor : XXXX XXXX  ) || Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I discovered inaccurate and fraudulent information on my credit report. I contacted the credit bureaus that were reporting the inaccurate and fraudulent information.They continue to report the fraudulent and defaming information as of XXXX. They have yet to provide me with any validation of debt and my request for damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like have the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On or about XX/XX/2018, I had inquired on line about loan rates for medical purposes. After filling in all of my personal information, I actually only submitted the form after I ensured that these inquiries would not in any way affect or impact my credit scores and there was a disclosure stating that it would just be an inquiry and would not in any way affect my credit scores. However, shortly thereafter I got an email from XXXX XXXX who monitors credit scores that there was a change in my credit score. In my opinion, these loan inquiries could be the only thing that would change my credit score ( s ) since I did not open any new accounts or have any new or adverse reporting recently.

The lending company in question is : Lending Club which it is my understanding that your entity oversees. I have also reported XXXX XXXX XXXX XXXX to the FDIC who I was told oversees these entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. The credit agency XXXX, Transunion and XXXX  have not verified my dispute and refused to remove the Bnackruptcy from my report.
Product: Money transfer, virtual currency, or money service

Cash app closed my account because I reported unauthorized transactions I tried to dispute many times they failed to have a live agent assist me instead of my money being returned or refunded they closed my account and would not allow me to no longer access or use the platform
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX 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 XXXXXXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dealing with an issue between Chrysler capital and XXXX XXXX. Going back and forth since XX/XX/XXXX. My Chrysler capital account dropped XXXX points the day one of the parties closed my account in error. XXXX XXXX is Chrysler and visa versa. The should handle instead of placing blame elsewhere. My Chrysler account is opened and current. Im at my wits end with these two companys. So I want to do a formal complaint. As I am so stressed over this. Tired of the arguments. Just called Chrysler and of course they have to contact another team to see whats going on. XXXX XXXX.can you please help me with this on going issue. 






Sent from my XXXX