23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that my mail was stolen, and as a result, someone fraudulently ordered a replacement card for my XXXX credit card account ( number XXXX ). Shockingly, the identity thief made unauthorized charges totaling {$6000.00}, including interest charges, on my credit card. Recognizing the seriousness of the situation, I immediately contacted XXXX to report the identity theft and requested the closure of the account. 

To further address the issue, I visited the local precinct to file an identity theft report. However, I was met with an unexpected response from the police officer, who advised me to obtain a validation of theft from XXXX. Despite my efforts, XXXX declined to issue the validation, invalidating my identity theft report and leaving me responsible for the stolen funds and fraudulent charges. This turn of events is not only absurd but also indicates a failure on XXXX 's part to protect consumers like myself. I find it distressing that they are now accusing me of making false statements. 

I also sent dispute letters to the three credit bureaus ( Experian, XXXX and XXXX ) regarding the removal of this fraudulent account on my credit report. However, they did not respond with a proper investigation into this matter. As a result, the fraudulent account is still appearing on my credit report which totally destroyed my credit. 

In light of these circumstances, I strongly believe that my consumer rights have been severely violated, and I am seeking justice. I kindly request the removal of this fraudulent account from my credit reports, as it is unjust for me to bear the financial burden of someone else 's criminal actions. I trust that you will take immediate action to rectify this situation and restore my financial well-being. 

Thank you for your attention to this matter and for upholding consumer protection. I eagerly await your response and a resolution that upholds fairness and accountability.
Product: Checking or savings account

I am filing a complaint about my checking account with TDBank, a bank in which I have been a customer for over 30 years. 
On XX/XX/2021 my phone was hacked and two XXXX transactions were sent from my account to an unknown person. 
I immediately filed a complaint with the bank ( in person ) and was made to change my checking account # and that the claim would be denied due to it being authorized by my phone. My phone was hacked that is why. 
Since that time I have called the bank and sent them a letter of complain which I will copy here and every time I am given the answer that that claim was denied because I authorized it from my phone. I have followed up with a representative at a branch in XXXX who was very helpful and filed the complaint 2 more times with the same result. I Obtained a police report to prove that the money was sent to nobody I knew. 
I am attaching the letter I sent to the bank 2 months ago with all the pertinent details. 
See attachment
Product: Student loan

Student loans are doubled on credit report - My student loans are with Nelnet and today I noticed that my student loans were listed as default twice on my credit report. Significantly adversely affecting my XXXX XXXX.
Product: Credit card or prepaid card

I have a MasterCard issued by Comenity Capital Bank. My interactions via their " Secure Message Center '' are anything but. Their Fraud Department seems susceptible to " man in the middle '' attacks, i.e., their responses do not seem to directly relate to my questions and, moreover, their security verification queries seem like phishing attempts.
Product: Credit card or prepaid card

I rented a car in XX/XX/XXXX for XXXX holiday in XXXX ( cost ~ {$800.00} ). I arrived to get my rental car and was told that they were not honoring my rental agreement and had to rent a car with new policy ( cost ~ {$750.00} ). I immediately reached out to the original rental ( middleman ) company to explain the situation. After several weeks of nothing I filed a dispute with my credit card company. I explained the situation and offered to provide supporting documentation. They informed me that they would reach out and if they needed anything more from me, they'd let me know. I followed up after XXXX days to check the status and all was still well. On XX/XX/XXXX I received a letter from Chase that my claim had been rejected. Letter was dated XX/XX/XXXX. I called and was told I could dispute my dispute and upload supporting documents ( which I did within XXXX hours - on XX/XX/XXXX ). On XX/XX/XXXX I called to follow up on the claim and was told that I was being rejected again as I should have submitted my documents and re-disputed the claim by XX/XX/XXXX ( letter of deny was XXXX and received in mail on XX/XX/XXXX ). Basically, I need to have mental telepathy to know that I'll be rejected so I can submit forms before I even know I'm rejected. During my multiple calls yesterday with Chase, I discovered that during their review of my initial claim, they overlooked my XXXX charges. From their perspective they saw I had a charge on XX/XX/XXXX and received a car. They didn't look at my records to see that I was charged a XXXX time on XX/XX/XXXX. Their response after realizing this was simply to keep saying, you're too late, there is nothing we can do. 

My concern with credit card services is this : for goods and services that a customer immediately receives you have XXXX days to complain about a product being defective etc. When it comes to some purchases ( furniture, vacations, etc. ) most people are paying for this months in advance. Then when something goes wrong, agreements aren't honored etc. the XXXX company says you are filing too late. Also, when a customer has supporting documentation and the company says " we will reach out to you if we need anything '' then they don't do that and deny you without full research there is no recourse. 

The rental car company in XXXX rented me a car and has my money ( no issue there ). The rental car company XXXX XXXX XXXX XXXX ) did nothing to help me, their rental agreement was not honored and they did not help dispute the situation with the Italian company nor will they refund my original payment of {$800.00}. That is a lot of money to be out. I have a problem with this. The credit card company ( Chase ) did not properly assist me, didn't want my supporting documents ( both rental agreements, charges, email communications ) and once I finally gave them those records they said too late. They simply want to move my case off their desk or check their completed task box. XXXX of the points of having a credit card is to have someone who can help dispute claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged XXXX for someone to repair my credit and remove the medical bills which my children had insurance for all of XX/XX/XXXX-XX/XX/XXXX There are also 2 evictions in my report i have reported because my id social and birth certificate was stole 2 different times in XX/XX/XXXX and XX/XX/XXXX. It seems like someone is trying orderstuff i never approved for such as credit cards. Ive been back and forth with Experian and XXXX XXXX XXXX deleted the collections. I need the evictions and all medical bills removed i have proof of identity theft and i have the beginning of the police report. My identity has been used for several years and nothing has been done about it. Please help. XX/XX/XXXX-XX/XX/XXXX my address was XXXX XXXX XXXX XXXX ca XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, XXXX, XXXX ( CMG Mortgage Inc. ) reported a hard inquiry on my credit profile with the 3 credit reporting agencies : XXXX, XXXX, and XXXX, without my written authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX some years back and spoke with a gentleman that stated he was a manager. I explained to him about being a victim of identity theft and how I notice on my report that a vehicle was on there that I do and never owned and he asked my name and address. He put me on hold and when he came back to the phone he asked if I could send my id in and I told him yes and why? He said that they will get that off there. I asked how long will it take he assured me that it will take about 90 days. Well 90 days came and went but that never came off. So I did a complaint on ftc.gov back in XXXX and received a comment back from the company legal assistant " XXXX XXXX via email, phone call and through the ftc.gov website comment section. I emailed XXXX XXXX back and stated that we could communicate via email but she never responded back. I am assuming she wanted to speak over the phone is why I never heard back from her. On the ftc website comment site the company stated clearly that they understood that the account does not belongs to me but still and yet they did not remove it. I did everything to prove to this company that this account does not belongs to me. I am a victim of identity theft. They have lied to me about removing the account from my credit report and each time I dispute it the company do an update. This company does not honor their words and are heartless. They has cost me lots of emotional distress when I have proven that this is not my account and I am a victim of identity theft. I am constantly disputing this account and the company will constantly do an update instead of removing it.
Product: Checking or savings account

USAA Federal Savings Bank has placed a security hold on all my accounts, preventing me from accessing funds from XX/XX/23 to the present. I believed this was done in response to an erroneous fraud trip associated with attempting to transfer {$200.00} from my USAA account to my XXXX XXXX XXXX XXXX on Friday ( XX/XX/23 ). The transfer was attempted using the XXXX app, as endorsed by USAA ; however, I received an error and was asked to try again later. I attempted to perform the transfer XXXX more times ( XXXX total ), at which point a hold was placed on my XXXX apple pay debit card. I contacted USAA and cleared the matter on the same day. However, USAA claims to have determined some form of fraud was detected on that Sunday ( XX/XX/23 ) and placed a hold on all debits from my checking and savings accounts. 

I was unaware of the hold until I called Tuesday after I was unsuccessful in my attempts to transfer funds from my savings account to my checking account to cover an upcoming credit card bill from an outside creditor. USAA told me that on Sunday ( XX/XX/23 ) that my account was on a security hold, and they could not comment on why until the XXXX department completed their review, which would take " up to XXXX business days and XXXX hour but was assured that I would have access to my accounts upon completion of their review. 

I contacted USAA Thursday ( XX/XX/23 ) when I was still unable to access the monies in my account. Again, I was told that the fraud department had my accounts on a security hold. USAA said they could not comment on why until the review was completed, which would take " up to XXXX business days ''. As of this point, I have not had access to my money for 4 days, and with the holiday weekend coming up I will not have access for at least an additional 4 days, a total of 8 days ( at minimum ). 

Within the last 6 months, I have moved my family to a new state, started a new job, and purchased a home. Our finances are already limited due to these major life changes and financial obligations, resulting in drained savings and maxed-out credit cardsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this is the most inopportune time for our bank to restrict access to our money. We are unable to pay bills, secure and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs, or even fill our vehicles to commute to and from XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act TransUnion has violated my rights by reporting false information about the following : XXXX XXXX XXXX  late payments. Acct # XXXX It currently shows collection/charge-off. 



15 U.S. Code 1681 Section 602 A. States I have the right to privacy. 



15 U.S. Code 1681 Section 604 A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



The above account information is false! I have and am experiencing close to homelessness due to this false information. I need this information corrected by removal from my credit report. I have XXXX  children and XXXX  on the way and I care for my XXXX  mother, and it is ridiculous that I must live in a small apartment for how many more months and years! Waiting for this to change?? I need this removed. Below is the information I see that is totally incorrect. I have contacted TransUnion multiple times with no change to this information. It's like they don't even care. I lose sleep and feel like life is exhausting me because of how stuck I am with this credit score being reported so wrongly.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



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
Product: Debt collection

I lived at the property address XXXX XXXX XXXX XXXX, XXXX, MI. 
I put the comcast bill into my name. I paid my bill on time while I lived there. 
I moved out of this property, and cancelled my XXXX XXXX at this address and moved it to my new address. From what I have found out, they never turned the service off at this address. They continued to bill me at this address, which I never received any notifications on. This bill stayed on for 6 months without me knowing and the person in the house was using this service under my name. I am not responsible for this bill, I did everything i was suppose to to remove it from my name. Please remove this from my credit report, and remove the amount due from me.
Product: Checking or savings account

Chase account confirmed I was a victim of fraud scam charges on the phone. 
They neglected to alert me my account was compromised and it took me a long time to piece together someone who had accessed by account and routing number making several disguised transactions as XXXX XXXX. 

This traces back to XXXX.
Product: Debt collection

I noticed that my credit score had dropped precipitously from XXXX to XXXX due to a negative report. When I ran my credit report I found a false report had been made. PMAB LLC is a collection agency employed by XXXX XXXX XXXX. PMAB LLC reported an account balance of {$440.00} as not paid to the XXXX and other credit bureaus. PMAB LLC had good reason to know the account was not mine. When I telephoned PMAB they admitted the charge had been made by my XXXX year old son, not by me. They identified my address as a former address where I have not lived for 8 years. When I complained I was told I should get my son to pay the bill. I am not responsible for the bill. I am not responsible for getting my son to pay his bills. When I telephoned XXXX XXXX XXXX to complain, they told me they had no balance due on any account from me. That leads me to believe the collection agency is an unscrupulous agency which preys on the elderly by engaging in extortion. Please assist me in regaining my rightful credit score by the elimination of this unlawful report. I have attached a copy of the PMAB item as shown on my credit report.
Product: Credit reporting or other personal consumer reports

My account with those creditors was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

I put {$200.00} dollars in the bank for the 3.75 % apy through a third party bank known as Citizens Access, for some reason, and they have no answer to this, my account is under review. All I did was transfer money from XXXX and XXXXXXXX XXXX  over to my account to leave in so that I can collect interest, and I was considering doing biweekly deposites of XXXX dollars, totalling $ XXXX. I feel like I have been scammed, and am concerned. Im reaching out to the consumer finance bureau to get Citizens Access to fix this. I tried to fix it myself, but upon reaching out, they couldn't tell me what's going on, let alone fix it. This is completly unacceptable, and since I could lose my cat, a rescue, to parvo due to not being able to get that money for his vet appointment on Friday, not only is this unacceptable, but this is also UNFORGIVEABLE. I want my money, back. Please, and thank you.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed the following inquiries that I did not authorize : Inquiry Name : XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Inquiry Name : XXXX Inquiry Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I sent a request to XXXX asking them to verify the account being reported on my report by XXXX XXXX XXXX XXXX  for XXXX in the amount of XXXX. I asked for copies of documents. They responded within 30 days without documentation saying that the account had been verified. I sent a second request on XX/XX/2018 asking for a demand for validation with documentation. On XX/XX/2018 I received notice from XXXX that the company that reported the information has certified with XXXX  that the information is accurate. ERC was sent a letter requesting validation and documentation on XX/XX/XXXX, as I believe the reporting is in error. On XX/XX/2018 I received a XXXX bill from them. One in the amount of {$1000.00} and another for XXXX. This does not prove the account is mine. I am asking for original documentation or contract that validates the account being mine, as I believe this account is being reported in error and negatively impacting my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, I requested Trans Union, by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX, and XXXX  by Certified US Mail # XXXX XXXX XXXX XXXX XXXX XX/XX/2021, to please send me copies of the documents that they have in your files as of this date that you used to verify the accuracy of certain accounts they are reporting on my credit report. 
I informed them that Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that they disclose to me all the documents that they have recorded and retained in their files, at the time of this request, concerning the above accounts that they are reporting in my credit report. 
I requested that they please do not respond to my request by saying that these accounts have been verified, instead, please send me copies of the documents that they have in their files that were used to verify them. 
As of this date, more than 30 days have passed and they have failed to comply.
Product: Debt collection

I have never done business with this company ( Midwest Recovery Systems ). I do not have any contracts with this company. I have the right to demand to see a signed contract between myself and Midwest Recovery Systems.
Product: Student loan

My loan payment was due XX/XX/XXXX. I have made on time payments for 7 years.Never late. My payment the was scheduled didn't get processed. XX/XX/XXXX I made another payment-but navient made me pay for XXXX and XXXX {$1400.00}. I had no other option. XX/XX/XXXX my cosigners received calls at XXXX saying my loans are past due and going into collections. I called navient today and they said they have not received a payment. Even though I showed that I payed. They said that payment XX/XX/XXXX was canceled. So I payed again today {$1400.00}, bc they have called my cosigners and sending emails to all of us. 

Now they have 4 monthly payments from me after lying saying I didn't make any payments. 

I called and they said they can't do anything about it. That both payments are getting processed. They then said we will have a conference call with my bank and proceed to leave me out of the conference call. They also said I would be denied for cosigners release because I was delinquent on a payment that I payed for already. I will be reimbursed the money in 5-10 business days in which all my checks will bounce. 


They wanted me to go delinquent on my loan. Making me pay for XXXX a month in advance. They processed my payment late, said the payment didn't exist and made me pay again after calling all my cosigners. I have been harassed and bullied by navient.
Product: Mortgage

This is a follow up of my CFPB complaint XXXX because it was closed after the company responded but the company only addressed partial issues and lied again in the response. 

1. Though Statebridge Company did corrected my mortgage rate and cancelled my escrow account, they did not provide a legitimate explanation why they secretly increased my mortgage rate and lied about it again and again ( in other words, they were stealing money from the customer intentionally ) and why they changed the escrow term when the service was transferred to them. Instead, they simply lied in the response stating that the rate increase did not happen. Federal regulations require them to provide explanations AND solve issues in 30 days. This was yet another violation of the Federal regulation. The next step may have to be taking legal actions against them.

2. They did not respond to my request to recalculate my account balance history by applying the extra escrow charge each month to the principle, and did not provide the compensation I requested due to their criminal and fraud action to my account.