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

The USAA Federal Savings Bank will not close three ( 3 ) Fraudulent Accounts that are XXXX Credit Card Accounts This illegal criminal assault on the Claimant ( XXXX XXXX ) excellent Credit Score and Financial Securities catastrophic losses of {$10000.00} US Dollars or more due to the nature of cybercrime since this horrific onslaught has not ended since XX/XX/XXXX This was aggressively attacked by XXXX XXXX XXXX XXXX that obtained the fraudulent report from XXXX by the USPS AT HIS HOME ADDRESS AND THE XXXX AND ANGER THAT THE USAA BANK FRAUD RECOVERY TEAM ( XXXX XXXX AND XXXX XXXX  ) MEMBER ADVOCACY REFUSE TO PROVIDE THE CRIMINAL INVESTIGATION THAT MUST BEGIN IMMEDIATLY BY A REPORT THAT WILL VERIFY THE TELEPHONE CONVERSATION BY SENIOR USAA BANKING OFFICIALS THAT ON XX/XX/XXXX THE FBI REPORTED THAT THREE ( 3 ) UNAUTHORIZED ILLEGAL XXXX CREDIT CARDS WERE ISSUED WITHOUT THE CLAIMANT XXXX XXXX PERMISSION AND THIS IS OUTRAGEOUS THAT EMPTY PROMISES HAVE NOT BROUGHT CLOSURE TO THIS ANTI-TRUST VIOLATION OF USAA FEDERAL SAVINGS BANK INVESTIGATE WITH IMPUNITY AND DO NOT IGNORE THIS REPORT TO THE XXXX XXXX XXXX XXXX AND THE BOARD OF DIRECTORS OF MY 28 YEAR MEMBERSHIP THAT IS TERMINATED AS OF XX/XX/XXXX TERMINATE ALL FRAUDULENT XXXX CREDIT CARDS IN THE NAME OF XXXX XXXX XXXX AND ERASE ALL INFORMATION OFF THE USAA WEBSITE FOREVER AND EVER
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS COME TO MY ATTENTION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT FOR A FEW YEARS NOW. ( COLLECTION AGENCY ) PLACED A COLLECTION ON MY CREDIT REPORT THAT WAS FROM A FRAUDULENT ACTIVITY. I HAVE CONTACTED ( COLLECTION AGENCY ) AND ( ORIGINAL CREDITOR ) AND EXPLAINED TO THEM WHICH I WAS TRANSFERRED SEVERAL TIMES, I FELT DISRESPECTED BY THE CUSTOMER SERVICE REPRESENTATIVE AFTER EXPLAINING TO THEM THE SITUATION THAT THEY HAVE THE WORNG PERSON. THIS COMPANY IS VERY UNPROFESSIONAL! I ALSO SENT THEM A COPY OF THE POLICE REPORT. I WILL ALSO FILE WITH CFPB AND FTC! THIS IS VERY INCONVENIENT ON MY PART!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX ( XXXX ) XXXX. 

Claims a debt is mine when it is not. They can not prove my financial responsibility for this debt and are unable to provide any proof that I am a responsible party on this debt. The Debt is in the name of another person and the bill is sent C/O my name only. They do not even have my SS number. They have no authorization from me or signature or contract that I am responsible for this debt. The date of purported service is XX/XX/2015. 

I have disputed this debt with Experian but they refuse to remove this debt from my credit report even though XXXX and XXXX   have already removed it. They have been given proof the invoice for the debt is in the name of another person but they still refuse to act. They refuse to request further information from XXXX XXXX   proving my responsibility on this debt.
Product: Debt collection

Sallie Mae sold off my debt, knowing that they have in their policy that US Veterans that are XXXX, at XXXX XXXX, which is how the US Department of Veteran Affairs considers unemployable veterans, lied to debt collectors. This has tarnished my credit score and I have attempted to resolve this matter with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 7 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

I woke up to find out someone applied for a credit product in my name without my consent resulting in a hard inquiry from XXXX XXXX. I am a victim of identity theft. I attached a copy of police report, and identity theft affidavit that's been filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of buying a home. I been analyzing my credit to making sure my debt is truly mines. These hard pulls are not mines at all. I did not authorize these inquires now do I do them. The follow items are what I do not recognize and they are repeatitive : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated. 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 XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  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!
Product: Credit reporting or other personal consumer reports

XXXX contacting because my information was used to open a credit card with XXXX for a balance of {$5000.00} I dont recognize his account nor did I give anyone permission to open an account using my information I have already filed a claim with the federal trade commission about this matter I am requesting that this account get removed from my credit profile because this was not my account nor did I have anyway knowledge of this account being opened!
Product: Credit reporting or other personal consumer reports

I just noticed XXXX XXXX card services on my credit report. I never opened ANY of these cards. I have filed an FTC report with them on it. Still no action. Why is XXXX putting it on my credit report??? I also told the credit bureaus to remove as it's not mine. They won't follow the law. I've sent them a FTC report. Those accounts that aren't mine are still there. I have NEVER had a contract with XXXX ever. 
Partial account XXXX XXXX from my credit report XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out to Equifax via the dispute portal to file a complaint on information provided on a car loan account on 2019. The load was provided by XXXX XXXX XXXX on XX/XX/year>. 

I provided Equifax copies of the loan agreement, included in this complaint, as well as copies of payments confirmation, also included in this complaint, that proof their information is not accurate. However, they continue to report the wrong information. This has hurt my credit profile by lowering my credit score which, in turn, cause me to get higher interest rates on my loan.
Product: Money transfer, virtual currency, or money service

ON XX/XX/2022 WELLS FARGO FAILED TO PROTECT ITS ELDER CUSTOMER!! I AM A XXXX OLD WIDOW AND I HAVE BANKED WITH WELLS FARGO FOR OVER 40 YEARS AND HAVE NEVER WIRED MONEY TO XXXX XXXX I DONT KNOW ANYONE IN THIS COUNTRY. I RECEIVED AN EMAIL STATING I WAS BEING CHARGED FOR XXXXXXXX XXXX. I THEN CALLED THE NUMBER LISTED TO CANCEL THIS TRANSACTION. THE MAN NAMED XXXX XXXX THEN SAID HE NEEDED TO ACCESS MY COMPUTER TO CANCEL THE CHARGES. HE THEN SAID HE ACCIDENTLY WIRED ME MONEY ( {$35000.00} ) AND THAT I NEEDED TO WIRE IT BACK IMMEDIATELY. HE STATED IF I DIDNT I WOULD LOSE ALL MY MONEY. I WENT TO WELLS FARGO AND XXXX XXXX HELPED ME. HE ONLY ASKED ME ONE QUESTION IF I PERSONALLY KNEW XXXX. HE CLEARLY SAW HOW DISTRAUGHT I WAS BUT FAILED TO TAKE SECURITY MEASURES TO MAKE SURE THE WIRE TRANFER OF {$34000.00} WAS LEGIT. HE SHOULD HAVE CALLED MY DAUGHTER TO VERIFY AND HE DIDNT. I LOST ALL MY LIFE SAVINGS DUE TO THIS LACK OF SECURITY PROTOCAL. I HAVE SPOKEN TO A PREVIOUS CHIEF EXECUTIVE STAFF FROM WELLS FARGO AND SHE ALSO STATED PROPER SECURITY PROTOCAL WAS NOT FOLLOWED. XXXX AUTHORIZED A WIRE TRANSFER OF {$34000.00} TO XXXX. THIS TRANSACTION WAS FRAUDULANT. WELLS FARGO FAILED TO PROTECT ITS ELDER CUSTOMER. THIS IS ELDER ABUSE!!
Product: Debt collection

Ive notice unauthorized hard inquiries on my credit report that I would like removed immediately. My information was exposed in a data breach and I ask you to remove this information. According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is illegal to report anything on my credit report without my permission. Please remove these negative items off of my credit report. Do not turn my dispute into a third day dispute under section 605B, this should be removed within 4 days. Thank you.

Inaccurate inquiries : Experian 1. XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

2. XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

3. XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

4. CXXXX XXXX XXXX Address None Provided Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Extension of Credit. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Dispute Reason-The reason is not authorized, no permissible purpose, or other reason.
Product: Debt collection

I am a victim of identity theft and someone stole my identity and used my personal information to open up an account with XXXX XXXX for cable and high speed internet service. I do not owe XXXX XXXX a debt of {$120.00}. The account or debt do not belong to me. I have been phone calls repeatedly from XXXX debt collectors who have harassed, verbally abused and threaten me with wage garnishment and arrest if I do not pay the debt. XXXX XXXX is in violation of the Minnesota Debt Collection Laws and Fair Credit Reporting Act.
Product: Mortgage

My mortgage lender or processor is US Bank Home Mortgage. I live in the XXXX of Massachusetts. I routinely pay more than is due every month because I am trying to eliminate my mortgage debt before I retire. I will be XXXX in XXXX. I have the mortgage statement that I received on XXXX XXXX. It shows that the principal due is {$1600.00}, the interest due is {$270.00} and the escrow due is {$1100.00} for local taxes and insurance. The statement shows that the outstanding principal balance is {$82000.00} and the interest rate on the fixed rate mortgage is 3.95 %. I looked at the way that my last payment of {$11000.00} was applied. The payment was for the month of XXXX and my check was received on XXXX XXXX by US Bank. The XXXX XXXX statement shows that {$580.00} was paid in interest for XXXX. There has never been any delinquency. If we owe {$270.00} in interest in XXXX, why did we pay {$580.00} in XXXX? If I take the outstanding principal balance and multiply it by 3.95 % and divide by XXXX the amount is {$270.00}, the amount on the XXXX statement. How could it have been {$580.00} in XXXX? The statement shows that the bank collected {$290.00} for XXXX and {$290.00} for XXXX. Those months had not occurred yet on XXXX XXXX. Interest is the amount I owe for borrowing the principal amount for a given period, one month. How could I owe interest for months that had not happened? How could the bank know what the principal balance would be in XXXX when I had not made my XXXX payment yet? It is my intention to pay {$15000.00}. If the amount is not interest, what is it? I understand that the XXXX does not allow pre-payment penalties. Is this a pre-payment penalty? When I discussed this matter with the bank, their response made no sense to me. I want the bank to collect the interest that it is due for the money that I have borrowed for time periods that have actually occurred. The rest has to be applied to principal. I feel that I have been cheated. I believe that the tax form that was sent to me for last year by the bank showing my interest deduction was not accurate. The interest owed is only 3.95 % of the weighted average outstanding principal.
Product: Debt collection

I saw that on XX/XX/2023 a company called Southwest credit system added a collection to my credit. For XXXX which XXXX was on my credit years ago! Then XXXX removed it from my credit years ago. Then on XX/XX/2023 Southwest credit system put me in collections again for XXXX for the same bill. I have not received any phone calls or anything in the mail about this. Just boom its there again. XXXX has been removed from my credit years ago. Thanks for any help about this matter
Product: Checking or savings account

On XX/XX/XXXX, {$190.00} was taken from my bank account by PayPal. They claimed that the charge was an authorized recurring charge to pay XXXX and the App Store. I contacted XXXX and the App Store, but there was no such recurring charge and they did not receive the funds. PayPal support just closed the case claiming that I had authorized the charge.
Product: Checking or savings account

XXXX XXXX Fails to Respond to Complaint Filed, Sends PDF to Confuse CFPB
Product: Mortgage

To : Consumer Financial Protection Bureau XX/XX/XXXX Re : Account XXXX Property Address : XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX I am submitting my complaint to your Bureau with regards to unaccounted for payments. I have submitted previous complaints before to your office but was apparently just brushed off or ignored by XXXX XXXX XXXX. through their servicer Select Portfolio Servicing , Inc. ( SPS ). 

This time, I was able to get legal documentation copies that was submitted before in Court where the court dismissed their ( SPS ) charges everytime for being unable to account for a payment of XXXX payable to Select Portfolio Services dated XX/XX/XXXX. This amount would have paid off the full amount of the loan balance then. And now with interests that have piled up, it is up to over {>= $1,000,000}. 
I was never late in my mortgage payments since the mortgage was all paid for. 

Since then, XXXX XXXX XXXX., through their servicer SPS would quiet down and after six to eight months would start again their foreclosure procedure and this time using a different law firm to represent them. SPS have hired already 3 different law firms at different time intervals and each time the judge would dismiss their foreclosure case for their unaccounted for and unexplained payment receipt of {$510000.00}. 

Right now, SPS per their letter of XX/XX/XXXX is again starting the process of yet another foreclosure proceedings with a Trustee Sale date anytime after XX/XX/XXXX with a different law firm. I request that XXXX XXXX XXXX and Select Portfolio Servicing stop all this until this payment issue is resolved. 

I would like your office to please communicate directly with XXXX XXXX XXXX. to stop this harrassment.Their Modus of Operation has caused tremendous stress to the family. I am even forced to resort to a " SHORT SALE '' to avoid a foreclosure on my record. I have also requested a Forebearance but was denied. 

I am attaching herewith copies of important documents that was presented in Court 3 times with which the Court ruled each time in my favor. 
I look forward for your help in resolving this issue directly with XXXX XXXX XXXX. as SPS representatives are not even aware of these payment and court judgments whenever I discuss this with them. 
I look forward for your help as the bank is under your jurisdiction in resolving disputes. 
Thank you for your help. 

Sincerely, XXXX XXXX ( POA ) for XXXX XXXX *To CFPB ... .. If my document attachments can not be uploaded in your system, I will fax them to your office. I tried to upload already but I'm getting a " Fault '' warning.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I have been a victim of identity theft, resulting in several fraudulent accounts being added to my credit report without my knowledge or consent. I am requesting immediate action to address this issue. 

ACCOUNTS : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) An official identity theft report has already been filed with the Federal Trade Commission ( FTC ), and I am now requesting the removal of these fraudulent accounts to ensure the accuracy of my credit report.
Product: Credit card or prepaid card

i found out about the unathorized use of non personal information concerning XXXX  without my knowledge i sent actual written verifiable proof that the court did not furnish or know anything about this. 
i contacted lexis/nexis and gave them verifiable proof of this and they are violation consumer laws without giving me a fair and equitable response.i am the living natual consumer and i did not authorize the social security administration verbal or written to share any of my non personal information this is an invasion of my privacy and a violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ( " XXXX '' ) serviced our mortgage until XX/XX/2013. Our mortgage was sold to XXXX that month, after XXXX puller their business out of most of Maine. Prior to the transfer XXXX agreed to modify our loan to allow us to bring our payments up to date. We recently attempted to obtain a home equity loan with XXXX however XXXX continues to show our late payments on our credit reports. We have written to the three major credit reporting agencies and requested that they delete the negative item, but they will not do so without XXXX 's action. We have asked XXXX to remove the negative item from our credit reports, but the company refused to do so. Given the fact that XXXX has not serviced our loan in nearly five years, we feel that continuing to report a negative item to the credit reporting agencies only serves as an open ended punishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my Credit Report and notice their was some fraudulent activity on my file. I filed a police report in on XXXX XXXX, 2017 and an investigation began for Identity Theft. I called on XXXX, Transunion, XXXX and they placed a 90 day alert on my file. Each credit bureau assured me that once I send over the police report ; the 90 day alert will be change to a 7 year alert and all hard inquires and negative accounts will be removed. I applied for a rental and was denied ; I called the rental company to get further clarification. The Credit Bureaus did not place a 7 year hold on my credit report nor they did not delete the hard inquiries and derogatory accounts.
Product: Credit reporting or other personal consumer reports

FCRA 605B necessitates the eradication of any inaccurate accounts from my credit report. Can you verify the documents? Some listed accounts are erroneous, and it's unsettling.
Product: Mortgage

I have had incredible issues with CMC funding. 

Initially I made a principal reduction payment with my prior servicer and for over a month the company could not find my payment. They continued to call me for payment collection despite thousands of dollars missing in their system. 

My biggest issue is that as a consumer I don't feel like I have any out from this servicer. They don't take any action, don't follow up and obviously I still have to make my payment on time or I am hit with a penalty. 

They also double paid my property tax bill. I have asked for them to please get the county to refund it and for them to do an escrow analysis. Neither has been completed and every time I call in no one has any recollection or notes of the prior conversation. Again, with any other institution I would just terminate my relationship, but I can't do that here.
Product: Checking or savings account

I went into a bank and opened a savings account that was supposed to protect my account from being overdrawn. Turns out, the savings account was opened only in my wifes name and so this account keeps getting overdrawn. Not only that, but I am also late on all my bills and it may impact my credit! I am requesting to please reimburse the overdraft fees, and I will go into a branch and link this account to our savings account. Also, I had requested that at any time if this account is low, to pull funds from my other account ending in XXXX. 
These are the overdraft dates XX/XX/XXXX- Overdraft XX/XX/XXXX- Returned fee ( I did not authorize a XXXX payment ) ^^ Being charged over {$60.00} fee on an item I did not even authorize to charge. 
XX/XX/XXXX- Overdraft XX/XX/XXXX-Overdraft XX/XX/XXXX-Overdraft Also, monthly fees of {$12.00} would be waved if it was linked to our savings accounts.
Product: Credit reporting or other personal consumer reports

I't never happen to my account I am a good payer, and I also paying on time, please understand the late remarks on my report and paid as aggreed, I'll settle all the late remarks on my report, and I also don't want to had a bad record on to you please.
Product: Checking or savings account

It has been XXXX calendar days since SoFi has decided to close my account after I violated the deposit agreement ( deposited over daily {$1000.00} limit for XXXX deposits ). I was unaware of such a rule since they accepted the deposits. I have been getting conflicting information as well. When I try to use the chat feature or talk to an XXXX XXXX they state the account is only temporarily restricted however the phone agents say the account is being closed with no option for appeal or reopening. It has been XXXX calendar days and they have yet to close the account and mail me a check for the remaining balance. I contact nearly daily via phone and email and no one can tell me whats actually happening and how long Im going to be without my money.