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

I review my credit report several times monthly. On XXXX, I reviewed my credit reports and saw that XXXX XXXX added a collections item to each of my credit reports. This dropped my credit score 30 points. The original creditor was XXXX. I do not have an account with XXXX. I never received any type of notification ( written or verbal ) from this company of an outstanding debt. I disputed these items to be removed from my credit reports but they were only updated to show the balance due as {$0.00}. I paid XXXX.
Product: Checking or savings account

I am writing to file a formal complaint against USAA Bank regarding their unfair deposit hold practices, which I believe are designed to coercively force customers to enroll in direct deposit. I have experienced firsthand the unnecessary and burdensome deposit holds imposed by USAA Bank, which create inconvenience and financial hardship for customers who choose not to enroll in direct deposit. 

These holds have resulted in delayed access to funds, making it difficult to cover expenses and manage finances effectively. I believe that these deposit holds are a deliberate strategy employed by USAA Bank to pressure customers into enrolling in direct deposit, rather than offering a fair and transparent banking experience. 

While direct deposit is convenient, not all employers offer this service. Customers should not be penalized for this. 

As a consumer, I am deeply concerned about the impact of these unfair practices on myself and other customers who rely on USAA Bank for their banking needs. I believe that USAA Bank should be held accountable for their actions and be required to cease the use of deposit holds as a means to incentivize direct deposit enrollment.
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX responded with the following : which is not true and a misrepresentation ; Third, you allege Vital continues to unlawfully collect a debt. Vital received a letter from you dated XX/XX/XXXX that requested verification of the debt and requested that any communication with you or your family members should be done in writing. Vital complied with your request and sent written verification to you on XX/XX/XXXX. Furthermore, Vital also ceased collecting your account and cancelled the payment plan agreed to by XXXX xxx. Vital will no longer be contacting you or XXXX xxx about this account. I trust that this correspondence explains Vitals handling of your account and satisfies you that its actions were proper and lawful. Please do not hesitate to contact me with any questions you may have. Thank you for your courtesy. XXXX XXXX Manager of Compliance XXXX XXXX XXXX XXXX | P : ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, GA XXXX This Communication is from a Debt Collector. Enclosure ( XXXX ) : XXXX On XXXX XXXX, XXXX, Vital submitted an ACH payment of {$310.00} to my financial institution that successfully cleared onXX/XX/XXXX On XX/XX/XXXX Vital submitted another ACH payment of {$310.00} to my financial institution that was returned in correspondence of XX/XX/XXXX Vital did NOT comply with request nor did Vital cease collection activities. Financial institution will be providing a copy of the returned check dated XX/XX/XXXX submitted by Vital. Vital has continued to submit payments, although per the statement above per Manager of Compliance states that they had complied with request and ceased activities in turn causing financial duress. 15 U.S. Code 1692f - Unfair practices -- Violation ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument. Vital also states that " After a comprehensive review of the relevant call recordings for your account, Vital respectfully denies these allegations. '' But a lawful recording of an in-person conversation requires the consent of all parties. Mo. Ann. Stat. 542.402 XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the creditor Truist Bank has violated my rights with respect to reporting part of an installment loan payment as " 30 days late ''. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 Section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

jp morgan chase did a hard inquiry on XX/XX/XXXX without consent and they have locked access to account opened
Product: Credit card

I entered into a consumer transaction with XXXX XXXX In store i financed a new computer for work through them. Each month i made on time payments until around XX/XX/XXXX Where i completely paid off the financed computer in full. Then about XX/XX/XXXX all of a sudden, with out my knowledge or consent Best Buy gave me a 30 days late remark on my credit report, and then followed by a 60 days late penalty in XX/XX/XXXX. Confused and scared, i just made a {$69.00} & a {$81.00} payment in XXXX so that they would stop charging me before it stressed me out too much. But I was unaware what i was still getting charged for because i knew that the computer was paid off in full, but I was still being charged for something. On XX/XX/XXXX I spoke with a best buy rep to investigate why i had these 2 late payments on my credit report. The rep informed me that the late payments were for a XXXXXXXX XXXX  subscription. And that i'd have to contact XXXX XXXX to get it figured out. I didn't finance a computer through XXXX XXXX, and XXXX XXXX didn't give me a late payment. Now i was completely unaware that i financed a XXXX XXXX  subscription. I didn't even know that was possible. I never saw it in a finance charged, or was it explained to me that even once i paid off my computer that every year i'd still somehow finance a subscription renewal. I'm still very confused how a company so reputable could take advantage of people like this. These late payments have seriously stressed me out, and has single handedly caused XXXX XXXXXXXX. I was in the process of purchasing a house until these 2 late payments completely ruined my plans. This is a clear mistake, billing error, and could be considered fraud. I did not consent to financing a XXXXXXXX XXXX subscription for the rest of my life. I don't even use the software.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed Several complaints against this company XXXX XXXX XXXX they were located in Texas with no phone number and now south Carolina i have tried to call them with no success I have never owned a account with them, they keep putting on my reports as a opened account with a newly closed date of XX/XX/2020 this has negatively affected my credit making it go down yet again every time 75 to 90 points they did this around XXXX as well this is ridiculous that a company or collection agency can fradulently do this this is illegal please remove this from my account as this is incorrect information i have never had a world finance account. if it was a old collection account they bought they are still illegally reporting that it had been open in good standing and closed both times in XXXX and now XXXX with is a illegal refreshing of my account which now is two incidents this is unacceptable
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( XXXX ) Balance {$8000.00} Opened XX/XX/year> Ive spoken with XXXX quite a few times on this manner and given the run around. I informed them that this account and/or loan was opened fraudulently in my name. I have filed a police report on this manner as well.
Product: Vehicle loan or lease

To whom it may concern, I am writing in regard to the below referenced accounts and transactions. 

Account:XXXX  This vehicle was repossessed by Exeter Finance LLC in the State of Florida on or about, XX/XX/XXXX, and resold on or about XX/XX/XXXX. 
Under the laws of the State of Florida UCC XXXX and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 

If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies.

Best Regards,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to this company to remove a unauthorized inquiry that was made without my consent, nor did I receive or apply for credit with this company and they have not sent me any proof of such request and failed to respond.
Product: Mortgage

In XX/XX/XXXX I signed a mortgage modification Subordinate Note and Security Instrument with Bank of America. In XX/XX/XXXX XXXX  XXXX XXXX foreclosed on me. Bank of America presented documents that were not the original documents I signed. To bring your loan current, the FHA will advance funds ( Partial Claim Amount ) on your behalf to the owner of your first mortgage. In return, so the FHA can eventually recover that amount, you must sign a zero-interest subordinate promissory note and subordinate mortgage ( Partial Claim Mortgage ) by which you promise to pay the Partial Claim Amount to the Secretary of Housing and Urban Development ( HUD ). In the court Bank of America presented a document that claimed they were the ones I owed through a promissory note that I never signed. I told HUD about the promissory note and they said they did not have a record of it. I emailed copies of the promissory note and HUD had Bank of America remove them from the note and I never signed a different one like Bank of America presented in court.
Product: Money transfer, virtual currency, or money service

PayPal Inc intends to make valid an electronic transaction for {$XXXX} paid to XXXX XXXX which has been disputed, cancelled and still after almost 3 months denies the possibility to XXXX XXXX to refund such money owed through the same means ( PayPal ) which was made to make such purchase alleging that PayPal Credit has not cancelled such dispute and therefore notified PayPal Inc impeding the whole refund transaction to take place.
Product: Credit card or prepaid card

I noticed a mass amount of fraudulent transactions posted to my account. When I noticed these accounts I immediately notified Netspend Customer service ( XX/XX/XXXX approximately XXXX XXXX CST ) and reported what I had found out. Per the request of customer service person I spoke to ( XXXX-Rep # XXXX ) she said it would help with the investigation that I file a police report with the local departments. Due to the fact that these fraudulent transactions happened in two different counties I had to file 2 different police reports : XXXX XXXX TX Case # XXXX XXXX TX Case # XXXX CLAIM # Netspend XXXX Report # XXXX Here are the transactions that I did not perform, nor did I give any person permission to access my bank account, debit card or PIN. My card in question has been in my possession 100 % of the time, so I am not sure how these fraudulent transactions even happened. Is it possible for a fake card to be made? How does the magnetic strip of the card get duplicated? Should n't this be something an ATM Machine notices? I never check my balance via the ATM because of charges I use my app on my phone. <P/>XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$100.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX {$0.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$0.00} XX/XX/17 XXXX XXXX FREEWAY XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$140.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX TX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX TX {$200.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE {$0.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE {$0.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE XXXX XXXX XXXX XXXX {$0.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$2.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$100.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$1.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$1.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} On XX/XX/XXXX I heard back from Netspend telling me that they completed their investigation and were NOT going to refund me my money due to the non-consistent usage of the card. I have called 8 times to Netspend talking to supervisors and get the same story. I then called XXXX they own Netspend and told them my story. They sent an email to the escalation department at Netspend with my concerns and again they did not refund my money. I do n't understand with 2 police reports still in process how this company can come to a conclusion so quickly! This is {$1500.00} that was taken from my account-needless to say I am VERY upset with the way Netspend handled this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my final attempt at resolving this issue before taking legal action. I've spoken to the company directly at least 3 times & I've disputed with the credit bureaus. Capital one informed me that these inquiries would be REMOVED from my report within 90 days but they still remain. CAPITAL ONE XXXX, XX/XX/XXXX, XX/XX/XXXX. CAPITAL ONE AUTO FINANCEXXXX  XX/XX/XXXX. All these inquiries were not made by me.
Product: Credit card or prepaid card

My identity was stolen to use to open Barclays XXXX  card I was aware of the opened in early XX/XX/XXXX. I contacted the company and agreed to pay the outstanding principle and asked to close down the account at time of payment. Fast forward, XX/XX/XXXX I received another statement from the company with a new balance. I immediately called to find out why theres a new balance and the account hasnt yet closed? The representative admitted companys error and said sir, youre not responsible for this. We ended the call. I assumed the company had failed to close down the fraudulent account I initially requested to be close back in early XX/XX/XXXX which led to additional activities on the card. At this point I thought the problrm had been resolved. Fast forward XX/XX/XXXX, I received a collection statement of unpaid balance from Barclays XXXX card. I call the collection and told them my story, the representative told me to call Barclays. I call Barlays and explained to them what happened and provided information to assist their investigation. I ask them one important question : why was the fraudulent account open after I made the full payment and requested it to be close in XXXX? Barclays investigative team couldnt answer the question and failed to accept their mishap and told me they cant provide further assistance to resolve this matter because the account has sold to collection agency, and I need to talk to collection agency. WHAT?!!! Im mad, disappointed and disgusted with Barclays.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies on my account. This is hurting my ability to obtain credit. It is my understanding that transunion will investigate this account further for me to ensure accuracy. Here is the account that I am asking you to verify as accurate : XXXX XXXX  # XXXX
Product: Mortgage

RE : Loan Number XXXX Shellpoint Mortgage Services Phone : XXXX XXXX Fax : XXXX Agent that service that case XXXX XXXX XXXX ( XXXX ) XXXX Borrower XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX I requested at end of the XX/XX/2020 to send me payoff letter and mortgage assignment letter so I can refinance my home I need mortgage assignment letter to arrange for my existing lender to assign, or transfer, the mortgage to the new lender.so I  dont have to pay the states mortgage recording tax all over again. 

I have received a payoff letter but i have never received mortgage assignment letter My attorney sent to Shellpoint Mortgage Servicing mortgage assignment request I filled and signed it. My attorney submitted that form to the Shellpoint Mortgage Services beginning of the XXXX and it seems went in vain. Multiple calls and requests to confirm mortgage assignment and letter from Shellpoint Mortgage Servicing stating it are disregarded. Promises to call back and resolve that issue also not delivered. I feel hopeless. 

Taking into consideration now days situation and my financial status I'm asking you help me in this situation. 
Thank you so much for your consideration and attention to that matter. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX ( XXXX ) XXXX
Product: Mortgage

In XX/XX/XXXX I put my house up for sale with XXXX XXXX. I was told it would take anywhere from 3 to 6 months to close on new home and find rental for my family. 

My realtor has been communicating with both XXXX XXXX XXXX  and Wells Fargo during the entire time. Things with a buyer were moving along nicely when covid hit. We had completed inspection and appraisal back in XXXX when COVID hit. We alerted both companies of our desire to continue to short sale and try to do the best for each company. 
In very early XXXX my buyer had a job shift as wages were removed and he no longer qualified. When Governor XXXX lifted the stay at home order we moved on to buyer 2 which we had in back up. 
Within 2 weeks we got in contract, out of contract, inspection and appraisal completed. as of Friday XX/XX/XXXX I was notified my attorney received the escrow for first deposit. So we are proceeding strongly and effectively now and expect a XXXX end of month close or soon there after depending on the speed of XXXX. 
What has spurn my complaint is XXXX has listened to the federal government and not reported further late payments since covid. They have understood and shown great compassion and patience. They have been a good servicer and really looked out for my interests. 
On the other hand Wells does not give a hoot about me or my family, they want their money. This obvious attitude caused me to stop paying them as they were non flexible to allow us a modification and said NO outright after putting me through hoops and making me wait and wait to just say no, your wife 's income is too much to qualify. 
I repeatedly told them her gross and her take home are vastly different because she carries the medical expense, daughters car payment, 403B loan, and other deductions. They simply said we work on the gross. 

OK, on XX/XX/XXXX via regular mail I received a letter from Wells dated XX/XX/XXXX before the stay at home was lifted that stated that my account has been moved to acceleration program, meaning they will report a charge off and the entire balance is due. Again not listening to federal government this was reported to the credit agencies. This tactic is against all covid customers and our in ability to sell a house during COVID is the reason this was executed. 
I am attaching the letter for you to see and the contact we have as well. 

.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX  and XXXX are erroneously reporting false addresses names and social security numbers on my credit report. I have filed a request with the 3 bureaus and provided them with my drivers license, social security card and proof of residency and requested to have this inaccurate information removed immediately. Experian, XXXX and XXXX  have failed to remove these items and is in violation of the fair credit reporting act. The information that must be removed is as follows Address Ive never lived at : 1. XXXX XXXX XXXX XXXX XXXX UT XXXX 2. XXXX XXXX   XXXX XXXX, UT XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX 4. XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX, UT XXXX 6. XXXX XXXX XXXX XXXX XXXX, UT XXXX I request these address and every variation of these addresses be removed from my report. I have never lived at any of these addresses. I DO NOT KNOW OF THESE ADDRESS. 
SSN that are not mine that show on my report 1. XXXX 2. XXXX I request these SSN numbers be removed from my report Phone numbers that have never been mine. 
1. XXXX 2. XXXX 3. XXXX I request these phone numbers be removed. 
Spouse Name : 1. XXXX This person is not my spouse. I request this name be removed from my file. I do not know this person. 
Names : 1. XXXX XXXX is not my name. I request this name be removed from my report.
Product: Debt collection

XXXXXXXX XXXX sent my medical bills to Alliance debt collections without my notice. Alliance started to call me everyday and was told I could only pay in two large amounts. Then alliance put my medical debt on my credit report. Now everyone who does my background check for my credit can see my medical debt. I thought this was not legal for medical bills. Thank you. The amount is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit report through Experian, XXXX and XXXX Credit Bureaus. Despite my numerous attempts over an extended period, these fraudulent entries persist, adversely affecting my credit standing and causing significant distress. 

The presence of these fraudulent items on my credit report not only poses a direct threat to my financial well-being but also raises serious concerns about the security and accuracy of the credit reporting process. I have attached supporting documentation for each attempt made to rectify this situation. 

I understand the importance of maintaining accurate credit information and the impact it has on my ability to access financial services. Therefore, I request your immediate attention and thorough investigation into the matter to rectify the fraudulent items on my credit report.

Conduct a comprehensive review of my credit report to identify and rectify all fraudulent entries. 

Provide written confirmation once the fraudulent items have been successfully removed. 

Investigate the source of these fraudulent entries to prevent similar incidents in the future. 

I trust that you recognize the urgency of this matter and its potential implications for my financial well-being. Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX, GA XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$5200.00} XXXX XXXX XX/XX/2023.