23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On, or about, XXXX XX/XX/XXXX I logged into my USAA account and saw a new message. This message is labeled Provide your information to Claim Funds ( dated XXXX XXXX XXXX, attached ). I opened the document and saw that there was an unclaimed check that was issued to me on XX/XX/XXXX for the amount of {$1200.00}. The document noted that I needed to respond by XX/XX/XXXX to avoid the unclaimed property from going to the state of Connecticut. The document had a form to fill out with information regarding how I wanted the funds delivered to me. I denoted that I wanted the funds deposited in my USAA checking account. I mailed the requested information to USAA. I do not know the specific day that I mailed the requested information, but it was early in the month of XXXX. I had several phone conversations with USAA regarding this document as described here : XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), XXXX XXXX ( XXXX min ), and XXXX XXXX ( XXXX hr XXXX min ). These phone calls revealed that the form was to avoid escheatment of these funds. During the phone call on XXXX XXXX, the USAA representative confirmed that they have my signed form in their system denoting how I want the funds deposited in my account ( logged in USAA XXXX on XXXX XX/XX/XXXX ) and that the funds can take up to 60 days to be deposited in my account ; based on this, the funds should arrive in my account by XXXX XX/XX/XXXX. The funds were still not in my account by the end of XXXX XX/XX/XXXX, which prompted me to call USAA again on XXXX XXXX On XXXX XXXX I spoke to XXXX representatives who all tried to find the document I was talking about. We eventually learned that the funds were issued from the Mortgage Department at USAA, but they could not locate the check nor issue me the funds. They also informed me that USAA received my signed document on XXXX XX/XX/XXXX ( which should have started the 60 day counter from there ). The best they could do is credit the funds to my account, which will take another XXXX business days for the funds to arrive in my account. I have no confidence that these funds will be deposited to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, 2023 Having informed Reporting Agencies that my request to, Per the FCRA as a Federally Protected Consumer, I am now opting out of any and all Authorization I the consumer may have given you Written, Unwritten Verbal, and non Verbal per 15 USC 6802.
Product: Debt collection

I have been with USAA for over 18 years. Clean driving record with the exception of the last2 years. I had three claims with them. The first was after my sister died and I moved to XXXX. I skinned my car with turning on to a lower floor and this was accident forgiven? And no one explained that accident forgiveness still gets put on your record to help raise your rate. The next in XX/XX/XXXX I was rear ended after doing an Open House going towards XXXX not in XXXX. The third in XX/XX/XXXX I turn out of the garage below ground level from XXXX XXXX when a suv was turning in. I had no choice and skinned my car on the upper turnout. The adjusters on my XXXX case were terrific! But here is the kicker. They raised my rate {$300.00} for the 6 month premium because they could. For me that is no explanation and I requested to know why they put such a high marker on the renewal. Again they refused. I looked at their rating and it has slipped to an XXXX i called the Dept of Insurance for Auto in XXXX  and they told me that they should answer me in writing. Here 's the deal When you become a Senior and retire you do not lose your mind. Especially things like this. Shame on you Mr. XXXX XXXX I also got a threat from a claim adjuster XXXX  XXXX from your company Now I have reduced my coverages and one day they add up to XXXX and the next day XXXX This is the matter of two days. Your advocates tell me that is how it is. Now when I had three year olds they would not accept. this. My attorney gave me this address. I feel that the middle accident that I had been rear ended and ended in the hospital. My attorney got my case handled quickly and also USAA gave me a settlement and I Immediately paid off my car, my car insurance and my charges. All went to USAA. 
And I am not the only one who has experienced this. This is not ethical nor honest and I am a retired Realtor with Active License for the State of Il and never did this. In 37 years never a complaint against my license. 



Let me know if you can handle this before my Attorney does. 





Well I finally found out I was right about your company. You have no ethics. The answer came from another company rating my auto. Unbelievable, You paid out money for my XX/XX/XXXX claim where I was rear ended and injured. Went to the hospital and therapy. this could be for the rest of my life. The surcharge is based on what you paid out on that accident. Shame on this company for saying you have ethics. I have substandard coverage now with USAA but I will warn all those who think your company is ethical. Funny thing the money my attorney got from your company to me went right back to your company. Unbelievable. No Ethics at all! Except your dollar bill! 
Thank You that I now feel assaulted. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a car from XXXXXXXX XXXX in XXXX XXXX XXXX from XXXX XXXX store XXXX on the XXXX day I had it I had problems with it taking off every time I stopped like no power XXXXXXXX XXXX said they couldnt do anything it was over the XXXX day or XXXX miles warranty so they told me to call the warranty and they said I could take it to XXXX XXXX in XXXX and have a diagnostics run on it I did they said the whole exhaust system needed replaced that it was dangerous it was leaking everywhere possible and I ended up paying for the diagnostic warranty company wanted me to take it superiors in XXXX and they said the same my exhaust system the whole thing needed replaced so I called the warranty company XXXX XXXX and they agreed to let me change vehicles only if I signed their agreement which was I was to hold them for no liability for damages or personal damages which I told them I couldnt sign I have dr bills hospital bills and been out of work for carbon monoxide poisoning since XX/XX/2022 and I am having for pay XXXX dollars a day for the rental and insurance on rental which they wont pay this has caused me to be behind on my rent which never happened before this situation and Im still at my stomach daily taking medication for that but not helping much headaches dizziness and memory issues can you help me Im suppose to return the rental car today by XXXX which means I have no way to the doctor or hospital XXXX thank you
Product: Debt collection

XXXX XXXX XXXX has willfully reported to the credit bureaus an account without first verifying if the alleged debt is mines by properly sending correspondence to verify the debt. They claim they mailed correspondence which I never received by mail. USPS has lost mail in transit due to carrier mail issues. I have spoken with the local supervisor from the USPS for XXXX and it was confirmed scanned informed delivery which I get a preview of mail was lost in transit. XXXX  XXXX XXXX is stating I called them and I did inform them I had seen a scanned image of upcoming mail but the mail was lost in transit and never delivered to my mailbox. Under federal law I have a right to dispute all alleged debts. I received a uploaded document from the CFPB from them and immediately disputed the debt as involved in fraud case by mail to them. They have failed to remove the reporting from the credit reporting agencies. Under provisions of the federal law the FDCPA states, the if debt collector does not verify the debt, it is not allowed to continue collecting the debt from you nor can it sue you or list the debt on your credit report. XXXX XXXX XXXX is assuming the correspondence was received which it was not. I discovered the actual alleged debt from an uploaded document they sent again to the CFPB. This is now my second attempt for them to comply to the law. After the the fourth attempt I will be seeking other legal remedies. This company from numerous XXXX   complaints have a history of ignoring federal laws and continuing collection activities this is why I am getting the CFPB involved in https : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Collections & Outsourcing from XXXX, MD incorrectly reported information to XXXX  that negatively impacted my credit application and needs to be rectified urgently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that a line by line investigation of my inaccurate accounts be done immediately. My information is still reporting inaccurately on my credit report ( s ), and is not In Accordance With the Fair Credit Reporting Act. I am very disappointed that I have to request corrections on my report again. The information listed below is a violation of my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Incorrect Accounts : XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX Bankruptcy : Bankruptcy Reference. Incorrect Name : XXXX, XXXX, XXXX, XXXX. Correct Address : XXXX XXXX XXXX XXXX, FL XXXX. Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX. 
Correct Address : XXXX XXXX XXXX, XXXX, FL XXXX. Incorrect Employment : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX. It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681a-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; XXXX XXXX  Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # XXXX XXXX  Acct # XXXX XXXX Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX Dept.Of Education/XXXX  Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXX XXXX. Acct # XXXX XXXX XXXXXXXX XXXX Inquiry Date XX/XX/2021 XXXX XXXX XXXX Acct # XXXX has violated my rights. 

15 U.S.C.1681 15 U.S.C.1681 section 602A : States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

This account should be removed from my file, it has been over 7 years.
Product: Credit card or prepaid card

On XX/XX/XXXX we became aware that someone had ordered a copy of my credit card to be sent to NY, a state I don't live in nor have ever lived in. I called CapitalOne right away and told them to cancel the card. They agreed to cancel that card and issue a new card with a new number. I also complained about the {$16.00} " Fast Card Fee '' and was assured that it would be refunded to the account. 

I never received a new card. The next thing I know I get a letter saying that they investigated for fraud and determined that there was no fraud and that I am responsible for the charges. I also received a bill for the same card number, which was never cancelled, with thousands of dollars charged to the card for transactions I do not recognize. Moreover, I received notice that they closed the account for violating the terms of the agreement, which damaged my credit score. 

I called CapitalOne again right away ( XX/XX/XXXX ) and asked why this was allowed to happen as I told them to cancel the card more than a month ago as soon as I realized someone had ordered a card fraudulently. No explanation. They agreed to open a case at that time and start investigating. 

It has now been over two weeks and I am still getting the run around. My account is still closed, my credit is still affected. None of this should have been allowed to happen. If CapitalOne had closed my card on XX/XX/XXXX as they said they would do, all of this could have been avoided. 

As if this weren't enough, CapitalOne claims that they did not send the first letter saying that they investigated and have no record of the case number on that letter. We called a phone number in that letter and gave the person on the phone sensitive information. I have twice sent this letter to CapitalOne 's abuse department for confirmation that it was indeed a fraudulent letter but they have not responded to that either
Product: Mortgage

XXXX XXXX has been negligent in a Short Sale. 
They requested documents that were sent to them. It wasnt until after 10 days and our party reaching out to them to see what was going on that they canceled the short sale. When asked why they said insufficient documents. Not once after documents were submitted did they say the documents were not sufficient. This is negligent, seems intentional. Any time you asked to speak to a manager they tell you to call there number. 
A supervisor reached out to me at XXXX EST. Said he would call me back tomorrow during the day. He called me today at XXXX EST. After not getting anywhere. After I explained to him multiple times to explain to me how someone is suppose to know thedocuments are not sufficient if they never tell you theyare insufficient. If I was trying to get a mortgage fromthem they would tell me instantly these arent the correct documents. They wouldnt just deny the mortgage. Anytime you asked him a question it was either silence or something completely off topic and no actual response to question. When I asked to speak to his manager he replied I will call you tomorrow and then hung up.
Product: Prepaid card

On XX/XX/XXXX I went to ATM location at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR, XXXX. I request withdraw in the amount of {$1000.00} USD from machine. An error message appeared only momentarily and said hardware malfunction error -- your cash has been retracted. The money dispenser never opened and I never received money that I requested yet the ATM still debit my card this entire amount of money leaving me in a desperate financial situation, causing both emotional distress and physical distress, I have not showered in a week, I can't pay bills or even buy simple daily essentials to survive on. Nearly my whole benefit deposit is gone. Ok so first thing I do is go into the bank next day during opening hours. They absolutely do nothing for me, they tell me to go call the number on the back of my debit card and file a dispute ( with ) XXXX XXXX. I go ahead and do so but still over a week later neither XXXXXXXX XXXX nor XXXX XXXX has refunded my account. I call XXXX XXXX daily and there is absolutely no updates for me. I have repeatedly asked for a provisional credit to be applied to my account and they continue to draw this out as long as they can. My claims are not being taken seriously, there is a great deal of lack of urgency as this is not a small amount of money, this is a {$1000.00}. This is not ok.
Product: Mortgage

On XX/XX/XXXX I initiated a payment in the amount of {$570.00} to Specialized Loan Servicing ( SLS ). The payment was sent electronically from XXXX to SLS. I pay the same way every month. 

I checked the SLS website to budget for my XX/XX/XXXX payment and it showed the payment was past due I contacted SLS on XX/XX/XXXX and spoke with XXXX, XXXX. He told me to email proof of payment to customer service and the ticket could not be resolved until XX/XX/XXXX. 

I contacted XXXX and they sent me proof of payment, with trace numbers and the date the money was cleared by the SLS XXXX XXXX - XX/XX/XXXX. 

I sent the XXXX letter with the details, proof of the {$570.00} deduction from my checking account to XXXX On XX/XX/XXXX I spoke with XXXX, XXXX, and he said they were having trouble posting payments. I asked for a supervisor and was transferred to a voicemail that could not accept messages. I faxed a letter with proof of payment to XXXX, the fax for disputes provided on the SLS website On XX/XX/XXXX I spoke with supervisor XXXX XXXX. He saw the proof of payment attached to my account records. He said he would forward to the cash correction department and flag my account not to report negative information to the credit bureau XX/XX/XXXX I sent another fax to XXXX with proof of payment XX/XX/XXXX I received another collection call. They wanted me to make another payment for XX/XX/XXXXand my XX/XX/XXXX payment. 

XX/XX/XXXX I sent a certified letter using the CFPB Error Resolution Notice under 12 C.F.R. XXXX to XXXX. XXXX XXXX XXXX, CO XXXX XX/XX/XXXX, I decided to make the XX/XX/XXXX payment again and the XX/XX/XXXX payment while the error resolution process continued. I paid {$1200.00} using the one-time payment link on their website, run by Official Payments. 

XX/XX/XXXX, none of the payments are posted to my account and they continue to charge late fees. The error resolution date of XX/XX/XXXX has passed.

I have paid the XX/XX/XXXX payment twice and the XX/XX/XXXX payment electronically, all with proof of payment from financial institutions. A total of {$1700.00}. I can not get anyone to acknowledge, respond or correct this issue. I continue to get collection calls.

May concern is if this continues it will lead to ruined credit and foreclosure. I need someone to contact a person who can review the proof of payment and apply the payments I have made
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX Alleged Amount owed XXXX No actions have been taken XXXX XXXX XXXX XXXX XXXX amount owed XXXX No actions have been taken I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I presume that no proof of the alleged debt nor there for any such debt in fact there for exist. In this particular case this matter should be eradicated and resolved to a XXXX balance. All negative reporting 's should be removed from all credit profiles immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter last XX/XX/XXXX to remove the items listed below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., 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 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
Product: Debt collection

I have written Portfolio Recovery and made calls asking them to cease all contact. They sent a letter to me acknowledging my request. On XXXX/XXXX/XXXX at XXXX XXXX XXXX Portfolio Recovery ignored this request and contact me via phone which they were not allowed to do. Portfolio Recovery has violated FCRA and I demand they stop contacting me regarding a debt I do not owe. This debt is not valid and they continue to contact me even after they have been told not to.
Product: Credit reporting or other personal consumer reports

I am writing you because I saw some things in my credit report was inaccurate. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : Account Name : XXXX Account Number : XXXX Reason for Dispute : They reported a charge off to my credit report month after month, but the account has only bee charged off one time. This is inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information.

" Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports. 
Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification. 
I appreciate your prompt attention to this matter and look forward to your detailed response as it is required by law.
Product: Debt collection

XXXX XXXX XXXX XXXX  claims it was open XX/XX/year> it was written off and it still shows a balance and want me to pay i have receive mail asking for payment and reporting. according to fcra section 605b illegal reporting
Product: Mortgage

During the last recession, like many Americans my husband ( at the time ) and I lost our home. It was a difficult time for many. And it takes years to recover. Seeing the 'foreclosed ' debt drop off my credit report in XX/XX/XXXX was what I thought to be a brand new start. I was going to own my own home again someday. Then XX/XX/XXXX I received a notice from an attorney that I was being sued for our XXXX mortgage that had a balance of $ XXXX, PLUS interest and Attorney fees now totaling an amount of over XXXX. This is nearly 9 years later. I 'm not an attorney nor can afford to hire XXXX. While I responded to the Attorney immediately I did not send it to the court and now have a judgment against me. 
I 'm a XXXX year old single mom of XXXX. I work hard, XXXX jobs sometimes to make ends meet and to provide for me and my family. This will now haunt me for at least another 10 + years. 10 if I just file for bankruptcy and possibly up to 20 years if I do n't. What good is the statute of limitations if they can do this? How are we not protected? The Obama Mortgage relief plan is helping some ... .just not those of us that paid the price 9 years ago. 
Wells Fargo bought/acquired the loan at some point. When I have no idea as the original lender, XXXX XXXX XXXX XXXX has gone out of business and it was the one reported on the credit report. I have NEVER until XX/XX/XXXX received anything from Wells on this old debt. 
Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.