23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My XXXX XXXX XXXX daughter, while away at school, was the victim of a financial scam. We have notified local law enforcement & the university. The complaint is that USAA Fraud without contacting anyone in the familly made an adverse action and has sent her to collection. USAA in bad faith has refused to provide us with a direct number to " Fraud ' stating that there is none. They also intially offered us an " appeal process '' and then stated there is no " appeal process. '' We have spent over 30 days trying to contact them to provide them with any information they needed to reverse their collection action. USAA has acted in bad faith and has refused to address this issue with us. The only people that " would answer their phone '' was Collection. The few front line staff that does answer the phone stated that they see this all the time, USAA is aware of it, they do not care and they refuse to take any action to protect their customer, the consumer.
Product: Student loan

I'm the co-signor on my daughter 's loan with Sallie Mae and she is currently on a re-payment plan with them ; however, Sallie Mae continues to call me for collection on the loans. Sallie Mae has also made phone calls to some of my relatives discussing payments needed on these loans. Now, Sallie Mae is stating the total debt is due and must be paid to them. I'm unable to pay the total debt amount. Even the payment plan that my daughter is paying them is a very high amount for a college grad.
Product: Mortgage

My daughter passed away on XXXX XXXX, 2015. She died from XXXX. She died intestate, my grandson asked me to be the estate administrator, so I hired an attorney and began the probate process in XXXX 2015. 
after her passing, I found out she had not paid her mortgage since XX/XX/2015.However, I could not take any legal actions ( list/sell the house, discuss issues with the lender ) until the court approved my letter of administration. It took over four months to get the court 's approval. I received my letter of administration in XXXX 2015. 
I listed the property with a real estate agent. She was not able to find a buyer. I recently hired a new real estate agent. he is actively marketing the property. We had XXXX open houses this week. However, interested buyers are very reluctant about entering in to a contract on a home with a scheduled foreclosure of XXXX XXXX, 2015.
Product: Checking or savings account

Texas workforce commission deposited my unemployment via direct deposits to a XXXX account, ( XXXX XXXX ), in XXXX, Oklahoma that I never opened. T.W.C. says they verified this account and the only thing they can tell me is the phone number, last four of account and routing number. The dates and amounts are XX/XX/XXXX {$8800.00} and XX/XX/XXXX {$7200.00} was deposited to a XXXX account... I am told by Twc the last four numbers on that account is XXXX and the routing number ends in XXXX. I called with twc rep. on three way TWC can hear them telling me that I didn't have an account there and said it was Chime who would have my account. Chime says they did not have one either. I have submitted my driver licences via email to chime as I was asked to do and I get the same response no such account. Twc says I am on my own unless the money comes back to them. Then XXXX says no..then sends me over to Chime... same response, NO account. XXXX number for XXXX and dont have one there they transfer me to chime..they say I dont have an account. Then I am left to call twc again and it just keeps going in a circle. I opened an account with Chime and tried to open a XXXX  but the bank is not local ... ..to see if they could find it.. When I try to sign in from my phone I get a womans account thats not mine. I have the emails if that helps. I have contacted Obudsman for TWC as I was told to do and I just get the XXXX  Run around. 

Blessings
Product: Credit reporting or other personal consumer reports

XXXX unable to get my updated credit score from Equifax using credit karma or Equifax.com, I called and they said theyre working on it .. Equifax says XXXX give us a call and give this code to the Agent : BLNK Your Equifax credit report and score are not available at this time due to a technical error. Please call XXXX XXXX at XXXX ( XXXX XXXX ). 
I called. XXXX said theyre working on it.!
Product: Debt collection

AS OF XX/XX/XXXX I HAVE NOTICE FRAUD ACCOUNT ON MY CREDIT REPORT Account name- LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX  XXXX XXXX XXXX 
Account numberXXXX  Date opened-XXXX  XXXX, XXXX Account type-Debt Buyer Status-Collection account. {$430.00} past due as of XXXX XXXX. 
Status updated-XXXX  XXXX Balance- {$430.00} Balance updated-XXXX  XXXX, XXXX Original balance- {$430.00} Contact info Name LVNV FUNDING LLC Address XXXX XXXX XXXXXXXX XXXX, SC XXXX Phone number- XXXX XXXX ) XXXX INCOMPLETE ACCOUNT # IS GROUNDS FOR REMOVAL AND DELETION 15 U.S. CODE 1681C-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft NOT LATER 4 BUSINESS DAYS AFTER DATE OF RECEIPT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2021 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}
Product: Checking or savings account

Ive been a customer since 2009 and Ive assessed so many fees. Ive reached out numerous times and no one seems to care or help. I know I have enough money in my account to cover my expenses and more fees keep coming. My account was frozen by Wells Fargo and my identity was stolen all in the same time period! I ask for team escalation and supervisor assistance but theyre not helpful. I get the rude representatives who say we dont waive fees anymore because how we know youre not lying or fraudulent. I was speechless!!
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXXAccount Name 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

On Wednesday, XX/XX/2018 I went outside to get in my car to go to work and the car was gone. I called the policy who informed me that my car was repossessed. They gave me the number to the place that took my car. I contacted them and they told me to contact the XXXX people. I contacted the XXXX   people who told me that my XXXX and XXXX checks bounced and they repossessed my car. I asked them what did I need to do to get my car back and they told me that I could not pay what I owed and get the car back because it was a new lease and the only way I can get my car is to pay the total worth of the car which is around $ 52k or get my own financing. They gave me the address to the place where my car was taken and allowed me to go get my belongings from out of the car. I spoke to 2 supervisors and both of them told me that it was nothing they could do. I asked them why wasn't I informed that my payment was past due in writing she said you were by the monthly car note statement. I asked well you don't send out letters stating that the payment is late and she said no they do not. The only correspondence they send is the monthly statement.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history XXXX XXXXl XXXX and all payments were placed on Autopay. 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 day
s before the payment due date. 


XXXX XXXX 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 consu
mer reports
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

LENDING CLUB CORP - XXXX account has been settled in full since XX/XX/2021, but they keep reporting inaccuracies on my credit report causing my XXXX score to drop.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I have previously sent disputed and the account came back verified. On XX/XX/XXXX I sent a Method of verification to the credit reporting agency for a chapter XXXX that is on my credit report. The agency received it and has failed to give me any results or verification. On XX/XX/XXXX I called and spoke with supervisor XXXX XXXX and asked him for the Method of verification, he said in order to verify it has to be verified through their original creditor or court system and since the courts dont verify with the credit bureaus They use their internal systems and that is their method of verification because it is public record. He then proceeded to tell me that it was my job to go to the courts and see if that was on my report because they didnt have to show me proof of verification.
Product: Bank account or service

I closed my bank account in late 2012. I found out yesterday ( I got a car loan with the same institution ) that my account was never properly closed out and was allowed to receive a deposit XXXX7 months after I thought I had closed it. I was unaware of this deposit because I was under the assumption the account was closed and deactivated. The bank then proceeded to take {$90.00} in fees from the account because it went dormant. When I requested a refund of the fees, I was told that since they sent me electronic statements, I would only get {$10.00} back. This is exactly why I left them in the first place.
Product: Debt collection

I am a victim of identity theft. Someone used my name and my social to open accounts with multiple companies. Now they are on my credit report and reporting under collections and as charge offs. I do not have any knowledge of these accounts and I do not know where they came from. I have reached out to the companies, and they are no help. I have filed an FTC report and I mailed a letter to the credit reporting agencies.This has not helped ; thus, these accounts are still reflecting on my credit report.
Product: Credit card or prepaid card

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on NAVY FEDERAL CU. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Student loan

I scheduled my second loan to paid off on XX/XX/2023. The loan was {$3500.00}. The payment was reversed but I never received an email or any other notification stating that there was an issue. Had I not logged into my account then I wouldnt have known that it had been reversed. The bank information I entered was correct because it was the same information I used to pay off the other loan on the account on XX/XX/2023. I specifically wanted to take advantage of not paying any interest on my loan, but since they reversed the payment I have to pay interest. I resubmitted my payment in full including the interest because I want to avoid more interest being added on.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureau ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove this inaccurate account from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to REMOVE any items listed in Identity Theft. Again, please remove this account immediately. 

XXXX XXXX  Original Creditor : XXXX XXXX XXXX A XXXX Balance {$2600.00}
Product: Money transfer, virtual currency, or money service

A friend sent me money to be moved so that her husband could use it on hospital bills and such over seas and the transaction was flagged by PayPal and is now on hold for 120 days. I have also been informed that I can no longer use PayPal as I am in violation of the user agreement. I have not been informed of what I have violated.
Product: Credit card

This discrepancy is causing unwarranted XXXX, and I urge you to rectify the situation promptly by updating my records accordingly.
Product: Checking or savings account

CHase bank closed my debit/checking account i went to the branch had numerous conversations on the phone they requested 37 paystubs from my employer which were provided the account is being investigated and that can take a long time but i was told it was closed and given a number to call the wait is impossible it has been a year they are witholding my pay from my employer please help
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, XXXX, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$33000.00} from XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year> According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$1100.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$520.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance {$1100.00} XXXX XXXX XXXX Balance {$3200.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX  Balance {$1200.00} XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX - XXXX XXXX {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Inquiry XXXX XXXX. XXXX, XXXX SUN 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 Inquiry : XXXX. XXXX, XXXX
Product: Debt collection

I sent a validation letter to Wakefield and Associates after i found something on my credit asking them to validate it. I sent this XX/XX/2022. It has been over 30 days and after 30 days they need to remove it off my report. The have not validated this debt or removed it. Please have them remove this debt as they can not validate it
Product: Credit reporting or other personal consumer reports

To minimize chances of identity threat or fraud, I have a freeze on my accounts at the 3 major credit reporting agencies ( in effect for several years now ). I received letter below from Transunion that my credit report was sent in association with a fraudulent application. 
I was never contacted by XXXX XXXX, who had made the request. 

My financial information and account information has now been sent to party that might engage in further fraud or identity theft.