23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

USAA Banking Auto Loan Department keeps sending Collection and Late notices for XXXX XXXX XXXX which USAA totaled on XX/XX/XXXX. 

USAA sent Repro Agent by our Home on XX/XX/XXXX to collect the XXXX XXXX XXXX which was still at the Repair Shop XXXX XXXX XXXX XXXX. 

USAA totaled the XXXX XXXX XXXX on XX/XX/XXXX per their letter and has been sending Customer threatening letter regarding collection and repossession even after USAA totaled the Vehicle. 

Customer responded back to USAA on XX/XX/XXXX and informed them of the entire situation and the fact that XXXX XXXX totaled the Vehicle. The Customer notified the Bank first thing after the accident happened to ensure the USAA Bank was communicating with XXXX XXXX Adjuster to payoff loan as stated by XXXX XXXX ( Bank Officer ) and XXXX ( Adjuster ). 

USAA continued to let XXXX XXXX XXXX  XXXX complete repairs on a Vehicle they totaled. The total of repairs {$22000.00} on a Vehicle worth $ XXXX 95 % damaged and USAA wants the Customer to still pay the loan on a Vehicle which has lost over 90 % of it's value and now has a Totaled Title. 

The title and keys were sent back to USAA per their request so the responsibility of the Vehicle is with USAA since they took ownership and kept on paying the Shop even after the Customer told the Shop to stop all repairs on XX/XX/XXXX. 

Why does USAA Bank Auto Loan Department feel that the Customer is still responsible for the Loan payment on a declared Totaled Vehicle? Why did USAA not perform its obligation and responsibility to the Customer as stated in their Total Loss Letters?
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with XXXX U.S.C. XXXX and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) as evidence supporting my identity theft claim. As per XXXX U.S.C. XXXX, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX  XXXX XXXX  XXXX {$2800.00}
Product: Debt collection

I opened a Victoria 's Secret account on XX/XX/2013 and made XXXX purchase. The first bill was deliberately sent late so that I was required to pay a late fee. I wrote Victoria 's Secret a letter pointing out that the invoice was sent After the due date paid them the amount of the merchandise and cancelled the card. The company has continued to rack up finance charges and has hired XXXX to harass me relentlessly by calling. I made a mistake of writing a check to XXXX ( XXXX ) thinking that it was an investment account which made the situation worse and amped up the harassment. The charges are all conquered finance penalties that were wrongly charged from the beginning. 

Thank you for any assistance in this matter. 
XXXX
Product: Money transfer, virtual currency, or money service

I am filing a co

mplaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate 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 proce 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 these violations.
Product: Mortgage

What happen was I lost my job maybe XXXX  months or so but I been paying mortgage since maybe XXXX  mom and brother was living with me both passed so now I'm in a hardship and need help
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt isnt mine this is result of identity theft and I demand it be removed!
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 
XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

Hello, We know that we're victims of mortgage fraud dating back to XXXX. We've tried numerous times to obtain info/documents from Countrywide, Bank of America and XXXX XXXX  but we never received any material that would state clearly the documentation and how the funds added up to the current total. In short, we purchased our home around XX/XX/XXXX with XXXX Mortgage for {$240000.00}. We refinanced on XX/XX/XXXX with Countrywide Home loans for {$250000.00} and took out {$32000.00} cash out, bringing our total mortgage to ( {$280000.00} ). Sometime around XX/XX/XXXX they ( Countrywide ) called and said the rates had dropped and we could get better payment terms, so we went back and refinanced but we don't recall taking out a {$36000.00} line of credit ( never used ). Some kind of way on XX/XX/XXXX they processed another {$61000.00} line of credit and ( to this day we haven't seen a XXXX of this money either ). Then around XX/XX/XXXX they sold or transferred the loan to some company named XXXX. ( never heard of them ). Now the balance is .... {$470000.00}. This is all so confusing!

For many years ago we tried diligently to get information about from Countrywide and this XXXX  about this
increase but we " never '' got answers, so I continued to make mortgage payments because I would not have my family put in the streets, ( I was in XXXX from XXXX until XXXX ). 

After all these years we recently had an associate of ours find documentation about our loans and according to one of the documents we possess, we see that the loan balance increased to ( {$470000.00} ) when XXXX acquired the loan.

Since our associate finally took the initiative to help us, I'm confident contacting you is our only choice to get justice, so now finally we want to get to the bottom of this fraud. This is the first time in XXXX  years that someone actually attempted to help us, so now we need YOUR help. Please pursue this issue for us. We've been making payments since XXXX and our current balance is {$440000.00} and we've NEVER missed a payment in XXXX  years. Can someone please help XXXX XXXX  XXXX  out??? The numbers just don't add up for us on a {$280000.00} loan. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Veteran XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are student loans and a few accounts thats are not mine I have been disputing these accounts since last year XXXX 2020  and I have not received any word back from the bureaus or the furnishers. These accounts are not mine I have not signed or applied for any of these I dont even know what they are for. 

Account Name : DEPT OF EDUCATIONXXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to find incorrect accounts on my credit report this morning, and I have no clue how they got there. I checked my report, as I always do, but this time there were errors out of nowhere. I even refreshed my browser, hoping it was just a glitch, but nothing changed. The incorrect accounts stayed there after refreshing. I really need these documents reviewed thoroughly so that I dont have to worry about this again.
Product: Credit reporting or other personal consumer reports

I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 

I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 

Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 

Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 

I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue. 

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

My updated credit report from TransUnion was reporting a lot of inquiries that are not connected to me. The inquiries posted should not be on my report because I have neither inquired nor reached out to anyone of them. If TransUnion has made an extensive investigation about this, they should have removed all these inquiries. However, they have not their duties of either confirming the items and/or reaching out to me to notify. Here is the list of the unauthorized inquiries : XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX AXXXX XXXXXXXX  Date of inquiry XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX
Product: Mortgage

XXXX # XXXX and XXXX # XXXX Both of these loans were paid off in full on XX/XX/XXXX when they were refinanced into another loan with a more reputable lender. To this date XXXX XX/XX/XXXX ) I still have not received the over {$6000.00} they claim that they are mailing me. That would be 32 days I believe, not that I even believe their number as they illegally held 2 payments of mine in late 2020 claiming I had authorized some sort of forbearance or other plan I had never authorized in the first place. They are both dragging their feet on money owed to me and mis-stating the amount that is owed.
Product: Money transfer, virtual currency, or money service

I have been unable to access my CoinBase account. I am not receiving their " Device Verification ''  e-mails for whatever reason. 

The account had {$300.00} in it at the time, in Ethereum ( XXXX ETH ). Currently, as of XX/XX/XXXX, it is worth around {$700.00}. 

All below dates are in XX/XX/XXXX unless otherwise marked.. 

On XX/XX/XXXX, I created a ticket through their automated system. Receiving no response, I called them on XX/XX/XXXX and was automatically dropped due to high call volume. I called again on the XXXX, XXXX, XXXX, and XXXX. In XXXX, I called on the XXXX, XXXX, XXXX. Finally, on XX/XX/XXXX, I got through to someone. 

They looked up my account, and stated that they could transfer to a new account. I had already created a new account and requested this through e-mail, but having acknowledgement that this would work was good. I received no further correspondence on this until I called again on XX/XX/XXXX. I was told that I had to wait an unspecified amount of time for a specialist to handle it. 

I have e-mailed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX asking for updates on it, receiving nothing back.

I called again on XX/XX/XXXX, and was told to keep waiting. Waiting on this for such a long time, I believe it is unreasonable, especially given the lack of communication.
Product: Consumer Loan

I went to apply for a loan through a credit union only to discover that I had a repossession on my credit and was denied the loan. I had never had a car loan with this company. I contacted the company and they said I was the primary signer on the account. I asked them for a copy of the signed contract and any information regarding the account. They told me they did n't have a copy of the contract and would send me the paperwork of when car was sold at auction. They did n't have an order of repossession. The account was opened over 9 years ago and closed almost 6 years ago. I have never received anything from them. I told them that this is fraud and they said to contact their fraud department. When I called the fraud department it was a voicemail recording. I left several messages for them to call me back and now been waiting a month. I called the company several times and got conflicting stories with each new person. I was told to file a police report but I do n't have any documentation to suggests fraud or identity theft either way. The finance company would n't tell me the dealership for me to contact them directly too. I would think there has to be a paper trail somewhere. The finance company TD Auto Finance.
Product: Debt collection

The agency " COLLINS ASSET GROUP , LLC '' acting as a 3rd Party Debt Collector has sent multiple notices attempting to unlawfully collect on an alleged debt has provided no proof of claim, or certified contractual evidence signed between both parties proving your agency is in fact the Original Creditor, Owner, Servicer, Lender, Assignee, or Holder in Due Course of the alleged debt. The actions of " COLLINS ASSET GROUP , LLC '' at this time are in clear violation of the [ Fair Debt Collection Practices Act Section 805 ( a ) ] [ 15 USC 1692c ] as no prior written consent or permission has been given to your agency granting the right of communication in connection with this alleged debt or any other matter in fact. Furthermore, the agency " COLLINS ASSET GROUP , LLC '' has deliberately ignored a formal notice and DEMAND TO CEASE AND DESIST all communication made pursuant to the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] which was delivered by way of USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX on Saturday XX/XX/2020. In addition, " COLLINS ASSET GROUP , LLC '' has unlawfully and void of contract furnished inaccurate information to multiple Credit Reporting Agencies, thus violating the responsibility and duty to report accurately pursuant to the [ Fair Credit Reporting Act Section 623 ( a ) [ 15 USC 1681s-2 ]. Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against " COLLINS ASSET GROUP , LLC '' for Civil Liability pursuant to all applicable law. All rights are hereby explicitly reserved without prejudice and without recourse in regards to this matter.
Product: Vehicle loan or lease

Called many many times to request information for proof of LeinHolder status to the warranty company on file with them, to the warranty company XXXX XXXX XXXX XXXX ). They refuse to provide any information so that the warranty company can send the check for the vehicle from the proration of the cancellation. I have filed 3+ email requests across the departments Ive been told to email them too. Ive had workers straight up lie and say they will send the information. Ive been hung-up, disconnected, redirected, and have spent an exhaustive amount of time attempting to simply get proof they are the Leinaholder and an address to send payment so they can receive the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEVER OWED A XXXX XXXX OR A XXXX XXXX I NEVER WAS IN AN ACCIDENT ON XX/XX/XXXX ANOTHER XX/XX/XXXX A XXXX AND XX/XX/XXXX I WAS NEVER IN A CAR ACCIDENT ON THESE DATES!! I NEVER OWNED A XXXX OR XXXX... LEXISNEXIS IS LYING ABOUT ME. I NEVER OWED THESE CARS!!! MY CELL NUMBER IS XXXX. LEXISNEXIS HAS REFUESED TO REMOVES THESE LIES ABOUT ME. MY INSURANCE HAS TRIPPLED. THIS IS XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 inaccurate.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 *Personal info and account numbers removed for complaint* Subject : Opting-Out of Authorizations as a Federally Protected Consumer Dear XXXX XXXX, I am writing to inform you, as a federally protected consumer under the Fair Credit Reporting Act ( FCRA ), that I am opting out of any and all authorizations I may have given you, whether written, unwritten, verbal, or nonverbal, as outlined in Section 15 U.S.C. 1681b of the FCRA and 16 CFR 313.7 ( g ) ( 1 ).

As I exercise my rights under the FCRA, I kindly request that you immediately cease any activity or use of my personal information that was previously authorized. This opt-out applies to all current and future authorizations.

Please ensure that my personal information is removed from any databases, mailing lists, or any other sources used for commercial purposes. Kindly confirm in writing that you have implemented my request within thirty ( 30 ) days of receiving this letter. 
In compliance with federal regulations, I would like to continue receiving periodic statements and any llegally mandated communications regarding my account. However, any other uses or sharing of my information should cease immediately. 
I appreciate your understanding and cooperation in this matter. Failure to comply with my request may result in the violation of federal law, and I may be inclined to pursue legal action to protect my rights as a consumer.

Should you have any questions or require any additional information concerning this matter, please do not hesitate to contact me In writing only, at above address. Thank you for your prompt attention to this request.

Yours sincerely, *Personal Info removed for complaint*
Product: Credit reporting, credit repair services, or other personal consumer reports

In my credit report I have several inquiries which I did not make and I do not agree affect my credit score which have directly affected me.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. XXXX Better XXXX XXXX. XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.