23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have a ( 2 ) checking accounts and 1 savings account with USAA. They consistently Make money by charging me NSF fees on the account ending in XXXX. On more than 5 occasions I have had the necessary amount if funds in my checking account only to have them to refuse to pay an ACH payment from an outside vendor. They justify this by allowing me to make a deposit and then when the ACH charge comes in they tell me that the funds are NOT posted. USAA not only charge me a {$29.00} fee but the merchant then charges returned payment fees. I feel like financial institutions should not benefit or capitalize off of the struggle of the consumers. I DONT dispute NSF charges when I make an error, but USAA is taking advantage. If they are doing this to other consumers I can estimate that the amount of money they are making from consumer struggles to be in the billions. USAA claims to cater to veterans and their families but they are taking advantage of those same veterans and their families.

There are a lot of times when I schedule ACH payments from outside vendors on the same day as my wife, and I have payroll deposits into the account.
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX I called Wells Fargo and requested a loan modification. I was told I wasn't eligible. I was told Wells Fargo would Foreclosure on my house by representative. I had no where to go and was terrified everyday that the sheriff would be servicing me papers. After no help. I pack all my clothes and moved to XXXX, TN. It has messed my credit up due to the foreclosure. I have been able to buy a house since the foreclosure. 

After I left town I found out about the lawsuit against Wells Fargo. I would like to check to see if I am including in this settlement
Product: Debt collection

As per the landlord she went and filed the amount of XXXX, stating that she did it cause she thought I wasn't going to move out and did it so I could pay extra. I had moved out at the date I told her I would move out and she then went a couple months after I moved and told them differently so that she can collect this amount. I had already reach out multiple times to have this removed but she refuse due to her ignorance. 

Every time I dispute the amount the keep refreshing the date on the collection to make it look like its new and its from XX/XX/year>. I had moved out at XX/XX/year> and was in my new place when she filed this.
Product: Credit reporting or other personal consumer reports

I am writing to address a matter of utmost importance regarding my credit report, specifically pertaining to billing errors under 15 U.S. Code 1666 ( b ) ( 4 ) and ( 5 ), as outlined below : ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

Upon reviewing my credit report, it has come to my attention that there are multiple billing errors on my accounts, and I suspect a violation of 15 U.S. Code 1666 ( b ). As per my understanding, the creditor failed to notify me 21 days before with a statement, and as a result, there should be no late payments reflected on these accounts. I am formally requesting hard, solid proof from your institution 's records demonstrating that I did not make a payment and was consequently marked as late, as this appears to be a billing error. 

The specific account details in question are as follows : Account Name : XXXX Account Number : XXXX Late Payment Date : XX/XX/2023 I insist that these items be promptly updated on my consumer report to reflect the accurate status of " paid as agreed. '' It is my right as a consumer under the law, and I expect compliance within a reasonable timeframe. 

If these accounts are not updated or deleted immediately, I want to make it clear that I reserve the right to seek monetary compensation for the violation of my rights under 15 USC 1681n civil liability. I am prepared to pursue legal action in small claims court in my city and state. 

Furthermore, I have taken the initiative to involve relevant authorities by filing a complaint through the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission. This matter is of great concern, and I trust that your institution will address it promptly and rectify the inaccuracies on my credit report. 

I anticipate your swift attention to this matter and a resolution within the statutory time frames.
Product: Credit card

I stayed in a hotel on XXXX that ran a preauthorization hold on the card ( I paid for the actual stay in cash ), the hotel charged {$46.00} but the card placed a hold on {$70.00} the hotel batched out but the charge stayed on my account as a " pending transaction '' for over a XXXX  and now it is no longer showing as a pending transaction or a posted transaction it's just gone but the money has not been returned to my balance. The card did this with some smaller transactions ( $ {$11.00} XXXX  for XXXX XXXX and {$7.00} for XXXX ) they are stealing money since this is a prepaid card they are just stealing the money and it's disgusting. I want my money back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

On XX/XX/XXXX at XXXX spoke to XXXX XXXX XXXXXXXX mortgage department XXXX XXXX and he said a guy from XXXX XXXX XXXX XXXX is lying saying XXXX XXXX has Clear title using your loan XXXX  XXXX attached to a fake loan as XXXX for XXXX to XXXX XXXX XXXX dated foreclosure sale XX/XX/XXXX. 


The XXXX XXXX cash XXXX of my XXXX  checks I were informed by XXXX  around XX/XX/XXXX to go make police report and detective XXXX XXXX XXXX has the case XXXX and his last words to me around late XXXX were that my checks got caught up in the mail. I told him that around XX/XX/XXXX I spoke to XXXX in XXXX XXXX XXXXXXXX check fraud department investigator and he said that same fake SSN number he used on XXXX Police and the courts is what led to where he cashed your checks into an account known as XXXX XXXX XXXX in XXXX az same as XXXX XXXX support insurance person XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX just moved her office there a year ago XXXX XXXX XXXXXXXX did XXXX XXXX under fake XXXX really cash my XXXX checks into XXXX XXXX XXXX XXXX your employee XXXX XXXX
Product: Debt collection

Company name is RSG. They mistakenly think that I am someone else. I was issued this phone number over 4 years ago and am still getting debt collection calls and now threatening texts that they are going to contact my family members to get their money. I have told them repeatedly that I am not these people nor do I even have any idea who these people are. They persist.
Product: Vehicle loan or lease

I am a victim of identity theft I am a victim of fraud my ex husband, and his girlfriend XXXX XXXX XXXX  and other individuals has fraudulent used my information to obtain credit they have used my name, DOB, ss #, to obtain credit. My ex husband and I divorce and there were open loans under my name Mortgage XXXX XXXX  XXXX XXXX and auto loan Wellsfargo these loans were XXXX XXXX responsibility to pay and I was no longer had interest in these loans. I signed over all my interest and rights removing me from the responsible party. Wellsfargo has reported this loan on my credit report which is it to be remove next year but this needs to be deleted off my credit report immediately. My ex husband had forgery my name to obtain loans and was arrested I have sent supporting documents to XXXX, XXXX XXXX, XXXX concerning this matter. I'm a victim of identity theft. This needs removal off my credit report.
Product: Mortgage

I HAVE APPLIED FOR A PRE- APPROVAL LETTER AND WAS AWARDED THE AMOUNT I ASKED FOR, BUT I HAVE NOT USED MY LOAN YET, SOMEONE STOLE MY LOAN AND PURCHASED A HOME WITHOUT MY PERMISSION OR CONSENT. THEY USED MY CREDIT TO PURCHASE A HOME, AND THERE IS A MORTGAGE THAT SHOWS ON MY CREDIT REPORT, HOW CAN I REMOVE TI AND WHERE IS THIS HOME SO I CAN REPORT IT TO MORTGAGE FRAUD? THERE IS NO SHARED CREDIT ACCOUNTS.
Product: Checking or savings account

On XX/XX/year> I disputed two {$95.00} debit card charges on my sofi account. Sofi immediately cancelled the debit card and started a charge back with the merchant ( XXXX XXXX ). Within five minutes I realized I made a mistake and contacted Sofi to cancel the dispute. They said it was likely too late but they would try and let me know. On XX/XX/XXXX they let me know they successfully cancelled the dispute, no chargeback was sent to the merchant and the case was closed. On XX/XX/XXXX I saw that the chargeback did go through on the merchant side ( XXXX  ) and {$190.00} was deducted from my XXXX  account. No offsetting transaction occurred at any point through now on the Sofi bank account side. I have tried many times to reason with and attempt to get sofi to take action to correct this. They keep claiming there is nothing for them to do, they never sent a charge back request to the merchant and I need to follow up with the merchant. I believe sofi did send the chargeback request for a card that was cancelled. The merchant transacted it and sofi has failed to credit that money to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Your information may have changed since XX/XX/year> View your current credit report Account info Account name XXXX XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Individual Open accounts/written contracts : The XXXX statute XXXX limitations on open accounts and written contracts is XXXX years. Credit card accounts, loans that do not fall within the ambit of the XXXX XXXX XXXX, and debts arising under other written agreements all fall under the same XXXX year statute of limitations.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is stated : There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX and XXXX are consumer reporting agencies, and I am the consumer. I have the right to protect my private information from being shared. This right is further supported by 15 USC 6801, which declares : It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

A furnisher of information to credit agencies qualifies as a financial institution under this title. According to 15 USC 1681, Section 604 ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

Neither XXXX, XXXX, nor any furnisher of information to these credit agencies has my written consent to furnish or share my information. Furthermore, I revoke any and all consentverbal, non-verbal, written, implied, or otherwisethat may have previously been given. 

15 USC 6802 ( b ) ( c ) specifies : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

I was never informed by the furnisher of information to credit agencies of my right to exercise this nondisclosure option. Additionally, under 15 USC 1681c ( a ) ( 5 ) : Except as authorized under subsection ( b ), 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. 

This account is an adverse item being reported without my permission, which violates the law. Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) prohibits : Furnishing 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.

Additionally, 15 USC 1681e requires : Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. 

XXXX and XXXX are failing to maintain reasonable procedures as required by law. Lastly, under 12 CFR 1016.7, it is stated : A consumer may exercise the right to opt out at any time. 

I am hereby exercising my right to opt out of your reporting.
Product: Debt collection

1. Release or Satisfaction of Mortgage executed by XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, husband and wife in favor of American General Financial Services , Inc., given to secure the original principal sum of {$20000.00}, dated XX/XX/2007 and recorded on XX/XX/2007 in Official Records ( book ) XXXX ( page ) XXXX ( instrument ) MG 2007 XXXX XXXX XXXX XXXX XXXX New Jersey. 
NOTE : This Mortgage is an Equity Line Mortgage. A full satisfaction of same, together XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I'm not filing this claim in the 3rd person. I am a living woman who's privacy rights have been violated. The accounts listed below have reporting to my personal reports and has had a negative affect on my life extremely reducing the ability obtain any credit in my 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 Here is the organized list by dates and account names, with credit bureau names removed XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked these companies to validate and send proof that these accounts belong to me with contracts I signed in wet signatures. So far, they have not done this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was just checking my credit report and I see where a payment XXXX this account was late on XXXX 2019. I never made any late payments on this account. The information reported is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance and reportability of this listing. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month which inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit reporting or other personal consumer reports

The account appeared fraudulently on my credit report. It is not my account. I never opened an account with XXXX XXXX.
Product: Debt collection

For the XXXX XXXX XXXX  complex, I moved out on XX/XX/2019. Rent was only {$840.00} plus utilities which equated to about {$950.00}, which wasnt paid since I moved out for XXXX and XXXX. If thats only 2 months and I had a deposit of {$840.00}, nor did I have any pets or animals and I cleaned the apartment before I moved out. Theres no way I owe {$4000.00} for 2 months. There was no damage to the unit either and all keys and gate openers were returned. I feel that I am being over charged for this broken lease. I have intent to pay but only what I owe.
Product: Student loan

I consolidated my loans more than 10 years ago for PSLF. I have made payments for 11 years under a income based repayment plan. I have certified my employment with the same employer, the State of Ohio government, every year. Fedloan servicing decided they will not certify my employment for a period of time in the middle of my tenure at the State of Ohio, even though I have submitted certification for that time period multiple times as recently as XXXX. This has stopped my from getting PSLF discharge for more than a year. I have tried to straighten this out over the phone, they recognize there is a problem, but then do nothing to fix it. The two loans are consolidated and I make one payment per month, but somehow there are different payment counts on the two loans. I don't see how this is possible. I have documentation to back up my claims. I am fully eligible and have been for over a year. They refuse to discharge my loan or give me credit for my payments made.
Product: Debt collection

I recently had been working with a credit consolidation company XX/XX/XXXX-XX/XX/XXXX Because I had accounts that were not mines do to the open status dates. I was sure I did not open those accounts. Which after months of letters being sent out to XXXX XXXX which name is now XXXX XXXX XXXX. while checking credit after 30-90 days. It turned on all credit reports that the debt were dropped off my credit. because those accounts were not mine. That was in XX/XX/XXXX. Now its showing up months later on my credit report again.
Product: Debt collection

Dear CREDIT ACCEPTANCE CO  : XXXX ; In accordance with the fair credit reporting this account has violated my rights. 15 USC 1681 section 602 states I have the right of privacy. 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my early warnings report please see attachment documents for reference as it contains personal information
Product: Money transfer, virtual currency, or money service

This complaint is for Global Client Solutions ( GCS ) /Global Holdings specifically as their being a party to collecting illegal fees for the debt resolution company XXXX XXXX XXXX ( formerly know as XXXX XXXX ) After terminating our program with XXXX we became aware of FTC and Consumer Protection and Telemarketing regulations that we did not know about before prohibiting the collection of advanced fees. The basis of the complaint stems from facts discovered for a formal complaint about XXXX engaged in the practice of collecting illegal upfront fees and other fees not associated with enrollment fees or settlement fees and GCS being a party to these transfers to them. 

Several documents were discovered that filed legal action and judgments against GCS in the past for such illegal business practices. Attached are ( 4 ) items, a formal complaint and judgment that were initiated by the CFPB in the past as an example that GCS has participated in this business practice in the past and a copy of their payment schedule from our XXXX program and a copy of the statement for the first 5 months showing the transfer of advanced fees being charged by XXXX. This complaint is because GCS is still participating ( with XXXX ) in this illegal business practice, knowingly and willfully aiding in the transfer of illegal funds to debt relief companies. 

As GCS was ordered to stop these kinds of business practices with debt resolution companies and with a detailed process for them to evaluate a debt resolution company, it is apparent that they have disregarded any legal order and are still knowingly and willfully engaged in the practice of assisting in the transfer of illegal fees as they were with our program from XXXX, XXXX to XXXX, XXXX. This statement being from the fact that XXXX has been shown ( by the Wyoming Supreme Court ) to be a debt resolution company and not exempt from any FTC, Telemarketing and Consumer Protection regulations as they are not a law firm or do business as such. As outlined in the ( attached ) previous complaint against GCS the activities associated with that case are identical to the activities we experienced with XXXX, XXXX.