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

XX/XX/XXXX a loan was approved through USAA financial services in the amount of {$15000.00}. I notified USAA that I never put in for a loan and how did it get approved without my knowledge. On that same day several transactions were made in my account where money was taken out that I never had in my account. USAA also approved another loan for {$9500.00} on XXXXUSAA locked my account and my husband joint account. By this time the scammers had taken over {$56.00} over a XXXX  day period and USAA approved all those transactions.Enclosed are Disputed amounts that USAA supplied to me supporting my position that I am a victim of identity theft, and Loans that was created without my knowledge. 

{$7300.00} Date XX/XX/XXXX XXXX XXXX - {$2300.00}, - $ XXXX {$2500.00} {$2000.00} Merchant USAA Federal Bank- XXXX XX/XX/XXXX, XXXX transactions of {$1.00} each {$20000.00} Merchant USAA Federal Bank- XXXX XX/XX/XXXX : - XXXX XXXXXXXX $ XXXX {$1000.00}, - XXXX XXXXXXXX {$1000.00} : Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$2500.00} XXXX XXXX USAA federal Saving {$600.00}, - {$600.00} USAA Federal Saving {$2500.00}, Merchant XXXX XXXX XXXX  {$980.00}, USAA federal Bank - {$3800.00} Date XX/XX/XXXX USAA Federal Saving Bank- {$600.00}, XXXX XXXX XXXX {$650.00} Date XX/XX/XXXX Merchant USAA Federal Savings Bank- {$400.00}, - XXXX XXXXXXXX {$1000.00} XXXX {$1000.00} twice Loan Disbursement of {$9500.00} XX/XX/XXXX from USAA Posted to my account, I did not approve and had no knowledge of. USAA approved this Loan Loan Disbursement of {$15000.00} XX/XX/XXXX from USAA Posted to my account, I did not approve and had no knowledge of. USAA approved these Loans and debit transactions at different places in XXXX that the XXXX department stated. USAA said in XXXX that we were victims of Identity theft and we were not guilty. Then in XXXX XXXX USAA came back and said they did more investigation and found me guilty of stealing XXXX of those debit transactions that were made. After sending them the police report and telling them I had no part in any of this USAA still refuse and charged my account with - XXXX. Since XX/XX/XXXX I have been waiting for my Social Security XXXX to be approved. XXXX XXXX I was favored my XXXX and USAA took from me XXXX because SSD deposited the money into the wrong account. I have asked USAA to return it back to SSD and they refuse to return the money. USAA have taken my XXXX money on top of all the loans they approved for scammers to take without my knowledge. This has been so stressful and Sicking to me that I have had to get medical help for XXXX XXXX XXXX, stress, not sleeping and mental stability due to the bank ( USAA ) and all the pain they have caused me.Identity theft, scammers, are real and it can destroy a person. These banks don't care who they hurt and do not protect the consumers. We have been with USAA for over 25 years and now all of a sudden, we are thieves and scammers in their eyes. Please help me I am searching for answers and getting my money back and clearing my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXXXXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX refuses to report XXXX of my latest 's secured credit cards from fifth third since I opened them in XXXX of this year XXXX, and Equifax refuses to update my latest credit score I have been reporting the same credit score since XXXX Equifax reports my scores reading XXXX which I feel is discrimination, I have tried speaking with several customer service representatives and provided the necessary documents need to update my credit file to receive my truly genuine credit score on my credit profile. I feel that this is discrimination. this is crazy that for the last 2 years my credit score with Equifax has not moved at all, it's like Equifax is purposely doing this to prevent me from receiving the best score I deserved as a young XXXX man. And XXXX has not reported XXXX major credit cards that i have had since XXXX of this year XXXX. Please help
Product: Money transfer, virtual currency, or money service

I made a wire transfer from XXXX XXXX XXXX XXXX XXXX ) to an account at JP Morgan Chase ( Chase Bank ) on XX/XX/2022. The account and recipient information was verified. The account holder is someone that I know that lives out of state. After the funds were transferred out of my account the beneficiary never received the money. Somewhere along the line there was an issue with the account number. JPM either held the money or put it into an incorrect account. This would be something that they should have resolved within 24 hours and returned the funds to me since the account that they put it in and the beneficiary information did not match wherever the money ended up. 

I have filed numerous amendments and countless recalls. XXXX has not received any XXXX message traffic from Chase in weeks. The beneficiary has made numerous inquiries with Chase. They have told him that that the money should be returned within 2 to 3 business days. That was over a week ago and they have still not updated XXXX  via XXXX. They told him on Friday when he called that there is nothing more that they can give him and that I need to continue to escalate the recall with XXXX, something that I have done since this whole process has started. Apparently there is nothing more that I can do according to XXXX  They are unable or unwilling to make direct contact with Chase in order to obtain a status update. 

I am now without my money for a month and have nothing to show for it and I'm trapped between two banks that are each blaming the other for the lost money.
Product: Credit reporting or other personal consumer reports

I HAVE MADE MULTIPLE REPORTS AND YOU EXPERIAN ARE IN VIOLATION OF ( 15 u.s.c. 1681 ) : I reviewed my credit report recently and noticed an account that was not reporting accurately, I had an INCORRECT LATE PAYMENT MARK on an account that I in fact paid on time. Here is the Account details with an INCORRECT LATE PAYMENT MARK. According The consumer reporting fair credit reporting act ( 15 u.s.c. 1681 ) agencies, MUST report all information with complete accuracy, this account has not been late on payments I have attached a copy of my report to this complaint on the following date ( XXXX ) for account : XXXX XXXX, XXXX I'm now requesting you EXPERIAN , NOW IMMEDIATELY UPDATE this account and update the payment on ( XXXX XXXX, XX/XX/year>, XX/XX/year> ) FOR XXXX XXXX XXXX , to paid on time immediately BEFORE FURTHER LITIGATION PROCESS. Thank you for your understanding and prompt action.
Product: Credit card

In XXXX 2012 my son opened a credit card with Discover, it was a student card. The card had a {$1500.00} limit, that summer he went to Florida and proceeded to charge an additional {$700.00} over his limit ( Discover allowed him to do this ). I am not even sure they checked his employment to be sure he could afford to pay off that kind of debt. When it came time to make payments on the card I had to get involved to help assist him with this debt, I had called Discover on his behalf and they needed approval from him for me to speak on his behalf he said that was ok. Meanwhile Discover added me on to the account as an authorized user, the way I found this out was the other day I was checking my XXXX account and they said out of XXXX payment XXXX were on time the XXXX that were late were Discover card payments. I do not have a Discover card in my name, I reached out to XXXX and XXXX, XXXX said they would dispute it for me, I could not get a hold of XXXX XXXX. I am asking for assistance to have Discover remove me off of my son 's account that I never approved them to do and to remover the XXXX late payments off of my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX 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
Product: Mortgage

I have been dealing with this issue since my Fathers passing in 2021. 

XXXX Homes were left to me, at the time of his passing the homes were in the Hero 's act forbearance which required a loan modification when it was complete to reinstate the mortgage and make regular payments. 

Since then the bank and their hired counsel have given mixed info and several times during the proceedings even breaking CFPB federal guidelines ( including right now which is what prompted me to file this complaint ) Currently I have a loss mitigation complete packet in underwriting which suspends the foreclosure proceedings, however the banks counsel continues to push for a motion for strict foreclosure. 

" Restricted Dual-Tracking : Under the CFPBs new rules, dual-tracking when the servicer moves forward with foreclosure while simultaneously working with the borrower to avoid foreclosure is restricted. " My first question would be to ask how is this enforced? I ask because it seems to be happening as if this law does not exist. 

To muddy the waters even further the bank and I was even able to speak to the underwriter said the foreclosure status is suspended and this should NOT be before a judge, however it is.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, have reviewed my consumer reports and noticed theres inaccurate information on my credit report.. 

( Original Creditor : XXXX XXXX ) ( Collection Agency : TrueAccord Corp. ) Account # XXXX Consumer reporting agencies have assumed a role and responsibility to report consumer information to the best of their ability with maximum accuracy. This is the law according to the FCRA. 

I have contacted ( Original Creditor : XXXX XXXX ) ( Collection Agency : TrueAccord Corp. ) Account # XXXX and asked for them to investigate and remove the inaccurate account from my consumer report that they are illegally reporting and have requested the original application bearing my signature. Such proof clearly hasnt been provided. This is a violation of the FCRA. This disputed item should not appear on my consumer report. 

( I have provided a preponderance of evidence that the account does not belong to me and is a direct result of identity theft. )
Product: Money transfer, virtual currency, or money service

I have a XXXX XXXX account and was heavily encouraged to use the Zelle feature on their online mobile app. I have spoken to several representatives who assured me throughout the pandemic that it was a safe and effective way to complete transactions. in XXXXXXXX XXXX XXXX I made a plant purchase deposit of XXXXXXXX XXXX and In XXXX I made two payments of XXXX XXXXXXXXusing Zelle on my XXXX XXXX XXXX app as I have normally do. I was supposed to receive the shipment XXXX. when I didn't receive it I called my bank by the XXXX of XXXX to explain the situation. they put a claim in for this and told me I would receive a correspondence on how to proceed. I did not receive correspondence so I called again XX/XX/XXXX. they closed my claim without even telling me why. no correspondence. I filed a new case which they did the same thing. finally in XX/XX/XXXX I call again, XXXX XXXX file another claim. XX/XX/XXXX I called to see what progress was made, I was transfered to more than 6 representatives before one representative said the reason XXXX XXXX kept closing the case is because they are a separate entity from Zelle and I need to speak to a Zelle customer service representative. the Zelle representative said that they as a company contract with all major banks to allow the banks customers use the product for free, but at what cost? I was shocked and confused because I was told so many times that Zelle part of XXXX XXXX banking system. not separate. the marketing of Zelle as one in the same with banks on the app is gross and unfair. they did not disclose that they are not fdic insured on the online app. it says " Send and receive money securely- all you need is an email address or mobile number. '' I feel robbed, cheated and blindsided. I was not made aware that this was not secure and not protected by insurance. if they had made this clear I will have used different means to complete my transaction.
Product: Credit reporting 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. 

Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX FIN Account # XXXX, XXXX Account # XXXX, Bankruptcy Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX  XXXX XXXX. Balance : {$6500.00} ; XXXX XXXX XXXX .... Balance : {$3100.00} ; XXXX XXXXXXXX .... Balance : {$960.00} ; CALIFORNIA XXXX XXXX XXXX Balance : {$6000.00} ; XXXX XXXX XXXX  XXXX Balance XXXX {$2800.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; CALIFORNIA XXXX XXXX XXXX/XXXX/202 ; XXXX XXXX XX/XX/2021 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two fraudulent accounts have been posted on my credit and I have No association with these accounts. Ive been battling with the debt collections and telling them this is not me and its fraudulent. Its NOT my name nor my information that they have and it needs to be removed. The two fraudulent accounts posted are : XXXX   XXXX, fraudulent balance : XXXX, alert date : XXXX. 
XXXX XXXX XXXX, fraudulent balance : {$880.00}, alert date : XXXX. 

These accounts are not mine and need to be removed. Ive never worked with any of these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information on my credit report with Transunion. checking my file ive noticed all of invalid data that is hindering my credit report. please update and correct all listed information to clear my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) Thecreditors 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 thecreditoron a statement.

As I know the creditor didn't notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 
XXXX XXXX XXXXXXXX As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, StateAttorney Generals Office, XXXX XXXX XXXX andFederal Trade Commission ).
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit colllection company has been reporting to the credit bureau every 3 days about a derogatory account. This is illegal. They said their policy is to report every 7 days. I want to know how many times legally can a collection company report to the credit bureau? Seems a little excessive. So basically instead of charging daily interest they report to the credit bureau every 3 days killing your XXXX score?
Product: Credit card or prepaid card

YOU NED TO RE-INSERT THE FOLLOWING ACCOUNTS ATTATCH TO MY DOCUMENTS, I NEVER FILE A FRAUD ON MY REPORT. I'M BEGGING YOU. YOUR THANK YOU YOU FOR YOUR ATTENTION.
Product: Credit reporting or other personal consumer reports

i have fradulent and inconsistent information on my credit reports on all 3 credit bureau XXXX ( 3 ) Hard inquiries XXXX XXXX XXXX on XX/XX/2023 XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX {$480.00} i have no knowledge of these accounts are they were fradulently opened and unauthorized. 

XXXX Hard inquiries XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Collections XXXX XXXX XXXX {$5000.00} XXXX XXXX {$1400.00} no knowledge of these accounts, collections and inquiries, all fraudulently done i have disputed all these with the bureau
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is wrongfully appearing on my TRANSUNION credit report.They are collectors for XXXX XXXX. 
At my only ever visit to XXXX XXXX  I needed to have a XXXX XXXX.I pa.id {$200.00} cash at the time of service.I also had a XXXX XXXX.I provided my XXXX government insurance card and was told that I was paid in full for the part of the work not covered by insurance.I received a prescription for XXXX, that insurance paid for. 
The debt is fraudulent.
Product: Student loan

My student loans were consolidated in XX/XX/XXXX so that I would be on an Income Based Repayment Plan and have my loans forgiven after 120 payments. I began making payments to XXXX from XX/XX/XXXX to XX/XX/XXXX. My credit report does not show any payments from XX/XX/XXXX through XX/XX/XXXX. That is 34 payments that are missing from my grand total to receive debt forgiveness after 120 payments. That is also {$9200.00} not credited to my account plus any interest I may have accrued. I have my bank statements showing that I made all of these payments. 

Also, when I call FedLoan servicing they are saying that I was on the wrong Repayment plan to receive loan forgiveness in XXXX and XXXX. FedLoan is the company that serviced my loan in XXXX and helped me consolidate them so when they sent my loan to XXXX they should have told them I was on an IBR plan.
Product: Money transfer, virtual currency, or money service

I can't withdraw my money just because I don't have a social security I don't understand then why they let me buy crypto and today that I need my money it won't let me withdraw it
Product: Checking or savings account

The business Checking and the Chase Unlimited credit card was opened on XXXX XXXX. To fund the checking account while waiting for the card to arrive, I accepted payments from paying customers through XXXX. XXXX XXXX at about XXXX I received an email saying both accounts were restricted and may be closed due to needing more information from me and or other issues. I opened both accounts at one of the Chase branches. My customers were able to XXXX me, one of my customers had to XXXX another account of mine I wanted all of my business funds showing up into XXXX account so I XXXX myself the funds that I had just received from a customer. My last customer wasn't able to XXXX me which was on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to correct this matter with reporting agency and have been denied of my rights numerous times. After initial communication on XX/XX/2021 of inaccurately information on my credit report. Company failed to even investigate. Stated Company reporting the information has made known over recorded lines that they did not receive permissible purpose or consent or nor did they investigate before hand of reporting information to my consumer report. I've recorded lines I have made it known to the reporting agency of the facts herein. Reporting agency refuses to remove these accounts from my report causing me stress and ultimately the right to extend credit as this is impacting and hurting my credit file during verification from lender 's. I have record of duration of calls and screen shots of account reporting to my credit file inaccurately without permissible purpose or consent. Holding company at fault for civil liability. 
I spoke with supervisor by the name of XXXX ( i.d # XXXX ) and also advised him of the injury stated company was causing me and the possible violations due to injuries. 
FTC HAS BEEN FILED