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

On XX/XX/2022 I called USAA about two accounts trying to be added onto my checking account for money transfers. I was told an investigation was going to ensue as a result. I did not allow for any money transfers to occur. On XX/XX/2022, I noticed that there was a {$10000.00} deposit in my checking account. I called USAA to report this as a fraud as I did not deposit any of this money. As I was on the phone with the representative, another XXXX was trying to be deposited into the account. The representative was helpful and stated that the deposits were being made in XXXX XXXX, Texas from an XXXX ( which I do not own ). Then there was {$10000.00} transferred to my daughter 's account, {$5000.00} transferred to an unknown account, and {$5000.00} transferred to my son 's account ( from my account ). Then a {$10000.00} check was deposited into my son 's account and this money was transferred out of our account to two unknown accounts. I continued calling USAA fraud department and they locked our account. They had corrected the account and I felt that the fraud investigation was completed. I was able to use my account after it was unlocked. The account then was locked again and I called USAA to ask about this and they stated that the checks that passed through bounced and I was responsible to pay this back. I filed another fraud investigation and the account continued to be locked. I called USAA again and they stated that all previous investigations were canceled. They did not understand why this was. Three new investigations were started for each account. I called to find out this update and was told they were exercising their right to no longer do business with me due to fraudulent activity on my account. I filed an appeal and they are still finding that they no longer want to do business with me and I have 60 days to pay in full the money from the checks. In the last appeal, they notified me that I can bank with them as long as I pay back all the money that went through the account. I get calls daily about the account being in a negative balance and my wife 's direct deposits have been confiscated. They told me that I gave out my login information for this to happen. My savings account has had money taken from it to cover charges. I contacted the church 's where the checks originated and they had checks stolen and put stop payments on them ( churches are in California ). The signatures do not match. USAA stated that it was a full account take over and all emails were changed and fax was added to the account. I have no knowledge of the fraudulent activities, reported it and am now being called daily to repay over {$22000.00}. I have already paid over {$5000.00} due to USAA confiscating paychecks and money from my savings account. However, they have left {$10000.00} in my daughter 's account and they are threatening to report me to the credit bureaus if I do not pay this back.
Product: Debt collection

My credit report shows several accounts that I believe were added without my permission. I urge you to address these discrepancies and remove the fraudulent entries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX who is submitting this CFPB complaint myself. This account is reporting late as reported in Experian. Lets correct this immediately. Experian is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX )
Product: Debt collection

RE : VALIDATION ; CEASE AND DESIST Dear HALSTED FINANCIAL SERVICES, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 

Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 


Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by 3 credit bureaus. Despite sending them the complaint. I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my report. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is ( still ) reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : Inquiry included in dispute : XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXXXXXX XXXX Inquiry Date XXXX
Product: Vehicle loan or lease

I bought my vehicle with XXXX in XXXX. We bought the car at our most desperate. We're a small veteran family and unfortunately didn't have the best credit. We ended up getting approved by America Credit Acceptance. We agreed to refinace the car so we don't end up paying an arm and leg with the interest rate. We hit a few bumps here and there and had to put a few payments on the back of the contract. In XX/XX/XXXX when COVID hit I XXXX out for the state on the frontline and despite being in chaos have made my payments .In XX/XX/XXXX, I made a total payment of {$2200.00} in 3 different payments to get current on my account. My payment with the company is {$830.00} I didn't miss any payments with the company since XX/XX/XXXX. I believed my payments were being applied to the loan amount. I decided to get a different car in XX/XX/XXXX and came to find I still owed a large sum. I decided to refinance the car but was declined because of the amount i still owed. I made the car payment before the 30 day. American Credit Acceptance reported my payments late. Keep in mind I am still XXXX at this moment so it's extremely frustrating asking to go make calls and sit on the phone 30-45 mins at a time to argue about a payment that was not late but was being reported late and hurting my credit. We were in the middle of trying to get qualified for a home loan and this was hurting our chance because despite not being late on any of our bills this was being reported late. My payoff quote as of now show XXXX. Less than 2 months ago my pay off quote was {$30000.00}. It seems like despite making the payments the amount seems to be increasing. Last month i paid {$870.00} when every month my payment has been XXXX for the last 2 years. This month again they are charging me XXXX with fees of {$81.00}. It seems like my monthly amount has increased and so has my pay off despite not being late on payments. By the time i finish paying off the car I would have paid almost {$60000.00} for a {$29000.00} car. I made a XXXX downpayment which is not showing on my transaction with the company.
Product: Credit reporting or other personal consumer reports

This account was listed as a insurance claim on XX/XX/year>. All the information that is being reported to the credit bureaus is inaccurate. XXXX XXXX XXXX XXXX hasn't sent none of the information to me that they keep reporting to you in the feedback. They did not provide the original XXXX nor did they send me a offer letter. I can't access this account on their website because they locked the account years ago. They have been sending the corresponding letters to the online portal and not the address I have on file. So, therefore I never received letters from them via postal mail. 

15 U.S. Code 1679c I have the right to dispute inaccurate information on my credit report. 
Since XXXX XXXX XXXX XXXX has reported inaccurate information on my credit profile that is not verified or accurate it has to be removed. The reporting of this account is wrong and all the dates are wrong. Also, they didn't ask for my permission to report this account to the credit bureaus. I want this account removed immediately. 15 usc 1681s-2 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. 

15 USC 1692g they did not provide the correct validation of this debt if the debt was paid off by the insurance company.
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Jefferson Capital for an old XXXX XXXX I am disputing the validity of this collection and the reporting of it because while I did previously have a XXXXXXXX XXXX I requested that it be cancelled. I recall receiving an email confirmation that my request was honored and that I had a {$0.00} balance. Per XXXXXXXX XXXX instructions I returned all the equipment. To date, I have not received a call, text, or email stating that there was an outstanding balance. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX Balance Owed : Balance Owed : XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$4000.00} XXXX  XXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$2300.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$3300.00XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  Balance Owed : {$2300.00} XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX Balance Owed : {$290.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX Balance Owed : {$3300.00}
Product: Credit card or prepaid card

My credit card with the account number ; XXXX XXXX XXXX XXXX was fraudulently used at a merchant named ; XXXX *XXXX XXXX   XXXX XXXX GA in the amount : {$2100.00}, {$2000.00}, {$2100.00}, {$2200.00}, {$2200.00} and according to the card terms and agreement, as I customer I am covered with 0 % fraud liability but my account was shut down and Elan financial Services are asking me to pay the amount of XXXX one also my account was shut down because they claimed I didn't responsibly handle my credit card properly which is no where in the agreement. I lost my card during the XXXX XXXX XXXX protest in XXXX, my wallet and ID And other credit card were stolen and this is something I don't have no control over. I am being treated unfairly and I feel intimidated/ discriminated against cause if I were to be a white customer I believe this situation would have handled a little differently.
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 to be removed/updated.

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 XXXX days before the payment due date.

I have requested proof that this information was mailed or delivered XXXX 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!
Product: Credit reporting or other personal consumer reports

My name and personal information have repeated been reported with false information. Previous attempts with proof of identity provided have been ignored. Addresses that I have no knowledge of are continually being reported with these companies. Associations are listed on my credit file with pupils I have no knowledge of, in states I do not reside in. I am a victim of identity theft which is documented with the IRS, and this proof has been verified. These inaccuracies have caused extreme hardship and has led to my subsequent state of homelessness. These companies malicious and willful acts of dismissing the law continue to cause undue hardships. Please assist me with resolving this matter. Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that my credit file has been used to obtain accounts fraudulently without my permission at the following companies : XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Are you the original creditor? 
Have you given the debtor the opportunity to review the original contract? 
Have you validated the home address for the debtor? 
Have you complied with all FRCA and FDCP and FDCPA laws? 
Have you reported to the consumer who all has reviewed the original contract Have you provided the names of all creditors that have provided names and addresses of the individual person who has reviewed consumer relations?
Product: Credit card or prepaid card

PayPal credit will not handle resolve my XX/XX/2021 {$330.00} purchase dispute and reverse the purchase back to the merchant. The recent statement Paypal has provided to me about my purchase merechant agreement with the merchants return policy is something I have never seen this before/during my purchase with this particular merchant? The merchant is just creating this policy any providing it to PayPal in order to avoid my dispute/return.
Product: Debt collection

The company LVNV posted a debt collection to my credit report. This debt doesnt belong to and I sent written communication via certified mail requesting proof of this debt. The amount is XXXX. The account number is XXXX
Product: Debt collection

i notified the company XX/XX/XXXX that i had been a victim of identity theft for a account that was opened on the date of XX/XX/XXXX in the amount of {$1100.00}. I told the company to please stop contacting me via calls and forwarding me mail regarding the fraud accounts. The company stated they conducted a investigation and that the account were valid and continued to call me and threat me via a 3rd party collection company ... they have been using disrespectful abusive language ( saying they will come and find me, and they will make my credit drop to XXXX tomorrow ) and i will no longer allow this. I no longer feel safe at my home address. The company has stated they do not care and i owe the amounts so they'll call as much as they like..i sent the company my FTC Report and i sent they information for my Identity Theft. I have also just sent a letter to the Attorney General over this matter.
Product: Checking or savings account

On XXXX I ordered some stuff from XXXX. it was {$14.00} something.. I had a hold on my debit card for {$68.00}.. but it wasn't a charge. I called my bank and asked them to remove the hold.. They said I disputed the transaction and deactivated my card .I told them that I authorized {$14.00} and to not deactivate my card but they did anyway.. 

Wednesday XXXX the money from the hold was released back into my account. The charge for {$14.00} for XXXX still went through ( eveb though it wasn't fraudulent ). I haven't had access to the money in my account for 4 days because the bank deactivated my card. 

I asked the bank to please reactivate my card or allow me to use the transfer money button in the wisely app. They won't reactivate my card or allow me to transfer my money to another account.. 

The bank said that I have to wait an additional 7 to 10 business days to receive a new card and I would have to wait to receive the new card before I can have access to my money.. My paycheck will be deposited into this account by XXXX. I going to be denied the use of those funds as well.. Unless I want to pay {$35.00} for an expedited card. Which is ridiculous.
Product: Credit reporting or other personal consumer reports

THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRNSACTIONS DONE BY ME.
Product: Student loan

Ive requested ECSI and XXXX several times to provide a copy of all master promissory notes justifying the XXXX XXXX  loan and all its terms and conditions. Both XXXX and ECSI are refusing to provide master promissory documents. They refuse to communicate. They also pass the issue to each other. The XXXX XXXX XXXX loan I have with ECSI is invalid as their is no proper master promissory notes for the full amount. They only have one electronic signature from me for the amount of XXXX XXXX They do not have any proper master promissory notes to my knowledge. I do not have a username, password with them or account with them. They are completely invalid and they been aggressive with mailing me. They do not provide me a copy of master promissory notes and without them the loan is invalid. They refuse to communicate and cooperate and clarify. The whole loans with them is invalid because it does not have a master promissory note and does not have terms and conditions. I do see that previously a report was filed in this, however they did not answer it and they did not cooperate. Id like to ask CFPB to please kindly take over at this stage with proper resolution since ECSI loans are invalid except maybe XXXX $ of it. The rest of XXXX XXXX  does not have terms and conditions. ECSI has no right to threaten to collect a debt when there is no terms and conditions. They can not force a payment. I am currently unemployed and ECSI loans are invalid. They refuse to cooperate and communicate. They did no respond to previous reports via CFPB and they have limited time left to answer.
Product: Debt collection

We are receiving calls daily from a company called, Pioneer Credit Recovery.
Their number is XXXX. I finally called them because they would not stop calling. The recorded message sounded shady so we never called the number until we finally had enough. I spoke with someone named XXXX. He asked me if the number I was calling from was this number. Then mention me by my first name, but then asked me for my name. I asked him why he did n't know my name since he knew my first name. He then said they we were listed as a possible landline number linked to a person that we have never heard of. They 're look to collect for her apparently. I told him to take us off of their call list, and if they continue I would report it to the FCC, ( not being sure which federal agency would be able to help me ).
He, ( XXXX ), then accused me of threatening him by saying that I would report his company to the authorities, FCC or now FTA. Through additional searches on the internet I found many other who have been wrongfully contacted by this company. This to me is unscrupulous and probably illegal. I do n't want to receive these calls anymore. I have no debt other than my Truck payment, which I am way ahead of. Can you please help me and the other like me?
Product: Credit reporting

XXXX XXXX placed duplicate inquires on my credit file, as well as my husband XXXX XXXX XXXX ' credit file for a joint credit application, over 2 consecutive days last year. This resulted in a total of XXXX inquiries for the both of us for the purchase of a XXXX pickup. The dealer, XXXX XXXX did the first credit check, resulting in XXXX hard pulls in XXXX XXXX on our reports. Then, XXXX had duplicate inquiries on each of our credit files for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. We did not authorize duplicate hard credit pulls. We only authorized XXXX. The duplicates may have been due to my husband 's credit alert from a prior identity theft, I 'm not sure. However, the truck purchase should not have resulted in XXXX hard pulls between the XXXX of us. 
Regardless, we contacted XXXX who sent the attached letter dated XXXX/XXXX/XXXX, stating they would notify the credit bureaus to have XXXX of the duplicate inquiries removed from each of our credit files. Equifax has failed to remove the inquiries on both of our reports to this date. I filed a dispute online on XXXX/XXXX/XXXX with Equifax , stating I did not authorize the duplicate inquiries on my report from XXXX XXXX XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Equifax sent me the attached email stating that they received my dispute and that their investigation was continuing as of XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, I checked the status of their investigation and was surprised to see that it had actually completed the same day that I filed it, on XXXX/XXXX/XXXX, and that I was never notified the investigation was complete or of the results. In fact, on XXXX/XXXX/XXXX I was notified that it was still ongoing, see attached. The results of their investigation said that I should contact XXXX if I felt the access was unauthorized. I attempted to file a reinvestigation request and to attach the letter from XXXX, however Equifax 's online dispute service would not let me file this dispute and add the information. 
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.