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

Today on XX/XX/2023 I am filing another CFPB report on the notice of my USAA Checking Account, UNAUTHORIZED, Ach withdrawl that took place on XX/XX/2023 from XXXX. In XXXX in relation to another CFPB report filed on the this same issue, I was reached out by USAA stating that " we received authorization & biometric information of this withdrawal ''. I was told by the USAA representative that if I wanted to see the information they used to decide my claim, I would have to file a subpoena from an attorney for this to be allowed because they use " internal systems '' as stated by the USAA representative. 

After speaking to an attorney that is a friend of our family, " USAA or any bank in general CAN NOT * tell a member to get an attorney to release information from a Credit or Debit Card dispute relating to an investigation ''.

Also said by our family attorney " USAA must release all or no information in relating to a Dispute ''. 

In XXXX of this year 2023, USAA sent SOME* documentation to the information used to deny me to be accredited the stolen funds, but seems to be hiding some of the information or does not have any " internal systems information '' so they can deny me any accreditation.

I have had a history of my identity, personal information & bank account being stolen/leaked online, and USAA as my bank is suppose to be protecting my finances to prevent this from happening. 

During the same conversation with the USAA rep back in XXXX, she stated to me that " As a consumer, you always have the right to dispute a transaction, but as long as the opposing company responds weather they say they were at fault or not, we don't have to credit your account ''. 

This is the not the 1st transaction that USAA has allowed XXXX to take from me and not the first time in the last year they refused to provide me with the resources/documents used to deny the accreditation.

The rights & changes I had liked to my USAA account at the time of the stolen transaction for overdraft was that any charge over the amount of {$500.00} would be auto denied unless I called in. Another part of my overdraft police was set to an autodenial if I didn't have the funds in my checking account.

I never have more than {$2000.00} in my checking account. So when this transaction processed, it was automatically taken from one of my saving w/o my permission. 

Like XXXX said, this isn't the first time I have had a problem with XXXX & them easily taking funds from my USAA accounts. 

I have contacted XXXX  multiple times, & only received XXXX responses to which XXXX of the reps from XXXX  stated that, my account was closed but the information was not deleted, so most likely a hacker took the funds. 

The XXXX rep from XXXX stated that because the funds were already taken out of the XXXX account around the same time they were deposited in, there is no way to trace or refund the stolen XXXX. 

The amount stolen from my Debit/Checking Account from USAA is {$3700.00} I XXXX XXXX XXXX XXXX DID NOT AUTHORIZE THESE TRANSACTION LISTED AND NEED USAA TO CREDIT THE STOLEN AMOUNT NOW.
Product: Credit reporting or other personal consumer reports

Recently, I discovered that both XXXX and XXXX have successfully removed an account from my credit report, and Equifax continues to report inaccurately the accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite my efforts to rectify this matter with Equifax, they have not taken action to correct the error. I understand the importance of accurate credit reporting and the impact it can have on my financial well-being. Therefore, I kindly request your assistance in addressing this issue and ensuring that my credit report is updated to reflect the accurate information provided by XXXX and XXXX. Enclosed are relevant documentation supporting my claim. I appreciate your prompt attention to this matter and look forward to your assistance in resolving this discrepancy. Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to ar y consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX ( Original Creditor : XXXX 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, credit repair services, or other personal consumer reports

I paid off some negative things that was on my credit, because I'm trying to build and established credit. Once I did that I started getting a lot of emails saying I'm pre-approved for credit cards. Once I started the process I was getting turned down left and right, I couldn't even get a secured card. Now all these hard inquiries have dropped XXXX  score XXXX points. I was in a car accident and was in need of a car I went to XXXX XXXX XXXX to purchase a car, once they came back with an offer I refused and left. I went to a XXXX XXXX and was able to get the car I wanted with a low interest rate, but XXXX XXXX XXXX keep running my credit after I told them I didn't want to work with them anymore. I think that it is unfair that all these hard inquiries will be on my credit report for 2 years when I am trying to build and do the right thing. Credit card companies can lure you in to apply for there card with pre-approval emails know XXXX well they are not going to extend credit to you and be able to have a hard inquiry on your report for years. I also feel that once you leave a dealership they should stop try to run your credit to try and make a sale knowing that all those rejection will hurt your credit score even more.
Product: Money transfer, virtual currency, or money service

Subject : Urgent Complaint : Unauthorized XXXX Transaction and Refund Denial by Wells Fargo My online banking account at Wells Fargo was compromised, resulting in unauthorized XXXX transactions. 
Despite notifying Wells Fargo immediately, my refund request for the stolen funds was denied. 
The stolen money is vital for covering hospital bills and college tuition fees. 
I urge the Consumer Financial Protection Bureau to intervene and ensure a fair resolution. 
These funds were earned through hard work and are essential for my financial stability. 
Wells Fargo 's denial is causing significant financial distress and hardship. 
Immediate action is needed to hold Wells Fargo accountable and secure a rightful refund. 
Please investigate the matter promptly to protect consumers from similar occurrences. 
Your assistance in rectifying this matter is greatly appreciated. 
Looking forward to a swift resolution to regain the stolen funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my wallet taken from my gym locker with all of my identification information. I recently reviewed my credit report and noticed that there are a bunch of fraud request from companies that I did not complete an application for. Please delete this fraud information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The following account is paid in full : XXXX XXXX account XXXX The confirmation for the payoff payment is : XXXX The account balance information is being reported incorrectly.
Product: Student loan

Since the summer I have been making payments on the loan on time. Ive been late on my loans XXXX times. I have paid over XXXX in my loan and none of it is going towards the principle. Its all going to interest except XXXX XXXX  of it. Their response is give it a few more cycles and youll see money towards the principle. Same response I received last time we spoke. On XXXX I received a breakdown of my loan and its all going to interest. They also wont work with me on the payment schedule as it is hard for me to be able to make payments in between paychecks. They wont work with me in this matter. Giving me the reason that they cant change the dates of when the payments need to be made.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I filed a complaint against Transunion with your organizaiton in regards to an error on my credit report, they never responded or verified the information. On XX/XX/2018, they reported a late payment on my account. I went on-line to submit a dispute and received an error message that I could not submit dispute online. I called the XXXX number and reached someone that did not speak or understand English very well. He obtained my information and said they would investigate my dispute. During this period, Tranunion has continued to decrease my credit scored first by 30 points, now today by 70 points. From XX/XX/2018 until today, my credit score has dropped a total of 100 points for an error on in my credit file showing a late payment. I can not reach anyone and I don't know what to do
Product: Checking or savings account

On XX/XX/XXXX a payment was made to XXXX XXXX XXXX XXXX XXXX  ) in the amount {$1100.00} using my bill pay service with Mountain America Credit Union. On XX/XX/XXXX, I was notified that my mortgage had been sold to XXXX XXXX and that the loan was delinquent. The new loan company called XXXX with me in a XXXX way call. During that call, I was informed they did not show the payment and as the servicing had transitioned to the new provider, if they got it they would return it to the bank. I engaged Mountain America Credit Union ( MACU ) on XX/XX/XXXX. 

I was transferred to the bill pay department at she informed me that she would have to open a case. She stated that their bill pay function is managed through XXXX and someone from XXXX would be calling me. On XX/XX/XXXX, I reached out to the bank for an update and was on a call with them for over an hour. The prior agent had done nothing with the complaint. Almost 3 weeks after my first attempt, I was told again that XXXX would call me. On XX/XX/XXXX after not hearing from XXXX, I insisted on speaking to a manager. She was very helpful and I thought I was making progress. She agreed to forward me an email with the payment reference number and a summary of the action she was taking. XX/XX/XXXX I did get a call from XXXX but was in the middle of a meeting. I called back and attempted to do a 3 way call with the mortgage company. The mortgage company informed us that they could not find my account based on the SS # or the property address. As a result, XXXX said that there is nothing more they can do. They need the Mortgage company to find the payment that is mis-posted and without me on a call with the carrier their hands are tied. After getting no help from XXXX which is who MACU said would be able to solve the issue, I started calling around and found that there are no longer phone agents taking calls on XXXX accounts and when you call the XXXX # for XXXX it transfers you to the new servicer who then says they can not pull the account because it was closed ( sold to XXXX XXXX ) and therefore the information was not loaded to their system. 

In short, MAC pulled the funds from my account, XXXX transferred them to XXXX, XXXX claims they never received them. MACU is not providing a solution for getting my money back. Additionally, they are forcing me to work with XXXX with whom I do not have a relationship and XXXX can only solve the issue if I can get XXXX on the line for a XXXX way call which I was told is impossible as there are not phone agents. 

XXXX, I have spent hours on the phone trying to resolve the problem which in itself is an issue but on top of that, I am no closer today than I was on XXXX to a resolution. 

There are times through this process, that they have intentionally made it difficult to understand as if they think if they give me the runaround I will just go away. It feels very deceptive as if they are trying to take advantage of me because of my age.
Product: Credit card

Hello Capital One I am asking for a modification to your policies and help with your hardship program due to my XXXX status so that I can make lower payments and avoid late fees and pay off my account and any other assistance that you can provide me at this time. 

I tried calling your representatives on several occasions asking them to provide me with information for assistance to a hardship program I looked up and researched you have and have helped others this year XXXX  and prior, it is believed. Unfortunately, it did not go well, your representatives spoke harsh and were rude and didn't give me the information about your hardship program or mailing address as I requested. Help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Upon review of my credit file I found the following inquiries that were not authorized by me and were made without my knowledge or approval. I request that the creditor remove these from my credit file. Inquiry dates are : XX/XX/XXXX and XX/XX/XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Regional Acceptance and XX/XX/XXXX for XXXXXXXX XXXX I have attached a copy of the identity theft police report to this complaint.
Product: Checking or savings account

In XXXX of 2018, there was an unauthorized charge to my debit card of my business checking account at Bank of America. It was a new account about 30 days old. I didn't see this until XXXX of 2018, as I don't regularly check that account because there is not much activity on a monthly basis. It was charged by a " plumbing company '' from XXXX XXXX with a phone number listed on the charge. Phone number was fake. this was a large amount, {$2700.00} and change. I have to dig out the details and can provide at a later date. I immediately called BOFA and reported the fraudulent charge and First they said that they'd be happy to refund me the $ XXXX back into my account. I said, no, that is {$2700.00}! Then I was told that that amount would have to be " escelated ''. Then they told me that they would look into it. Not three days later, I received a form letter telling me that the charge was legit to a legit company. Clearly, they didn't look into it at all. Whoever I spoke to on the phone at that time simply pressed a button to send out a generic, " too bad for you '' letter. I called customer service again to tell them that, it indeed was fraudulent and that simply dialing the phone number listed on the debit would bring you to a disconnected number to prove it. I was told by a very nice person that there is a window of 60 days to report such a thing and that I was very close to it so she would report this and get back to me. She seems like she was going to get it all straightened out. I received another " too bad for you '' letter in the mail. Next I went into the local branch in XXXX, Tx and brought up the whole matter. Managers got involved. Supposedly it was going to get fixed. I could not afford to lose that amount. It is a lot of money to regular people ; not so much BOFA. It didn't get fixed. I went back in a second time, got managers to get someone on the phone and we dealt with it for at least an hour and the department on the speaker phone finally came back and said they could not do anythign for me. it was a legitimate charge and they will not refund me that money. I got angry at that point and told asked the branch manager how he would feel if this happened to him. I guess he didn't like that and so he put notes in my computer system, which I saw at a later time when making a deposit. He wrote, " Rude and difficult customer ''! I kept all my accounts open for a long time, despite the fact that I hated working with them after this. This still boils my blood. Then, recently someone told me I could report it to the CFPB. BOFA rips people off regularly. I hope that you can right this wrong. I can supply documentation and bank statements, etc. related to this, I just don't have a scanner right now while trying to submit this complaint.
Product: Credit card or prepaid card

Have not been able to access the PA Eppicard website to look at child support amount for over a week now. Customer service has been zero help. Calling for balance charges you. The site needs to be accessible to check balance and transfer funds! I know I am not the only one having these issues. So I don't understand how they have not addressed this issue!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a new car in end of XX/XX/2019, I authorized the finance office to run my credit once and they ran it 7 times. I need the other XXXX inquiries removed from my credit report as it is impacting my credit score and the office should have only ran it once.
Product: Debt collection

This collection company is not licensed in my state also violates HIPAA
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NV XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXX XXXX XXXXBalance : {$110.00}, XXXX XXXX Balance Owed : {$0.00},
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been battling with Equifax for over 6 months explaining that the student loans listed on my credit report for DEPT OF ED/XXXX, XXXX, XXXX, should have been deleted when you deleted the student loans for XXXX recently. I don't understand why you delete a few here a few there. I have a police report on file, identity theft reports, several previous complaints from CFPB and my complaints are closed and XXXX  does not complete the dispute process just drops the ball and I have to keep disputing until someone out there hears me & understand that this is not right. Please delete this information. Look back through my records and see how many complaints and disputes that I have filed and Equifax still reports incorrect information.
Product: Checking or savings account

Debit card was lost/stolen as of XX/XX/XXXX, I reported multiple unauthorized charges made and received credit however, credit has been reversed. Transactions were made without my consent and card was not in my possession at time of purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out all that was required of me by XXXX and Experian, but yet again they are stalling. If these Fraud Alerts are not deleted, I will also file a XXXX report.
Product: Student loan

This company never sent me statements. I asked for copies of monthly statements. They failed to provide them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 an account without my written instructions
Product: Credit card or prepaid card

I tried contacting Avant, the credit card company about an alleged past due balance. I paid my card already however when I logged into my account, it states that I have a past due balance of {$58.00} and change which doesn't make sense especially if they tacked on a {$25.00} fee. I should not have a past due balance nor should I have a late fee. I called Avant this morning on XX/XX/2021 XXXX times and each time the representative hung up on me and neither time did they call me back while I tried to resolve this issue. So now instead of calling back, as I am very frustrated I decided to submit a complaint as that is not how you treat customers. No one should be hung up on while trying to resolve an important matter and have no one call back. The XXXX numbers that I called are ( XXXX ) XXXX and ( XXXX ) XXXX. Each of those numbers I called and spoke to XXXX different reps and was hung up on each time. I have never had a late payment or overage on this card, never taken a cash advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE INQUIRIES WERE NOT MADE BY ME. I WAS ASKED TO PROVIDE PROOF. IT IS THE RESPONSIBILITY OF THE REPORTING COMPANY TO PROVIDE PROOF. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Mortgage

I received a letter on XX/XX/2022 about a shortage in my escrow account. I paid shortage on XX/XX/2022 along with my house payment. I talked to a representative on XX/XX/XXXX to pay shortage separately. Ive called multiple times since because my house payment due is reflecting I didnt pay shortage. Ive called multiple times and talked to multiple people regarding this matter without any resolutions other than being told that our ( loan depot ) system needs time to update. Please help me get my house payment straightened out.
Product: Credit reporting

Waiting for each agent to respone to my complaint-Equifax, XXXX keep reporting outdated negative information. I disputed a number of things over 10 yrs ago but they continue to update as if they are new accounts and in good standing and paid and closed. Neither company is allowing me access to my file. I am requesting that you investigate this and also assist me in checking my file weekly so that I can see if I am a victim of identity theft. I would also like to send you my old credit reports from over 10 yrs ago by mail.
Product: Debt collection

I have several accounts that are listed with this company that is a result of my identity being stolen and are fraudulent I have submitted an ftc report # XXXX and a police report detailing the identity theft and some of the fraudulent accounts that are listed.
Product: Credit reporting or other personal consumer reports

Experian has not done a through job in this matter I have cleaned my credit report up once and every negative item was removed and now they have seemed to all reappeared after all these years causing my credit score to go down.
Product: Credit reporting or other personal consumer reports

XXXX is STILL repotting Mortage foreclosures from XXXX XXXX that isnt mine to be liable for. I need it to be completely removed off of my Equifax  report asap