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

On XX/XX/XXXX, after grocery shopping at a XXXX grocery store in XXXX, XXXX, I noticed my debit card was missing. I received several " fraud alert '' emails from Wells Fargo. I immediately called the bank and canceled the card and let them know I did not authorize the charges. I went online and filed a police report with the XXXX Police Department ( case # XXXX XXXX XXXXIdentity Theft ). 

The following charges were made in quick succession at the XXXX XXXX on XXXX XXXX XXXX and the Wells Fargo ATM on XXXX XXXX : XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$490.00} XX/XX/XXXX - XXXX XXXX - {$100.00} XX/XX/XXXX - XXXX XXXX - {$100.00} XX/XX/XXXX - Wells Fargo ATM - {$1000.00} The thieves also attempted to withdraw money from the Wells Fargo ATM on XXXX XXXX ; however, by that point the card had hit its withdrawal limit. 

Wells Fargo fraud department closed my claim and stated that there was no evidence of fraud despite a police detective stating this was a pick-pocket team making the rounds off Interstate XXXX, despite video evidence that the XXXX Wells Fargo branch won't release to the police, and despite XXXX  loss prevention footage showing I was pick-pocketed. 

I requested Wells Fargo re-open my claim and they stated once again that there was no evidence of fraud. They also stated they do not contact the police or the stores where these withdrawals took place.
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. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX  XXXX XXXX XXXX Balance Owed : {$500.00} XXXX  XXXX XXXX XXXX Balance Owed : {$9300.00} XXXX Balance Owed : {$1300.00} XXXX XXXX Owed : {$160.00} Date Opened : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 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 information relating to any transaction by the consumer. 


Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but XXXX is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXXXXXX XXXX Date Opened XXXX. XXXX, 2016 XXXX : {$0.00}
Product: Credit reporting or other personal consumer reports

I notice Identity Theft on my credit report and reported it right away. Having a hard time removing these incorrect reports on my report.
Product: Credit card or prepaid card

USAA claims Zero Liability Fraud Protection. See attatched XX/XX/18 statement of USAA Fraud Investgations. They are the ( Adjustment Purchases ) shown on statement of USAA Credits to cover Fraud. UNDERNEATH there is a TOTAL LINE of Total Payments & Credits for this period {$450.00}. The Summarry of Account Activity List Other Credits {$700.00}. USAA will not explain. WHERE ARE REST OF CREDITS? USAA calls these ( INTERNAL CREDITS. ) Why is anything HIDDEN from consumers view? Especially Credits they are supposed to recieve from FRAUD? 
TRUTH IN LENDING IS NOT HIDDEN. USAA CLAIMS ZERO LIABILITY They have left me with liability on all these Adjustment Purchases. 
** How do ALL ( ADJUSTMENTS PURCHASES ) BECOME NEW CHARGES ON MY ACCOUNT. They were reported fraud so I HAVE BEEN CHARGED TWO TIMES FOR UNAUTHORIZED CHARGES. USAA IS NOT ZERO LIABILITY FRAUD PROTECTION. USAA CHARGES DOUBLE CHARGES FOR ALL FRAUD IT APPEARS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Vehicle loan or lease

I had a load with Nissan Motor Acceptance Company for a XXXX XXXX XXXX. In Late XX/XX/XXXX I attempted to pay off the loan while shopping for a new car. 

When trying to close out my loan online so I could get the title, the system would not let me pay off the car immediately. XXXX 's online system would not let me pay off immediately and forced me to wait until XX/XX/XXXX. When I called XXXX attempting to pay of the vehicle over the phone, I was told they would need to charge me multiple additional fees in order to pay it off immediately because of the money transfer. XXXX finance had been directly billing my account for years with no fees, but said they were unable to take payment using this method despite the long history of doing so. 

It is now the end of XXXX. They forced me to wait 2 weeks to may a car payment that should have been available to payoff immediately. Over 2 weeks later, I have not received a new title or letter I can take to the XXXX  to remove the lien. There is no reason they could not take my payment for the rest of the car over the phone or immediately charged my checking account. 

I have now had to pay an extra month of insurance on a car I am trying to get rid off because of their manipulative business practices.
Product: Student loan

On or about XX/XX/2019, I filed with StudentLoans.gov my yearly information for Income Base Repayment ( IBR ). All of my servicers of my Federal Stafford and equivalent loans accepted my information distributed to them by this process with the exception of AES. 

A brief history of my issues with AES includes a complaint filed with this Bureau last year which included my supposition that AES is perpetuating a fraud on borrowers by denying IBR so they may capitalize on the interest, make that part of the ongoing balance, and then charge more interest on the increasing balance by capitalizing the interest. This is a very sneaky and complicated process for them to capture more income from the interest. This needs to stop and eventually I was approved for IBR but only after they stated that they could not : '' walk back '' the capitalization due to banking regulations. 

Therefore, I am writing again this year to state that AES has denied my IBR due to being " not eligible '' although not explaining why this is the case. I pause here to state that NONE of my other student loan servicers had issue with my IBR application and approved it with no issues. However, I continue. 

I called AES, stated that the phone call was being recorded for quality assurance and they stated to me that they do not allow calls to be recorded but then stated that if I wanted to record the call that I needed to speak to a supervisor. After speaking to this supervisor, they stated to me the only thing they could do is request a review of the IBR application and file a forbearance application to allow my account not to be charged a late fee. The late fee would be assessed because their processing time for the request would be 10-15 business days which would put me past my due date. I requested the department 's number that could review and change my application status to approved and they refused to give me this information stating " I have done my best to resolve your issue and once you receive the more detailed explanation if you disagree you can call back ''. This is not helpful since that is what I did this time! 

Persuant to the IBR website I meet all criteria and my payment would be significantly lower than the payment AES is stating. I do not need to go into the epidemic that is student loans so I will suffice it to say that 3 out of 4 loan servicers had no issue with my IBR application and approved it. AES is the ONLY one that seems to have issue. They are doing this to capitalize and then charge more interest, simple as that!
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 XXXX XXXX XXXX. 

Account name : XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX Account # XXXX, Account name : XXXXXXXX XXXX Account XXXX XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

and according to XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

My ex stole my mail containing my stimulus debit card, she used my social and information to setup an online bank account and then transfered all of the XXXX into her account and I provided proof to bank it was her, ( texts from her asking me to work with her and not to press charges for her stealing the money ) the bank refused to credit my account even after filing charges against my ex. I did not setup the account or transfer the money.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT.

Account Name : XXXX  XXXX # XXXX - DATE OPENED XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to disput info from my eqiifax report. All the other companies fixed it no problem. Not only did they not fix it they deleted all my good credit, current and past. 17 years worth. I olve over the phone. Called them 9 times. Takes 40 minutes to get a human on the phone. They say I requested it I ask for supervisor and wait another 20 minutes. They repeat the first guy. I finally get one supervisor that admits I did n't do it but they wont fix it. I have to call creditors which I do. They wont call Equifax like Equifax guy said. Not how its done. So again I call and I wait, Go through whole thing again and they keep transferring me to nowhere, Or the ohone just loops from one recording to another. I call until they close, They refuse to return my imformation they deleted. Cost me over XXXX pts on my score. Now XXXX XXXX has returned the derogatory marks back to my report where the had removed them. No notice or reason why.
Product: Mortgage

I started working with United Mortgage Corp out of south florida. The first phone call was great, they really are good at pulling you in! I spoke with the manager for over an hour and then i was passed off to XXXX XXXX. He thought he would be able to get my a conventional loan and after put the the software stated i would need to go FHA. I was original told my rate would be no more than 4.5 % max. He told me the fed came out and rates went up ( this was XX/XX/XXXX ) ( rates haven risen yet, but most likely they will later today XX/XX/XXXX ). Anyways my rate was now 4.875 % for conventional but since i couldnt do that he locked me in at the same rate for FHA!! i was skeptical, i called another firm and he told me that he could get my FHA at 4.25 % about a {$50.00} a month in payment based on my principle. His lending fees were also over XXXX the new guy was XXXX. I feel that if i wasnt willing to take a risk to try the new lender ( i was already under contract ) i would have been stuck paying a much higher rate than i am now. I know it is illegal for mortgage lenders to make money off the spread but why was their rate over .5 % more? Someone padding pockets at UMC? Please use UMC in XXXX XXXX XXXX if you never want to be able to reach your loan originator, and want to pay a rate way to high! Oh yeah XXXX XXXX also lost another mortgage of a client that was working with the same real estate broker as mine and he has the nerve to ask my realtor why he is losing business. XXXX ITS BECAUSE PEOPLE ARE NOT IDIOTS AND ARENT GOING TO OVER PAY YOUR RIDICULOUS COMPANY
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



XXXX. The inquiry was not authorized IXXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized CBNA Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. This account was never late XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 10. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report. 

11. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 

12. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.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 XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has not fixed problem on reporting of my credit. They are always inaccurate in reporting scores. They constantly drop my scores over 50 points or more and are slow responding. My salary isnt even reported correctly. I constantly get locked out of my account.
Product: Credit reporting or other personal consumer reports

Greetings to whom it XXXX concern my name is XXXX XXXX and I receive response letters by email and in my mailbox at my home address from Experian, XXXX and XXXX regarding the dispute letters that I have submitted for my dispute claim stating the they have not taken any action to resolve the alleged actions of the disputes issue I have submitted due to the fact they believe it wasnt sent from me or on my behalf that it wasnt authorized by me on my behalf to be submitted. Im filing this complaint now because I find that this is a violation of my rights and a stalled process that is not being handled correctly by these credit agencies I ask for help to resolve this matter. 
Thank you XXXX
Product: Debt collection

Sold my home of XXXX years and upon reviewing the closing statements the debt collection law firm of McCullough Payne & Haan , LLC, presented a lien filed against me on XXXX/XXXX/XXXX in the amount of Principal {$3700.00} plus interest of {$2300.00} Plus attorney 's fees of {$580.00} plus court costs of {$100.00} to equal a Grand Total of {$6700.00} it is my understanding that the lien was placed WITHOUT any proof of Service as they could n't find me in the city although I maintained the same home address from XX/XX/XXXX through XX/XX/XXXX. I believe they used the same illegal tactics as was used by another debt collection firm that thecfpb has any action against ( XXXX XXXX, XXXX XXXX XXXX ) which also represented XXXX XXXX Bank. 
Again my understanding the lien is good for seven years and was refiled XX/XX/XXXX. and again appears to have paid {$7.00} XXXX/XXXX/XXXX I do n't know if these steps are correct or not and since I never received service on the original lien I would think the Liens were not legal! 
I had a closing attorney get involved and he negotiated a {$4000.00} reduction of the total presented in the closing documents for a new net total {$13000.00}. 
I believe this debt collector mirrored the practices of XXXX XXXX XXXX XXXX XXXX and just churned out non serviced liens to the court and the court just believed the lies and went along with being duped.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to haveXX/XX/XXXX fix with little or no response.XX/XX/XXXX is reporting in the months of XXXX and XX/XX/XXXX as late payments of XXXX and XX/XX/XXXXdays on XXXX individual loans which are showing XXXX missed payments for these XXXX months. No XX/XX/XXXXday warning given. 

The account had never began getting payments let alone should only be at the most XXXX missed payments not XXXX. I am enrolled in the payment based on income. 

Tried requesting an update multiple Times throughout XXXX and XXXX. This mistake is causing an extreme hardship on my family. XX/XX/XXXXt states problem has been resolved when it has not been resolved. 

XX/XX/XXXX my accounts causing a score of XXXX and denial of any apartment I apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Review my credit report and I find that there are accounts that are reporting misleadingly. These accounts must be verified in my report in order to prevent more erroneous information on my credit report. 

Please verify these accounts : XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00} XXXX sent the required files and documents to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov, so verify the aforementioned accounts