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

On XX/XX/2023 a check that I deposited into my USAA savings account came back unpaid. This was after the check had posted to my account and funds were immediately available. I even called twice and asked if it cleared and was told yes. I waited 3 or 4 days before moving the money which was {$2000.00}. So come to find out the whole thing was a scam. The scam was I was the subject and my photos were used to create some art project. I was to send {$2000.00} to them and the rest was mine for being the subject and using my picture from social media. I never cash checks so I didnt know much about them but after the fact I found out I didnt even endorse the check. So now USAA freezes my account and I cant login or anything. I am a XXXX veteran and my federal XXXX check could not be stopped from being deposited into my USAA account because I was past the cutoff day even though I called the va and setup direct deposit the next day for it to go to my new checking account, the one I was forced to create with a different bank.So I called USAA and asked if I could just transfer the funds from my checking account into my savings to pay off the negative balance. I also requested for them to send me my XXXX check so I could pay bills. They told me I could payoff the negative balance, but that they were closing my account in 60 days and would send the Federal XXXX check ( {$2000.00} ) by mail.I did some research and found out that freezing or withholding federal XXXX funds is against the law. In my case, I met all the requirements and I called them and told them this information. I then requested my benefits again.I needed to pay rent and bills. This is now around XX/XX/XXXX or XXXX of XXXX.I was treated like I was the one who wrote the check that I deposited or something and told they could do nothing and would send it after 60 days, when the account is closed. Ive tried calling a few more times but got the same answers pretty much, just ignored and treated badly. I need my check to pay bills, and USAA Federal Savings Bank knows its illegal to withhold my Federal XXXX pay from me but still wont send it to me. I need help please!! Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attachment : This is 1 of many accounts that you have verified. How? If you look at the attachments below you will see that this account is unverifiable and you are full of it. I have been trying for almost 3 months to get this account verified and validated. Remove this account from my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 i attempted to open a line of credit from XXXX XXXX  to purchase merchandise from XXXX XXXX  in XXXX XXXX, OH. Due to unforeseen circumstances once the line of credit was opened i immediately closed it before any purchases were made. The account was closed in XXXX and was removed from my credit report then it was refurnished in XXXX. 
I was given a letter from bobs furniture stating i never received any products but acceptance now continually furnished account saying i did. After almost two years of back and forth they finally deleted the tradelines with XXXX and XXXX. Experian is refusing to honor the request for deletion that was sent to me and the other credit bureaus.
Product: Debt collection

The original principal was caused by a typo of my address when mailing the bill and not long after that, SouthwestCredit contacted me stating the principal belonged to them. The typo of address was made by XXXX XXXX XXXX. 

SouthwestCredit has never told me my right to dispute the collection for all the times they contacted me. 

SouthwestCredit did not either provide verification of debt at all. It should be mailed in within 5 days after the first attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items on XX/XX/2022, XX/XX/2022, And XX/XX/2022 but the bureaus did not remove them. 

Sec. 602 I have a right to privacy XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
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. 

XXXX. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

XXXX. XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX. XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

A. 15 U.S.C.1681 Section 602 A states I have the right to privacy.

B. 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. I did not and do not give my written instructions for these accounts to be published.

C. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make a consumer report containing any of the following items of information such as adverse items of information, other than records of conventions of crimes which antedates the report by more than seven years.

D. 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 the information is inaccurate.
Product: Mortgage

We are appealing to you again for help, see out previous case. We have been in the process of trying to get a mortgage with Quicken Loans since XX/XX/2020. Originally we were told that XXXX would be no problem. The apartment is worth XXXX and we can easily afford the monthly mortgage payment. 

After many months of running around in circles per their directive we then asked what could we get from Quicken and were told XXXX. 

They are now annualizing husbands income which is XXXX from his last commission check. If you had made the loan in XXXX when they should have this would not have been an issue. 

They got in our way and their own way of issuing this loan in a timely and ethical manner. They are not supposed to let this drag on. 

XXXX XXXX called yesterday and told us that Quicken would give us a {$96000.00} loan. We told XXXX that we would accept this and now we are trying to get the commitment in writing and to find out when we will see the money. Please assist, this has been one disappointment after another not to mention the time and energy we spent. I still want the {$140000.00}. 
XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach my Personal Information from the 3 credit bureaus was stolen And used
Product: Debt collection

As stated in a letter mailed off for the second time today. This was not an account that was initiated by me nor authorized. I have reported such to the police and the FTC and have both reports. As they are attached to this complaint along with the laws regarding the regulations on attempting to collect on a fraudulent account.
Product: Credit card

I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I had an issue in late XXXX with someone using my personal information to open a XXXX XXXX  debit card and then trying to withdraw {$10000.00} from it after attempting to transfer from another account from a different bank. I reported this incident to all agencies. 
In XXXX, I received a XXXX XXXX  XXXX in the mail that I did not apply for. I called them up to let them know I didn't apply and asked how this could have happened since I had placed a freeze after the last incident. They mailed me a letter stating that I needed to provide documents containing personal information ( Valid government photo ID, proof of residency, emails/written notifications I received ).
Product: Credit card

In XXXX  I was at the gym and my wallet was stolen and my information was used I had no knowledge until I checked my report and I noticed all the Fraud. Please block and delete all these accounts from my credit profile asap.
Product: Bank account or service

SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and 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

XXXX is reporting a charged off account to my consumer report. A 1099c has been issued and the account is canceled debt. The account is gross income and Income can not be reported to a consumer report per federal law. XXXX  is furnishing inaccurate and incorrect information to consumer reporting agencies. The reporting of such information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. Also, there is no permissible purpose. I have not given verbal or written consent to any consumer reporting agencies to report on my consumer report. Delete these accounts immediately from my consumer report.
Product: Checking or savings account

I had a fraudulent charge on my account and I had contacted the Bank Wells Fargo with you guys, they gave me temporary credit to, " Check the issue '', but they took their sweet time of almost 3 months and now decided to revert the credit given to me. I do not think this case was reviewed at all and waited until the end of this month to just take the money back with no reason.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the continued reporting of XXXX XXXX XXXX accounts ( XXXX XXXX XXXX and XXXX ) on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ) and the terms of a pay-to-delete agreement. The first account in question XXXX was opened in 2015 and, per FCRA regulations, should no longer appear on my credit report as it is beyond the seven-year reporting period for derogatory information. Additionally, a payment was made after the account was charged off, which further confirms its ineligibility for reporting. I have attached a letter to this complaint, dated and time-stamped, which was sent to XXXX XXXX confirming the terms of a pay-to-delete agreement. Despite their acknowledgment, XXXX has failed to remove this account from my credit report, continuing to report it inaccurately and in violation of the FCRA.
Product: Debt collection

On XX/XX/year>, I sent a debt validation request to XXXX XXXX XXXX regarding a {$640.00} debt reported on my credit report. In my letter, I requested proof of their legal right to collect the debt, a detailed account history showing how the balance was calculated, and a signed agreement verifying my obligation to repay. Despite allowing sufficient time for a response, I have not received any acknowledgment or validation from the company. The debt remains on my credit report unverified, which I believe violates my rights under the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit card

On Thursday XX/XX/year> I was the victim of a " computer virus scam '' that allowed the scammers access to my computer and my Wells Fargo account. I was told by the scammers ( posing as XXXX XXXX XXXX XXXX XXXX  ) that I needed to verify my identity by purchasing gift cards, giving them the gift card numbers so that they could follow the transactions on my Wells Fargo account. They stated that I would be reimbursed for the gift card monies after they verified my identity. I purchased a total of {$1900.00} worth of gift cards at which time they told me that I had been verified and were in the process of depositing the funds in my checking account. When I was asked to check my bank account for the deposit I saw that {$11000.00} had been deposited in my checking account at which time the scammers said that they had made a mistake with my deposit and that I needed to repay their {$10000.00} deposit mistake by purchasing {$10000.00} worth of {$500.00} XXXX gift cards to repay them. It was then that I realized that I was being scammed and called Wells Fargo Bank Fraud department. The representative named XXXX took my call and I explained to her that the scammers posing as XXXX computer virus technicians transferred {$11000.00} from my credit card account to my checking account and that they were trying to get me to pay them back the difference. I was given case XXXX XXXXXXXX and was told that Wells Fargo Fraud department would investigate the claim and that I should close my accounts and then reopen new ones to avoid access to my accounts by the scammers. Due to the transfer of the {$11000.00} to my checking account by the scammers, I incurred a transaction fee of {$590.00} to my credit card account. When I called Wells Fargo on XX/XX/year> as they requested to get updated on my case, I was told that their fraud XXXXnvestigator could find no evidence of fraud and that I was responsible for the {$590.00} transaction fee. When I tried to get an explanation from them, I was given a phone number to call to report my grievance which I did and was told that they would be in touch. They called me on XX/XX/year> around XXXX to verify some activity on my account but said that they could not help me with the transaction fee and gave me another number to call. Since it is was Saturday, I would have to wait until Monday XX/XX/year> to follow up on my claim for reimbursement to my credit card account for the {$590.00}. I do not feel as though I should be liable for the fee due to the fact that I reported the hacking of my computer, scammers getting access to my bank account files and then reporting that the scammers had made an unauthorized transfer of monies from my credit card account to my checking account. Just a case of big banks not caring about their customers and giving me the run around hoping that I would go away which I am not!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ) showed up on my credit report in CHARGE OFF status. 

1. This account is fraudulent.

2. I have never opened this account.

3. I have never given given permission for someone to use my information to open this account. 
4. The credit reporting agencies have not removed this account from my records and restored my perfect credit, even though I have reported it. 
5. One agency had a current telephone number listed as XXXX which does not belong to me. 
6. I did a XXXX XXXX Search and someone has stolen my identity. 
7. Please see attachment.
Product: Credit reporting or other personal consumer reports

This company reported charge off to my credit report. I asked for a 1099C four years ago and never received it. Its fraudulent to charge off an account and still report this inaccurate information on my credit report. Ive asked for proof of this being my account with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a false credit score. They are reporting my score as XXXX ' even though all accounts listed show as on time and satisfactory. The other two credit agencies are reporting my score as XXXX. Equifax also will not provide me with my free credit report that I am entitled to by law, as I have just been denied a loan based off of the false information that has been published by their company. All attempts to contact via phone have resulted in being on hold for hours on end, being transferred ( even to 3rd parties that are not employees of Equifax who want to sell me their 'protection plans ' ) and eventually being hung up on when I demand to speak to their supervisor for resolution. All attempts to correct the issue on their website : www.equifax.com has resulted in error messages that read " We are unable to process your request ''. All attempts to make contact via email has resulted in either no response or out of office notifications, except for one response who provided me an email that again receives no response. I also received a phone number, but it was not an Equifax phone number, but again, a 3rd party who wanted to sell me their 'protection plan ' again. All I want is Equifax to report a legitimate score with correct information, an EQUIFAX employee in a position to assist to contact me, and the free credit report that I am entitled to by LAW.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate

customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness. 
Specifically, regarding the accounts below : XXXXXXXX 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

THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Everything must be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigated but how is that possible if the account is reporting as a charge off with a balance of {$12000.00}, the date last active is inaccurate, and the last date reported is not accurate. The account history of late payments is inaccurate, the car was XXXX on or around XX/XX/year> not later the charge off date is inaccurate. 
This ground for removal they also violated my rights under : 15 U.S.C 1681 Section 602 A. States I have the right to Privacy. 
15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 

Also, the credit Bureaus took more than 30 days to complete my investigation.
Product: Mortgage

XX/XX/2017, I bought a house in XXXX, TX. I used Summit Funding as my lender. They failed to evaluate property tax correctly and therefore our monthly payment is $ XXXX more than projected. The previous owner was a senior, over 65 and therefore had a " senior exemption ''. I'm in my mid XXXX, it is obvious that I will not qualified for the same exemption. Summit Funding failed to calculate this and projected escrow to be a lot lower than it's supposed to be. This incompetency seems to be calculated to enticed the buyer into accepting the deal because of a lower monthly payment. 

I understand that the perfect final amount is not possible to calculate at time of closing. However, off by {$250.00} a month, over {$3000.00} a year in property tax is very significant.