23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX, i was XXXX and and my mail and credit data was stolen. I reached out to USAA and police reports. The account # Visa ending in XXXX was not removed from XXXX  and XXXX  and was removed from XXXX. After nearly 3 years of trying to remove this single item from my reports I contacted USAA and informed them i didtnt open this account and suspected it to be my ex wife or someone with access to my account or info. I paid the balance hoping this would resolve the issue. USAA is reporting that they never recieved payment and have listed late payments and degratory info to the credit reporting which is 100 false. They have not provided that is was fraud and even further I assisted in tryign to pay the settle balance of the account. 

I XXXX XXXX am submitting this I have enclosed my ID, and address information
Product: Debt collection

XXXX XXXX XXXX  XXXX XXXX CAPITAL ONE BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are  posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all  credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Mortgage

Mr.Cooper my current mortgage company paid the wrong homeowners insurance company without my consent. 
Our current homeowners policy is with XXXX XXXX and I have no idea why Mr.Cooper paid some company named The Hearth group.I never gave any permission to Mr.Cooper to pay any premium to The Hearth group.

I contacted Mr Cooper numerous occasions to let them know that the payment should go to XXXX  XXXX and no one else.Now I ma facing the prospect of having XXXX XXXX cancel our policy for non payment. 
Mr Cooper had no legal obligation to pay The Hearth group fraudulent bill.I repeat I have no idea who they are and why would they bill for a NON existing policy.Please help.This is FRAUD!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. 

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

I have attempted four times to freeze my credit at Equifax.com, following the revelation that they had been hacked. Each time I was sent to a different page telling me they could not process my request or that I should mail them my personal information by mail and then they would process my request. They asked for my full Social Security number, which seems wholly unnecessary, considering they apparently possess a large amount of information about me. Time is of the essence if my info has been compromised. I also object to the suggestion by Equifax that I should have to pay for my credit account to be frozen when I did not ask for the company to include me in their for-profit information scheme. I understand that they may be experiencing high traffic at their website but that again is not really my problem. I want to freeze my credit profile and I do want to pay for the privilege.
Product: Debt collection

I was contacted by synchrony bank concerning  a TJMAX credit c ard that was due, They agreed to remove all account information for my credit report once the check was cashed. On  XXXX / XXXX /   2016  the check was cashed I have called on several occasions to have the acct removed to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Wells fargo unlawfully withdrew {$13000.00} plus a {$120.00} processing fee from my savings account on XX/XX/XXXX for an alleged debt that I had no knowledge of without giving me any type of notice until after the funds had been unlawfully withdrawn. The bank acted on hearsay. I wrote to them and got a response in XX/XX/XXXX they sent me A fake order to withhold that was not signed from a judge XXXX XXXX deputy. Wells Fargo and the company that the alleged debt came from are in violation of the consumer fraud act. I am not their consumer/customer nor do I ever wish to be provided with their services. This is fraud in the highest form!
Product: Checking or savings account

I tried buying clubs from a private seller via XXXX, once I paid the total in full ( {$550.00} ) the seller stopped all communications. I tried disputing this with Chase and they said they more than likely would not return my money because it was authorized. I did not receive the items I paid for, nor did Chase open a case like I asked them to. I have tried reaching back out to the seller, but they have since removed their profile from XXXX, which is the app I was using. I have attached proof of what was supposed to be sent and the screenshots depicting everything I described
Product: Credit reporting or other personal consumer reports

There are accounts on my credit that should be closed because they were paid in full example my student loans. Then my history is 5 years I've owned my home for 20 years XX/XX/year>. I need to get things done around my home but can't because no one will give me a loan. I check my credit daily and I wrote the letters to the Credit Bureau I didn't send them off. I saw something that said the CFPB was handling XXXX XXXXXXXX, and equifax because of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Vehicle loan or lease

I had an auto loan with Bank of America ( account XXXX ) and the loan was closed at the end of XXXX. I traded the vehicle in on XX/XX/21 and the dealer completed the closing of the loan with the bank. Despite the loan being closed, the bank refuses to refund the overpayment on the account and drafted an additional payment after the loan was closed. All attempts to reach a representative at Bank of America have resulted in being transferred by phone numerous times before being disconnected. I just want my money back and it has become apparent that Bank of America does not want to provide this refund for this overpayment.
Product: Mortgage

In mid XX/XX/2020 we applied for a va refinance with Pentagon Federal. We provided requested information by the end of XXXX including all our financial information a new appraisal and termite inspection. Since the end of XXXX we have been unable to get a status on our application. Since so much time has passed our appraisal and financial information is now stale. Also our interest rate lock has expired and Pen Fed rates have increased. We have been told our original lock rate will be honored but have not yet received any disclosures specific to our loan application regarding a rate extension.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the fraudulent personal information associated with my XXXX  Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX I have fallen victim to XXXX XXXX and have taken immediate action by reporting the incident. It is imperative to address this matter promptly, as it has had a detrimental impact on both my XXXX XXXX XXXX XXXX XXXX I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Product: Credit reporting or other personal consumer reports

( IDENTITY THEFT REPORT ATTACHED ) The FCRA was created to protect the privacy of consumers confidential information and to ensure CRAs do what's fair and equitable for the consumer in which XXXX has failed to do as they are reporting a FRAUDULENT XXXX ACCOUNT ON MY CREDIT REPORT. XXXX has allowed XXXX to Intrude upon my private information. 
BLOCK THE FRAUDULENT ACCOUNT AS REQUIRED BY LAW ( FCRA ) TO PREVENT ME FROM OCCURRING FURTHER DAMAGES.
Product: Consumer Loan

loan max in XXXX has been calling me and my finances phone two to three times a day. we told them I will be making a payment this week and the lady called me today and said she needed to know what day I was making payment. I told her I would told them this week I was going to go get my check and I told her I did n't like that they where calling me many times a day and the lady yelled at me and said you made the loan so pay it. I think it 's really disrespectful and not appropriate to talk to your customers like that.
Product: Checking or savings account

transactions being processed on atm machines same day and more than 1 withdrawal. I tried to look through the receipts and the ending balance does not make sense the amount in available balance before and after transactions differ from amount used. I believe their is more than 1 card for my account and it is a single person account with no authorized secondarys.
Product: Checking or savings account

On XXXX XXXX I attempted to transfer {$630.00} from my card with Direct Express to my mother 's account. At first the transaction was pending, then after four days it showed as paid only it never got to my mother 's account. When I called in about it I was told the payment was returned but wasn't given ay code or reason why. Y mother 's bank never received the payment to refuse it
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX Equifax has continuously denied me a free annual credit report, fort 3 years now XXXX XXXX and XXXX instead of mailing my free annual credit report, they mail me a letter saying that according to their records they have already provided me, in the last 12 months with a free annual credit report, which is inaccurate.
Product: Credit card or prepaid card

On Tuesday, XX/XX/XXXX, I received 2 emails saying Welcome To Chime, set up direct deposit and you'll get a XXXX XXXX  card. The next day I got an email saying my card is on the way, and they're sending it to an address where I no longer live. I guess they are using that as the billing address. 

I never signed up for Chime. I can't give you the card number because I didn't receive the card. If I actually had an account I would cut up the card and close the account, but someone else did this, so I don't have all the information. I just know they are using my name and I did not authorize it. 

The first email had this in it : Didnt sign up for Chime? Email us at XXXX **So I emailed to that and told them I did not sign up for Chime. I haven't heard from them. No response from Chime!
Product: Money transfer, virtual currency, or money service

I tried to withdraw cash through the Gemini portal but because there is a second level authorization in place caked XXXX the transation won't go through, Ive written to Gemini via several emails but they fail to fix the problem. XXXXXXXX XXXX XXXX is broken therefore I can't be my money without int
Product: Credit card or prepaid card

National data breaches compromised my credit. Someone tried to establish a line of credit through fraudulent means and without my consent.
Product: Credit card or prepaid card

on XX/XX/XXXX i placed an order for delivery by XX/XX/XXXX XXXX on XX/XX/XXXX they advised me the shipment was delayed and would arrive on XX/XX/XXXX when i will be out of town so i canceled the order. on XX/XX/XXXX i received another e mail telling me this canceled order would be delivered on XX/XX/XXXX. i then canceled the order online again and attempted to call them after XXXX minutes they system said goodbye with me ever reaching a human. I then attempted to call citi bank which is the issuer of said card. they were at least able to give me the correct number to call. i called and canceled said card however i no longer trust wayfair to do anything correctly and believe them to be playing fast a loose with the rules
Product: Credit reporting or other personal consumer reports

Capitol One- I sent them a certified letter on XX/XX/24 requesting that they provide me with the original creditors contract with my signature. I also requested to provide me the original pay history and proof of assignment. They responded back with letter dated XX/XX/24 with their contact with my signature not the original creditor. They also sent their pay history not the original creditor. 
Please assist in getting this information so I can make sure it is accurate. 

My XXXX report is reporting many inaccurate information on many accounts. Please assist in getting this corrected. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EdFinancial is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have been sent to collections, and I need the debt returned to the original creditor. We plan on getting the debt settled with our timeshare, but XXXX has not validated the debt and is only getting snarky with our requests to exercise our rights under the FDCPA because this debt is disputed.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I sent a domestic wire transfer to Coinbase in the amount of XXXX. Coinbase wire info states wire transfers received by XXXX XXXX  are credited in that day received. The next day I attempted to call coinbase customer support. After being on hold for 1.5 hrs I talked to a representative that stated they could not help and directed me to their online support site to submit a request. 
On XX/XX/XXXX I received an e-mail stating the wire would be returned, and to expect payment with in 7 business days. As of today XX/XX/XXXX. I have not received any return of money and have sent other e-mails to coinbase support in time leading up to today. In addition, on XX/XX/XXXX. I called the bank where the wire transfer was destine for XXXX XXXX XXXX for assistance. They directed me to e-mail XXXXXXXXXXXX. As of today XX/XX/XXXX, I have not received a response.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$20000.00}
Product: Money transfer, virtual currency, or money service

I recently created a Venmo account and someone had paid me {$75.00} through Venmo. I added my card on there and tried to transfer the money on Venmo into my card. It kept giving me an error message, so I did some research and it hundreds if not thousands of people are having the same issue. Theres just money sitting in Venmo not able to be transferred anywhere. I contacted Venmo help, but all I got was a bot telling me to go look up solutions on their website which does nothing. Now I just have money collecting dust in my Venmo account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX/XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

On XXXX/XXXX/17, I noticed that my Transunion credit report showed that I had missed one of three payments. The missed payment was from XXXX. This account should 've been deleted from my credit report.
Product: Debt collection

When I requested verification that I an account with XXXXXXXX XXXX as XXXX was trying to collect but was not able to provide a signed agreement that I had with XXXX. I have received something from Credit Control , LLC. I have never had a legal binding agreement with XXXX, XXXX or Credit Control
Product: Debt collection

Many requests for the charges and statements for the period of XX/XX/XXXX through XX/XX/XXXX which is the period of time that I was in XXXX last statement received was paid with XXXX balance removed all wrong information such as issue involved in restaging date
Product: Checking or savings account

I didn't open an account with Well Fargo. But on XX/XX/2022 I received an email said that my application for opening account with Well Fargo was approved. I went to Well Fargo website try to retrieve the user name which I don't know cause I haven't opened account with Well Fargo. I entered my SSN and DOB. Then I saw on screen 2 phone numbers that were not my phone number. I think these phone numbers were used to open Well Fargo account under my name and my SSN.
Product: Debt collection

I received XXXX collection letter from Convergent Outsourcing in reference to XXXX accounts I allegedly owe to XXXX. These accounts were oped fraudulently using my name and personal info. I have advise the credit bureaus and Convergent that this is not mine, Who would open to XXXX accounts on XXXX different address on the same day. Convergent refuses to help with this situation and its hurting my chances of purchasing a property, since its being reported to the credit bureaus as XXXX collections