23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

MY COMPLAINT IS AGAINST USAA : ** BLATANT DISHONESTY!!! See attatched XX/XX/XXXX USAA CREDIT CARD FRAUD CLAIM Claim Date XX/XX/XXXX Amount {$470.00} ****** UNAUTHORIZED*****. USAA has never provided credit for this fraud of XXXX. I SUBMITTED A WORK ORDER TO REVIEW 18 Xs over past two years. See attatched USAA : REVIEW OF YOUR CLAIM IS COMPLETE dated XX/XX/XXXX XXXX NO FRAUDULENT ACTIVITY FOUND AFTER REVIEW OF YOUR CLAIM what?? ****** see attatched USAA XX/XX/XXXX STATEMENT **** NO USAA CREDITS**** MY OPINION USAA ARE CRIMINALS. I AM AN ID THEFT *VICTIM XXXX YR OLD *DISABLED XXXX YR MEMBER *ABUSED BY USAA. ( USAA HAS DESTROYED MY EXCELLENT CREDIT WITH USAA DISHONESTY. )
Product: Mortgage

I am writing to lodge a formal complaint against BMO Bank N.A. for what I believe to be fraudulent and deceptive billing practices regarding my Home Equity Line of Credit ( HELOC ) account. 

Details of the Complaint : Incorrect Billing Statement : On XX/XX/year>, I received a billing statement for my HELOC with a billing cycle closing date of XX/XX/year> and a payment due date of XX/XX/year>. This due date makes it logistically impossible to meet the payment deadline as it allows for less than a 24-hour payment window. 

Acknowledgment of Error without Rectification : Upon contacting the bank through the provided phone number ( XXXX ), a representative named XXXX confirmed that the billing statement was indeed incorrect. Despite acknowledging the error, he refused to provide written confirmation or corrective notice specifying the actual due date, which he verbally stated to be XX/XX/year>. 

Recurrent Issue : XXXX admitted that such occurrences happen " sometimes, '' suggesting a pattern of erroneous billing that goes uncorrected by the institution. 

Allegations : Based on the facts presented : The bank has engaged in a pattern of distributing incorrect billing statements, which can mislead consumers and potentially cause financial harm through missed payments or late fees. 
The refusal to provide written confirmation of the correct due date, even when acknowledging an error, demonstrates a lack of transparency and an impediment to consumers ' ability to maintain accurate financial records. 
This pattern of behavior may qualify as a deceptive act or practice that could deceive consumers acting reasonably under the circumstances, in violation of the FTC Act.
Product: Debt collection

On XX/XX/18 I went to XXXX XXXX Virginia hospital East emergency room for XXXX XXXX pain. Mind you, I was diagnosed 2 days prior to this visit on XX/XX/18 with XXXX XXXX  from XXXX XXXX XXXX hospital in XXXX VA. 

Long story short, I did not have health insurance at this time and applied for financial aid help while I was waiting to be seen, I spent 10 hours in the emergency room where I NEVER saw the actual physician only his assistants who told me I had 3 large XXXX XXXX, I asked more than once for confirmation of the size and location only to be told there was actually only 1. 

From there I was told I was unable to receive any pain medication due to the rising opioid epidemic in Virginia. The other nurse who was working with me said that she was sorry and she knew I was in pain and would try to help get me some relief but the nurse refused. 

I left with THE WRONG DIAGNOSIS OF XXXX  including feeling ashamed/ embarassed of myself because I was being stereotyped as a XXXX XXXX and thought that I had done something wrong when I clearly had excruciating pain from XXXX XXXX. 

I then received a bill of almost {$6500.00} that I wrote a letter to dispute which was denied and then I waited apparently too long to pay them and I received a warrant in debt letter and then set up a {$170.00} payment plan dos they wouldn't garnish my wages and this has really affected my life finically. 

I'm writing you to ask that review the enclosed example dispute letter from a company I had asked to help me further dispute this bill. I did not have the funds available to hire them to represent me but I was given the sample letter. Please let me know if you think that you can help me further dispute this bill or if you can point me in the right direction of someone who can.
Product: Debt collection

On this date XX/XX/2017 exquifax allowed XXXX XXXX to furnish a charge off account. 
Account : XXXX I have never signed any written document that i owed this debt to the collector. This is an infringememt to my right of privacy pursuant to 15 USC 1681 ( a ) ( 4 ) and a disregard for permissable cause as well as not following my written instruction pursuant to 15 USC 1681b ( a ) ( 2 ) I do not know who they are and have not verified that i owe this debt to alleged company please have this removed all three bureaus XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting on my credit file that does not belong to me. The following does not belong to me : Personal Information that is incorrect : XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ( XXXX  & Equifax ) XXXX XXXX XXXX XXXX ( Equifax ) The following accounts are reporting inaccurate late payments status : XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( XXXX, XXXX & Equifax ) XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$840.00} ( XXXX, XXXX, Equifax ) The following accounts was open as a result of identity theft ; these are not mine : XXXX XXXXXXXX - Date Open : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) XXXXXXXX XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : {$0.00} ( Equifax ) The following inquiries were not authorized by me : XXXX XXXX  ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX ( 9 TIMES ) XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( 2 TIMES ) XXXX  ( 5 TIMES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX  ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

2 Separate Apartment complexes XXXX in XXXX Colorado and XXXX XXXX in XXXX Colorado reported evictions under my name. I have never been evicted from any property nor do I have any balances. On my credit report I have XXXX XXXX and XXXX XXXX which state after 2 years should no longer show ... I lived at these apartments XXXX/XXXX and XXXX/XXXX ... I have submitted information from both apartments and court documents stating there were no evictions or unpaid balances. These are hard inquires on my credit and need to be removed as well as whatever evictions are coming up under my name-This information is false.This has put me at risk for a current property whom I am trying to lease through. After looking at my credit report there are so many issues that I need help resolving. I have paid off all my collection accounts in full and have requested receipts for the payments.Never received anything.XXXX  XXXX, XXXX XXXX, LVNV and XXXX  XXXX NEVER SENT PAYMENT IN FULL RECEIPTS NOR REMOVED AND CLOSED THE ITEMS PAID.I was told the collection accounts would be not only closed but removed from my credit and marked as paid in full. That has yet to be done also. I have student loan hits from XXXX that are still coming up and I just paid {$12000.00} to XXXX XXXX to take care of almost 3 of the Private Student loans I have. I have utilized my XXXX XXXX and filed disputes but I still see issues and my score has barley raised. I dont know what else to do. I have Supporting Documents I will include as far as the evictions go. I can get bank statements for ALL collections accounts that have been paid in full and the XXXX XXXX payments or whatever I need to do to provide proof these items have been paid. Also most calls say recorded so ALL CALLS made to these companies should be available to replay for proof of what was done and said would be done.
Product: Checking or savings account

I am currently sharing a USAA checking account ( member # XXXX ) with my ex fianc and he was got involved in a scam involving fake check deposits, which left my account with a large negative balance. All funds left by XXXX and debit card transaction. My fraud claim was denied, which is in violation of Regulation E, specifically guidance related to scams from XX/XX/2021.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened atXXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX, a personal phone account with XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, an auto loan opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX, a collections account opened at XXXX  on XX/XX/XXXX with a balance of {$560.00}, a collections account opened at XXXX XXXX XXXX XX/XX/XXXX with a glance of {$61.00}, a collections account opened at XXXX XXXX  on XX/XX/XXXX, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$12000.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$690.00}, a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$2700.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XXXX XXXX XXXX placed unauthorized charges on charge account. Internal account activity generated a fraud alert where credit was suspended. Worked with XXXX XXXX NC store. Employee XXXX made numerous unauthorized transaction without customer knowledge. Surely this is illegal. Asked for District Manager XXXX XXXX. Waiting for Asst Mgr XXXX to return call. XX/XX/2019
Product: Debt collection

Received a letter from " XXXX XXXX XXXX XXXX XXXX. '' that I owed {$2100.00} to Texas XXXX XXXX on XXXX, XXXX, 2024. I believed this to be a scam and did not respond to the letter. Numerous attempts to contact them by phone failed. They proceeded to place a derogatory entry on my credit report which notified me on XXXX, XXXX 2024. I have disputed the entry on XXXX based on my account history with Texas XXXX XXXX of which my account is in good standing and have never been late or behind in payments. I question how the information was obtained by XXXX based on the predatory nature of fear and intimidation to negatively impact my credit. Something must be done to protect other consumers from these predators.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I have been a victim of a data breach, and as a result, there are unauthorized accounts and inquiries on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that all accounts and inquiries mentioned below be immediately blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX. XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$920.00} Unauthorized Inquiry to be Blocked and Deleted : XXXX. XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I called about some things that appear wrong. Some addresse 's I 've never lived? I was told it 's been to long & could n't dispute the items. Some things that also popped out questions regarding loans for a mortgage & I was asked what bank I used my answer was incorrect because I do not own a home! Telephone # s I do not recognize either. Family members I 'm asked to verify in which I did & none were mine! I was told my request could n't be processed due to security reasons! I can not get back into my reports now.
Product: Checking or savings account

I transferred {$7000.00} from my external bank checking to Goldman Sachs savings account on XX/XX/23 I later on that day realized that I did not have enough funds in my checking account to cover my monthly bills so I requested the {$7000.00} be transferred back to my external bank account ( XXXX XXXX XXXX  ) I patiently waited and for 5 days and no deposit ever showed up. 
I have been calling every day and been transferred to different departments and spoke to numerous supervisors I spoke at length to a specialist at the dispute team I sent a certified letter with my account number as they requested and they received it XX/XX/23 at XXXX XXXX  They have verified my external bank twice with me and my external bank account XXXX XXXX the last time was XX/XX/23 at XXXX pm I spoke to them yesterday XX/XX/23 and the Dispute specialist said it would take 30 to 45 days to resolve. 
I told her it was not right since I have a large amount of funds already in that account
Product: Mortgage

Bank of America filed a fraudulent lien during financing of XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX VA XXXX. Double liens were filed, and when alerted about it, Bank of America is not taking any action to correct the lien status
Product: Debt collection

This company Credit Systems Intl is on my credit report twice for two separate medical bills that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report. On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.
Product: Credit reporting or other personal consumer reports

I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a Experian & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy have been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and is going against my federal consumer rights. This is causing emotional and mental stress as of now. Also, it is illegal these companies should NOT be furnishing people 's information to 3rd party companies so this is illegal, neglect, and fraud. I have already reported this to the local police department and the Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively affecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing litigation against this if these items are not removed immediately.
Product: Checking or savings account

On XX/XX/year> my online Bank, Goldman Sachs Bank USA notified me that my account was gone be closed. 
Nobody ever gave me any reason why. 
I only find out about the closing, because I was going to deposit more money and I was not alowed. 
On XX/XX/year> my account was finally closed but the bank never gave me back my money ( {$1000.00} ) plus the interest gain. 
I have call so may times for almost 4 months and the only answer I got is that my check is been process. 
I need help to get my money back
Product: Credit reporting or other personal consumer reports

On XX/XX/2021, after I pulled my credit report, I found out multiple accounts on it that were not mine, after a few disputes, I decided to filed and Identity Theft Police report. 

On XX/XX/2021, I started my first dispute, since then, I have been constantly sending dispute letters, until now, most of the accounts have been removed, unfortunately, there is one account that EXPERIAN has refused to remove. I am now trying to reach out the CFPB, because, I do not understand how the other two bureaus already remove this account with no problem and Experian jus does not. I really need this account to be remove from my report since I am not the debtor, instead I am a Victim of IDT. I am attaching a copy of partial credit report that includes the account that was never mine and I never opened as well as Police Report.
Product: Money transfers

My father wanted to send money to his sister XXXX. He sent my sister to handle it through MoneyGram XXXX at a WalMart that uses MoneyGram. Instead of setting up her own information, she used my XXXX her sister ) information for the same address to be used as the sender. When my aunt went to receive the money, it was under the impression that it was under my father 's information as the sender. Using the wrong information, she can no longer receive the money. While trying to talk to WalMart about this, they told us it was MoneyGram who was holding the money. I tried to contact MoneyGram this morning, but their automated help system was less than helpful to say the least.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX call on their recorded lines at transunion was left to be willfully hung up on after explaining to the supervisor the FCRA protections for inquiries and XXXX XXXX account fraudulently being reported. She decided to hang up and go silent. They have a police report on file as well as the FTC report and I have attached all documents including address and ID confirmation to this complaint to ensure to no reason to not handle this CFPB complaint. I've also attached a court ordered document from the illegally reported involuntary dismissal of identify theft public record directly from the XXXX. XXXX under XXXX XXXX code. two items below violating FCRA laws ( 605b must be blocked no later than 4 days of receipt which they verified receiving XXXX ) *Public Record : Reference # XXXXXXXX XXXX XXXX involuntary dismissal due to ID theft related accounts already removed. Direct letter from Judge. *Account : XXXX XXXX {$0.00} balance Also protected by FCRA if any information has proof to be misreported it can not be listed on any consumer report. I've attached the other 2 agencies full reports to show all these items in question are verified as fraud and not reporting. I am seeking prosecution for the willful ignoring of government laws and paperwork.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX says owe them monies from 2007. I have not been a recipient since 2007 and they have recently taken my state taxes to pay off debt. This is a debt fro 2007 how is it possible when it was supposed to be dissolved after seven years. This debt is making it impossible for me to move into a new apartment. it is now showing up on y credit as closed but in collections.
Product: Bank account or service

Brief summary : It appears that there may be fraudulent activity on my XXXX mother 's Wells Fargo account. Due to security concerns, Wells Fargo was unable to help us on the phone, and directed us to visit a retail location. The bank staff there ( XXXX, PA ) were hostile, uninformed, and impossible to work with. Fraud is an important concern for all of us. Wells Fargo initiated contact with us to request follow-up, but their staff have completely failed to help.
Product: Debt collection

The DATE OF LAST ACTIVIITY & DATE OPENED : Are reporting the same date which is, XXXX/XXXX/2019. This is wrong reporting after disputing with the credit bureaus they refused to removed it from my credit report. I don't have a contract with them and they don't have a signature from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally pulled credit report XX/XX/18 through XXXX  and told the dealership there was a fraud alert on the credit report and could not proceed. I verified with XXXX  there was no fraud alert.
Product: Debt collection

This company is charing me an amount that it belongs to someone else with a similar name. I need this off my credit report asap.