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

I do not have an account with USAA Bank, yet I urgently need your attention regarding a serious issue involving a stolen and altered check from my XXXX business checking account ending on XXXX. 
In XX/XX/year>, a check I mailed to pay my business leaseoriginally intended for XXXX XXXXXXXX XXXX XXXX  XXXX an address in XXXX, XXXX stolen and fraudulently deposited via a mobile app into an account at USAA Bank. The check number ( XXXX ), amount ( {$3700.00} ), and a significant portion of my signature were preserved, but the payee was altered to " XXXX XXXX '' with an address in XXXX XXXX, FL. 
I only became aware of this alarming situation in XXXX, when my landlord informed me, I was behind on payments. Upon reviewing my bank account, I discovered that the payment had been processed, but I hadn't previously examined the check image. It was only when I attempted to provide proof of payment that I realized the check had been altered. 
I have reported this matter to the XXXX XXXX Department, the XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), and, following XXXX 's advice, to the postal service and the FBI due to the cybercrime implications. Given the fraudulent address in XXXX XXXX, the case has been assigned to XXXX XXXX XXXX. 
USAA has been subpoenaed to disclose information regarding the suspicious account. According to Detective XXXX and XXXX XXXX, a Senior Specialist at USAA, the account raised red flags from the outset. USAA has since frozen the account, never disbursed any money but the funds remain unreturned. 
Despite my banks attempts to communicate with USAA for recovery, they have received no response. My branch manager at XXXX contacted USAA 's Fraud Department on my behalf, only to be met with rudeness and a refusal to engage. 
It is unacceptable that a bank is holding funds that do not belong to them, especially when they are aware of the fraudulent nature of the transaction. This situation demands immediate action. I urge you to intervene and ensure that USAA Bank returns the money to my bank promptly. 
Thank you for your urgent attention to this distressing matter.
Product: Credit card

Looking Through My Postcards From My Travels, I Noticed a Receipt. On XXXX XXXX Someone With A Credit Card ( An Old Credit Card Number I Once Had ) From Wells Fargo Charged an Amount of Around XXXX XXXX. Dollars at the XXXX XXXX in XXXX. 

Now, The Truth is Stranger Than Fiction. I Had to Close My Account Because My Father XXXX XXXX XXXX Steals From My Account Because They Would Not Allow Me to Change My Account From XXXX XXXX When I Had Initially Told Them I Was XXXX XXXX XXXX XXXX 

I am XXXX XXXX XXXX But There Are at Least XXXX XXXX XXXX. Do You See the Problem? 

So I Believe, They Cloned My Debit Credit Card and Pigbacked On Another Account They Had On My Name With My Social Security. 

Sounds Farfetched But It is Very Easy With the Number of Hackers in This Century. 

So, I am Filing a Complaint Against Wells Fargo That Should Also Go to The Justice Department For Cloning My Card and Stealing My Identity. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/2023 a loan officer conferenced in an employee from your company regarding my disputed claim about a delinquent account reported to the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ). That was the first and only contact I have had with your company ; although your employee alleged someone spoke to your company the day prior XX/XX/2023. At this time I respectfully request your company to remove all and any defamatory information from the credit bureaus as it is invalidated and unbeknownst to myself. It was only reported as of XX/XX/2023 with no prior contact therefore I can not be delinquent on any such alleged debt as I have not contracted with Portfolio Recovery Associates and no notice or payment requests have been received.
Product: Vehicle loan or lease

After further investigation into my problem that began on   XX/XX/XXXX , I fi nally discovered what has transpired without my knowledge damaging my perfect credit with no help from  XXXX   XXXX  whereas they continue to willfully violate the Fair Credit Reporting Act.     I had a  XXXX  M FINANCIAL lease which I turned in on  XX/XX/XXXX  (   XXXX   XXXX   ) I extended th e lease by  ( 1 ) month w hich was verified and paid on time just like every payment in this history on this  XXXX   XXXX  Lease that matured on   XX/XX/XXXX .       GM Financial agreed  to waive charges if I took out another lease with them and so on      XX/XX/XXXX   , I    signed for a new lease for a  XXXX   XXXX   XXXX  for 39 months.     Since inception date of new lease (  XXXX   XXXX   ) and disposition of former  lease (  XXXX   XXXX   )  both conducted on the same date (   XX/XX/XXXX  ), I never e ver heard fr om GM FINANCIAL  except for sending me monthly bills on my new lease to which I have paid to date without every being late 30 days ever.     I never received a final bill for my former lea se (   XXXX   XXXX   ) in any capacity. I NEVER received a bill asking for payment by Regular U.S. Mail, Express Mail, email of record, voicem ail on my phone number on record, no text message, absolutely no conveying of a debt owed at all.      First of all, I should n ot have a bill since I acquired a new lease through them again and secondly, If I did have an actual bill, I should 've had a chance to receive a bill to be able to review it and then pay for it. On   XX/XX/XXXX ,  all  XXXX  credit bureaus  (  XXXX ,  XXXX  and   XXXX   ) have me    CURRENTLY at 60  days late.     I have never ever been late 30 days ever to ANY CREDITOR ever at any point in my life and to have this erroneous mark appear with a " Past Due Balance of {$700.00} '' is not only absurd but unprofessional and in violation.     If I was alerted property, I would have paid that {$700.00} is indeed I owed {$700.00} dollars to them.      1st, s ince my lease termed and ended  on  XX/XX/XXXX , WHY did GM FINANCIAL fail  to properly notify me in any capacity and in addition, WHY did they wait 9 months without  zero communications to suddenly place a " current 60 day late '' on my credit reports damaging my c redit reports and damaging my current application for a refinancing of my residential property?     I have now also alerte  d the State Attorney and the Federal Trade Commission.
This erroneous trade-line must be deleted at once by GM FINANCIAL and a  lso must furnish a copy of this alleged final bill of " {$700.00} '' so it can be property paid if in fact this is a factual owed amount and itemized.     Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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 XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting letters to the credit bureaus since XXXX. The last letters I sent in XXXX. XXXX  responded that the account was verified by courts which is untrue because I have letter from court stating they dont give information to credit bureaus. XXXX XXXXnd Experian has yet to respond and its been 30 days but I sent letter to them as well from the bankruptcy court asking also that the information for Bankruptcy be removed from XXXX credit report. 

XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  He told me it was going to be a soft inquiry and not hit my credit score. he was very misleading
Product: Mortgage

HOMELOANSERV has continued communication directly and indirectly after a cease and desist was sent to them. Stating to another party that they cant talk to me while still talking about my affairs. They are also in violation of title XXXX usc XXXX ( XXXX ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and. 
Nor did XXXX state in the voicemail message that she is a debt collector and this is attempt to collect the debt before she began speaking. 
XXXX u.s.c XXXX ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( XXXX ) to advise the consumer that the debt collectors further efforts are being terminated ; ( XXXX  ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( XXXX ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
Product: Credit reporting or other personal consumer reports

Some personal details on my profile are incorrect. I request a review of all documents that hold my correct information.
Product: Debt collection

I contacted midland credit management by phone on XX/XX/year> at XXXX which they informed me the debt has moved to a law firm which midland credit management provided me with the law firm number. I called the law firm at XXXX and spoke with one of the law firm employees name miracle who was abruptly rude and refused to correct the alleged debt owe after I satisfied the garnishment payment of {$2200.00} on XX/XX/year> with my pay stub as proof. The law firm employee threatened to increase the inaccurate, false and misleading debt of {$20.00} each day if I didnt pay the false debt that is damaging my consumer report.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX NAMES XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX Account number XXXX XXXX XXXX XX/XX/XXXX Open/closed Closed Balance {$3900.00} XXXXXXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXXXXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Balance {$0.00} XXXX XXXXXXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Open/closed Closed Balance {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX opened XX/XX/XXXX Open/closed Closed Balance {$3900.00} XXXX XXXX  Account number XXXX Date XXXX XX/XX/XXXX Open/closed Closed Balance {$0.00}
Product: Debt collection

I received a Credit Card from XXXX XXXX back in XXXX. I purchased XXXX items. I moved so therefore I did not know how much was bill was for. They stated they sent statements to my old address. I received and continuing to receive debt collections notices from Midland Funding. I wanted to clear this debt but the amount they stated I owe is not correct. I contacted Midland Funding to get the original creditors information a young man by the name of XXXX stated they do not have this information which is false information they would have this information. I told him I was going to get the XXXX to look into this he stated he did not care who I get. I contacted XXXX XXXX, I spoke with XXXX, XXXX, and XXXX who are Senior Manager 's. They stated they sold my account to Midland Funding and my record is deleted from their system. They said Midland Funding would have the bill. Midland Funding only send out letters, they do not send out itemized bill. I do not know what I am paying for. I wanted to get this off my credit. I can not not pay bill without an itemized bill that is the law. If someone request an itemized bill from the original creditor they must provide it. XXXX XXXX stated they deleted my files. How do I know if I owe it. I spoke with both companies on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting derogatory info on my credit file. A firm named XXXX co dc is reporting a charge off. Have no idea who or what this firm is or sells. Requested CBR 's  remove, they say will not do. Sent me nothing to substantiate account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions NEW XXXX XXXX Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/2019 Account type Mortgage
Product: Debt collection

This is concerning the debt which we dont owe. With XXXX XXXX XXXX XXXX Bundle with XXXX XXXX, our contract with XXXX XXXX XXXX was over in XX/XX/2018. All the bills was paid in full, call the XXXX XXXX XXXX agent and clear everything. It was with XXXX XXXX we had two years contract and upon signing with the company we were told if we moved away from the location where they were providing service, to another location and if XXXX XXXX XXXX XXXX bundle has no coverage then there should be no early termination fee. We moved to XXXX XXXX from XXXX on XX/XX/2018, and we called the company to transfer our XXXX XXXX XXXX XXXX bundle to our new location, but they dont have coverage in our location, for that they promise us there is no termination fee and we owe {$0.00}. But after few months we received several letters from Credence Resource management LLC collection company saying that we owe {$400.00}. So I call XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XXXX XX/XX/2018. I spoke to XXXX XXXX XXXX agent XXXX at XXXX, she is from Bundle billing department for XXXX XXXX XXXX XXXX, She has checked everything and she told me her supervisor will be writing to the collection company to recall this debt of {$400.00}. The charges was for equipment and early termination fee, I have return the equipment both to XXXX XXXX XXXX and XXXX XXXX. I have both the receipt, that was shipped out on XX/XX/2018 from the XXXX XXXX here in XXXX XXXX XXXX, I have given agent XXXX both the Reference number. I will attach both the receipts for proof. Also the last statement from XXXX XXXX which shows the {$0.00} Balance in our account.Agent XXXX told me we will not be receiving any more letters from the collection company, that all is taken care of, but we still get letters from the collection company.
Product: Credit card or prepaid card

I do get daily balance updates for XXXX of my achievers prepaid visa cards by Blackhawk Network. I know how much is in there. However, while using in stores where visa is accepted, it kept declining. I tried calling yoir customer service XXXX, it will click off at any time and disconnect. It is very poor customer service thay is provided. Your info also said that if having issue while at cashier, have them call the number. How will that work when I can't even reach anyone as it will disconnect??
Product: Mortgage

Truist charged me {$62.00} for a lapse in homeowner insurance during which I didn't have coverage from switching to a new insurance company. But I didn't receive any notice that they bought this force-placed homeowner 's insurance and we didn't agree on the premium at all. I tried to contact them but they couldn't provide me any details of this force-placed insurance at all. I think they didn't even buy it and just want to charge me for the gap.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting these discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

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

XXXX # XXXXXXXX XXXX XXXX  XXXX - Balance {$970.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX - Balance {$830.00} XXXXXXXX XXXX # XXXX - Balance {$3200.00} Unauthorized Inquiries : XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Shellpoint Mortgage Servicing is servicing my home mortgage account. I was in a forebearance plan from XX/XX/XXXX, until XX/XX/XXXX due to covid. My forebearance plan was set to end on XX/XX/XXXX, and I reached out to end the forebearance prior to XX/XX/XXXX. They offered to set me up with a Standalone partial claim and sent me a letter ( attached ) stating that my next payment was not due until XX/XX/XXXX if I accepted. I returned the executed agreement to them by XX/XX/XXXX per the agreement. Recently, I checked my credit and it had dropped by almost 100 points. I immediately reached out to Shellpoint and submitted an internal complaint. I received the letter dated XX/XX/XXXX that contradicted the standalone agreement that I had executed with them that clearly states when the next payment is due. I tried to contact the company again and explain and they gave me a generic email to send my issue to but that went unanswered. I was not able to speak with a supervisor, manager, or even somebody in the department that would handle this issue. I am hoping this avenue may work better.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and several fraudulent accounts have appeared on my credit report. As a result, I am requesting that these accounts be blocked and deleted from my credit file in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$25000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$5100.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$28000.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$11000.00} XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00}
Product: Debt collection

I have called multiple times to get this matter resolved they have put multiple accounts on my credit report that I did not authorized these accounts are fraudulent account 's XXXX is the account number
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Acct ending in XXXX. 

XXXX sent an invoice to me which was {$12.00} less than the invoice they sent to their collection agency, XXXX XXXX XXXX. I paid the lower invoice on time. XXXX XXXX, however, charged me an additional {$580.00} over the next 6 months for interest and late payments. I had not included the XXXX in my payments. I did not see the second invoice. When I started to receive late payment notices, I did not know who TD Retail was. I discovered they were the collection agency for XXXX. I tried contacting them and XXXX using dispute claims, phones calls and emails. I could not contact a live person at TD Retail, so I paid {$580.00} in XXXX of this year. 
In XXXX of XXXX, I ordered a XXXX XXXX on-line. On XX/XX/XXXX, XXXX issued an invoice for {$1700.00} ( Exhibit 1 ). They sent the billing & invoice to me for this amount along with the refrigerator ( Exhibit 2 ). I paid this invoice using on-line banking, setting automatic payments of $ XXXX, starting in XX/XX/XXXX, for 11 payments and the remaining {$110.00} payable on XX/XX/XXXX ( total {$1700.00} ). All payments were made on time ( Exhibit XXXX ). 
Following the first invoice on XX/XX/XXXX, XXXX cancelled it and issued a second invoice for {$12.00} more ( Exhibit 4 ). They sent this invoice to TD Retail Services for collection. 
Not receiving the {$12.00}, TD XXXX charged my account from XX/XX/XXXX through XX/XX/XXXX a total of {$580.00} for deferred interest, interest charges, and late fees. XXXX XXXX XXXX needs to return the {$580.00} and contact the 3 major credit agencies stating that no late payments occurred because of an invoicing billing problem by XXXX.
Product: Debt collection

In addition to calling the # I gave, which is my cell, they also called me at work today and took a long time to finally tell me who they were. This was for my husband 's debt, who is currently at a stage XXXX XXXX XXXX and can not work. I told him why he nor I can pay the debt is due to XXXX and he was completely rude and said that he is marking it as refusal to pay. He also made a reference that they can take legal action. 

the name of this Debt Collector - Insight Management XXXX The name of the rude agent - XXXX XXXX
Product: Debt collection

I do not know if the debt is actually mine. My ex-husband obtained credit over the internet in my name. I was told by the debt collector it was my debt. I do not have any verification if this is mine. What should I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX XXXX XXXX  # XXXX is reporting an account to my credit that is past the Statute of Limitations in Utah . I no longer legally owe this debt and I need it removed off of my credit report.