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

On the morning of XX/XX/XXXX, I left my home city of NY for the XXXX holiday, returning in the evening of Friday XX/XX/XXXX. 

Over 50 purchases were made with my USAA Federal XXXX debit card over the course of XX/XX/XXXX and XX/XX/XXXX, totaling over {$3900.00} in charges. When I realized what had happened on XX/XX/XXXX, I contacted USAA and requested they freeze the account and issue a new debit card and PIN, which they agreed to do. USAA also agreed to conditionally restore the money illegally spent from my account while the bank conducted a review. I was told by a representative that I would be contacted by the bank if documents were needed for the review. I told the representative that I was out of town for the majority of XX/XX/XXXX and could prove if needed, On XX/XX/XXXX, USAA began to claw back funds from my account after informing me that their review had determined there was no fraud, despite the unusual nature and volume of the purchases made, compared to historical spending patterns. 

-USAA never contacted me during this spending spree to confirm if they were my purchases, standard practice among financial institutions. 
-USAA never requested ANY documentation to assist with the review -USAA has not contacted me directly during their review -USAA continues to take money from my account, despite, taken together, the unusual nature of the purchases, the unusual volume, and my assertion that I was out of state for the majority of time period.

-USAA has not cited ANY evidence to support their contention that I made these purchases. 

I have filed a police report with the XXXX and can provide a copy upon request. 

I have attached the fraud review letters from USAA ; even a cursory examination will show a pattern of spending consistent with fraud, especially when compared with the historical use of that account.
Product: Credit card or prepaid card

Card was used on the XXXX of XXXX for XXXX and again on the XXXX for XXXX after it was stolen I emailed the fraud dispute company on the XXXX when I realized it took them until XXXX XXXX to respond with the information they needed I sent that on XX/XX/XXXX since I was unable to send emails until then and have since then emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX thinking maybe they were just to busy from holidays but have not gotten a single response to any email as to wether action has been taken yet
Product: Credit reporting or other personal consumer reports

This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Debt collection

Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.
Product: Checking or savings account

My HSA account with UMB Bank was closed at my request as a HSA Direct Transfer Request on  XXXX   XXXX ,  2017 . {$22000.00}  (  along with an account closing fee of {$15.00}  )  was debited from my HSA account on  XXXX   XXXX ,    2017 to close the account.     As of today,  XXXX   XXXX ,  2017 , this check with {$22000.00} has not been received from  UMB  Bank by my new  XXXX  provider,  XXXX   XXXX   XXXX .     I called  UMB   XXXX   XXXX  today  (   XXXX   XXXX ,  2017  ) for a status on this check. I was informed by the service representative that this check was mailed out on  XXXX   XXXX ,  2017 .     How come it took UMB Bank 8 days to mail a check for funds which was debited from my  HSA  account on  XXXX   XXXX ,  2017 ?
Product: Credit reporting or other personal consumer reports

XXXX Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX Equifax Fail to Rebut the Affidavit Sent in Complaint Filed # XXXX Equifax Fail to Rebut the Affidavit Sent in Complaint Filed XXXX Failure to rebut an Affidavit after 30 days is deemed forfeited and the Affidavit now Stands as Fact Per Rule 56 Summary Judgement. 

Per 15 USC 1692g XXXX, Equifax, and XXXX are hosting false information on my consumer report. This has caused great financial hardship and has caused me to lose many valuable opportunities and so much time with family and friends. 

I have been gravely injured and I request a settlement in the form of a check paid to XXXX XXXX and for the items listed in the Affidavit as negative by request of 15 USC 1692g to be DELETED off my Consumer Report, For I did not consent to authorize nor benefit from the listed accounts.
Product: Payday loan

Dear sirs, Hello again, my case number was XXXX. The first case I had reported to you was about this collection agency who calls themselves " XXXX '' and that they were continuing to harass me about a debt I had owe. I am now being contacted by another collection agency who calls themselves XXXX XXXX XXXX. Whereas XXXX was using an " XXXX '' area code number to call me this new agency is using a " XXXX '' area code number to call me. This new collection agency called me on XXXX/XXXX/15. They have n't started harassing me as of yet, but I 'm very cautious of them, because they seemed to be operating in the same manner as XXXX did. They caught me totally off guard. I just want to report them to you because they are also starting to harass me about the same debt that I owe. And also, so that you can have an up date on what 's going on. They are call XXXX XXXX XXXX and their number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX amount XXXX us department of education filed ftc report I am a victim of identity theft please remove and block account XXXX  found to b unverifiable XXXX   and Equifax still reporting the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022 I disputed the completeness and accuracy of a trade line reporting on my consumer report and Experian said they updated the account only for the account to be reporting the same way. This is my final attempt at resolving this before I file a federal lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the following inaccurate information to be updated. 

BELOW THE ACCOUNTS NEED TO BE update these has been paid. Please update it to PAID ASAP. 
XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, This is in regards to my credit report with XXXX and XXXX they are reporting this account on my credit report from. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX partial account # XXXX ... .date open XX/XX/XXXX first reported XX/XX/XXXX. This account was open as fraud I did not authorize this company to open any accounts in my name. I have reached out to the company requesting for proof of my signature and also to provide proof of photo ID. The company has not provide any of this information to me. I also informed the company that I have been a victim of identity theft and to please remove this information off my credit report. I also have reached out to both creditors XXXX and XXXX about this account letting them know that this is a fraud account. Please assist me in this matter with helping me getting this account remove from my credit report thank you ...
Product: Credit reporting or other personal consumer reports

It has come to light that you are not withholding records, as evidenced by my sending a copy of the FTC report. As required by regulation 605b of the FCRA, I am submitting this Complaint to help facilitate a proper response in accordance with the law. If you choose not to obstruct the following items listed below, which pertain to incorrect responses due to fraud, I will turn over my documents to my attorney to initiate legal proceedings. My intention is to avoid pursuing any legal action, so please adhere to the law. 
XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$11000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance : {$23000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MI XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$23000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2017 I received a letter from Bank of America saying that they were closing my account. I have had the account for the past 12 years. It is for a small XXXX that collects monetary donations for XXXX XXXX by XXXX in XXXX. Money is collected and then wired to XXXX several times each year all through this account. I called the customer service number on the letter ( XXXX ) and no one would give me a reason for the closure. I explained that I owe an explanation to our donors ( 250+ )  as to why the account is being closed. No one seems to be able to offer an explanation..
Product: Credit reporting, credit repair services, 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 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 has violated my rights. Or 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 card

On XX/XX/XXXX, XXXXI received the bank letter, which is Chase and XXXX XXXX.It says that I got an identity theft, mentioned that some one may be using my personal information fraudulently and declined an application because of this.So, I want to know whats the reason that I have this kind of problem, and what should I do with this.Thank you.
Product: Mortgage

We submitted a written request to our mortgage company by email to remove PMI. We have had 1 year of on time payment history and meet requirements of 78 % LTV for automatic removal. The mortgage company has denied our request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a FACTUAL dispute of my credit report ( first attachment ) to Experian. This WAS NOT done by a credit repair organization. Experian failed to reasonably investigate this dispute per FCRA requirements. If they did, these inaccurate accounts would've been deleted from my credit report. Scanning a dispute letter through their e-Oscar system does NOT qualify as a reasonable investigation. The dispute results Experian gave me will be the second attachment.
Product: Consumer Loan

CHASE AUTO FIANCE HAS ILLEGALY PULLED A COPY OF MY TRANSITION AND EQUIFAX CREDIT REPORT FOR VECHILE LOAN I NEVER APPLIED FOR, RUNNING INQUIRIES AND CAUSING A MIXED FILE! I WANT THIS FIXED IMMEIDETLY AS I HAVE NO RELATIONSHIP WITH THIS BANK AFTER THE FRACAS THAT OCCURRED A YEAR AGO.
Product: Payday loan

I went on vacation 1 day before XXXX of my pay dates which was XXXX/XXXX/15, so the company said they would make my due date on XXXX/XXXX/15 since I was returning from vacation on XXXX/XXXX/15 and the company would be closed until XXXX/XXXX/15. They led me to believe my next pay date would be on XXXX/XXXX/15. Instead I paid my payday loan and they set it for XXXX/XXXX/15 instead of the XXXX/XXXX/15 I had been told. so in 3 days I would be paying another XXXX fee for a payday loan. I believe this is wrong and a way to take advantage of payday loan customers. I believe this companies need to be regulated closer and ones like Cash Express and basically using threats and extortion on their customers to scare them when all they do is collect court cost. They can not press criminal charges. Cash Express needs to be regulated better and not using scare tactics to intimidate customers. XXXX is the manager and XXXX was who waited on me.
Product: Debt collection

This complaint is in regard to my last complaint XXXX. Based on the company response and the status update which indicated that the company deleted the fraudulent account, after my complaint, I was under the impression that Indigo/Genesis realized their error ( that it was never my account ) and would stop reporting negative/delinquency claims to the credit bureaus! Today on XXXX, XXXX XXXX yet another false report was send, this time to a different collection agency. Once again it was Indigo reporting the same fraudulent account, with the exact same amount of {$680.00} which was supposed to be deleted from my records for good. I had just barely recovered from the last time this institution filed a false report with a collection agency against me. Once I was able to recover, after the credit bureaus investigated and confirmed i was a victim of fraud my credit score improved significantly. Today Im looking at what I could have achieved and my missed opportunities due to the fact that the same company went to a different collection agency and reported the same account that was supposed to be closed because I never had anything to do with it! This company is ruining my life! I was trying to buy a house and I was so close to getting the credit score I needed. This report changed my status from good to fair I was working so hard to boost my credit score! i have every proof that this account if fraudulent. However, the time it will take to dispute and resolve this matter will cost me yet another opportunity to buy a house. All this has cost me over a year of missed opportunities with no end in sight! I never knew Indigo, Genesis or whatever they call them selves existed until they repeatedly filed false claims against me! I want to be very clear! I have never opened an account with this company before nor did I apply for any line of credit with this company and most importantly I would never use this company in the far or near future! 

One important aspect about this resent collection report is that it indicates that l allegedly opened the account in XXXX. However, it shows one late payment in XXXX of XXXX which is this month! How can an account be delinquent in less than 30 days? Another aspect is that the credit institution is Indigo and they are claiming the same amount of {$680.00}
Product: Debt collection

I received an email from XXXX ( my credit monitoring services ) on XX/XX/2020 about a new account that was added to my ; XXXX & XXXX XXXX reports from " Diversified Adjust Services '', which I was told by XXXX from ( Diversified ) on XX/XX/20, that they are a third party collection company for " XXXX ''. This is a fraudulent account on my credit report. I am a victim of identity theft, I did not authorize anyone to use my name or personal information to seek ; money, credit, loans, goods or services from " Diversified '' or " XXXX '' and I am requesting that this account be REMOVED from my credit report. Your failure to REMOVE this account has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against XXXX XXXXXXXX for violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit bureaus. Specifically, XXXX XXXX has been reporting inaccurate payment history and amount owed on my account, which has had a significant negative impact on my credit score and financial standing. 

Despite numerous attempts to rectify these issues with XXXX XXXX directly, I have not been able to obtain a satisfactory resolution. Furthermore, these inaccuracies have resulted in XXXX XXXX reporting misleading information to credit bureaus, in violation of my rights under the FCRA. 

As a result of XXXX XXXX 's inaccurate reporting, my credit score has suffered a significant drop of XXXX points on three separate occasions in the past 90 days. This has caused me undue stress and financial hardship, as it has made it difficult for me to obtain credit and other financial services. 

Under the FCRA, XXXX XXXX is required to provide accurate information to credit reporting agencies, including payment history and amount owed. Furthermore, if XXXX XXXX becomes aware that any information it has provided to a credit reporting agency is not accurate, it is required to promptly notify the agency and provide corrected information. 

Therefore, I am requesting that XXXX XXXX be held accountable for its violations of the FCRA and that any inaccurate information be removed from my credit report. Additionally, I am requesting that XXXX XXXX be required to pay {$100000.00} damages for harm that has been caused to my credit score and financial standing. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

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

XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Consumer 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 person credit cards and other accounts. XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX XXXX XXXX  ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, XXXX. XXXX XXXX XXXX ACCT # XXXX DATE OPENED XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries collections appearing on my consumer FICO credit report. I've attached a list of accounts in question the aforementioned accounts, collections appearing on my consumer credit report were not opened, made, or initiated by me. All of these are a result of fraud. I have attached a copy of the FTC identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collection are the result of identity theft and fraud.
Product: Checking or savings account

I mailed a check on XX/XX/XXXX for {$3200.00} from DC to my sister in XXXX Washington, and gave my daughter a check for {$3200.00} on XX/XX/XXXX, intending to close out the checking account for my mother 's trust ( she died in XX/XX/2021 ), which had a balance of {$6400.00}. On XX/XX/XXXX, received email from Wells that account was overdrawn by {$1000.00}, and discovered that check mailed to my sister had been altered to {$4200.00}, and payee had been changed to XXXX XXXX. Immediately called Wells and reported fraud. They would not email me affidavit to complete, which I only received by US mail on XX/XX/XXXX. Completed affidavit, had it notarized and returned certified mail XX/XX/XXXX, and it was received by XXXX XX/XX/XXXX. After numerous call to their fraud department, finally got call from investigator today, XX/XX/XXXX, who said I have to wait until they recover funds from bank which accepted fraudulent check in order for them to credit my account the {$4200.00} They agree it was fraud -- the handwriting in the altered amount and the name were clearly different than the rest of the check, and I should not have to wait for them to get their funds, as they accepted a fraudulent check. I did nothing wrong. When I mailed it, the check was inside a paper addressed to my sister and not remotely visible.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report which I believe to be inaccurate and in violation of several laws. Specifically, I am disputing the following accounts : XXXX  XXXX XXXX charge off account XXXX XXXX  XXXX charge off account XXXX XXXX XXXX charge off account Firstly, the XXXX XXXX charge off account is inaccurate. I have no record of this account, and I have never received any communication regarding this alleged debt. Furthermore, I have never been contacted by any debt collector regarding this account, nor have I been served with any legal documentation related to it. This account is in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). 

Secondly, the XXXX XXXX charge off account is also inaccurate. While I do recall having a credit card with XXXX, I have no record of any outstanding balance or delinquency. I have not received any communication regarding this account, nor have I been contacted by any debt collector or served with any legal documentation related to it. This account is in violation of the FCRA, FDCPA, and TILA. 

Finally, the XXXX XXXX charge off account is also inaccurate. I have never had a loan or any other financial account with XXXX, and I have no record of any outstanding debt with them. This account is clearly a case of mistaken identity, and is in violation of the FCRA. 

I request that you investigate these accounts and remove them from my credit report immediately. I also request that you provide me with written confirmation of the removal of these accounts and any other information related to them. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two FTC reports, the report numbers are XXXX on XX/XX/2021 and XXXX on XX/XX/2021, stating my card was stolen and the charges were fraud. XXXX added remarks on my credit report stating the debt was " Charged off as bad debt - Dispute resolved ; reported by grantor. '' I have done another FTC report the report number is XXXX and it is attached.