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

This is my Follow -up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please Remove the following items : XXXX, XXXX, XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX, MI XXXX, DEPTEDXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX XXXX Balance : -, XXXX XXXX XXXX Balance : -, DEPT OF EDXXXX XXXX Balance : -, XXXX  XXXX XXXX Balance : -, XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXXXXXX Balance : -, XXXX XXXX MI XXXX XXXX XXXX Balance : -, Bankruptcy XXXX XXXXdismissed XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXX-dismissed XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXXdischarged XXXX Filed on XX/XX/XXXX, Bankruptcy XXXX XXXX-discharged XXXX Filed on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX CARD Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I received a copy of my credit report and I noticed a inaccurate account on my credit report that is being illegally reported. I sent out letters to the company who was illegally reporting this information on my credit report. According to the Fair Credit Reporting Act 15 U.S.C. 1681 A3, the information that they are reporting is supposed to be excluded from my credit report and they are illegally reporting it and I told them that. I demand this account to be deleted from my credit report. I will file for litigation for this company violating the Fair Credit Reporting Act and they are held civilly liable for reporting this debt. I am also being ignored on my disputes. My information may also have gotten in the hands of the wrong person during the XXXX data breach.
Product: Money transfer, virtual currency, or money service

sent money to the wrong number and no warning was given or any confirmation asking if that it was the right one
Product: Checking or savings account

I filed a complaint ( ID XXXX ), on XX/XX/2023. All information about what was experienced thus was documented there. USAA did reopen the case and claim to have reinvestigated. I, however, still did not get a call from the Dispute team, which I asked for. I was told the Dispute team notated that I sent a lot of things but mostly not on regards to what they wanted. The blanket document USAA sends never clearly states anything. This whole ordeal began on XX/XX/2023, as of Friday, XX/XX/2023, I get a document saying there were no errors made and USAA will be reversing the {$900.00} on XX/XX/XXXX. I spoke to someone on the Resolution Team again and this time she heard me out and everything that has transpired due to this. USAA has put my case with the Dispute Team, this is a fraud case as well. Since XX/XX/2023, there was a credit card trying to be opened on XX/XX/2023 with XXXX XXXXXXXX XXXX which I filed complaint ID XXXX on XX/XX/2023. The purchase of the puppy and this XXXX XXXXXXXX XXXX  both have a XXXX XXXX, SD address. This place has never been on my radar, have not been there, or been affiliated with this since this. As of today, I hav filed another complaint with the Identity.theft.gov because now someone is trying to book hotels and such using my name, reference # XXXX. My credit reports have fraud alerts, they are all frozen. I do not think USAA has taken my case to the correct department. This needs to be address because it has taken a significant toll and hardship on me.
Product: Checking or savings account

XXXX XXXX my checkings account got closed due to fraudulent transaction/ overdraft of XXXX and I have did fraud claims which were denied and also appealed fraudulent claims. I report to the police station that I didnt have any card in my possession. Everything was stolen
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. FRCA 15USC 1681 I ( 5 ) ( a ) Information that is inaccurate or incomplete must be delete. And below is an account that have violated my rights and is requesting the account be removed. 

XXXX  XXXX These accounts also In accordance with the Fair Credit Reporting act 15 USC 1681 and 15USC 1692 ( g ) & ( c ) have violated my rights and is reporting incorrectly and is requesting the account be removed
Product: Checking or savings account

I know I've already sent a complaint prior but I'm just so overly welcomed that when you're the victim of the situation and you're being told that you can't get your funds back no matter how it happened it happened to me and I've been fighting to get my funds to me since the end of XXXX and I feel this is so unfair I said so many letters in I sent police report and I've sent even text messages amongst the people that had something to do with like I said they did refund some to me but I'm still waiting for {$1000.00} withdrawal and XXXX {$500.00} withdrawals with an {$800.00} withdrawal and in the copies of a text messages I send to them it states that they had a picture of my bank card and that's how they were doing the online transactions and they went to the mailbox and got my card out and they did a few other transactions because I had definitely known it was someone that was around me that done this to me so I start confronting people and then a certain person to text me and told me that they seen the pictures of my card and they were using my card and they went to the mailbox and this was told to me from a friend of mine and I swear to XXXX I had sooner or later you know karma will get them I don't have actual proof of them doing that something like that to me but I thought that was a good enough proof for them to refund my money back to me I'm definitely the victim and I would love to be treated as the victim. I mean I said in the last one I sent the documents of XXXX transfers that was on my account that I never took out you can see it's not on my XXXX account and it shows whenever they take out withdrawals there was like a XXXX transactions along with it the bank have no problem refunding XXXX to me and when you look at it it's like back to back XXXX, XXXX XXXX XXXX and it's like that through my whole Bank summary like anything they took out there was a XXXX transfer with it. And they had no problem with doing refunded online transactions. But the withdrawals is what they're having a problem with but you can see the XXXX  along with that too.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, PNC reported me to collections on an account that was paid in full on XX/XX/2019. I contacted both PNC as well as the collection agency ( then ) XXXX XXXX XXXX to advise the debt was paid in full with receipt. I was promised at that time the debt would be removed with apology. Fast forward to XX/XX/2019, I received a collection notice from XXXX XXXX XXXX for {$370.00}, the same amount paid on XX/XX/2019. I again called PNC as well as the collection agency both again apologized and promised to resolve. My concerns with this is the account should have never been placed for collections at all since it was paid in full prior to PNC electing to place me into collections twice for the same account. I do not trust neither believe in the process of PNC as they have failed to resolve this matter accurately and appropriately. I am seeking assistance and guidance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I had received a total loss on my XXXX XXXX XXXX XXXX. A correspondence was sent out on XX/XX/XXXX stating that my car was a total loss due to flood damage. I filed chapter XXXX bankruptcy on XX/XX/XXXX and my car was not included. Another correspondence was sent on XX/XX/XXXX Stating that their draft amount of {$11000.00} was sent for my account number in which they released the lien to XXXX XXXX. On my payment history in my account, the only payment that was posted to my account was the credit from my GAP coverage in the amount of {$1300.00}. On my credit report it states that my account was in a charge off status in which they received multiple payments in the yr XXXX yet my account was deemed a XXXX XXXX in XXXX of that year. Ive disputed that same inquiry twice and both times the charges were deemed accurate. I sent a Debt Validation letter via certified mail on XX/XX/XXXX to TransUnion and it was received XX/XX/XXXX and here it is XX/XX/XXXX and I still have not received any validating letters of any charges. I am asking that all Inquiries from this creditor be removed from my credit report immediately as it violates several FCRA standards
Product: Debt collection

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX  XXXX  XXXX and XXXX  XXXX  XXXX  for code of ethics violations.
Product: Checking or savings account

I recently discovered that for the past year, i've had unauthorized non-chase ATM withdrawals from random locations. Since XXXX of last year, ive had close to {$1500.00} taken from my accounts. Ive called Chase and filed a claim, and they gave me some credit for a few days, but after a few questions, they concluded that I " authorized '' these withdrawals since I still have my debit card and that it isnt lost. I told them I believe that my account has been breached and information stolen, but refuse to take any other action simply because my card hasnt been " lost or stolen ''. So to this day, XX/XX/XXXX, ive had another {$93.00} withdrawn from the same " non-chase ATM ''. I called again and told them that I just received a new card, I was put under a " security measure '' with them, meaning I would get texts everytime a withdrawal occurs, but I have not received nothing. No help. No recovery from my money. I told them its not about the lost money at this point, I just want these withdrawl transactions to STOP. I am going tomorrow to a branch to close my account, although im not sure if that will be enough. I fear my information is just stolen at this point and am getting robbed.
Product: Mortgage

SLS is charging opaque fees with no prior disclosure and has abusive, predatory lending practices. My loan was transferred to SLS from XXXX ( where I had AutoPay set up ) after XX/XX/2019. I set up an online payment for SLS to include an extra principal amount of {$30.00} and also set up AutoPay for future payments. After the first month, I see my extra principal payment was never credited to principal but instead held in a " suspense account ''. I also see I am charged for a pay off quote but there is no disclosure on any space of the SLS website for this. I call SLS on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX speaking to XXXX, XXXX and XXXX respectively to get 1 ) my payments set up properly ; 2 ) my extra principal moved from the suspense account 3 ) rectify the mysterious pay off quote -- and I am told in each circumstance that the extra principal will get applied correctly. I am also told that the pay off quote issue was a well-known issue by management and that they were trying to fix this -- even though this fee is still on each bill after I call. In early XXXX, I receive paper mail advising me that my ACH is cancelled and my loan is in default. I have owned this home for 15 years and have never been delinquent on payment. I have called and called and called to no avail. The customer reps provide me with different responses on what is happening with my account, XXXX promising a return call, but none of my issues going resolved. In looking at CFPB complaints against SLS, I see this pay off quote is a common issue. I also think cancelling a customer 's Autopay is predatory -- especially if this is a systemic practice -- why would you cancel my Autopay when I am trying to pay my bills? And then charge me a late fee and all sorts of other fees after SLS cancels ACH? On top of that, their website does not work, always asking me to verify the exact same info I verify in each log in then not allowing me to continue. I am at my wits end trying to fix this with SLS. Please help!!
Product: Debt collection

On XX/XX/2023 I called and left a message for XXXX XXXX to give me a call back on my number. At XXXX XXXX I received a call back on work number. When I asked why he called that number he said that he just hit redial. During the entire conversation he would not allow me to speak. I felt like I was constantly trying to tell him what was going on and he refused to even give me the opportunity to speak. There is already a case open for my other complaint. XXXX. If XXXX XXXX would have actually read what was sent he may be able to understand what I am trying to say. I did ask to speak with a supervisor but was transferred to a voicemail. The fact is that we do not owe the money that they are trying to collect. We have told them this numerous times. We only owe about {$10.00} which I am more than happy to pay. 

Also they sent me someone else 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX and I am submitting this complaint about recent disputes sent to TransUnion about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX*Balance : {$0.00}
Product: Mortgage

Wells Fargo is who I have my mortgage threw at XXXX XXXX XXXX XXXX XXXX Texas I am complaining about my Insurance that I have on my mortgage, late charges from XX/XX/XXXX threw XX/XX/XXXX, XXXX, was charges for XX/XX/XXXX threw XX/XX/XXXX was different from what XXXX charges, My dwelling was almost double add up to over XXXX per year. My monthly mortgage note was over inflated, FHA insurance was not matching was they was drawing from my escrow, over charges on escrow and saying they gave me a refund, I received on two payment from XX/XX/XXXX threw XX/XX/XXXX and check was deposit or said cashed to my account do n't match my signature, retaliation on not excepting payment in XXXX/XXXX/XXXX I send it about four time and it was sent back, retaliation letters to foreclosure on my home, I never missed or been behindRetaliation for filling a complaint with the OCC for foregoing my name to document, they said I request for assistance but I did n't they called me and I said I never been behind on my mortgage and send treating letter of foreclosing, when I call for a pay off they refuses to give it to me, I would like my whole account looked into, if they want me to vacate my home then they need to pay off what I owe on my home, giving out my private information and phone number to brokers, pulling my credit report without my permission for marking there products, signature on deposit slip sign by employees,
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against [ EQUIFAX ] for its repeated failure to remove inaccurate account information from my credit report following two reinvestigations, which is in violation of 15 U.S. Code 1681i ( 5 ) of the Fair Credit Reporting Act. 

Account Information : Creditor Name : XXXX XXXX  Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, EQUIFAX has failed XXXX comply with the law and has retained the inaccurate account information. 

The Fair Credit Reporting Act mandates that if a reinvestigation does not resolve a dispute, the credit bureau must delete the disputed information within five business days. The repeated failure of EQUIFAX to adhere to this requirement is a clear violation of 15 U.S. Code 1681i ( 5 ) and has caused me financial harm and distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate action against EQUIFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that EQUIFAX upholds its obligations under the law. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue. 

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

Equifax sends me a form on XX/XX/XXXX about Identification. Equifax credit file has had in the past info sent with several forms of identification and there is always and issue with them. now they send this letter but mailing corrections to the same address. 
they also had over 4 address that were not mine with different address numbers but now ask for my address. Equifax plays games with sending information and I 'm going to keep on filing on them until things are right on my credit file. And file with the FTC. A bunch of phone numbers that did not belong to me. I do n't no how they obtain info but they just make up information on JOB telephone and address. I mailed them copy on my state lic Copy of check. copy of contract from my employee as a RN and I have sent enough and more than they request. I have sent it more than 5 times.
Product: Debt collection

We turned in a boat to BB & T in XX/XX/XXXX because we could no longer afford it due to my husband losing his job and having a rental property that had renters that would not pay their rent. I contacted the bank and told them of what we were going through and they said I could give back the boat and they would auction it off. However, the amount they are charging us is the full amount of the boat loan. We have paid {$500.00} per month for eight years and have paid more than {$48000.00} for a boat we have not had since XX/XX/XXXX. The collection company we have our payment set up through is XXXX XXXX XXXX and they originally set up our pay back in XX/XX/XXXX in the amount of {$64000.00}. They put a Judgement against us in XXXX for non payment. Again, my husband was laid off, we lost our house, yet we tried to keep making our payments on this boat but could not be consistent for a few months till my husband got another job. We once again signed another agreement to make payments and have been for over a year and yet the civil action is sitting on my credit report as if we have not been paying on time again for the past 12 months. I need this off my report since we are in good standing even though they are completely taking advantage of us and have ruined our lives with this outrageous payback for a boat they sold and I never got to see the amount they sold it for. Clearly they did not sell a {$100000.00} boat for {$20000.00} but no one will show me those figures. Please remove the Civil action from my credit report. I have called BB & T and spoke to three people in their collections/Recovery Department and they said they did not put this civil action on my report. I then spoke to three separate people, two being managers, at XXXX XXXX XXXX and they said they did not put this on my report. Someone put the civil action on my report and it needs to be removed since we are in good standing for over a year even with me losing everything to try and make good on this account. The last person I spoke to, XXXX XXXX, Supervisor, at XXXX XXXX XXXX, and said she would contact the attorny 's office at BB & T that I had spoken to and work through the situation and call me back. This was XX/XX/XXXX and after speaking to at least six people between the two companies and spending over two hours on the phone, I have not heard back from anyone nor has the problem been resolved. Please contact me at XXXX or XXXX to let me know this has been removed from my credit. Thank you. 

XXXX XXXX The account number with BB & T is XXXX