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

This problem started due to a problem I had with XXXX XXXX. I retired two years ago, sold my house and live in an XXXX. XXXX XXXX  locked my accounts a few days ago because of the Know Your Customer ( Patriot Act ) laws. When I gave them next of kin address all became well with them. I've since opened an account with another national bank and they are OK with my addresses too. 
But this event scared me, so I decided that I would do business with two banks moving some of my safety net cash to USAA.

So I became a member of USAA. I then created a savings account, applied for a credit card ( which was approved in minutes ) and noticed that their investment products looked good. I decided to rollover my 401k into USAA IRA and purchase a fixed income annuity. 
I had USAA electronically transfer XXXX from my XXXX XXXX  account. At this point I thought all was good. 
A couple days later I found that I had been locked out of my account. 
I called USAA and was told that I was suspected of some fraud and that they would do no business with me. 
The last representative I spoke with told me that she could not tell me what would become of my XXXX deposit. She told me that she could not tell me if I would ever get the money returned. She also said that there was no one else I could talk to and there was nothing else anyone could do about it. 
I have no idea what fraud they think I committed. Some have suggested that I triggered some reporting " thing '' and that the money might have been turned over to the government ( IRS? ). I've read horror stories of this happening to people and people having to give up because they lack the resources to fight it. But my deposit was not cash, it was an electronic transfer triggered by USAA. 
Please believe me, I did nothing illegal. Obviously, I want my money returned. 
What kind of world do we live in when banks can just take our money away?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with these creditors and want this removed. I have notified my local Police department ( XXXX XXXX XXXX sheriffs ) of these fraudulent accounts and have made a police report. 

Under the FCRA 2009 ( a ) the Credit reporting agencies must cease and desist from reporting these accounts that have been brought to their attention are fraudulent, and were open without the consumers consent. 

I am in talks with my local attorney generals office to assist with this theft.
Product: Mortgage

Mr. Cooper, aka Nationstar Mortgage, assumed our mortgage in XXXX, XXXX. Ever since they assumed the loan, we have had issues regarding their statements which have been inconsistent, misleading, false and in one instance, documenation had been altered to change the dates to make it appear as though we were late. They falsely reported us as late to the credit reporting agencies which can be proven through my own documentation that we have never been late. A law firm has contracted with us to sue Mr. Cooper for violation of the FCRA. I have complied with every request, made every payment as directed by them, yet they continue to provide false statements that are full of inconsistencies, inaccuracies and lies. I have been making payments according to their own directive since XXXX of XXXX, yet they ignore their own statements and want me to make higher payments. As recently as XX/XX/XXXX, I received a phone call from Mr. Cooper telling me I am delinquent in my loan for a missed payment in XXXX, XXXX, 7 months ago. I denied their allegation and insisted upon providing me documentation showing the delinquency. They emailed me a document shows no payment received from me in XX/XX/XXXX. My bank account statement clearly shows that I, in fact, did make the payment on XX/XX/XXXX. Their most recent statement, obtained from their website, shows that I now owe almost {$3000.00}. My documents, supported by my bank statement and cancelled checks show that I am not in arrears as they claim. We are attempting to refinance with another company to get away from Mr. Cooper, but their derogatory credit reporting has not allowed us to refinance without exorbitant closing costs, {$14000.00} from one particular company. I have submitted numerous letters, at least 11, over the past year to inform them of their inaccuracies, with supporting documentation, yet they continue to ignore us. Their accoumting is completely erroneous, if not illegal. According to attornies offices I have spoken to and other financial institutions, Mr. Cooper has a history of such practices. They also many internet sources which show a history of lawsuits and complaints. I believe the attached document, my most recent letter to them, can better explain the extent of the mishandling of our account.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Request for Removal of Closed Account from Credit Report Account Number : XXXX Dear Sir/Madam, I am writing to formally request the removal of a closed account from my credit report. The account in question is with first premier bank and has been listed as closed, but I believe it is being reported inaccurately or unfairly. The details of the account are as follows : Creditor Name : first premier bank Account Number : XXXX Date Account Closed : XX/XX/XXXX This account was closed on XX/XX/XXXX and, since then, I have had no further activity or outstanding balance associated with it. Under the guidelines set forth by the Fair Credit Reporting Act ( FCRA ), I believe this account should no longer be reported on my credit report as it no longer reflects my current credit status. 

I respectfully request that you review this information and remove the account from my credit report. Enclosed are copies of relevant documentation, such as a statement from first premier bank confirming the closure of the account, for your reference. 

I understand that under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they report. I trust that upon review, you will find that this account should no longer appear on my credit file and will take the appropriate steps to have it removed. 

Please notify me in writing once this matter has been resolved. 

Thank you for your prompt attention to this request. 

Sincerely, XXXX XXXX
Product: Mortgage

XXXX XXXX in XXXX XXXX, Florida, were hired by my Realtor XXXX XXXX XXXX XXXX  Fl. to inspect the premises located at XXXX XXXX XXXX, XXXX, Florida. XXXX. Approximately {$450.00} was paid to really check the property over for major flaws. The inspector told me that everything on his hot items list were repaired as requested. This proved to be untrue. I specifically asked him did he do the work and he said yes. Unfortunately for me ; possibly XXXX and the owner may have have fabricated on the disclosures. I emailed XXXX Management  and complained very cleanly. They ( XXXX ) turned the narrative around and made me the culprit and they are not seeking to settle. As of date I have spent a little over {$6000.00} in labor and materials. I also had to call XXXX XXXX XXXX for lab Tests such as swabbing, air sampling, and advisement from XXXX XXXX on how to purify the mold damage. I find it difficult to believe that the owner XXXX XXXX located in XXXX, Ohio, address is XXXX XXXX XXXX. I find it really hard to believe he was not aware of the mold because he sure had the fresh paint inside and out. He left hazardous materials such as paints in the garage, I thought nothing of it. I have two contractors that say different. What was most disturbing is that I was selling my home to purchase this home above and I disclosed honestly and even paid extra money to buyers just for minor repairs. I am waiting on another contractor to to dispel anything they claim as repaired. How they just put some type of debris and never fixed the adobe roofing. Sincere Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6000.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX  XXXX Date opened XX/XX/XXXX Balance {$410.00}.
Product: Credit reporting or other personal consumer reports

I closed my account with KeyBank over 3 years ago and they had to pay me for overdraft fees that never existed on my account. So then they reported me to XXXX XXXX  company preventing me from opening an account with another financial institution. 

I spoke with XXXX  XXXX and she said it was a mistake however I received a letter stating that they found fraud on my account which is a lie. 

I have asked for documentation and they cant provide nothing but told me if I wanted to open an account with them I could. This is also affecting my granddaughter which her name was on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the 3 credit bureaus to validate this account ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It is not permissible to fail to validate these reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

I was promised in return for pay for bitcoins I would get money in return and got hacked locked out of my XXXX account which he is using to con other people using my face!
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the following inquiries to be completed as a consumer and reached out to the company that completed them and was told that the automatic system completed the inquiries without my permission 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  This is defamation of character, and unauthorized inquiries as a consumer, and I have never heard of the companies. The same company ran my credit without consent twice on the same day with authorization. 



I have requested that this address be removed as it does not belong to me and as of today, it has not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Wife and I filed chapter XXXX bankruptcy on XX/XX/XXXX. 
We included our property XXXX XXXX XXXX XXXX XXXX XXXX , Nv XXXX in the chapter XXXX. 
The bankruptcy discharged on XX/XX/XXXX Approximately XX/XX/XXXX I  finalized surrendering the property to XXXX  XXXX XXXX, because they wouldn't take it out of my name. 
I requested my credit reports on XX/XX/XXXX. I found that XXXX XXXX XXXX and XXXX XXXX XXXX  were both reporting adverse and derogatory late payments to all 3 of my Credit reporting agencies. 2 Died in Lieu 's  for the same loan. 
I disputed the both to lines of negative lines to all 3 Credit Agencies on  XX/XX/XXXX & XX/XX/XXXX via phone, electronic & written mail with supporting document. 
They will not remove either line off my credit report. 
I can send the full bankruptcy filing upon request ( 72 pgs ). Pertinent docs include on attachment 1.
Product: Bank account or service

I made a large deposit on XXXX/XXXX/16 at XXXX XXXX Eastern time to my savings account, # XXXX at Wells Fargo, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. At the time of deposit I was told the funds would be available either Tuesday or Wednesday. Today, XXXX/XXXX/16, I was told the funds would not be available till XXXX/XXXX/16. Yes that is 7+ business days from the deposit. Is n't this in violation of a banking regulation? The time is excessive! Also I was told that the check was held by the bank and not presented till XXXX/XXXX/16. Please tell me what type of legal action can be taken? 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX
Product: Credit reporting or other personal consumer reports

There is an account on my credit report that I have no knowledge of. This account is now in litigation.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted the company several times in writing to remove any negative data on the account dating back to 24 months being that all accounts are now satisfied and current. 
There is still no response and no change to the status and credit report is still reporting negative activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Experian regarding hard inquiries that needed to be removed. I was told to contact the Companies directly to verify if they had authorization to run a credit report.  Some of the Companies do not have phone numbers. 

XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} ; UXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ( XXXX : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$4200.00} ; XXXX XXXX ( XXXX : XXXX XXXX XXXX ) XXXX Balance : {$800.00} ; XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX XXXX Balance : {$4200.00} ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my report and saw inquiries and accounts on my credit report that I did not give consent to be on my report. XXXX, Equifax and XXXX  is in violation of 15USC 1681c-2 Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to the consumer. I sent a dispute letter certified mail next day and XXXX, Equifax, XXXX  still have the following Inquiries and accounts on my credit report. Hurting my credit stopping me from attaining service or goods. several letters where sent out on this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I settled a debt with XXXX. As agreed upon and per their policy on their website, the account was to be deleted from all credit reporting agencies. The account was indeed deleted ; however, as of XX/XX/year>, XXXX reported the debt again. It is currently showing on Equifax as a collection account. 

By reporting this debt after it was settled and agreed to be deleted, XXXX may be violating the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of credit information. Under the FCRA, reporting incorrect or outdated information can lead to legal consequences. Additionally, XXXX 's actions might constitute a breach of contract, given their initial agreement to delete the account after settlement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had constant problems with Equifax and XXXX not removing fraudulent information from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : WELLS FARGO CARD SER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collections company picked up the debt or was retained?? Not sure XX/XX/28, they ( collections company ) contacted my father and step mother regarding an alleged pay day loan taken out in Florida, where ach checks bounced, I currently live in PA, said they were filing in my current county XXXX I spoke with them ( collections company ) personally, they said they would garnish wages without asking me to court, are contacting my employer tomorrow ( XXXX ) to start garnishing wages
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally address a serious issue regarding my account with XXXX XXXX XXXX I was not provided with a credit card statement for XXXX XXXX XXXX either by mail or email. I never received a phone call, voicemail, email or text message. Despite this, my account was reported to the credit bureaus as having a late payment, which has caused significant damage to my credit score. 

Upon investigation, I discovered that my account was enrolled in paperless statements without my consent. Furthermore, I did not provide an email address for such notifications, meaning I was unable to access my statements or payment reminders. In addition to the damage to my credit, I have also been charged excessive fees as a result of this situation. 

This lack of communication and unauthorized enrollment violates fair lending and billing practices. I respectfully request the following actions : 1. Immediate removal of the late payment record from my credit reports with all credit bureaus ( Equifax, XXXX, and XXXX ). 
2. Waiver of all late fees and other associated charges incurred due to this issue.

3. Confirmation that my account will revert to paper statements, as I did not authorize paperless billing. 

Please have XXXX XXXX provide a written response to this letter within 14 days, including an explanation of why this occurred and the steps your company will take to rectify this situation. 

Thank you for your immediate attention to this matter. I look forward to your swift response. 

Sincerely,
Product: Mortgage

Due to hospitalizations and loss of income due to time off our mortgage payments fell behind. We never received a demand letter. I called on XX/XX/XXXX to find out about our options since they would not take a partial payment. I was told I would need to pay {$3100.00} in full and no partial payment would be accepted. I was advised to apply for the Mortgage modification assistance and Nationstar representative would email me the forms. I was also informed that if I applied for this it would put the foreclosure on hold until a decision was made. I did not receive the forms, my husband XXXX called back in later on XX/XX/2016 and requested them again. We did not receive them so I called back in on XX/XX/2016 again was told they would email them to me and I never received them. I went out to the website and found the forms and sent them on XX/XX/2016, however, it was not all of the forms needed since I was just guessing since the representatives never sent them. I called Nationstar again on XX/XX/2016 because I received a letter from an attorney about the foreclosure. I was assured that nothing had been done with it yet since we did n't have a foreclosure date yet. I also verified the forms needed and the minimum payment they would accept as {$3100.00}. I resent all forms and documentation again on XX/XX/2016. XXXX called to try and make the payment of {$3100.00} on XX/XX/2016 as well and was told that now the minimum would be close to {$5500.00} due to additional payment and fees including {$850.00} of legal fees. XXXX called the attorney and they said they have not billed Nationstar for any charges yet since they have not done anything with the paperwork yet. I called Nationstar back and explained that in all XXXX of my phone calls I very clearly asked repeatedly to verify the minimum payment of {$3100.00} and to verify that once these forms were submitted for the modification the foreclosure processes would be put on hold. The supervisor I spoke to said there was nothing they could do and it will take XXXX days to listen to the phone calls, but it does n't change the fact that the new minimum payment as of XX/XX/2016 is {$5500.00}. I am frustrated that we have made several attempts to make payment and they refused and did not inform us that the amount was almost {$2200.00} more than what we were told on several occasions. They will not accept my payment and more legal fees could be added daily. The representative I spoke to on XX/XX/XXXX also refused to give me any information on filing a complaint due to unfair banking practices. I am hoping this is the correct agency.
Product: Debt collection

PLEASE REMOVE AND DELETE ALL OF THE FOLLOWING UNAUTHORIZED FRAUDULENT ACCOUNTS FROM MY PROFILE : COMENITYBANK/WAYFAIR. IAM A VICTIM OF IDENTITY THEFT.