23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Someone called my bank ( USAA ) and tried to access my wife 's account and failed. 
She was never notified of a failed attempt to access her account via phone. 
They eventually succeeded after multiple attempts and were able to change her withdrawal limit, contact phone number, and online password. My wife was only notified of the password change after the fact. 
They were then able to access XXXX accounts and empty all of them, totaling over {$4000.00}. 
I have searched USAA 's member community forum and see this happening way too frequently with USAA accounts recently. I find it very hard to believe that USAA is not notifying members of this fraudulent activity or tightening up phone security and adding extra verification due to this scam. 
We are now on day XXXX of accounts being frozen and funds not replaced. We have requested, via phone and in writing, replacement debit cards, new accounts, and the funds replaced. We have had no contact from USAA. When I called, they claim it is still being " investigated ''. 
They know what I know, because I learned it from them : They granted access to our bank accounts to a third party, who then cleaned the accounts out. The only mistake we made was trusting USAA. Yet, we still have no access to funds we need for bills and food. 
The level of ineptitude, complacency, complicity, or some combination of the XXXX, is frightening here.
Product: Credit reporting or other personal consumer reports

I check my credit score with the bureau and realize that hard inquiries on my credit score that I dont know about
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XX/XX/XXXXhave 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 an 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: Checking or savings account

Bank Of America keeps flagging my account for fraudulent activity. Recently I was able to access my online banking after months of not having access to it, a couple weeks went by fine then I they revoked access to me again. Everytime i try to use XXXX or make a bill payment they flag me and its ridiculous. They want me to go in to a financial center but I'm XXXX XXXX XXXX and I'm bed written and can't go around. I need to regain access to my online banking As soon as possible
Product: Payday loan, title loan, or personal loan

Hello, Around XXXX of 2020, I spoke with a representative regarding options for payment relief for Lending Club. She told me about a Deferment plan that I can do. I proceed to ask her questions and she did tell me that I would accrued more interest and instead of me paying in 36 months I would extending to 38 months. She also said when I start back making payments that some will go on the principal and some will go on the interests. So I agreed to do the two month deferment, I did not make a payment in XXXX, however, I made a large sum of payment in XXXX and XXXX they start taking out my regular payment. I checked my account on XX/XX/XXXX and I was extremely shock that my XXXX payment went all on the interest and none on the principal. I was deceived, if I would of known that my XXXX and possibly my XXXX payments would go all on interests I would NOT agreed to the deferment plan. This is unfair business practices and withholding information as vital as this one is not best business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written Equifax on two occassions in regards to two accounts appearing on my credit report as a result of ID Theft. I requested Equifax to block these account in accordance with Section 605B of the FCRA as these accounts which does not relate to any transactions that I have made. These accounts Include XXXX XXXX  and XXXX XXXX.
Product: Checking or savings account

I received a phone call on XX/XX/year> at XXXX from a Chase number that claimed to be from the fraud department. The man said someone was trying to make a purchase for almost {$500.00} online for XXXX in XXXX Georgia and asked if it was me. I said no since I live in Illinois, and he said great he will close my debit card and issue me a new one that will be at my house within so many business days. He then asked for my pin to cancel my old pin. Not thinking and worried that someone has my debit card number I stupidly gave it to him. Well then he asked if I was receiving the texts from Chase that they sent prior asking if this transaction was valid. I said no, so he texted me a code from the regular Chase texts that I would receive if something goofy was happening. I gave him the code and then we got off the phone call. About ten minutes later I got a bad feeling and thought they didn't need my pin number to issue a new pin number. So I called the Chase number for Chase ATM. I was talking to a woman who had an accent and we both couldn't understand each other. She kept talking about my pin. Finally I said I was just calling to confirm that someone from Chase actually called me and she said she needed to speak to her manager. Two minutes later she said yes it was Chase who called me originally and that she was going to issue me a new debit card and that she would close my current one.

The next day at about 2 PM I got home from work and found out that my account was drained. I was left with {$6.00}. So my husband called Chase Fraud department and we spoke to a woman who filed XXXXwo claims. One claim was for two ATM transactions that occured for {$500.00} and {$200.00}. She said the camera shows an XXXXXXXX XXXX male. The other claim was for a show store purchase of {$150.00}, a {$10.00} car wash and then a transaction that occured inside of a Chase branch for {$700.00}. The person went to a teller and got money without an ID! This all happened in XXXX XXXX, Illinois. I live in XXXX, IL which is over an hour away. 
Well Chase said they won't give me my money back because the person used a chip and that can't be duplicated so it is an authorized transaction. My husband XXXX XXXX XXXX and does XXXX XXXX XXXX XXXX  He knows that a chip can be copied and put on a magnetic strip for it to work.

I have provided screen shots to Chase of the scammer calling me and spoofing a Chase number. Same with the text. I even let Chase know that I called to confirm it was them and the lady told me it was Chase who originally called me. I showed screenshots of how I was at work during these transactions. If they would look at their cameras, they would see that I am a caucasian female and it was a man who went inside of a branch and at the ATMs. I am beyond angry that an FDIC insured bank would not give me money that I did not spend nor authorize! Almost {$1500.00} was taken! This is absolutely absurd! They stand behind a chip ... That scammers have figured out how to get around. I am furious that a bank teller would give money without a valid ID as well. Where are the consequences???
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX someone took a personal loan out and my name for XXXX $ I have. Call the company but this is still ion my credit report I have a XXXX I have never taken out a loan and my life please help me
Product: Mortgage

Wells Fargo Bank purchased my Florida condo mortgage from original lender ( XXXX XXXX XXXX  XXXX ). Since my condo is in the state of Florida, it is required that I pay for Hazard and Flood insurance through the XXXX ( XXXX XXXX XXXX ). In Texas, you have to buy walls-in insurance ( know as H06 ) since the insurance provided by HOAs don't cover that. However, in Florida, because of Florida Statute 718.111 which dictates what HOA Master policy covers for each unit, typical walls-in policies are not required and optional for owners ( whether you want to buy for furniture, fixtures, improvements ). XXXX XXXX XXXX recognized this so it was not required. Last year, after Wells Fargo tried to dictate that I purchase walls-in or what they call improvements & alterations insurance now, I went back and forth with them many times and finally, after sending a copy of Florida Statue and Declaration of Condominium, I finally got a rep ( named XXXX ) to understand and it was again NOT required. This year has been the same back and forth. They send letters, I send proof by fax, uploading to their site and have spoken with many of their insurance reps that promise to call back and never do and even spoke with several dispute resolution " officers '', but have never gotten them to put me through to a manager. I've sent them and explained everything they say they need and they promise to call back ... never do. Now they have force placed insurance. My last call was with rep XXXX on XX/XX/19, upload Declaration of Condominium AGAIN which explains coverage purchased  through XXXX, she promised to call back the following Tuesday and never did. How can I resolve if they don't follow through. They don't want to resolve or understand and now they are trying to raise my payment do to the force place insurance even though the ball is in their court to resolve. No reason I should have to purchase this expensive insurance since I already pay around {$2300.00} through my XXXX which will rebuild the unit if damaged to equivalent of original finish by developer. This is typical Wells Fargo cheating customers. Lenders having no say in who mortgage is sold to is the deep rooted problem. Wells Fargo does not exercise Fair Practices and don't have customer service practices that lets borrower resolve issues.
Product: Credit card or prepaid card

There are 2 CHASE CREDIT CARDS IN MY NAME. Chase fraud department has informed me they believe there is fraud on both accounts. 
As long as Chase believes fraud charges are on each account, I am reminding Chase can not report any balance they have questions about to the credit reporting agencies. I would ask Chase to first identify which charges they believe are fraud or suspicious and deduct those amounts from the balance before reporting to the credit bureaus. Otherwise Chase would be recklessly reporting inaccurate information or Information they have not thoroughly researched and investigated to the credit bureaus and purposely or recklessly harming me. 
Also, as a result of the suspicions of Fraud it is vitally important I have an accurate record of all dialogue, Therefore I am demanding a CEASE and DESIST of all phone calls. Chase Fraud department has been calling me every single day and harassing me. My lawyer stressed to me the importance of having all dialogue in writing, Chase has 3 options to reach me. 1. By email, 2. By USPS 3. By XXXX XXXX I will not accept any phone calls for any reason from any Chase department. Now that we have a recorded my request to Cease all Phone calls I am imploring Chase to behave appropriately.
Due to my age of XXXX, I do have a hearing problem and it is embarrassing for me to continually ask a caller to repeat themselves, This all stresses me. Also, many times I do mis hear what is said and provide the wrong answer. This could have a detrimental affect of the current situation. SO again please NO PHONE CALLS from Chase bank or from Chase Fraud department or any other department. If Chase has nothing to hide then writing it down will only help. If Chase says they can not discuss something in writing they are lying as they have been doing,
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax on  XXXX   XXXX ,  2017  via Certified Mail stating that there was a Public Record on my report for Bankruptcy that needed to be removed because it was inaccurate. They in turn, sent a letter back to me dated  XXXX   XXXX , stating that the record was verified by  XXXX   XXXX . My   XXXX   XXXX   consumer report was frozen on  XXXX   XXXX ,  2017 . The letter that I sent to Equifax on  XXXX   XXXX  included a letter fro m Alabama Federal Court stating that they do not provide this type of information to Credit Bureaus. This record should not be on my credit report because it was not obtained from the courts, and the letter is proof o f this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts have violated my Rights. 15 U.S.C 1681 Sec-602A State I have the right to Privacy. 15 U.S.C 1681 Sec- 604 A Sec 2 also states a consumer reporting Agency can not furnish a account without my written instructions. 15 U.S.C 1681C. ( a ) X ( 5 ) Sec states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other then records of convictions of crime which antedates the report by more than seven years. 15 U.S.C 1681s-2 9A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is reporting negative items from XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX violating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies and 16 CFR 313.10 - Limits on disclosure of non-public personal information to nonaffiliated third parties. also15 U.S. Code 1681c - Requirements relating to information contained in consumer reports. Also15 U.S. Code 1691 - Scope of prohibition.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2021, THE BUREAUS add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA THE BUREAUS has violated my rights as a consumer and I requesting legal action Please remove collection from my credit reports.
Product: Credit reporting 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  and 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 reporting 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 1681section 602 A. Section 604 A section 2 XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

In XXXX  I financed a gaming computer through XXXX XXXX XXXX. When I received the computer it was not working correctly. After several hours worth of phone calls and trouble shooting with the device I told the tech support team that I didnt want the device and I wanted to send it back. They told they would not accept it and would send a technician out to repair it. That never happened. I called XXXX back and asked why the technician did not show up but they did not provide a reason why and scheduled another service appointment. It still did not happen, I called and expressed my grievances and told them I did not want the computer and I was still under warranty but did not want the computer due to how many problems it had. They told me they would not accept it back and refused to repair the computer. I still have the computer and it still does not work, it wont even power on. Now XXXX hoping to get rid of this debt since XXXX did not stand up to their side of the contract by providing me with a working device that still does not work and refused to take it back or repair it. This thing still does not work and I would greatly appreciate it if this was removed from my credit report and the debt wiped as I have tried to return the device 4 times and was refused.
Product: Student loan

recently reviewed my credit report and discovered two accounts that I did not open or authorize. These accounts are : XXXX XXXX XXXX UNISA Inc I have never applied for or accepted any loans or credit from either of these companies, and I did not give permission for anyone to open accounts in my name. These accounts were opened without my knowledge and are the result of identity theft. 

I have begun the process of filing an official identity theft report and have submitted disputes to the major credit bureaus. I am requesting that these accounts be investigated, verified, and permanently removed from my credit profile.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Dispute of Inaccurate Reporting and Request for Detailed Review Dear Experian, I am writing to formally dispute the continued reporting of a child support obligation on my credit report. Despite providing court-validated documentation showing that this obligation was terminated, the inaccurate information remains on my report. 

Details of the Dispute : Account Name and Account Number : Child Support Nebraska # XXXX CFPB Complaints Reference # : XXXX, XXXX, Termination Date : XX/XX/year> Court Order : Attached is the official court order confirming the termination of this child support obligation. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The continued reporting of this obligation, despite its termination, is a violation of several provisions of the Fair Credit Reporting Act ( FCRA ) : Violation of Accuracy Requirements ( 15 U.S.C. 1681e ( b ) ) Failure to Correct Inaccurate Information After a Dispute ( 15 U.S.C. 1681i ( a ) ) Reporting Obsolete Information ( 15 U.S.C. 1681c ) Inaccurate Reporting of Account Status ( 15 U.S.C. 1681s-2 ) Legal Basis for Termination of Child Support : In accordance with Nebraska Revised Statute 42-371.01, child support obligations are automatically terminated when the child reaches the age of 19, unless otherwise specified by a court order. The statute states : " The child support order shall terminate automatically upon the childs nineteenth birthday unless the order specifically states otherwise, such as for continued support during high school or due to XXXX. '' The attached court order confirms that the obligation in question was terminated according to this statute. The continued reporting of this terminated obligation is not only inaccurate but also violates Nebraska law. 

Request for Immediate Action : Correct the Reporting : I request that you immediately remove the terminated child support obligation from my credit report. Continuing to report this information is not only inaccurate but also damaging to my credit profile.

Detailed Review : I request a thorough review of the verification process used to maintain this inaccurate information on my credit report. Provide a written explanation of how the data was verified and the steps taken to confirm its accuracy.

Confirmation of Resolution : Once the correction has been made, please provide me with a confirmation and an updated copy of my credit report.

Enclosures : Copy of the court order confirming the termination of the child support obligation.

Previous correspondence related to this dispute.

Relevant Nebraska Revised Statute 42-371.01.

Under the FCRA, I have the right to dispute inaccurate information and expect it to be corrected or removed within a reasonable timeframe. The continued reporting of this terminated obligation is a violation of my rights, and I expect prompt action to rectify this matter. 

Please confirm receipt of this letter and your intended actions within 15 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I requested a credit report. I only wanted a one-time report, but Transunion enrolled me in a monthly monitoring program without my knowledge or consent. I would like to be refunded all the amounts they charged me for the monthly service which I did not request.
Product: Debt collection

I was a victim of identity theft. I have filed all necessary complaints. Account is not mine.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App fail to take timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.