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

On XX/XX/XXXX, I noticed charges to my checking account that neither my wife nor I authorized. I promptly called USAA and described the five charges that were not made by either of us. The merchant 's name for all 5 is " XXXX XXXX XXXX XXXX XXXX On XX/XX/, I was charged {$41.00} ; on XX/XX/, {$28.00} ; on XX/XX/, {$54.00} and {$1.00} ; and on XX/XX/XXXX, {$100.00}. 

The first letter confirming my dispute should have included the XX/XX/, charge of {$1.00}. Instead, USAA only included a XX/XX/XXXX  charge of {$41.00} ; a XX/XX/XXXX  charge of {$28.00} ; a XX/XX/XXXX  charge of {$54.00} ; and a XX/XX/XXXX charge of {$100.00}. Additionally, that a provisional credit would be applied to my account. 

I received a rejection letter that evening after calling USAA on Wednesday, XX/XX/XXXX, to notify them of their failure to include the XX/XX/2023, charge of {$1.00}. USAA 's rejection letter notes that they have " determined that the listed transactions are not fraudulent '' and " this concludes our investigation, and no further action will be taken. '' Additionally, the provisional credit applied to my account would be reversed. 

I immediately called USAA to invoke my right to " request information or documentation [ they ] relied on to make [ their ] decision, '' as stated in the rejection letter. The USAA customer service representative noted my request and told me I would have a response on whether the documentation would be released within the coming days. I questioned for clarification, to ensure I understood, that I was invoking my right to " request '' information, so did that mean I was not entitled to receive them? The USAA then gave me the impression that the request was a mere formality. 

I have never been to a XXXXXXXXXXXX XXXX XXXX XXXX XXXX  While I live in XXXX XXXX, neither my wife nor I were in XXXX XXXX during some of these transactions. Moreover, she and I were at work while some of these transactions occurred. 

I am disheartened that USAA fraud investigators contacted her nor me to question anything about these charges. Instead, we have lost {$230.00} and become fraud victims.
Product: Debt collection

1. According to contract Law, US. BANK has no right to collect on this account. They do not have the original promissory note. 

2. Promissory note is false. 

3. It is stated that we have received funds from a lender. We do not have any records of a {$190000.00} check deposited in our bank account at time of purchase. 

4. Im reporting Fraud on a loan that U.S BANK is looking to foreclose through XXXX, XXXX XXXX XXXX XXXX and whomever working on the case : XXXX
Product: Credit reporting or other personal consumer reports

Attention XXXX XXXX : I applied for a Credit Card on XX/XX/year> and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. XXXX XXXX XXXX Beneficiary/Attorney in Fact .
Product: Debt collection

Debt is for {$1500.00} Now they are asking for {$1700.00} because interest?????
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into and the removal of unauthorized hard inquires on my credit report. I recently discovered these inquires on XX/XX/XXXX when reviewing my credit report, and it has come to my attention that I did not provide consent for such inquiries to be conducted. 

Below are the details of the unauthorized hard inquires : Creditor Name : Cap One Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : Cap One Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry Creditor Name : Cap One Date of Inquiry : XX/XX/XXXX Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Double Jeopardy! Only the company who owns the account can legally report it and I clearly see multiple companies reporting XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX immediately this is double jeopardy!
Product: Credit card or prepaid card

I have two prepaid visa gift cards that l'am have trouble getting replaced. Some charges were made with out my authorization. the first charge I made later to find out the company was a f fraud.for the amount of {$190.00}. I contacted the company by email to see if the could help. They said I need to fill out a complaint form and I did with all the required paper. Which I know is my fault but wanted to see if they could help. But in the meantime another charge was made without my consent or the sum of {$140.00} .I recontacted the company filled out paperwork emailed it back to the company with all the documents they wanted they said it could take up to 90 days which I understand well the 90 days is coming gone. I have received several emails saying the case has been closed that I should receive the cards in the mail in 15 days that has come and gone. I also have a credit card that had a balance of {$8.00} on it that was removed also without my consent and when I contacted the company filled out more paperwork for that card and got the same results 15 days. I have a lot of emails from this company but I can't upload everything because it's only 10 MB.
Product: Debt collection

In XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX XXXX of North Georgia XXXX, accepted care of my son with payment being split 50-50 % by my ex-wife and me. My half was paid-in-full, but my ex-wife refused to finish her half of the payment. She sited that the XXXX initially over-exaggerated the supplemental care for my son to charge for services that were not rendered. Subsequently, she stopped payment, the doc released my son from care, and placed balance on my credit report as she was out-of-state and unreachable for collection of her debt. During my XX/XX/XXXX-XX/XX/XXXX bankruptcy, I placed the debt for the XXXX 's bill in with the rest of my creditors. It has now come to my attention that the XXXX has re-submitted the debt under his name of XXXX XXXX XXXX to circumvent the system and collect on a discharged debt.
Product: Student loan

I am XXXX XXXX XXXX. I want to put in a complaint against Ms. XXXX XXXX XXXX. I co-signed a {$17000.00} student loan with Citizens bank on XX/XX/XXXX to attend XXXX College. She was in financial need, and she was my girlfriend that's why I was helping her. We were dated from XX/XX/XXXX to early XXXX. After we were separated, she used my information to take more student loans without my authorization. Here is the list of student loans amount with date and account number. She got all the loans from Citizens Bank and the account XXXX. XX/XX/XXXX, {$18000.00} ; XX/XX/XXXX, {$32000.00} ; XX/XX/XXXX, {$13000.00} ; XX/XX/XXXX, {$4400.00} ; XX/XX/XXXX, {$6600.00} ; and XX/XX/XXXX, {$5500.00}. When I was trying to buy a house in XXXX, XXXX XXXX XXXX XXXX told me that I have too much load on my credit. I had good credit making descent money, but got denied after approving for over {$300000.00} mortgage loan because of her action.
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. 


Account Name 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 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: Student loan

Hello, recently I was alerted by a late payment being reported on my Transunion report ( XXXX MICHIGAN XXXX  ) opened XXXX XXXX with no proper form of communication on the lender 's end ( XXXX XXXX ). I have been in communication with the company and my school only to provide me with inaccurate information on my graduation date and no information on the late payments being reported. I put in a ticket to be reached out to by a supervisor never received a call back. All my student loans were in deferment due to me losing my job this loan reported to my credit report with out providing me with any deferment options or any payment deadlines. I am reaching out to have these late payment reports removed immediately.
Product: Credit card or prepaid card

There was a fraud charge in XXXX that I disputed within the XXXX statement cycle required time. The disputed charge was refunded but no fees have been and it continues to be reported late. I have called XXXX times to have this fixed and have not received any call back. The card is with avant. I have been told that I would get a call back and have only received calls about the balance due. I would like to have the fees refunded, my credit report updated and the account closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a student loan thats discharge and its still showing up on my credit report saying i owe XXXX and was late .The school close down and my loan was discharge with oweing no money .XXXX XXXX Id:XXXX .its not fair its bringing my score down badily
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 the Department of EducationXXXX reported to XXXX and XXXX ( a third party ) my account information without my consent. The Department of EducationXXXX also reported to TransUnion my account on XX/XX/2023. The Family Educational Rights and Privacy Act ( FERPA ) is a Federal law that protects the privacy of student education records ( 20 U.S.C. 1232 ( b ) ). Providing my account details to a third party is a violation of this law. The law only allows student account information be disclosed with specified agencies without the students consent.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX -- UNAUTHORIZED INQUIRY 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX/XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I aquired an auto loan with approved credit, I had a very negative experience with the woman managing my loan, she tried having my car repossessed, she added late fees and penalties fraudulently throughout the length of the loan. When I told her I was coming to pay the balance in full she fraudulently repossessed my car and sold it. I paid the payoff in full and fought hard to get my car back. And after I purchased the car she continued to report that payments were not being made for years. I in fact found out she was still report delinquent payments long after I had sold the car to someone else. I pulled my credit maybe a year after I sold the car, approx. XXXX and she had been miss reporting that I hadnt made a payment in 5 years. I paid off the car loan with her company in XXXX Again, I had sold the car in XXXX, before I found out she was still reporting no payments being made. I Ibecame XXXX for XXXX years as a result of poor credit. I called the company in XXXX and they eventually removed the file but this has been affecting me and my credit for nearly 5 years. Which contributed to my current credit issues.
Product: Mortgage

This is a mobile home lender 21st Mortgage Corporation. I called for a payoff amount XX/XX/2020, The amount I was told was {$1800.00} I paid the {$800.00} then at the end of the month I paid the {$1000.00} believing I owed a balance of less than {$25.00}. I asked at the time I made the {$1000.00} payment about my insurance policy as I had it escrowed with the mortgage lender as well as taxes for the house. I was told the policy was paid for, would not be due until next year. I never signed an agreement for escrow, but asked if they would escrow for taxes and later for insurance which should have covered these expenses. 

They now say I owe {$850.00} on my house for it to be paid off. When I called I was told it was insurance, Paid After I sent the {$1800.00} so they ADDED it to my house note. I don't have to have insurance. Can they charge me interest on my house if this is not part of the contract? Why isn't the escrow a separate bill and account held for specific purposed and accounted for as escrow and not part of my house? What can I do to get my house free and clear? Since it is a mobile home they can repossess without foreclosure proceedings. Do I need an attorney?
Product: Credit reporting or other personal consumer reports

Accounts that are in disputes and I have a pending lawsuit against the credit bureaus for not removing accounts that are fraudulent and the phone call I had with XXXX and transunion was unsuccessful and the disputes were denied I didnt not open up a XXXXXXXX XXXX XXXX XXXX XXXX XXXX in my name and Im requesting a account to be removed off my credit report A account called XXXX XXXX  is reported on my transunion report XXXX is not removed the rep refused to block this account I send in documents at my own expense and they are wasting my money
Product: Debt collection

Repeatedly calling, will not identify themselves or leave a message. Never been informed of debt in writing.
Product: Debt collection

This company i haven't heard of was trying to figure out how i owe this company, and why it's on my credit report.Also, the amount is {$520.00} of the date of XXXX XXXX
Product: Mortgage

XXXX XXXX XXXX Went online to make payment. Website would not allow. There was a phone number to call. When I called they said my mortgage was sent to a collection agency two months ago due to no payment. 

The website show my payments were made. I have never missed a payment or have been late. They refused to let me to talk to me and said the loan is closed. I also looked to see if they reversed the payments and it showed no payment reversals. 

I called six times and it now just forwards me to a collection agency. 
I keep all statements. The last statement I have is XXXX statement. I go online and download and keep for my records. I went online to try to get the XXXX statement and they have blocked me.
Product: Credit reporting or other personal consumer reports

Hello my information was exposed to a XXXX Experian Data Breach as well as my peronsal information was exposed on Experian Dark Web official website experian.com and my information was exposed over 10 times. As well as my accounts that are reporting on my credit profile
Product: Checking or savings account

We want to file a complaint against Citibank for not protecting us from scammers and fraud. 

My wife was having problems with XXXX, the electronic payment system, so she went onto the Citibank website and contacted Citibank. Somehow, and we do not know exactly how, she was transferred to scammers, who proceeded to extract sensitive information from her. She gave them the information, thinking she was speaking to her bank. 
In the meantime, I got suspicious and went to our bank branch and urgently talked to the manager who assured me that all our accounts would immediately be blocked and that I should not worry. Yet the next day we discovered that some {$49000.00} was transferred out of our account. When we went to see the bank manager, he said it was too late. 

We appealed to the bank twice, but they turned us down. I have since discovered that the Attorney General of New York has instituted a class action suit against Citibank for precisely the kind of scamming practices and the bank 's inability to protect its clients. 

The funds were transferred out on XX/XX/year>. We appealed twice and have a case number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX is reporting that I opened a card XXXX XXXX XXXX  I did not. 
Their reporting XXXX XXXX usage of {$200.00} This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XX/XX/2021 - This inquiry was not authorized please remove this from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX ( Please see page 12 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

Debt was a credit card debt that was a ) discharged through bankruptcy and b ) a credit card of my deceased husband. This is also over 7 years old and as been off my credit report for years. Just showed back up since taken over by XXXX! I'm XXXX for whatever reason. XXXX XXXX are ghouls.
Product: Vehicle loan or lease

Wells Fargo website states on their payment page that any account that is paid 3 or more month 's ahead will have additional funds applied to the principal. 

In XX/XX/XXXX I made 5 payments online, each payment was at minimum for my regular amount due. The last payment posted on XX/XX/XXXX was applied to the principal correctly, as Wells Fargo 's website states. 

However, in XXXX and XX/XX/XXXX, both of my payments were applied to my account and interest was deducted before the remaining funds were applied to the principal, even though my account was showing the next payment was not due for over 3 months. 

When I called a representative in around XX/XX/XXXX after I saw my incorrectly posted payment, they were able to reverse and reapply the payment. I was told I had scheduled the XXXX payment for the exact due date so I scheduled the XXXX payment for a couple days earlier than the due date. However this time, the interest that was deducted from my payment was over twice the amount deducted in XXXX. 

I called their customer support line around XXXX XXXX  on XX/XX/XXXX and spoke with a representative named XXXX who placed me on a hold after I voiced my complaint and came back with the explanation that in the year XXXX, their website/payment system did not have the functionality to check if a payment was 3 or more months ahead and apply the funds directly to the principal. I was incorrectly informed that I could setup an automatic payment that would be applied to the principal but when I was trying to walk through the setup over the phone, XXXX feigned that she couldn't hear me after I said I did not see the principal payment only option and disconnected my call. 

If I had not been checking how my payments were being applied after paying ahead over 3 months, I wouldn't be aware of how Wells Fargo was still deducting interest from payments, even though their website clearly states ( XX/XX/XXXX ) : " When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due. If your account is paid ahead three months, additional funds will be applied to the principal only. ''