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

USAA knowingly pulled my credit without my consent or permission while under credit freeze since XX/XX/XXXX. They were well aware that my entire identity has been stolen and used since XXXX as I documented with them by my former husband, XXXX XXXX XXXX and others ; I had to get another phone and found the letter dated XX/XX/XXXX. 

Thats a significant time issue for them as Im still trying to get MY life back. Now, they refuse to take accountability for their actions which are against the law. 

This is already at the US DOJ level and since they are aware of this, are not cooperating accordingly with federal laws and regulations.
Product: Bank account or service

Bank owners rob clients. 
I, XXXX XXXX, accuse the XXXX bank owners of conscious and notorious robbing clients by setting up accounts without overdraft limits. 

The bankers have set up this way a financial trap to charge clients illegal fees for overdraft. 

Oftentimes and not due to their own fault, people pay penalties of {$35.00} for overdraft of even a single dollar. 

The criminal procedure has been going on in the XXXX for decades, and as financial specialists estimate, people are robbed in the range of $ 40- {$60.00} XXXX annually. This is an intentional manipulation of bank accounts. 

The bankers absolutely can not defend themselves by the client agreement because in practice it is not an agreement for dictatorship. Once I asked a banker if he will open an account for me if I refuse to pay late/overdraft fees, he answered : NO. To a question if he can block my account when I use all my funds, he answered : NO. 

And the problem is very simple ; accounts should be blocked when the deposit is down to zero. 

This is how it 's handled in XXXX where I was in XXXX. The criminal system does not exist over there because the accounts are blocked when there are no funds in them. 
The XXXX banks, and along with them other financial institutions, commit the biggest theft in the history of this planet, which I estimate in trillions of dollars. I personally lost thousands of dollars in the XXXX banks because of this reason. 

Some of the richest people agitating and bribing influential people and use XXXX to achieve their dirty goals. This XXXX, and you as the government, you nothing can do with this, but I can do a lot in XXXX, this is my duty. 

In my writing to the government of XXXX you can read what penalties are meted out for wrong doing. However, very interesting is video on XXXX Wake Up Call. 

I, XXXX XXXX, request that you at CFBP initiate governmental investigation on these procedures. Please inform me if your legal status does not allow you to initiate this investigation, then I will send this accusation to the XXXX Attorney General. 

XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The CRA is reporting false information about a Discover Card account on my report.

I have reached out several times and asked that they remove the incorrect information.

I received a letter from Discover saying that this debt has been canceled and the CRA still says they verified this account.

How can you verify something that even the source says it is not true. Please remove Discover account and Inquiries from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aargon Agency Inc, collection agency, is listed on my credit report and has been not deleted. I was told once debt is paid, credit bureaus will delete information. I confirm with debtor, XXXX XXXX, that debt was paid this year. However, collection remains with credit bureaus. Also, I disputed many times and still nothing is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX XXXX XXXX reported my student loan as delinquent As of XX/XX/XXXX. My loans are still suspended due to the loan forgiveness program. My payment does not show that it is due until XX/XX/XXXX on my account online. This made my credit score drop XXXX points.
Product: Credit reporting, credit repair services, or other personal consumer reports

1- Delete Unauthorized credit inquiry : I contacted Equifax in numerous occasions via certified mail to request that they conduct an investigation into an unauthorized inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  that I did not authorize. Equifax refused to investigate and allowing these inquiries to hindered my ability to obtain loans and other credit products. I am requesting to have the inquiry from XXXX XXXX , XXXX and XXXX XXXX XXXX  deleted of my credit file now.
Product: Credit reporting or other personal consumer reports

I am following up on a previous dispute that was filed in which I requested that multiple accounts listed on my credit report be validated and I was specific asking for documentation that was used to determine the account to be valid. If there was no validation or documentation provided then by law the account was to be deleted. Equifax failed to provide either the proof of validation or deletion of the account. They are now liable for damages under the law for willful non compliance. Further they failed to address all of the accounts that were disputed. I will be seeking damages at this point. 

So again I request that all information for the accounts listed below be provided in writing to me which includes but not limited to : the original contract with my wet signature, full transactional history from date of opening to present or closing of the account, any other documentation that was use to verify the account as being accurate. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX Account # : XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX
Product: Mortgage

Hello, I have a mortgage with Wells Fargo. Recently, I learned that my condominium association provides full " walls in '' insurance on my condominium unit. I cancelled a home owners insurance policy for my property with XXXX XXXX and soon after I received notification from Wells Fargo that I needed to submit proof of coverage as part of my mortgage requirements. Over the last few months, I submitted this proof, provided from my condominium association 's insurer three times through Wells Fargo 's online submission website and mailed in the same proof two times. I also called Wells Fargo on three separate occasions to confirm they received this information. After continuing to receive letters from Wells Fargo saying that I lacked coverage, this week I received a letter informing me that Wells Fargo had purchased an insurance policy for me in the amount of {$60.00} to cover my condominium. 
I completely understand this is a menial amount of money, but after reading about Wells Fargo 's settlement with the CFPB regarding unauthorized accounts, I ca n't help but feel Wells Fargo is probably engaged in other dubious practices throughout their organization. 
Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX  15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit car account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to demand immediate action regarding the fraudulent and unverifiable information on my credit report. My recent investigation into my credit file revealed inaccurate, unsubstantiated items, and a direct result of identity theft. This has caused me severe emotional distress, which your agency is legally responsible for addressing. Under 15 U.S.C. 1681e ( b ), your agency is required to ensure the maximum possible accuracy of the information contained in my credit report. It is abundantly clear that this obligation has not been met, and I hold your agency fully accountable for this oversight. Furthermore, under 15 U.S.C. 1681i ( a ) ( 7 ), I am entitled to a detailed description of your agency 's procedures to verify the accuracy and completeness of the disputed information. This includes the business name, address, and phone number of any furnisher of the information in question. I demand that this description, including all related documentation, be provided to me within 15 days of this request. 

I have previously notified your agency that I am a victim of identity theft as a result of the XXXX data breach. Attached is my Federal Trade Commission ( FTC ) Identity Theft Report. I have already demanded the immediate removal and blocking of all fraudulent information from my credit report as required by 15 U.S.C. 1681c-2 ( a ). However, the following items remain on my credit report, and this failure to act is unacceptable. 

Items in Question : XXXX XXXX XXXX XXXX XXXXXXXX It is out of date and does not comply with reporting obligations and consumer legislation. I kindly request that you provide documentation confirming compliance, and I demand that any wrong, incomplete, or unsupported material be deleted from your records. 

I did not initiate any of these inquiries. If you believe otherwise, provide me with copies of my written consent. The following items must be removed from my consumer report immediately under 15 U.S. Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) : XXXX XXXX XXXXXX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report XXXX - XX/XX/year> - My Identity was stolen, and my personal information has been impacted by a data breach! This company has requested and obtained a copy of my consumer report without my consent or permissible purpose in violation of the Fair Credit Reporting Act (? FCRA? ). Delete this from my report
Product: Mortgage

XX/XX/XXXX Missed loan payment, XX/XX/XXXX applied for Forbearance. XX/XX/XXXX Forbearance granted. XX/XX/XXXX Attempted to make all payment and cancel forbearance. We spoke to a customer service rep and made all past due payments, however due to his error of under charging us by {$6.00} our XXXX payment was put in a " holding account '' until we called on XX/XX/XXXX because account was still showing default online. XX/XX/XXXX Called and spoke with a supervisor that explained what had happened also again canceled forbearance and set up autopay for XX/XX/XXXX and all future payments. XX/XX/XXXX received an email that autopay is setup. Online account shows autopay setup, still shows account behind, also shows active forbearance. We sent numerous email message, called and could not get a live person, we even asked for a call from a live person with no response. Our credit is showing we are 7 months past due on our mortgage. XX/XX/XXXX We made an online payment because our credit union does not show a draft. We called and actually got a representative ( loss mitigation ) haha because we are calling about what they still list as a past due account. XXXX helps with problem assures us that account is current and transfers me to customer service for help with credit issue and letter for auto finance letter because XXXX XXXX has rescinded their offer on a car we purchased on XX/XX/XXXX due to " delinquent mortgage ''. Customer service XXXX states she can not help. I do have all documented email from loan care and rescinded offer from XXXX XXXX.
Product: Debt collection

PORTFOLIO RECOVERY has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.
Product: Debt collection

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.

i sent this to you certified and had you ignore giving me a response.
Product: Vehicle loan or lease

Dear XXXX XXXX XXXX CFO SAFCO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from SOUTHERN AUTO FINANCE CORPORATION. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of receipt of this notice, as well as the associated chose in action insurance policy/ices. I am also requesting the governing Trust instrument.

Thank you for your prompt consideration and understanding of the agreement in good faith. 

Sincerely, XXXX XXXX
Product: Mortgage

To Whom It May Concern : In XXXX, I purchased a home in Texas located at XXXX XXXX XXXX in XXXX, TX. The financing structure was a 1st and 2nd and both loans were through XXXX XXXX XXXX ( A subsidiary of XXXX ). Unfortunately, in XXXX, tenants moved out and there was extensive damage both from them and from the hurricanes. Simultaneously, my business had been affected by the collapse of the economy and I was going through divorce as well. I did my best to work with local realtors to get the home listed for sale or rent but couldn't get anyone to represent me with the home in the condition that it was in. Finally, the home went to foreclosure. At the time of foreclosure, XXXX XXXX sold the 1st Trust Deed to XXXX XXXX. The 2nd had already been transferred to Specialized Loan Servicing. Specialized Loan Servicing did not make any claim at the time of the foreclosure and ultimately got nothing. Shortly after that, they started sending me letters and calling me, trying to collect the principal balance. The loan was attached to property that went to foreclosure and I had never refinanced it. Therefore, the loan should have been a non-recourse loan. Even if it wasn't, Specialized Loan Servicing eventually charged the loan off through a Profit and Loss but they still continued trying to collect the principal balance from me. At one time, I was so frustrated that I offered them a nominal settlement but they stated that they would XXXX me for the difference so I halted the negotiations.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding multiple violations under the Fair Credit Reporting Act ( FCRA ) Section 623 by XXXX XXXX XXXX XXXX and XXXX. Below, I have detailed the issues observed on my credit reports with Equifax, XXXX, and XXXX. 

XXXX XXXX XXXX XXXX ( Account # XXXX ) Illegal Re-aging on Equifax and XXXX : The last activity reported on my Equifax credit report is listed as XX/XX/XXXX. 
The last activity reported on my XXXX credit report is listed as XX/XX/XXXX. 
However, XXXXXXXX XXXX 2-year payment history shows two instances of being 60 days late, which is not reflected on Equifa

x, indicating a discrepancy and potential illegal re-aging. This inconsistency violates FCRA Section 623, and I req
uest the removal of this false information immediately. 
XXXX ( Account # XXXX ) Violation of Reporting Standards : XXXX shows this account as past due, whereas Equifax and XXXX both show it in good standing. This discrepancy constitutes double jeopardy and is a form of illegal re-aging. 
XXXX reports the last activity as XX/XX/XXXX. 
Equifax reports the last activity as XX/XX/XXXX. 
XXXX reports the last activity as XX/XX/XXXX. 
Additionally, there are numerous inconsistencies in the 2-year payment history across all three credit bureaus, further indicating inaccuracies and reporting errors. 
Given these multiple violations, I request that the inaccurate information be corrected or removed from my credit reports immediately. 
These discrepancies and reporting inaccuracies have caused significant distress and have adversely impacted my creditworthiness. I urge the CFPB to investigate these matters promptly and ensure that the reporting entities comply with the provisions of the FCRA. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Debt and Demand for Validation Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1691 To Whom It May Concern, This letter serves as formal notice that I dispute the alleged debt referenced in your collection attempts, as it has not been properly validated in accordance with federal law. Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I exercised my right to request validation of this debt. However, to date, your agency has failed to provide sufficient evidence proving that this debt is legitimate, that I am the rightful debtor, or that your agency has the legal authority to collect it. 

Furthermore, per 15 U.S.C. 1691, under the Equal Credit Opportunity Act ( ECOA ), any adverse action taken against a consumer, including credit-based collection actions, requires proper notice and justification. Your failure to validate this debt before continuing collection efforts constitutes a violation of my consumer rights. 

Pursuant to my rights under the FDCPA, I demand the following : XXXX. Cease and desist all collection activities related to this disputed debt until you provide full and proper validation, including but not limited to, a signed agreement or contract explicitly linking me to the alleged debt. 
XXXX. Provide documentation proving your legal authority to collect the alleged debt, including a full chain of assignment from the original creditor. 
XXXX. Immediately remove any negative reporting related to this alleged debt from my credit profile with all credit reporting agencies, as unverified debts must not be reported per federal law. 

Failure to comply with these requests constitutes willful noncompliance with federal statutes and may result in legal action against your agency. If I do not receive an adequate response within 30 days from the date of this letter, I will explore all legal remedies available to me, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please be advised that any further communication regarding this matter must be in writing only. I expect prompt resolution and full compliance with federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had to reveal my full SSN, Pin #, Mother 's Maiden Name, Address in order for my bank to talk to me about the below  concerns, which is also concerning. 

I deposited 2 checks from a money market account on XX/XX/XXXX. The first check for {$5000.00} cleared but Truist is still holding funds from the second check for {$2500.00}. 

I wrote a check for XX/XX/XXXX in the amount of {$5400.00} that subsequently bounced on XX/XX/XXXX. 

I spoke with Truist today and there is nothing wrong with the check -- they are just holding the funds, causing me to bounce the check, which could lead to foreclosure on our house. 

The only coherent explanation was that : 1. The funds were significant, which is why Truist could not clear it, and 2. It was my fault. 

If $ XXXX-XXXX  is a significant amount for Truist, then I wonder how the merger between SunTust and BB & T benefits America and its citizens. 

The resolution offered by Truist was to call their CEO ( whom could not be named ) at ( XXXX ) XXXX. When I called this number a voice recording replied that no one was available to help. 

Feels like Truist is now insolvent and I want to bring this to Federal Government 's attention.
Product: Payday loan, title loan, or personal loan

XXXXXXXX XXXX XXXX I opened an account in XXXX XXXX  closed XXXX account in XX/XX/XXXX. I have no knowledge of this loan. I either want physical proof or it removed from my credit bureaus.