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

Around XXXX on XX/XX/year>, I received a call from XXXX, which is typically USAA bank number. When I answered the man over phone asked me if I could verify a charge on my account, and I said that I do not verify the charge. He then said that because of the charge he would have to give me a whole new account number for both my checking AND savings. He asked me to verify my identity through a text link ( which USAA normally does ), and when I did he then had access to my account where he had moved all the money over himself. I never told him any of my information over the phone. 

The man over phone said that I would need to wait XXXX business days before I could have access to my funds again. I said that I can not do this, because rent is due soon. He then said that I could go to a local XXXX bank and he could walk me through the steps of taking money out of my account, to move over into another account. He said that USAA is affiliated with XXXX Bank, and that the bank will let me open a new joint account through them. He gave me a virtual debit card over the phone to enter in my XXXX wallet. I was afraid that if I did not comply I would loose access to my account with my bank, or that the bank would shut down my account. 

While the man was on the phone with me, he told me to do a cash advance of {$10000.00} ( though I only had {$6500.00} in my savings ) and that he would initiate this amount from my all my accounts, to my checking. I went to the teller at XXXX bank and entered my Debit card to their card reader. Then he told me to enter that {$10000.00} cash through the XXXX bank ATM using the XXXX card on the mobile wallet. After multiple tries, the ATM took the {$10000.00}. Throughout the process asked him if I could just do this through the counter and he said " no ''. 

After the {$10000.00} was entered, the XXXX XXXX ( XXXX XXXX ) came over to me asking me what was going on and I told her. She said that XXXX is not affiliated with USAA bank, and that I was being scammed. I did not know how to feel, because this scammer did everything a normal USAA agent would do and I trusted that this was a real person with the bank, I immediately hung up and called the bank itself. I only found out on the night of XX/XX/XXXX, that the scammer had taken over my account and opened a new checking under my name. I filed a complaint with my state government the afternoon of XX/XX/XXXX. 

The morning of XX/XX/XXXX, I saw that the scammer tried to take out {$5000.00} from my other bank, XXXX XXXX Bank ( that I connected to USAA years ago ). This put that checking account in the negatives. I called XXXX and fortunately they said the XXXX charge would be dropped the next day, and it was. This {$5000.00} is what the scammer tried to put with my savings, to get the {$10000.00}. He could not see how much was in my XXXX bank, through my USAA because that joint link had not been updated in months. I filed a fraud claim with both USAA and XXXX bank on XX/XX/XXXX.
Product: Credit card or prepaid card

I had financial and mental set backs upon returning from the military. I had multiple credit cards through USAA. I fell behind and they were eventually closed. The time came to purchase a new house and even though they were closed they effected my credit. I contacted USAA directly and they said they do not deal with closed credit cards. 

I confirmed the holders of the debt and reached a settlement with them.I paid a negotiated price on XXXX XXXX with two separate companies. One company by debit card and one by check over phone. I got confirmation for the debit payments XXXX XXXX and on the check by phone XXXX XXXX. The amounts were XXXX, XXXX, XXXX, XXXX, and XXXX. 

Once I got these letters I contacted USAA again. After being on hold for over 30 minutes they said they had to send it to some back office and there was no way to expedite or check up on the processes. They gave me a time frame of 2 weeks for this to be updated. 

During this time I submitted for a rapid rescore. Having given permission to USAA to share my information with all 3 credit bureaus on my initial phone call as advised there should have been no problem. The rapid rescore comes back and says that I must call and give permission. I tried again and my credit still reflects these balances. 

The rescore did nothing. It has now been 6 weeks since paying and receiving letters stating these accounts are resolved and settled in full. 

I contacted USAA again before escalating to this level. I was transferred multiple times and when it sounded like I may be on the right track I was to be transferred again. Instead I was hung up on. I called back AGAIN. I requested to be transferred to the department was met with an astounding array of security questions that I even did not know some of. Was told I needed to be transferred placed on hold again. Hung up on again. I did not want to go this route but this appears to be my only option. USAA up to this point has been an amazing organization and I believe in their philosophies. This is ONLY to do with their 'charge off ' department. 

**Please note that some of the documents are password protected. The password is XXXX
Product: Checking or savings account

I ordered some checks from my XXXX XXXX Checking. The day I ordered like a week ago I asked if they were free and they told me there were not charge. Today XXXX being charged {$29.00} of XXXX XXXX. I tried get refund and cancel the transaction and they refused to do it
Product: Debt collection

I continue to receive phone calls from debt collectors that I do not owe. My identity was stolen a few years back and I have been trying to fix it ever since. I have paid all of my past debts but yet I keep receiving calls from accounts Ive never had.
Product: Credit card

On XX/XX/2024 I reserved a Hotel room at the XXXX website. Chase advertised on the XXXX Website that by applying for the Chase XXXX card I would get {$300.00} + XXXX point credit for applying. 

After not getting the {$300.00} credit and the XXXX points I called Chase and they stated they did not have me in their system and to send them the confirmation number. I wrote to them the same request for the {$300.00} credit and the XXXX points on the Chase website on XX/XX/XXXX. They wrote to me stating that they would be willing to match the offer if I found the confirmation number and sent it to them. 

I found the confirmation code and sent it to them. They refused to match the original offer of {$300.00} or the XXXX points. To date they have only given me {$300.00} and refused to match this with another {$300.00}, or given me the original XXXX points + another XXXX points pursuant to their statement they would match the points as well.
Product: Checking or savings account

I had a CD with totaldirectbank and wanted to elect for it to go into a savings account instead of a new CD. The bank did not make this easy. I opened a savings account with them intending to fund it with the CD but this didn't work so I ended up transferring more funds from my wellsfargo account to open it. Then I wanted those funds transferred back to XXXX XXXX quickly so I initiated a transfer request AFTER the required waiting period. Then I tried to transfer the full {$100000.00} but they imposed a limit of {$25000.00} per day so I set up 4 separate scheduled transfers on consecutive days. The first one processed to a pending state where it has stayed for 5 days, and they have canceled the others one by one on the day they were scheduled to execute. I have requested to close the account and have all of my funds transferred to XXXX XXXX immediately and they have advised that I will lose interest for the partial month of XXXX. Though I am not pleased with this I still request a complete return of my funds to my XXXX XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention a serious issue regarding a credit reporting agency 's failure to update incorrect personal information, including names, addresses, phone numbers, and employers. Furthermore, it is evident that the agency 's actions constitute a violation of the Fair Credit Reporting Act ( FCRA ) provisions. 

I recently reviewed my credit report obtained from [ Credit Reporting Agency Name ], and to my dismay, I discovered several inaccuracies and outdated information that have not been rectified despite my efforts to have them corrected. The incorrect personal details that remain unaddressed include : Names : The credit reporting agency has failed to update outdated and incorrect names associated with my credit profile. This has led to confusion and potential misidentification when my credit history is assessed. 

Addresses : Despite numerous requests to update my current address, the credit reporting agency continues to report previous addresses that are no longer valid. This misinformation could potentially affect my eligibility for credit and create unnecessary complications when conducting financial transactions. 

Phone Numbers : The agency has neglected to update incorrect phone numbers associated with my credit profile. This oversight not only compromises my ability to be contacted in case of legitimate credit inquiries but also raises concerns about potential misuse of my personal information. 

Employers : The credit reporting agency has failed to accurately update my employment information, listing outdated or incorrect employers. This misrepresentation of my employment history could negatively impact my creditworthiness and distort the accuracy of my credit profile. 

These persistent errors and the credit reporting agency 's failure to address them demonstrate a clear violation of FCRA laws. As outlined in the FCRA, consumers have the right to expect accurate and up-to-date information in their credit reports, and credit reporting agencies are obligated to ensure the maximum possible accuracy of the information they provide. 

I have made repeated attempts to resolve these issues by contacting the credit reporting agency directly and submitting formal disputes through certified mail. However, despite providing clear documentation supporting the necessary updates, the agency has not taken any action to rectify the inaccuracies within the required time frames.
Product: Checking or savings account

Capitol one does not let me have access to my account and have not deposit my check I want my money now its been since Thursday that I have no received my direct deposit due to the poor action on not keep our account secure and having power outages I need my money now
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, XXXX XXXX added a derogatory mark on my credit report for {$170.00}. Upon further research, this account was transferred/sold and I am no longer responsible for the account. They did not verify this account and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. This alleged debt is not mine I never entered into a signed agreement or completed an original contract with ( XXXX XXXX  ). This inaccurate collection is not mine. I never provided any written consent or permissible purpose for this alleged creditor to report on my consumer report. I AM THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report. This is a violation of U.S. Code 1681b permissible purposes of consumer reports. Pursuant to 15 U.S. CODE 1681b ( a ) ( 2 ) - Permissible purpose, of consumer reports. ( A ) in general Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I NEVER PROVIDED WRITTEN PERMISSION OR ANY CONTENT to pull my consumer report. This is a violation and also identity theft! 15 U.S.C. 1681c-2- Block of information resulting from identity theft. 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court. I demand this inaccurate account to be removed and deleted from my credit report immediately or I will file for litigation and report you to the FTC
Product: Student loan

Loan rates have become so high that the loan is difficult to pay. Even by making a good wage, the interest rate has stacked the payments so high, it becomes difficult to find alternatives other then deferments in order to pay for rent or food. The lucrative appeal of deferment is the only option I can work with but in only tacks on more to my loan. Even through working with repayment plans, the monthly payment was no different to my current payment plan and it did n't impact any part of my interest rate significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX  The short sale was started XX/XX/XXXX with SLS. On XX/XX/XXXX we were told the file was complete. 

On XX/XX/XXXX we were countered. On XX/XX/XXXX the buyer met their counter. 

On XX/XX/XXXX we were finally told that SLS had DONE NOTHING on the file and we had to start over. 

On XX/XX/XXXX we were told that the file was complete, was sent to the investor and we would have an update by XX/XX/XXXX. 

On XX/XX/XXXX they told us they had nothing done on the file and claimed they had 30 days more to work on the file. 

On XX/XX/XXXX we filed a CFPB complaint, to which SLS stated they did nothing wrong and too bad. ( See attached complaint and SLSs pathetic response. 

On XX/XX/XXXX we were told that it had passed MI review and was sent to the XXXX XXXX for decisioning. 

On XX/XX/XXXX we were told that XXXX XXXX is now requiring a higher net. NO EXPLANATION WAS GIVEN AS TO WHY THIS CHANGED SUDDENLY AND I CAN ONLY IMAGINE SLS WAS LYING WHEN THEY SAID THEY SENT IT TO XXXX XXXX PRIOR TO THIS. 

On XX/XX/XXXX the buyer accepted the new new counter offer and all docs were submitted. 

On XX/XX/XXXX we were told that SLS had to order YET ANOTHER BPO VALUATION. 

On XX/XX/XXXX we were told that it was sent to the investor yet again, and on XX/XX/XXXX it was sent to PMI for approval. 

***SLS STATED TODAY XX/XX/XXXX THAT WE HAVE TO START OVER AND THE HOMEOWNER HAS TO GO THROUGH ANOTHER LOAN MOD REVIEW, EVEN THOUGH HE HAS BEEN DECLINED MULTIPLE TIMES ALREADY AND THE HOMEOWNER DOES NOT LIVE IN THE PROPERTY. 

SLS has STOLEN five ( 5 ) months of servicing fees from the investor. They are obviously defrauding their clients, their investor, can not follow State or Federal guidelines, and think the CFPB is a joke. 


**************SLS CONTINUALLY MAKES UP DOCUMENT REQUESTS IN AN ATTEMPT TO MILK THE SERVICING FEES OUT OF THE INVESTOR, XXXX XXXX XXXX THEY ARE DEFRAUDING THE INVESTOR. BY FORCING THE BUYERS TO CANCEL THEY CAN KEEP THIS IN A DEFAULT STATUS INDEFINITELY AND CONTINUE MILKING SERVICING FEES OUT OF THEIR INVESTOR. IT IS CLEAR AT THIS POINT THAT IS SLSS BUSINESS MODEL, PURPOOSEFULLY FRAUDULENT SERVICING POLICIES RESULTING IN EXTENDING THEIR INCREASED MONTHLY DEFAULT SERVICING FEES. 


********THEY HAVE DONE NOTHING BUT LIE TO US SINCE XXXX THIS NEEDS TO STOP NOW AND I DONT WANT TO HEAR ANYMORE XXXX LIKE THE RESPONSE YOU GAVE IN THE LAST CFPB COMPLAINT ABOUT HOW YOU HAVE DONE NOTHING WRONG. CLEARLY YOU HAVE. 



I want SLS to be investigated for these continual and deceptive communications. I want the short sale approval letter that we should have gotten shortly after the buyer accepted SLSs counter offer on XX/XX/XXXX. 


CC : 1. XXXX XXXX XXXX. OAG 3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ) by neglecting to conduct a reasonable reinvestigation of disputed information on my credit report. As a result, inaccurate and unverified accounts remain unresolved, violating my rights as a consumer.

Furthermore, the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, citing systemic issues such as : Failing to forward consumer-provided evidence to furnishers, Accepting unreliable responses from data furnishers, and Failing to adequately notify consumers of dispute outcomes. 
These failures align with my experience. Despite my formal disputes, Experian has neither corrected nor removed the inaccurate accounts, specifically : XXXXXXXX XXXX XXXX XXXX XXXX Experians continued inaction constitutes a direct violation of federal law, including but not limited to : 15 U.S.C. 1681i ( a ) Obligation to conduct a reasonable reinvestigation, 15 U.S.C. 1681e ( b ) Duty to maintain accurate consumer reports, and 15 U.S.C. 1681n & 1681o Liability for willful or negligent noncompliance.
Product: Credit reporting or other personal consumer reports

paid in full, spoke to representative, they said once paid in full it would be deleted off my credit report, it is still on there and the amount. It is a XXXX balance and should be deleted per my agreement with trueaccord acting for XXXX XXXX
Product: Credit card or prepaid card

On about XX/XX/XXXX I received a letter from " XXXX XXXX, '' Alliant dispute analyst, telling me they had " insufficient written evidence '' to maintain the credit on my account for a dispute against XXXX for {$64.00}. The dispute was because the item I purchased was not as advertised. When I called today, XX/XX/XXXX, the agent who I spoke with refused to transfer me to XXXX " XXXX, '' and told me that the reason the dispute was not honored was that I allegedly did not provide written proof of the request to return in response to a phone call from XXXX XXXX. 

However, on XX/XX/XXXX at XXXXXXXX XXXX, I had emailed Alliant this precise information. I explained this to the agent, but they refused to connect me to XXXX " XXXX '' and more importantly refused to honor the dispute.
Product: Credit reporting or other personal consumer reports

XXXX Block Request : Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to disput e an issue with XXXX XXXX. I have sent a letter of validation with cease and desist to them back in XXXX and disputing with each of the credit companies. FIRST AND FOREMOST XXXX DID NOT PROVIDE ME THE INFORMATION THEY ARE REQUIRED TO DO SO BY LAW. The only provided me a print off of a statement and no contract or any other details as they are required to do Pursuant to Haddad v. Alexander, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX ( XXXX XXXX. XX/XX/2014 ), and 15 USC 1692g ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt amount. Do you have the right person? Please do not look at my credit or report anything to my credit reports as I dispute I owe this debt amount to you and that dispute should be stated on my credit report. 
Instead what they did was look at my credit report, updated with different information that they have not been clear about, did not put a statement on my credit report as requested and never sent me the contract the original contract for the loan. I have been requesting this for 3 years. The credit reporting companies also did not follow for a credit reporting. This is my last opportunity that I am giving them before I file a lawsuit. I will force them into arbitration as well all of them if necessary. I want the original contract I want the laws followed.
Product: Credit reporting or other personal consumer reports

PERSONAL INFORMATIN WAS USED TO OPEN FRAUDULENT ACCOUNT WITHOUT MY CONSENT. FRAUDULENT ACCOUNT ARE BEING REPORTED ON MY CONSUMER REPORT
Product: Credit card or prepaid card

I received a letter from Genesis Financial Service regarding my account being blocked due to change of address request. I contacted them and informed them that I did not open this account and reported fraud. They advised me to contact the FTC and register a complaint in the meantime they would close the account and investigate the fraudulent account. There was a charge made for XXXX to this account.
Product: Bank account or service

OK to start when I open the chase account I was told that there would be a charge of XXXX if I use my card and did not have the funds which chase would cover up to XXXX but would charge me XXXX well I 'm on ssi and I had this bank for over 9years and never notice until now that chase has been charging XXXX extra if I did not deposit the money that they have covered. I found out that if you do n't deposit the XXXX. That you will get charged XXXX morning in 5 days now I was never told that when I opened the account so chase has been stealing from me taking money from me and not only me the government because my money comes from social security.. So what I 'm asking is for chase to give me my XXXX that they took from me back after all this years.. That money belongs to me. Now I wonder how many people have they done this to specially the older people that get social security. I want something done about this ... I wonder if this company is doing what XXXX XXXX did.. Someone needs to do a investigation in Chase Bank ..luke I said all I want is my money that they took with out telling me.. To me that 's called fraud