23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My identity was compromised and the accounts are not mine. I have paid the balances, and settled in some cases to try and fix this. I need the accounts to be removed ; deleted because they are not mine and they are reporting to my acct. 
I will settle ; and pay the balances for the deletion and removal of the accounts. I suspected identity theft XXXX when my wallet and cards were either lost or stolen during a rough period of homeless that I was experiencing ; my accounts and info were compromised and possibly stolen & there are errors on my report. Reflecting accounts that are not mine or that were taken over ; please assist me in having these accounts removed and the errors deleted so that I could have an accurate report that reflects accuracy/ correctness in reporting as provided by the law. Please advise. XXXX I have been settling the accounts and paying the balances the information is incorrect and the reporting has errors. The accounts are all closed for the most part but are still reporting to my credit report affecting my credit score and providing me a credit report with errors of accounts and balances. I accepted that Id have to pay the balances ; and settle to get these errors fixed, and removed but. Error is still flooding my credit reports and the companies are unwilling to delete the info and remove the reporting error ( XXXX ). Action is needed from the creditors to fix/ remove all errors as reported and accurately make report of all accounts. Please assist me by removing the information and deleting the errors from my credit report. As Ive been paying balances from a suspected identity theft and fraud. Maybe the companies will delete the errored accounts and info and we will be able to move forward with acct reporting ; and accurate reporting of credit score. I AM disputing my credit report in/Full and stating that in its entirety has errors that need deletion and removal Ive been paying balances to these closed accts for about XXXX years now and I AM seeking relief from this theft. Accuracy of reporting the accounts is being requested by myself, and deletion of errors/ removal of accounts that arent mine ; either that or have been settled will need to be deleted and removed from my credit report. Score wise Experian seems to have the most errors and is reporting accounts that arent my own. I think that all of the creditors and companies need to fix errors, and remove ( the account information ) from my reports due to a suspected identity theft ; & fraud.
Product: Student loan

I XXXX XXXX XXXX of XXXX XXXX XXXX XXXX have been seeking for immediate action and fiduciary trusteeship of NELNET INC. due to inaccurate information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate.

The NELNET INC. has failed to properly remedy and investigate this matter. 
The SSN assigned to XXXX XXXX is property of the SSA and anything purchased under such account is an obligation of the United States per 18 USC 8 Anyone attempting to collect a debt from the XXXX  is guilty of the False Claims Act ( FCA ) per 31 USC 3729 Principal XXXX XXXX XXXX XXXX has never entered into a valid contract with NELNET INC. and they never supplied said contract when prompted to by implied surety and authorized agent XXXX XXXX XXXX on behalf of the XXXX XXXX XXXX XXXX 

Implied surety and agent XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX Princiapal invokes his unalienable right to subrogation on this matter and hereby accept all titles, credits, rights, interests, and equity owed to XXXX XXXX
Product: Mortgage

i am a son that stay, s with my mom mother and I am unemployed no money and unable to apply for unemployed beinafits and with out unemployed insurance and my mom is a retired XXXX and getting social security income and we have to pay for repair, s on the home because we have had some havey stom, s and flood, s last year and we had to pay a handyman to do repairs on our roof because the havey stom s and flood made our roof leak and the same thing has happened again and we had to take out home owner, s insurance and pay out of pocket that and we had to pay the handyman out of pocket last year to do the repairs on our roof do to the havey rain storm last year in XXXX and we had we had to defa, s in the family because two of my uncle, s died this year one get XXXX buy somebody else at a local store in XXXX and in XXXX the other one died of XXXX  and XXXX XXXX and we are still dealing with that right now and and most of all we tried to callMr Cooper Mortgage company to tell them we was going to go to send them a payment in the mail and the lady that picked up the said our house is in for closure and they are worng because and most of all we won't Mr Cooper mortgage company investigate and they bank that they bank with to be investigated XXXX possible it is very important and urgent!
Product: Mortgage

Mr. Cooper / Nationstar overpaid my insurance resulting in a refund which they never reapplied to my impound account or mortgage balance. Essentially Mr. Cooper / Nationstar overpaid my insurance and then kept the refund, stealing a {$2200.00} refund meant from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX # XXXX, has 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 account without my written instructions.
Product: Checking or savings account

I wanted to close my USAA account and receive my funds which were just over {$2000.00}. I attempted to transfer the money myself using the website. It gave me errors every time we tried. I tried transferring using the mobile app, but it gave me errors there as well. When I would call, it was extremely difficult to get a customer service representative on the phone. Finally, on XXXX XX/XX/year>, I was able to get through to a female representative. When explaining that I was unable to transfer my money and that I was also wanting to close my account, she never really gave an explanation or resolution to the fact that the transfer portal on the website and app were not functioning. We focused on closing the account. I wanted the money to be transferred electronically via wire or ACH. She told me I could not have it transferred electronically. She then said we can only receive it via check which we had no choice but to say 'yes ' to since she claimed there were no other options available to us. We were told to expect it within XXXX days. On XXXX XX/XX/year>, I received an email informing that the check was undeliverable. So I called in again to confirm the address and see if there is another option for receiving my funds. The address on file ( which had been confirmed numerous times on both phone calls ) was correct as I expected. The female representative from the phone call on XXXX XX/XX/year> offered no remedies except to mail another check. And that I would just have to wait to see if it comes in XXXX more days. I asked about a resolution if the check does not come this time but she just kept saying that's all they can do. They use XXXX but apparently won't use XXXX or XXXX in order to get a customer their money. She said since my account was closed, we could not conduct a transfer. Reminder that the previous representative informed me they could not perform a transfer. I then asked if it was possible for me to reopen an account with those funds so we could attempt to transfer. We were unable to do that as well. For a company that runs heavy on being 'XXXX friendly, ' I am absolutely appalled and disgusted at how poorly USAA has performed at every turn. They make it incredibly difficult. The user functions on the website and application gives errors and is not user friendly. Contacting USAA to speak to an actual representative is a struggle as I called 5 times that week before getting to speak to someone. It's also quite telling of this company..makes it extremely hard to cancel/close an account and receive the funds that belong to you. I feel completely disrespected here. I will never return and I would speak against USAA if any of my family or friends think about joining USAA in any way, shape or form. DO NOT TRUST THIS BANK. POOR ORGANIZATION. POOR CUSTOMER SERVICE. WORST EXPERIENCE WITH A FINANCIAL INSTITUTION.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I know nothing about them, and the company did this without asking me.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within 30 days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : 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: Student loan

I refinanced a federal loan upon graduating in 2006. I thought the terms of repayment were 120 payments ( 10 years ) but it appears I 've been paying on a 20 year loan. As my service provider has changed several times ( XXXX to XXXX XXXX to Navient ) I requested my " terms of repayment '' on multiple occasions. I finally received a document with the total amount borrowed but no terms of repayment. Via the customer service representative, the information has been requested several times but I have not received any documentation. 

I am concerned that I have been billed incorrectly and Navient can not produce my loan documents in a timely matter ( or potentially at all ). I would like information about my loan to make sure it is being serviced correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has a XXXX XXXX account that is closes on my credit. 
XXXX XXXX XXXX has went to collection for XXXXXXXX XXXX also for XXXXXXXX XXXX  XXXX XXXX XXXX has went to collections for XXXXXXXX XXXX XXXXXXXX. XXXX, XXXX has went to collections for XXXX XXXX XXXXXXXX XXXX has been placed on collections for XXXXXXXX XXXX XXXXXXXX XXXX has been placed collections XXXXXXXX XXXX  XXXX is placed in collection XXXX XXXX
Product: Consumer Loan

I was looking for car to purchase in XXXX at XXXX NISSAN I was put under a lot of pressure by XXXX XXXX and his used car manager. I suffered a XXXX, they took advantage of me by selling me XXXX different cars, checking my credit three times and lowed my credit rating. Also gave me a 10 % interest rate. XXXX XXXX XXXX XXXX wanted to pay my loan off and give me a lower rate but they said that the dealership committed fraud on my loan and the XXXX MAXIMA was over priced, XXXX times its value. The car is worth {$20000.00} and I paid {$60000.00}. I have told NISSAN CONSUMER AFFAIRS about this for XXXX years nothing has been done. I continue to make double payments on a fixed income. I am a XXXX Veteran with various health problems. Your cooperation in this matter will be gladly appreciated. This is disgrace to be treated this way. THANKS
Product: Debt collection

My issue is this one : Communication has been ZERO. I have and continue to phone XXXX and XXXX daily re : Bank of America CC debt. I only ever get as far as speaking with a receptionist. The receptionist is not my problem. My problem is that # 1 ) I have this debt that BOA states that I should address with this law firm. 

# 2 ) I don't know which of the XXXX contact people to speak with for BOA collection accounts but the receptionist has forwarded me to all XXXX at this point # XXXX ) I have left daily messages and phone repeatedly but not heard back from anyone at XXXX and XXXX to either settle or make payments or be informed of my options # XXXX ) I am told every single day by the receptionist that I will be ( should be ) phoned back by someone in the office but its been well over that time period and cant establish any contact about the debt # XXXX ) Have documented with Bank of America on a daily basis that I am trying to reach them but XXXX & XXXX will not return my calls and wont answer their phone # XXXX XXXX Bank of America recovery dept on multiple occasions has made the calls with me and documented XXXX and XXXX lack of response
Product: Checking or savings account

On or around XX/XX/XXXX, I received a bank statement from TD Bank for an business account that I did not open. 

On XX/XX/XXXX, I spoke with a branch manager and customer service rep at a XXXX, MA TD Bank location, and neither of them could tell me who opened the account. They told me that the account was opened online and provided me with the XXXXertificate Regarding Beneficial Owners of Legal Entity Customers. ( See attached ) When I XXXX  the source of the deposit ( XXXX XXXX ), I found the following : XXXX XXXX XXXX XXXX XXXX XXXX is a recoverable assistance program offered by the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( the Bank ) that helps members provide financing for qualified small business transactions by. filling the gap between what the member can finance and the loan request by the eligible small business.XXXX XXXX XXXX I did not request this loan. 

I do not want this loan. 

I did not open this account. 

I believe this is a fraudulent attempt to sign me up for a business loan. 

The Branch Manager offered to close the account and give me the money in the account. I did not accept this because I believe that it would mean I accepted the loan ... .which I didn't request and don't want!
Product: Debt collection

I was a member of XXXX XXXX XXXX, TN for about 3-4 months. I paid through direct deposit and cancelled XX/XX/18 and even went up there in person and they told me I was cancelled and that I had no debt, but I have no proof they said that. They sent me a letter ( which I still have ) on XX/XX/18 telling me I owed them {$16.00} and that my cancellation date was, in fact, on XX/XX/18. I called them a few days after and they said they would delete the debt and that everything was fine. On XX/XX/18, I received mail from Aldous and Associates Law firm ( which is partnered with XXXX ) that they are a debt collector and that I owe them {$65.00}, but I didn't see the mail until XX/XX/18, because they didn't send it to my current address, because I am living on-campus. I called them on XX/XX/18 to tell them I wanted to dispute and they told me that they couldn't help me and to send them a written notification and that if I didn't have any proof, I would be out of luck, which is when I went searching for my original letter from XXXX. I am sending my dispute hopefully tomorrow with a copy of the letter.
Product: Credit card

Barclaycard refused to address my XXXX XXXX hotel dispute. They rebilled me for a XXXX XXXX charge in error. They failed to respond to my letter disputing the rebill based on events that occurred after the rebill. They also billed me an additional XXXX more than my balance for no reason at all.
Product: Checking or savings account

Lending club automatically withdraw money from my investment account to a saving account but provides no means to access that money. They also have not responded to my email for over 2 weeks.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

Hello, My vehicle was wrongfully repossessed on the date of XX/XX/21 at XXXXXXXX XXXX on private property. I contacted the company to get my vehicle back. They gave me the information to collect my belongings. They did not state what belongings were in the car when they repossessed it. Once I arrived to get my belongings, Multiple items from my car were stolen, My guitar was passed down from generations, other music equipment, my daughter 's car seat, speakers, and even jewelry I left. The company stated I would have to pay the fees owed and deal with the tow company. Which I did, and they still did not help me or explain where my items were. I was informed to contact the company I received the car from and inform them. They did not help me. I have sent them a cease and desist to not contact me, along with a debt validation letter. Which they did not validate. I get contacted and harassed by the company on a daily and weekly basis through letters, phone calls, and emails since I've started the dispute. This is completely unfair and inhumane to do, especially in the state of the world right now.
Product: Credit card

USAA XXXX XXXX - I specifically requested the card that had an intro apr rate on purchases and not balance transfers. The representative from USAA told me I had a couple of cards to choose from before applying to them and I requested the into apr on purchases, I did not receive that, instead I was given the same card without intro on purchases but for only balance transfers, they totally mislead me. I ended up using the card believing that I had an intro on purchases and utilized a lot of my credit. I was very furious to find out after the fact I charged up many items. I found out by high interest payments, so I called USAA and asked why am I receiving high interest and they told me the terms on the card was for balance transfer. I told them that was not accurate at all, and they need to pull their call and see that I they gave me 3 different cards to choose from and I specifically requested the purchases intro apr. I filed a complaint with USAA and closed out my credit card XXXX XXXX. This was complete predatory lending on their part. I had a follow up call from the office that works with the XXXX office of USAA and they told me sorry but that's the terms, I informed then that was not what I agreed to or I never would have gotten that card. I told them to pull the call, that it was recorded, The representative from USAA said that unfortunately they didn't record the call. I am furious they lied to me and they did record the call, back when I applied for the card the woman told me it was being recorded. This is unsatisfactory business with USAA, I am appalled with their predatory lending practices. I had to transfer my balance onto another card about 75 % of the balance I still owe them about {$4500.00} originally it was {$15000.00}. I am paying 19 % on apr when it should have been XXXX. I want action taken, I am a XXXX  XXXX XXXX, and they can not due his to their target group of veterans which is the majority of their customers and treat us with their predatory lending. I will not be doing business with this company and I am ashamed that they would treat their customer base this way. Please follow though on this and make them do what is right they will not do anything about it. I informed them I would be filing a complaint with Consume Finance Protection Bureau!
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 XXXXXXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX XXXX 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, credit repair services, or other personal consumer reports

Reviewed my credit report and noticed my student loans are not reporting correctly for 2020 and my loans are deferred at the moment but its showing my loan payments are late and its affecting my credit score and holding up the process of me purchasing a home. 

account # : US DEPT OF EDUCATION # XXXX