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

I opened a checking account with USAA Bank a few years ago but XX/XX/2015 I had my Veterans Pension directly deposited to my account. I had a checking and credit card account. The credit card account was secured with XXXX deposit from me. My checking account was used to cover my credit card account in case of overdraft. One day last year I had to contact the bank to have them take the XXXX dollar security for the secured mastercard out of my account and deposit it into my checking account but upon hearing the statement that the funds would not be available the same day, I told the phone representative that I did not want to proceed because that was the last question he asked before he would have made it final. So the transaction was not suppose to go through. Eventually it did and caused my checking account to go negative for the XXXX dollar amount and that affected my account due to other financial transactions that was scheduled to be debited. It caused my checking account to be accessed overdraft fees by USAA Bank for the transactions that was pending, etc. I contacted USAA on several ocassions by phone to have the situation remedied but only got some of the money credited but still had over XXXX XXXX dollars owing for a mistake they made. Now my account was closed and my credit card XXXX dollars security deposit was lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX XXXX and I am writing to THE CREDIT BUREAUS. On this date, XXXX I have found out that I am a VICTIM OF IDENTITY THEFT and I never made the change because I was not aware until I looked into my credit report. Unfourtountly, somebody had taken my personal belongings such as my ID and social security card and began to open accounts under my name pretending to be me. Therefore, I am asking that the changes be made as soon as possible. In addition, XXXX, EQUIFAX, AND XXXX are now responsible for furnishing my NON-PUBLIC INFORMATION and sharing it with multiple collection companies and it is now affecting my credit report. According to the fair credit trade act the consumer has the right to privacy and this is a DIRECT VIOLATION OF THE GRAMM LEACH BLILEY ACT OF XXXX I am sending out this letter to have the following information deleted from my credit report AS SOON AS YOU RECEIVE IT AND SEND ME BACK A SIGNED COPY SAYING YOU RECEIVED IT. UNDERNEATH IS A LIST OF ALL OF THE COLLECTION ACCOUNTS THAT NEED TO BE DELETED AS SOON AS RECEIVED. THANK YOU!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  XXXX Reference # XXXX has violated my rights. 
15 US C 1681 Section 602 A states I have a right to privacy.

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Danco staying I owe almost {$5000.00} and also have a repo on my credit which is not suppose to be there
Product: Debt collection

On XX/XX/XXXX I closed escrow on my property ( XXXX XXXX XXXX, XXXX, Az. ). The prior owner was in foreclosure, however funds from the sale of he property satisfying his outstanding principal balance were wired to his mortgage company ( Lakeview Loan Servicing ). 

Lakeview failed to advise the local trustee that the debt was satisfied, and the trustee subsequently executed a trustees sale. This act of foreclosure was taken against me even though I did not and had not owed a debt on the property that had defaulted. 

In XXXX of XXXX I was served with eviction orders by the third party who purchased MY property at trustees sale for about $ 170k. I was forced to engage counsel and defend my right to occupy the property I had purchased fair and square. At that time, I was forced to file a prior CFPB  complaint in order to get someone from Lakeview to respond to my many inquiries. A compliance manager from Lakeview reached out to me, and for a short time it seemed like the mortgage company would be working to resolve an obvious error on their part. 

Fast forwarding to XXXX of XXXX, I am still in danger of being evicted from a property I purchased fairly because Lakeview Loan Servicing has been and continues to be incapable of giving the matter any reasonable attention. 

All I want is for Lakeview to PAY ATTENTION to my issue. I want them to work with the third party who purchased the property at the improperly executed foreclosure sale in XXXX, and get my name and my family out of the way of eviction proceedings. Ive been treated indifferently at best, and would say that Lakeviews negligent and inappropriate handling of my situation is the exact reason a body like the CFPB exists.
Product: Debt collection

Synchrony Bank has continued to harass me about an alleged debt which they have failed to prove is mines nor did they present valid information for me to validate the debt pursuant to title 15 USC 1692g. I have made sent numerous correspondence to Synchrony Bank attempting to get the information required on their part to prove my obligation to the alleged debt. Synchrony Bank has written this alleged debt off as a lost of profit and is now report it as such on my credit report. But Synchrony Bank has now gone even further and is now attempting to get payment for this same alleged debt account which they failed to validate and wrote off as a lost by way of the small claims court system.
Product: Mortgage

Misapplied funds. 
On Chase statement date:XX/XX/XXXX under Payment XXXX XXXX it reflects that the total amount due is XXXX, I called Chase for explanation, initially the representative stated that owe them XXXX and asked that i send extra payment to get caught up. 
Couple months ago, Chase with your help got my account straightened out and up to date. I need your help to look into this matter AGAIN. This is very aggravating when I am making all my payments on time. I have my bank statements reflecting all debits. I went back till XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent my XXXX payment last week. My bank and I have records of all my payments. I can provide bank statements if you so desire. Please explain how I owe XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove this fraudulent accounts in my file ASAP : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX XXXXXXXX XXXX XXXX Creditor : NJ XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$120.00}, XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and
Product: Credit reporting or other personal consumer reports

I am writing to update/correct my personal information. 
Please update my name to : XXXX XXXX XXXX XXXX Please update my address to : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Florida, XXXX My only Social Security Number is : XXXX My only and correct Date of Birth is:XXXX I do not wish to have any telephone number on my report. 
Please remove all the other addresses on my report, as they are not deliverable to me by the U.S Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit-worthy people by reporting erroneous false information. I did exactly as the FCRA required me to do and first contacted Equifax about the horrible mistake. They sent me a letter stating that they verified the information. PISH POSH I say. I dont consider sending some computer-generated generic letter verification. Additionally, I contacted the furnishers one by one and they agreed to CORRECT the misleading information in my file. Please update and repair all the late payment accounts below : XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently made an account for my US Bank reliacard and going through it I realized I had some unusual charges I never recognize a lot of them One was in Georgia XXXX  payment XXXX ga. {$190.00} XX/XX/2020 Next XXXX in XXXX Arkansas XXXX {$160.00} on XX/XX/2020 Theres a ton from this XXXX I have been trying all day and night and they keep you on hold and hang up
Product: Credit card or prepaid card

I was an authorized user on a XXXX XXXX Credit card. I was removed on said credit on XX/XX/XXXX and requested that this credit card be deleted from my credit profile immediately. XXXX   provided me with a letter that was sent to and I personally uploaded to all three credit bureaus dated XX/XX/XXXX, indicating that I was removed as Authorized user. XXXX and Equifax stilled refused to remove account from my credit profile. I reached out to XXXX  again asking that another letter be sent on my behalf asking that this account be removed from credit profile immediately. XXXX sent another letter Dated XX/XX/XXXX, and further requested that this account be deleted but still XXXX and Equifax still refused to remove account. I uploaded copeies of all letters to both credit bureaus on the same days XXXX sent them out, so I was assured they received the correspondence. I then called Equifax on XX/XX/XXXX and spoke with Account Manager XXXX ( ID # XXXX   ) and he assured me the account was deleted as of XX/XX/XXXX and said I should buy the Equifax credit monitoring system to check real live updates to my credit report, which I did while on the phone with him. When I checked my credit my report on XX/XX/XXXX the XXXX XXXX account was still showing. I called back on XX/XX/XXXX and spoke with Account manager XXXX ( ID # XXXX   ) who explained that I was giving wrong information and the account is still in dispute status. I explained there is no dispute as I have copies of all correspondence and XXXX has requested several times that this account be deleted from my credit profile. Account manager became rude and stated that I would have to wait an additional 30 days for results because XXXX sent another Request that this account be deleted. I have made every good will attempt to have this account deleted from my credit profile but I continued to be told false information as well as sold products I don't need. XXXX   has also refused to removed the account based off the same reason that each time a letter is submitted to delete an account they must add an additional 30 days which I know to be untrue as I verified with account managers on with both credit bureaus that all letters act only to prove or disprove your request. I am asking that this XXXX XXXX   account be deleted immediately from XXXX and Equifax as it effecting my credit to debt ratio, and prohibiting me from closing on my first home mortgage.
Product: Credit reporting

I REQUESTED FROM EXPERIAN TO PERMANENTLY REMOVEINCORRECT DOB:XX/XX/XXXX ON MY CREDIT FILE AND INQUIRIESREPORTED BY XXXX ON XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/XXXX & XX/XX/XXXX, AS IT WAS UNAUTHORIZED INQUIRIES.
Product: Bank account or service

We transferred funds from the XXXX XXXX XXXX XXXX, XXXX, NH ( took out an IRA ) to move it over to the Peoples Bank, XXXX XXXX, XXXX. Accidentally the wrong box was checked off on the form and was not noticed by the bank staff member or by myself and instead of getting a roll-over IRA we got a CD time deposit instead ( this was done simply by a check mark in the wrong box that neither the staff member or I noticed-but has come back to haunt us ). We found out about the issue after the 60 day grace period for changes ended and now the bank refuses to try to change things and is not talking to us as well! So what we now have is a massive tax bill which we can not afford and the potential to lose our Affordable Health Care Insurance as this CD Time Deposit has become taxable income -- which it was never meant to be IT WAS MEANT TO BE A IRA ROLLOVER. We are NOW also facing massive tax bills for something that we have n't touched. Think of this in this manner : would anyone pull money out of a safe tax shelter, move it to a CD with no shelter at all, be taxed severely on it and yet not take even one cent of the money out? Not a single cent has been removed for this account, but we are now in debt for the taxes! Clearly, no sane person would do this ( no insane person would either ), i.e. moving from a tax shelter to none at all while still leaving every single cent within the account THEREBY PAYING TAXES JUST FOR THE XXXX OF IT! The ONLY reason you would transfer the funds ( as was accidentally done ) would be because you needed the money! We do n't, it was to be savings only but got changed into a nightmare by the staff member checking off the wrong box. No, I did not see the mistake, but huge tax bills and the possibility of losing our health care is an awful high price to pay for one tiny mistake. We have tried to reach out to the bank management but to no avail. Tried again today and they are not talking. We are very willing to work with them but they have drawn a hard line. What we need to have done is for the funds now locked up in the CD Time Deposit be rolled over into a IRA. Technically, we have been told to say that we want the current Code XXXX to be changed as a Code XXXX Rollover AND WE 'RE RUNNING OUT OF TIME AS TAXES ARE DUE NEXT WEEK!!!!!
Product: Credit reporting or other personal consumer reports

CRAs failed to update my report with new XXXX XXXXXXXX XXXX XXXX XXXX notified them on XX/XX/year> per my conversation with XXXX on XX/XX/year>. It's impacting my credit score and mortgage approval. Please investigate and correct this ASAP. 
On XX/XX/year> @ XXXX XXXX MST I spoke to XXXX XXXXEquifax & she said the new CO credit card is not showing up yet. 
On XX/XX/year>XXXX XXXX XXXX XXXX  I spoke to XXXX XXXX XXXX XXXX discovered today when checking my score that XXXX XXXX XXXX XXXX XXXX is not showing up on cr report. XXXX told me on XX/XX/year> that XXXX new credit card was on my report. She commited fraud & BROKE THE LAW!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent three dispute letters to all three bureaus asking them to validate my debt about an item on my credit report. XXXX sent me back a letter on XX/XX/XXXX, letting me know they want to help me ensure my report is accurate. On XX/XX/XXXX, XXXX sent me a letter stating that the investigation results would be removed. And Experian never returned anything from when I sent out the letter 30 business days ago. To my understanding, I've been told that inaccurate information on a consumer 's credit report must be removed if it is not 100 % substantiated. This affects my chance of getting my dream car and relocating to housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 : Paypal I believe in response to my demand later PayPal suspend my processing account. They also suspend the account of a few clients. Without question, they've done it again and I quite frankly don't appreciate it. This has hurt my brand, as clients are now upset with me for their accounts being closed. Earlier that day, I spoke with a rep who asked me to provide a receipt and proof of material from a supplier. However, I informed him that because Paypal was the merchant processor than the receipt would come by way of how Paypal recorded it. Also, due to the service I provided is a digital one I didn't have a material supplier. I, also, told them that they could call my customer to verify that the service was provided. In the end, Paypal still suspended all of the accounts- mine and my customer. 

All this comes with no explanation on Paypal part and it's affected my business because they've frozen {$8500.00} for six months! I have a family and bills that are due soon. I have given them my client 's info for verification and they've refused to check with those they claim they're trying to protect. 

I don't know why they've done this to me. Please help.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to property investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions XXXX also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX I experienced fraudulent activity on my personal checking account and had to close the account and open a new account. During this time, I had to contact all of my creditors and inform them of the new account information and setup auto-drafts all over again. XXXX XXXX  was one of these creditors. I did not make any changes to my auto-draft with XXXX XXXX  `` XXXX XXXX '' because it did not have a balance and no amounts were being auto-drafted at the time. Sometime in XX/XX/XXXX, XXXX XXXX  enrolled me in " paperless statements '' without my consent or permission. I have never opted into paperless statements because in past experiences, the email that I received about my new statement would end up in the " spam folder '' of my email. In XX/XX/2019 I used my XXXX XXXX XXXX for a series of purchases totaling around {$550.00}. I was under the assumption that the auto-draft was still in place and that a statement would come in the mail, but it never auto-drafted and a statement never came. Sometime in XX/XX/2019 I received a call from XXXX XXXX  informing me that my credit card account was more than 40 days past due. I immediately made a payment to clear the matter up. I then began investigating how this happened and why. I found out, after speaking with XXXX XXXX  's Executive Team that my account was enrolled in paperless statements and that my auto-draft had been cancelled by " XXXX XXXX   ''. I did not cancel the auto-draft, XXXX XXXX  cancelled it. Not only did they cancel it, but the communication that it had been cancelled was sent via email due to the paperless statements that I was incorrectly enrolled in by XXXX XXXX. XXXX informed me that I signed up for paperless statements, however I did no such thing. I informed XXXX XXXX  of this and they simply ignored it. They also ignored the fact that they cancelled the auto-draft, not me. After completing some research, I found out that XXXX XXXX  incorporates a pop-up window on their website for my credit card account. On this pop-up, you must hit the " continue '' button. Before hitting the continue button, I noticed that there is a " check box '' that is already checked before you hit continue. What this means is that XXXX XXXX is forcing consumers to agree to paperless statements, without the consumer knowing because this " check box '' is already " PRE-CHECKED ''. What this means is that the consumer must first look closely to see that the box is already checked and they must " un-check '' the box before hitting the " continue '' button. This is a major issue and will likely lead to a Large Class Action Lawsuit against XXXX XXXX. If I can not get this issue resolved with XXXX XXXX, I will be the one that initiates this Class Action Lawsuit. After bringing light of all of this to XXXX Bank, they continue to refuse to acknowledge this issue and refuse to correct my credit bureau report. I have been utilizing credit since I was XXXX years old and in my 16 years of using credit, I have never paid anything late EVER.