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

The debt collector in question has been involved in prohibited practices outlined by the FDCPA, which include abusive, deceptive, and unfair actions. They provided information about an account that I never agreed upon or signed any agreement for. A legal contract requires the participation of both parties, but I was not involved whatsoever. Furthermore, they failed to adhere to the proper five-step validation procedure, which constitutes unfair practices. As stated by the FDCPA, I am entitled to compensation of XXXX  per violation, and it is evident that my rights have been violated by their actions.
Product: Bank account or service

XXXX XXXX, 2016 US Bank XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Dear Sir, You are threatening me with being blacklisted with XXXX. This will prevent me from obtaining a bank account with 80 % to 90 % of the banks in the United States for 7 years which will be further victimization of me by US Bank. I will be XXXX XXXX XXXX before I can obtain a bank account. You do this to me for circumstances beyond my control! 

US Bank told me online that {$5000.00} was available so I withdrew it. I had no prior knowledge that the check was no good. This looks like entrapment. Bait and switch! 

I have talked to the Fraud XXXX at XXXX and the XXXX XXXX XXXX at XXXX and they will not listen to a thing I have to say. They just emphasize and re-emphasize the fact that my account is closed and " It will not be reopened ''! " This decision is final and I will cut you off if you keep talking ''! 

The bank has no sympathy, empathy, compassion, or mercy in this case. It is the XXXX XXXX " Guilty until proven innocent ''. Only there is no innocent in this case only guilt! Fraud means intent to deceive using false pretenses. Well show me my false pretenses please? Fraud is a felony depending on the amount of the funds involved I do believe. It is my understanding that intent has to be proven. Where is the intent in this case? Why is the bank so abruptly cold, hard, harsh, and draconian? It is as if I was trying to rob the bank by design. Is this how you treat all of your customers when activities beyond their control take place? I am being treated like a criminal through no fault of my own. Now my VA pension deposits will not be in my hands until the end of XXXX, if not later, because you have frozen my account and I can not have access to these funds which are Federal Property until they are in my hands. Granted you will take out sufficient funds to pay the overdraft this is a given. Why am I being criminalized by the bank for the actions of another? I am a poor XXXX XXXX XXXX with a leg missing and living on a fixed income. This action on the part of the bank is shocking to say the least. The US Bank is telling me I have no recourse. Perhaps I should post this on XXXX and call the local TV stations? I was victimized by the depositor and now I am further victimized by the bank. I did not sign up for this treatment. I have acted in good faith ; the depositor did not, for an unknown reason. Now the US Bank is acting in bad faith!
Product: Bank account or service

The USAA Federal Savings Bank stopped providing me with a " completed payment '' list on accounts processed through their USAA web billpay service displayed under the " Recent Payment Activity '' window. All pending payments, including the non-USAA accounts are listed, but the completed payments lists only the USAA accounts. The non-USAA accounts are not listed. The USAA web billpay service deducts payments from my USAA checking account. The failure to list all completed payments does not allow me to track all of my checking account expenditures accurately. This problem has persisted for over two months. I have made several phone calls to USAA to correct this problem. I have spent inordinate amounts of time waiting on the phone to talk with representatives only to receive trouble tickets that go unresolved or are ignored. I have not received any follow-up phone calls, emails or letters from USAA representatives regarding this issue. Trouble tickets issued : # XXXX, # XXXX, # XXXX, # XXXX ... From XXXX/XXXX/2015 through XXXX/XXXX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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

Since XX/XX/2020 I have been in a constant resistance from the credit bureaus and collection agencies involving none responses from disputes stemming from myself who has been a victim of identity fraud. FTC report # XXXX and report # XXXX included specific, detailed, information regarding fraudulent related accounts appearing on my credit report. I have not received any correspondence in regards to claim and it has been well over 30 days. There are several fraud related collection accounts ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX  XXXX, Credit Management Lp ) that are appearing randomly on my credit report without me have receiving any INITIAL 5 DAY NOTICE of a collector obtaining a debt. These accounts were not listed on my credit report in XXXX of 2020 and but yet are appearing on my report to this day. In addition XXXX, XXXX, and XXXX  has not removed the FRAUDULENT ADDRESSES from my credit file as per requested either which is a deliberate refusal to honor a consumers request. are some of the accounts that were opened due to identity fraud that still remain on my credit file. Under the Fair Debt Collection Practice Act ( 1692g ( a ), Fair Credit Reporting Act and Fair and Accurate Credit Transactions Act per sections 605b, 609, 611, & 623 my rights have been violated. I am familiar with the law due to my own research so accusing me of using a credit repair company is unjust and won't hold up in court. Your data furnisher or metro 2 verification system only uses general information in formats of codes ( name, social, date of birth, address ) meaning any individual with access to that information would be able to pretend that they are me and easily commit identity fraud. Since XXXX, XXXX, and XXXX  has all violated my rights and I have specific proof, I've given them the opportunity to remove these accounts or my information will be forwarded to a consumer attorney for legal proceedings.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX  Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear XXXX  Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX  XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX  XXXX XXXX XXXX XXXX Reported : {$910.00} Date Opened : XX/XX/XXXX Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXX Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies. 
Request for Action : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : Proof of the original debt, including any contracts or agreements signed by me. 
A detailed payment history showing how the balance was calculated. 
Any communication records showing my acknowledgment of the debt. 
Legal Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements may result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within 30 days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is a double entry on transunion credit report, however they both contain different opening dates, account status, payment status etc, disputed with transunion whom determined they are reporting accurate/ verified information although its the same account listed twice but containing different information
Product: Mortgage

During my divorce my husband did not follow through with signing a quit deed for our marital home. we went to mediation with the courts and mortgage company where he agreed to sign it. He was given a date to sign by or our house would go up for auction. The house did not sell at auction however they listed the house and it sold. Since that time we have never received any calls or written correspondence for the home regarding the amount it sold for versus the amount we owed. I called Selene Finance to obtain information several times with no return calls. I recently filled out an application for a home loan and when they pulled my credit report there is a Selene Finance for XXXX on it. I have tried calling several times to resolve issue, obtain more information - i have been told the account is closed and they can not provide any information. I have asked to speak to a manager and am told to email them and i would receive a call. I emailed them on XX/XX/2020 requesting assistance. I called their customer service number one more time and the gentleman who assisted me also told me that he does not believe the charge is within Selene anymore as account has been closed, not sure anyone will be able to assist and i can leave an email and i may receive a call from it possibly. When they purchased our loan we had trouble t=with them from the start reporting late payments when indeed we paid and they had cashed the check, counting payments late although they were paid on time. We had the hardest time of getting a hold of anyone within the company at that time as well. 
Could you assist me in trying to obtain information on this derogatory mark on my credit score that is holding me back from purchasing a home. I would like to resolve the matter. thank you. 
XXXX XXXX
Product: Checking or savings account

On XX/XX/year>, around XXXX pm | noticed an email from XXXX saying there closed my account because I violated Deposit Account Agreement, so I called them to see what's happening and they said to send supporting documents to verify me in last XXXX min I got a email saying there can't refund my money back. I have about XXXX in my account. I just want my money back please thank you
Product: Bank account or service

Checks that were ordered from my new checking account at Citizens Bank were stolen in transit on XXXX/XXXX/16. XXXX checks were fraudulently written between XXXX creating a - {$2300.00} overdraft in the account. I called the bank immediately upon hearing about the overdraft and filed a police report. I signed and sent affidavits regarding all the stolen checks. Due to miscommunication, oversight, and other errors by the bank, there continues to be a - {$610.00} overdraft in the account and the account is now 'charged out ' even though there is a fraud claim still pending. At XXXX point, the bank mistakenly sent out a 'Fraud Suspicion ' report to XXXX and almost had my current checking account closed. It is now 75 days since I first reported the incident, 49 days since I faxed the first affidavit and 38 days since the last affidavit was sent to the fraud claims department. Very little explanation was given as to the process of filing these claims and how long they would take. Customer service supervisors at Citizens Bank are not returning phone calls. There is little if no communication between the customer service department and the fraud claims department. No one at Citizens Bank can give any time frame as to when the funds in my account will be restored.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>XXXX  an inquiry was made to my credit report from a bank for Elan Fin Svcs XXXX. I DID NOTdo this at all and would like this matter resolved off my report please.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are incorrectly reporting a charged off account where I am shown as an Authorized User on XXXX partial account number ****XXXX-XXXX. ( Please see page 7 of the attached credit report. ) I have already called XXXX XXXX XXXX  and let them know that I never gave permission to be added as an Authorized User to this account. This tradeline has been removed from XXXX  however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Info Svcs LLC XXXX. XXXX XXXX XXXX, GA XXXX The following is the result of ID THEFT and was once blocked and removed. These items need to be removed and blocked AGAIN due to them begin fraud!!!! I did not open these accounts and have sent in supporting documents several times!!!!. 

1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX   XXXX 3. XXXX Reported : XX/XX/XXXX 4. XXXX XXXX XXXX Reported : XX/XX/XXXX 5. XXXX XXXX XXXX XXXX   Reported : XX/XX/XXXX 6. XXXX XXXX XXXX Reported : XX/XX/XXXX 7. XXXX XXXX XXXX Reported : XX/XX/XXXX 8. XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX THANK YOU FOR YOUR COOPERATION IN THIS MATTER ///SINCERLERY//// XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Equifax I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CELTIC/CONT Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting KOHLS/CAPONE Account Number : XXXX Delete this account. 

5. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS FST PREMIER Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Delete this account. 

9. there is some inaccurate information reporting XXXX Account XXXX : XXXX Delete this account. 

10. there is some inaccurate information reporting XXXX  XXXX  XXXX  Account Number : XXXX Delete this account. 

11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS Account Number : XXXX Please remove it from my credit report. 



15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ONEMAIN Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I have been disputing these three accounts with XXXX XXXX  for at least 3 years now in regards to an unfamiliar account with XXXX and XXXX. Unfortunately, due to the fact that these accounts are unknown to me, I can only give you the details that I have received through the credit bureaus and just once correspondence received from this creditor. 

So for starters, XXXX XXXX has been reporting a frivolous and unverifiable account on MY credit report, that is ( 1 ) under someone elses first name but my last name, and ( 2 ) without any verification documents to substantiate the data its reporting. 
Ive requested on multiple occasions, a copy of the contract/agreement bearing my signature as required by law to initiate this alleged debt. Ive also requested a full accounting of the alleged debt and any other intimate information that they must have in regards to my alleged obligation to it ( ie, a copy of the identity verification they must have obtained in accordance with the US Patriot Act ).  However, they have refused to provide this information or even to respond at all ( except once ). 

I am attaching a copy of the most recent letters, certified return receipts, and proof of delivery to this complaint. I am tired of going back & forth with this company only to have them continue to violate my rights. Theyre not only damaging my credit report but theyre also causing me a host of unnecessary wasted time AND stress. Im at my wits end and I seriously need some help. So PLEEEEASE help! 

If theres anything else that I can provide to you at this time, please do not hesitate to contact me. Thank you and have a great day!
Product: Payday loan, title loan, or personal loan

I was reading that payday loans can't charge more tan XXXX  % on a loan in XXXX  XXXX, but I was charged XXXX  % XXXX on a loan and received more than XXXX. I want to know if it's legal to charge so much interest. On a XXXX loan I paid back close to XXXX or more within 3 months. I go to try and find my loan documents, they aren't available.
Product: Credit card

I received a credit card that I did not apply for from Discover. When I contacted the company my experience was very suspicious. When I Gave the woman my SS number on the phone there was complete silence for several seconds when I asked are you still there? She acted surprised and asked me again for my SS number. I gave it again and she asked another time for it as if it did n't match her records. After several minutes of conversation and verifying my info she asked a fifth time for my SS number. At that point I got terse with her and said " You have asked for my SS number 5 times, what is going on here? '' I then asked her for my SS number and she gave it to me. I then asked for all information she had on me. This included a fictitious email address and a long past phone number of mine. When I checked my credit the following day I had no indication of identity theft and not even an inquiry into my credit from Discover. I do n't know what is going on here but It seems that Discover may have purposely issued this card as an aggressive and illegal sales effort or perhaps issued it wrongly without verifying my information. I believe this needs to be investigated by the U.S. authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Robinhood took {$2300.00} from my checking account. I have been unable to get my money back. Which made my account go into the negative. The bank closed my account and now has filed with the county to get the negative amount from me. Which its not my fault its robinhood.
Product: Mortgage

Mortgage company, Caliber Home Loans, is not interested in helping me keep my home which has been my primary residence for 23 years. They have offered {$13000.00} relocation assistance if I did a short sale. I agreed. They would not accept any reasonable offers and in fact would only accept $ XXXX after ordering two appraisals of my property and disregarding the lower appraisal even though this amount is more than my loan balance by almost $ XXXX. While a short sale contract was pending, Caliber offered {$13000.00} relocation assistance if I would sign a deed in lieu. After short sale file was closed on XX/XX/XXXX, I called to accept deed in lieu offer on XX/XX/XXXX and continued to call for several weeks. On XX/XX/XXXX, Caliber called but only to tell me that my home was now in foreclosure with a sale date of XX/XX/XXXX and I had no other options since foreclosure status placed on my account on XX/XX/XXXX. My attempts to negotiate any solution other than foreclosure have been ignored. I called XXXX at Caliber on XX/XX/XXXX in an attempt to apply for a loan modification and was told by her that the only thing I qualified for was the foreclosure and she refused to send me an application for a loan modification. I was never offered reinstatement options or given an amount to satisfy the loan or bring the loan current. In fact, I have never received written notification that the short sale was denied or given a timeframe to seek other solutions prior to foreclosure sale date. After talking to XXXX at Caliber, I researched my deed records and discovered discrepancies in the assignment transfers on my original Security Deed. It appears that Caliber nor its investor has the right to foreclose on my home due to the original loan documents being unavailable as the original lender went out of business. The Uniform Closing Dataset was not accurate due to the original loan documents being no longer available to properly record any subsequent assignments. See attached Affidavit of Assignment. Caliber filed an Assignment of Mortgage Security Deed on XX/XX/XXXX but called it a " Corrective '' assignment indicating that a prior assignment was properly filed and recorded. See attached Corrective Assignment of Mortgage/Security Deed. This was obviously filed in an attempt to be able to foreclose on my property.