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

I have reached out to the XXXX XXXX XXXX XXXX on XX/XX/2018 to  arrange the payment I owed them for the apartment complexes. I paid them full amount, I spoke to the manager on that location on XX/XX/2018 to be able to send me a deletion letter meanwhile it was taken off my credit. She told me to call the National Credit systems to get that form. I called them and they only sent me a settlement letter, I asked for the deletion letter and they said they wouldnt do it for me after I told them that the XXXX XXXX   XXXX XXXX apartments manager told me that they would be able to send it to me they still refused to do so after they agreed to.
Product: Credit reporting or other personal consumer reports

XX/XX/year> as Final Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX RE : USAA Federal Saving Bank XXXX, {$98000.00} Charged off ( C/O ) Dear Sir or Madam : I am a federal victim of heavy fraud and identity theft. I recently obtained several documentations from the U.S. law enforcement agencies since last year I did not know where to get all of this. Since I have an assigned FBI Victim Specialist to me due to my on-going case with the XXXX XXXX Department of Justice XXXX DOJ ), I had been provided with resources to gather those credible documents to submit to your bank. The information listed below, which appears on my credit report, does not relate to any transaction that I should be responsible of at all. It is the result of both heavy fraud and identity theft due to fraud. 
USAA Federal Saving Bank XXXX, {$98000.00} Charged off ( C/O ) I request that USAA Federal Savings Bank absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent item related to your company that is the result of identity theft and heavy fraud. Also enclosed is a copy of the XXXX Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC, Local Police Report, FBI Official Victim Letter ) Copy of Credit Report CFPBs Notice to Furnishers of Information [ PDF ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my credit ran by a mortgage lender and an account EQUIANT FINANCIAL SVCS is reporting with XXXX. I had already reached out to this company letting them know this is NOT my account, i filed a police report ( attached ), I reached out directly to XXXX and let them know that the account is not mine and that there was someone else 's name on my report 'XXXX  XXXX XXXX. I also went to the Social Security Office and let them know to flag my account/ SSN. I have done my due diligence and this negative account is still reporting and negatively impacting my ability to purchase a home. This account is showing as a 'foreclosure ' status.
Product: Credit reporting or other personal consumer reports

Please see the attached affidavit and dispute letter, which is dated, and time stamped. I have also sent an email letter directly to XXXX XXXX XXXX at both XXXX, and XXXX. I am not sure why there is a late payment reporting to Experian for the months of XXXX and XX/XX/year>, but I was never late, and no other bureau has reported this. I have diligently tried to address this matter for over a year through various channels, including the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX providing documentation of the inaccuracies in reporting. Despite my efforts, the issue remains unresolved. I will attach my credit report to this CFPB complaint to show the erroneous error.
Product: Student loan

I had requested to be taken off the auto-dialing system, to which the company complied. My account is currently in collections due to financial hardship and they continuously call me during work hours and even on Sundays. I have requested multiple times to not call during the hours of XXXX - XXXX Monday through Friday and no calls on Sunday. They state they have " noted the file '' but I keep receiving calls during these requested no call times. When I address it with the worker and/or their supervisor, they 're response is always : " our system is not capable of not making calls regardless of the customers request. '' Which I find odd if I am no longer on an auto dial system, the person manually calling me should see the " notation '' that states not to call during these hours. 

When I present this ongoing issue to workers and their supervisors, their response is always as follows : " Sir, you have stated you can not talk during these hours yet you pick up to the phone to tell us that you can not talk. In this amount of time we could have resolved your issue. '' I explain to them that I am at work and can not discuss my account during these hours and they continuously harass me stating that I am clearly able to discuss my account if I have the time to call and complain. 

They seem to be violating my requests to not call during certain times and I am suspicious as to if my request for being removed from the auto dialing system has even been completed. 

Navient employees are quick to say that my account is past due and I need to pay a certain amount to bring it current, yet whenever I look at my account online, there are different amounts listed as to what would be needed to bring it current. This is misleading information. I have never been able to have Navient confirm what exact amount is owed or when my billing cycle generates. An employee on XX/XX/2017 informed me I could make a payment of {$100.00} to bring my account current, yet today on XX/XX/2017 the employee stated I needed to pay {$130.00} This is becoming a headache and seems very unethical in their collection practices. I am constantly being presented with rude workers who do not want to help resolve the issue, instead want to harass. I have asked " supervisors '' multiple times to review the recorded phone calls to see how their employees treat customers and they state they will, but I doubt they ever do. If they were to listen to my phone calls, they would see how the employees are not there to help but to ridicule and demean those who may not be able to pay at this time.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XX/XX/year> Subject : Dispute of Fraudulent Account - Account # : XXXX Dear CFPB, I am writing to formally dispute the fraudulent entry on my credit report related to the account listed as XXXX  XXXX ( original creditor : XXXX XXXX XXXX XXXX  ) with account number XXXX. 
This account is not mine, and I believe it has been reported in error or is a result of identity theft. I request an immediate investigation into this matter. Enclosed are copies of relevant documents to support my claim, including FTC report Please take the necessary steps to remove this fraudulent entry from my credit report and confirm in writing that it has been resolved. 
Thank you for your prompt attention to this issue. I look forward to your response.
Product: Checking or savings account

There was 2 transactions of {$1800.00} taken from my account. I have never done business with this particular money. This was clearly fraud. I canceled the card and filed a claim in which I was denied.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX Balance Owed : {$3.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I've never been in XXXX  Texas! An address is in my report and I don't know what it is. And money was sent out by the irs to s bank account and I have no clue what or where it is and that is not my account! XXXX dollars to someone that was not me!!! '
Product: Credit reporting or other personal consumer reports

My formal complaints are against Bank of America and XXXX. 


In XX/XX/XXXX, I left an XXXX  marriage. We had first been together in XXXX and married in XXXX. 
A large part of the abuse was financial, as he took control of all financial accounts and limited my access to funds and knowledge of the statuses. 

When leaving the marriage with my XXXX XXXX  children, I was ecstatic to be able to go and open my bank account at my previous banker- Bank of America. ( XX/XX/XXXX ) However, when I went to do so, I learned of an outstanding balance. Despite limited funds, I resolved the balance with the understanding that this would allow me to open an account. 

However, it did not because my account had been flagged for fraud. 
It was at that point, I was told it would take 90 days for it to be removed from XXXX, but that also was not true. 

Over the past 4 and a half years I have submitted multiple disputes with XXXX for the flag preventing me from opening an account be removed. 

XX/XX/XXXX & XXXX of XXXX, it has been disputed again. 

This does not include or limit the amount of phone calls I have made to both chexsytems and Bank of America. 

Being bounced from Risk & Fraud to Collections to multiple drop calls. 

The dates of when it would be removed have varied from 90days, 2years, the new year of XXXX and now as of XX/XX/XXXX. 

XXXX insists they need a letter from Bank of America stating it can be removed. 
Band of America insists they can do nothing. 

Both financial institutions have apologized for the " inconvenience '' by the customer service team and supervisors. 

XXXX was another account in which I was notified of, paid and were happy to send a letter to XXXX stating it should be removed. 

In these disputes I have provided proof of payment, proof of the divorce decree and evidence of the financial abuse as well as a police report. 

The act of keeping this marked as a fraud, the refusal to acknowledge despite a continuing act of financial abuse from the financial reporting institution XXXX and Bank of America.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit card or prepaid card

Good Morning : My name is XXXX XXXX. On XX/XX/2020 I went into my Chase Amazon Prime Credit Card account to set up payment arrangements due to me falling ill and being in treatment for over 3 months. As this caused a serious financial strain on me and I was awaiting my XXXX XXXX XXXX benefits when the account was closed on me and I had not received any notice of this action. Upon accepting the payment plan options offered on their website, I had agreed to the payment plan they suggested via their website in the amount of {$100.00} dollars for the next three months.The first of these payments was made on XX/XX/2020. Please see attached screen shots of this agreement. Then on the morning of XX/XX/XXXX we had an automatic payment transaction in the amount of {$1800.00} taken from our XXXX  checking account from Chase bank. 

I called my bank XXXX  to place a stop request and they said all they could do was put an alert and file a complaint on my behalf and they recommended that I call Chase. 

As per what my bank XXXX  recommended ; I called Chase and asked them why they did a full balance automatic payment when I had entered into a payment plan with them earlier in the month. Chase answered me by transferring me to a supervisor. The Supervisor said that because my Acct had been closed that I would have to wait till transaction cleared and call back on XX/XX/XXXX. I asked again then what about my payment plan of {$100.00}? Chase 's reply was that they could call my bank but due to the current pandemic situation they could not do that right now. They also said that my automatic payment was ON and selected as PAY BALANCE IN FULL and even though I had entered into a payment arrangement thats why it happened. 

Please see the included pictures and I ask that someone assist me with this. Iam now seriously negative in my bank account, incurring fees and all my other payments will either be paid and also incur bank fees and Chase was the culprit. 

I have no money, no way to buy anything in this horrible sitution we are all living in right now. 

My Chase Credit Card account is/was : XXXX XXXX XXXX XXXX exp : XX/XX/XXXX I finally request for your prompt assistance in this horrible financial situation. 

Thank you for your efforts in advance.
Product: Checking or savings account

On XX/XX/year>, I received a call from an individual posing as a USAA fraud agent. This person, calling from what appeared to be USAAs phone number, already had my personal information, including my name, address, debit card details, and recent transaction history. This individual informed me of supposed fraudulent claims on my account and, to " resolve '' the issue, accessed my parents old XXXX account and transferred {$5000.00} into my USAA account, which I could see immediately. Under his direction, I transferred funds to my XXXX XXXX account, believing I was securing my account. 

Unbeknownst to me, the {$5000.00} was flagged and held by USAA, and although this amount appeared in my account, these funds were not actually available. At this impersonators direction, I ultimately transferred {$4000.00} from my XXXX XXXX account to an external account he specified in two different payments of {$2500.00} and {$1500.00}. After the fraudulent transfer, I discovered that the impersonator also moved {$2500.00} from my parents USAA account into my account USAA account as I had insufficient funds to complete the impersonators transfers. Less than three hours later, I realized I had fallen victim to an individual who posed as a USAA fraud agent, resulting in a loss of {$4000.00}.

For over eight years, USAA has been a trusted financial partner for me and my family, honoring my grandfathers XXXX  in XXXX. I have consistently received exceptional service, which is why this situation has greatly disappointed me. Due to this scam, my account is now overdrawn by nearly {$1500.00}, putting me in a precarious financial position as a XXXXXXXX XXXX XXXX at the XXXX XXXX XXXX XXXX living on student loans and facing imminent graduation and marriage ( XX/XX/year> ). I have no way to pay this balance, and at the moment, I am unsure how I will pay for tuition next year or provide for my soon to be wife.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent multiple attempts to Experian, XXXX and XXXX disputing incorrect names and addresses
Product: Debt collection

I asked if I could get a payment plan because this debt was for reletting my apartment to another person and the debt company said no I could not have a payment plan and needed to pay the entire fee so I re called the apartment complex wondering how debt collectors work and was told they do and can help with payment plans so I decided to answer the debt collectors call because they have called a lot and I did ask for a payment plan a lady told me I was eligible for a 3 months payment plan of I belive XXXX $ since I allegedly owe XXXX $ so she told me to call back Friday to set that plan up I call back Friday and another lady told me she would go back and listen to the recorded tape ( which I highly doubt she did or can ) and told me NO I can not get a payment plan and needed to pay them by XXXX that day or my account would be sent to credit bureau since it was the XXXX of the month. This company has been saying they sent me letters of course to the wrong address and i updated the address so they can send me something with proof to keep I have not gotten ONE letter from them yet its been very unprofessional very confusing and stressful is a understatement. I told them many times I was on unemployment at the time now no longer and Im looking for work they do not care so I feel lied to and mislead. They have stopped calling me after I called them out on the lie that was told as well.
Product: Debt collection

I have no knowledge of this account. I believe my identity has been stolen and information has been used to obtain a loan with XXXX XXXX. Company name : XXXX XXXX Amount : {$750.00} Date : XX/XX/2021 Account # : XXXX Reference # : XXXX I reached out to XXXX XXXX and they gave me the information to a third-party debt collector. I obtained all information from National Credit Adjusters ( NCA ) about the account.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 
I told XXXX and XXXX and equifax to delete this old XXXX XXXX account because, I have no recollection of ever having this account, and they did but it is still partially on my consumer report under Equifax. Now by law it is the credit reporting obligation to have all my information 100 % correct if not that can result in a violation. 

According to the U.S.C 1681i ( 5 ) they are supposed to modify accounts that isn't reported correctly. 

also 15 U.S.C 1681 section 602 A states I have the right to privacy.

15U.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 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.

I will show the evidence of 30 violations created by equifax!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act convergent account number XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have a right to privacy and 15 U.S.C 1604 A section 2 it also states a consumer reporting agency can not furnish a account without my written instructions.

XXXX XXXX XXXX  {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I INCLUDED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL SECURITY CARD TO THIS COMPLIANT... 


The following accounts are fraudulent : 1. XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Please remove it from my credit report. 



PLEASE SEE ATTACHED ALL NECESSARY DOCUMENTS
Product: Mortgage

Wells Fargo used my escrow account to pay my neighbors property taxes for 2017. My neighbors property is larger than mine causing my escrow payment to increase unexpectedly. Once I discovered that my property taxes were not being paid months were spent trying to get an answer from wells Fargo, and was constantly told that they were paid and they could do nothing about it. After discovering and informing wells Fargo that they were paying my neighbors taxes with my money no progress was made unless I called in weekly. I was not reimbursed the full amount I overpaid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to positively verify the account, and has hurt my ability to obtain credit. XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX were never paid late. Under the FCRA, unverifiable accounts must be removed..CFPB remove the accounts listed
Product: Payday loan, title loan, or personal loan

Received an email regarding Adverse Action from Lending USA regarding a debt consolidation loan application that I did not submit. When contacting Lending USA to report potential ID theft or fraud, non-English speaking representatives would do nothing but refer me to the FTC. They also admitted that they did not have a Security Compliance Officer as required by law. They promised a call back by a " supervisor '' in 10-20 minutes which did not occur. They also refused to remove my personal information from their database for " 480 days. ''
Product: Mortgage

Ditech collected an additional month of PMI insurance after my loan was paid off. 
Statements show : PMI Disbursement for XXXX, XXXX 2016. Payoff amount included XXXX and XXXX 2016. The loan was paid off XXXX XXXX, 2016. Escrow disbursement after payoff did not include the additional PMI they collected. 
I called Ditech twice regarding this issue, they hung up on me once and the second time told me to request an account review in writing or they would n't address their mistake.