23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I initially called USAA to report a fraudulent wire transfer on XX/XX/XXXX after receiving a call from a fraudster posing as a USAA agent. Upon noticing the transfer and other fraudulent activity on my account, I was prompt in flagging each charge on my account. 

The bank did not open a case until XX/XX/XXXX, despite the fact that I had called on XX/XX/XXXX asking for an update on the wire transfer I had flagged. The representative I spoke to expressed surprise that her counterpart had not processed the recall request or created any case notes following my call. 

After calling on XX/XX/XXXX, I was informed that the bank had tried twice to reach the bank that received the fraudulent transfer, but did not receive any updates beyond that. 

In every case, I was the one to initiate a call asking for more information. I never received any written or verbal notice from USAA regarding developments on my case. I was initially told by a USAA representative that wire fraud investigations typically take 7-10 business days to resolve. It has been over three weeks since I flagged fraudulent activity on my account, without any progress. 

When I called USAA to follow up on the recall request on XX/XX/XXXX, I was told that the member security department would initiate a " front door review '', meaning they would contact me with an update on my case within 48 hours. 

They never did so. When I called once more on XX/XX/XXXX to follow up, the representative told me that an unsuccessful attempt at reaching me had been entered in the case notes, of which I have no record on my phone. I confirmed that USAA has my up-to-date contact details. It appears the representative misrepresented the department 's efforts to get in touch with me by trying to pass off their failure to contact me as a case of my not picking up their call. This is provably untrue. 

On XX/XX/XXXX, I called again trying to access a representative from Member Security. I was transferred to two different departments, both of which told me they could not transfer me to member security, and was given vague reasons before being transferred t the Wire Department. This despite the fact that I had previously spoken to someone in that department two days prior without issue, which the case notes should have reflected. Instead, I was told it would be " difficult '' for me to reach the member security department and that it might be best to deal with another representative in the wire department. 

Upon insisting that I speak with a supervisor, I was placed on hold for over an hour before being told that the office had closed. USAA has since told me they will contact me in the next three days with an update on my case, but it has already been almost a month and I have not received any more information beyond the initial update I received on XX/XX/XXXX. 

As a member of almost 15 years, I am done with USAA after this experience. I do not feel protected by the bank, and do not feel that the wire department has been honest with me about their efforts to recover my stolen savings.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX, due to their failure to take appropriate action on my reports of fraudulent credit inquiries linked to my Social Security Number ( SSN ) and their inadequate process of debt validation. Despite multiple requests for the removal of these inaccuracies and for proper validation of purported debts, XXXX, XXXX, nor Transunion has not fulfilled its obligations, leading to significant financial and personal distress. 

Since 2021, I have repeatedly informed XXXX of suspicious credit inquiries and contested debts on my report, providing them with evidence that these were fraudulent and not initiated by me. Despite following their recommended dispute resolution process and submitting all required documentation, my requests have been either ignored or inadequately addressed. 

Furthermore, XXXX has failed to provide : Adequate proof of the alleged debt. 
Validation of signatures purportedly authorizing these credit inquiries or debts. 
Validation of the debt itself, including any details on 1099A or 1099C forms that should accompany forgiven or unsettled debts.

In some cases, they have outright refused to readdress disputes I filed, even when contested for legitimate reasons.

The consequences of this negligence and failure to adhere to legal requirements have been far-reaching, including unjust decreases in my credit score, resulting in thousands of dollars in additional interest charges and denial of loans. This has caused significant financial harm and lost opportunities, such as capitalizing on the equity in my home.

Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), credit bureaus and debt collectors are required to conduct thorough investigations of disputed items, provide validation of debt, and ensure accuracy in reporting. XXXX failure to comply with these laws in my case represents a clear breach of their obligations. 


Thank you for your attention to this urgent matter. I trust that the CFPB will provide the necessary assistance to resolve this issue and enforce compliance with the FCRA and FDCPA, preventing similar instances of negligence affecting others. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I am a client with Navy Federal Credit Union ( NFCU ) for over a year. As of the XXXX of XXXX NFCU has frozen my business account ( acct # XXXX ) as well as my personal account ( acct # XXXX ). After a client paid my company for services rendered and for a vehicle purchase. The third party paid with a cashiers check made out to them and then signed over to my business. After the check was deposited this Navy Federal put a hold on the check for five days. Afterwards the hold was lifted the funds were made available. When the funds were disperse from the account. Navy Federal then blocked stating suspicious activity. After contacting Navy Federal, they informed me that I needed to present a letter from the third-party with their ID and three signatures. When I complied and my client provided the letter with signatures and identification. Navy Federal then informed me, that I would have to provide my identification and three signatures. After complying with Navy Federal demands, both accounts are still frozen. I encountered an issue with my account that required urgent attention. I contacted customer service and was put on hold for extended periods, which was frustrating. When I finally spoke to a representative, they were unhelpful and did not resolve my issue. It is now going on two weeks. I then visited the only branch which is a two hour drive. Where I was then informed, that I have to submit an appeal in to overturn the decision to freeze my accounts. Not only was the branch manager, vague and unhelpful. I am still in the dark with no one to turn to. Navy Federal, is not only stopping me from conducting commerce. As well as paying employees and bills to keep my business afloat. I have made several attempts to contact Navy Federals security department. Which has hold times that are well over two hours only, to speak to representatives that are unknowledgeable and unhelpful. After submitting the appeal, Navy Federal informed me that it will take approximately 15 business days or more to investigate and make a decision whether to release the remaining funds. It is to my knowledge that Navy Federal is abusing their power to take advantage of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I see that the inaccurate accounts was still reporting erroneous in my file. The Experian and XXXX credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please reinvestigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXXXXXX Balance : {$3000.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$27000.00}
Product: Debt collection

Capitol One credit card account furnished fraudulent information against my consumer credit report regarding a Canceled and/or Charged Off debt. 

IRS clearly defines canceled and/or Charge Offs as Ordinary and Gross Income which must be filed with Income tax. 

The Capitol One credit card account was canceled and/or charged off around 2017 by the Creditor as written on my consumer credit report but taxable 1099-C Form for canceled debts and charge Offs submission by the Creditor to the IRS has not been verified or proven. Unverifiable accounts must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to work with XXXX  for several months regarding two fraudulent accounts, fraudulent addresses, inquiries, and mix of SS numbers. As a victim of the XXXX  security breach and a Victim Of Identity Theft since 2004. I have sent multiple FTC Reports that validates as affidavit and police reports and XXXX refused multiple times to completely BLOCK the XXXX XXXX  Account and NelNet Both Fraudulent according to FCRA 605B completely ignoring compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, Equifax mixed my file with another person similar to mine and they refuse to fix this. 

I have a rental collection from XXXX XXXX XXXX which has been disputed over and over and comes back as verified? 

XXXX XXXX XXXX has never sent me proper validation either. I demand this account be deleted from Equifax immediately per the FCRA.
Product: Credit reporting or other personal consumer reports

FTC IDENTITY THEFT REPORT ATTACHED.

All 3 credit bureaus have not removed my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that were severely compromised by XXXX XXXX since XX/XX/2023 after my disputes and XX/XX/2023 legal size envelope with proof mailed to XXXX, Equifax XXXX XXXX. 
XXXX XXXX closed XX/XX/2023 both cards and continues to lace false billing line charges to these cards.

37 times false billing line entries is identity theft and FCRA violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file at the time the lease was executed, most likely done online like all the other accounts. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account. For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/XXXX I have attached to this dispute the police report and two letters from major financial institutions that opened and tried to open credit accounts in my name and mailed credit cards to the address of this apartment complex that this debt collector is collecting for. As you will read in the letters the banks did their own investigations and both banks agreed that identity theft took place. XXXX XXXX XXXX opened a credit card account in my name and sent the card to this apartment that the collector is collecting for. They have since removed the card from my credit profile and deleted it from their records after finding I was a victim of identity theft. The letter XXXX  XXXX XXXX sent was printed with the fraudulent address on the main page and the correct address on a page. Both pages of the XXXX  letter are attached.
Product: Checking or savings account

On XX/XX/year>, Chase Bank began holding funds in my account due to a need for verification of the makers of certain checks deposited into the account in the amount of {$11000.00}. Despite my efforts, the verification process has been only partially successful. 

Chase Bank closed the account in XX/XX/year>. 

Verification Status : Out of XXXX check makers, I successfully verified XXXX ( approximately 83 % ). 

However, XXXX check makers remain unverified for the following reasons : XXXX check maker has moved out of the United States, and I have been unable to locate them. 

The other check maker is currently in a XXXX home and unable to complete the verification process. Chase Bank has stated that they can not accept information or contact numbers outside of what is already in their system. 

Chase Banks Position : Chase has indicated that, unless all check makers are verified, the funds will not be released. 

Alternatively, they have stated that after approximately XXXX years, the unclaimed funds will be transferred to the states unclaimed property division, and I will need to reclaim them through the state. 

Efforts to Resolve the Issue : I have made significant efforts to verify the remaining XXXX check makers, including attempts to contact them through various channels. However, due to their current circumstances, these attempts have been unsuccessful. 

I have documented the verification of the other XXXX check makers and can provide this documentation upon request.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the account XXXX XXXX, which was previously reported as repaired but has once again displayed inaccurate late marks in its payment history. I am requesting the correction of the information associated with this account by the three major Credit Bureaus. Details of the account are as follows : XXXX : XXXX XXXX Balance : {$48000.00} XXXX XXXX XXXX XXXX Balance : {$48000.00} TransUnion : XXXX XXXX Balance : {$48000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

checking my credit file alot of information is unauthorized on my credit report with Experian. I am intrested to dispute all inaccurate information that is hindering my file.
Product: Mortgage

Bank of America has done everything but, review my loan for modification under the federal government 's program with correct information. I filed the modification paperwork with the bank last year. Each time I filed they found some made-up excuse to decline the modification. My last review for modification was successful and they granted me a modification however they used absolutely wrong income to process the modification. Ever since then I have tried my best for them to corrected and they are refusing to do so. The most recent excuse is that they have used my son 's ( who is a non-borrower contributor ) 100 % gross income as my household income because I did not provide them with a contribution letter. That is absolutely false. I provided to the contribution letter to them in XXXX 2016 and since then I have given them everything that they have asked for. I 'm attaching a copy of the contribution letter with this complaint. I 'm asking you to help me correct these numbers so this way to correct modification can be granted and I wo n't lose my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to ask them how to get off there list and they just hang up. Some times they vulgar when I ask them. 

XXXX, caller I'd XXXX.
Product: Money transfer, virtual currency, or money service

I am selling a XXXX  XXXX XXXX XXXX set on XXXX app. A women name XXXX XXXX contacted me saying that she will buy the XXXX XXXX XXXX for the amount of {$2900.00}. XXXX sent me a check through mail of the amount of {$2900.00} plus the fees to pay the moving company. After depositing the check and the bank gave me the green light the founds were available XXXX asked me to wire transfer {$3000.00} to a person named XXXX XXXX with a wellsfargo bank account with Routing number XXXX account # XXXX. Once the wire transfer the next day XX/XX/2024. XXXX texted me from the phone number XXXX to tell me she was cancelling the sell on me. Right away I went to my bank to try to stop the wire transfer. But the wire transfer was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in reference to my XX/XX/2023 mortgage payment to XXXX XXXX XXXX. XXXX XXXX made a direct and infallible error in reporting this loan late. I have made several attempts to request the mortgage company to immediately correct this erroneous report to the credit bureaus, in conjunction with filing disputes with the credit bureaus. Their intentional neglect to correct this error has caused my XXXX XXXX to suffer a negative XXXX XXXX pts. My family and I are experiencing emotional distress and financial hardship because of XXXX capital actions & nonaction. They have defamed my character and made it impossible for us to qualify for additional credit. We were in the beginning stages of consolidation of credit cards so we can assist in the funding of our first daughter wedding. Now we are having to borrow money from friends and family. As a XXXX veteran I would expect better treatment and consideration as we live on fixed income and have never been late in 3 years with this company. Extremely disappointed.I have the receipt and a official letter from XXXX XXXX dated XXXX XXXX admitting their error.
Product: Credit reporting or other personal consumer reports

After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXX Acct # XXXX 30 days late from XXXX, XXXX, XXXX of XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX of XXXX please update to current, XXXX  XXXX Acct # XXXX XXXX days late for XXXX XXXX days late for XXXX 90 days late for XXXX and XXXX XXXX late for XXXXXXXX XXXX XXXXXXXX, XXXX XXXX  Acct # XXXX 30 days late XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  ss Acct # XXXX 30 days late XXXX XXXX  XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry
Product: Debt or credit management

Chime financial return my direct deposit without any explanation very poor customer service every different person was giving me deferent explanation, they mentally and fanancialy abused me, left me without any money I have no money to pay rent and to buy food! I have to wait other XXXX weeks for the process to get my money back I am facing aviation becouse of Chime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove that XXXX off my Consumer Report or all action necessary will be taking. 

As a federally protected, my rights have been violated.
Product: Mortgage

Wells Fargo approved me for a mortgage in XXXX. In XXXX XXXX I could no longer work nor pay my mortgage. At that time and for a subsequent year, I kept the property up while offering to give the bank a deed in lieu of foreclosure. Over that year, I talked to no less than XXXX individuals at the bank ( never the same ones XXXX and got conflicting information. In XXXX the bank started a foreclosure action. Over all this time I had offered the bank a deed in lieu of foreclosure with the understanding that it would not seek a deficiency judgment. In XXXX the lawyer for the bank finally agreed to this proposal ( the same XXXX I offered the month XXXX ). However it still took the bank 's lawyer, court and the appointed referee more than XXXX months to have the Judgment of Foreclosure and Sale occur. It is scheduled for XXXX XXXX, XXXX, exactly XXXX years after I offered the property to the bank. 
In the meantime, I had a XXXX and after spending more than XXXX months XXXX over a XXXX year period, I am starting to get my health back. My complaints are : Why would the bank not take a deed in lieu of as soon as it became obvious that I did not have the resources to pay the mortgage ; Why did the bank not take steps to protect the property ( e.g., leave the power and heat on minimal heat settings to avoid what finally happened : frozen pipes and overwhelming mildew and black mold )? When the house finally sells, the bank will get pennies on a dollar because it failed to protect the property. 
I am XXXX years and trying to get my credit back so that I can buy a car on reasonable terms. I fault the bank and the law firms handling the foreclosure action. I get a strong sense that the bank has and had a mechanism in place to assure that it will not loose any money in the long run. That mechanism may be as simple as stating to the regulators " look at the losses we were forced to take ''. Please note, neither I or anyone else has lived in the premises for this 6 year period. In my current physical condition, I would be unable to live there.
Product: Debt collection

The representative from this company contacted multiple friends and family members repeatedly to get us to contact them in a matter of 4 days time. This was even after I contacted them the FIRST day they called. I was spoken to with very ride, aggressive, and harsh language! I asked them to stop contacting friends and family, as well as my husband and I. They then threatened calling my husband 's work and filing a judgement.