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

A USPS certified receipt mail letter was sent to TransUnion and delivered on Monday, XX/XX/2019 requesting validation of debt from XXXX XXXX. In my request for validation, I reminded TransUnion that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to TransUnion to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. As of today, XX/XX/2019, TransUnion has not provided me with verifiable proof or copies of the documents used to validate this debt. Instead, the company updated my credit report stating that the item was investigated and verified as accurate. The debt listed was not changed because TransUnion " verified '' ( with no paperwork ) that the information reported was accurate. TransUnion is reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself provided by XXXX XXXX. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
Product: Mortgage

In less than 3 hours, I have received over 25 calls from different phone numbers all from Central Mortgage company. I did not request information. They have refused to stop calling me. I have blocked all numbers that have called me. I have both denied calls and answered calls asking them to please take me off their call list.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my recent dispute to XXXX, XXXX XXXX XXXX XXXX. certified to XXXX that the information they were reporting was accurate. As a consumer reporting agency, as defined under 15 U.S. Code 1681a ( f ), assembling consumer credit information for monetary fees for the purpose of furnishing consumer reports to third parties, it is your duty to adopt reasonable procedures for meeting the needs of commerce. Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I'm aware that a consumer reporting agency needs the written instructions of I, the consumer, to furnish a consumer report.

Without written instruction this consumer reporting agency has committed fraud by using my identifying information without lawful authority to furnish this information on my consumer report. If I didn't give you written instruction to furnish your tradeline onto my consumer report, by law its identity theft. The term identity theft as described in 15 U.S. Code 1681a ( q ) and Regulation V 12 CFR 1022 3 is a fraud committed or attempted using the identifying information of another person without authority. I never gave XXXX XXXX XXXX XXXX. authority or written instruction to furnish their tradeline onto my consumer report. Please provide the written instruction that I, the consumer have gave to XXXX XXXX XXXX XXXX. which has authorized this furnished information. If you can not provide me with these written instructions by me, this has been a fraudulently made consumer report using my identifying information. l am demanding this information resulting from identity theft, be removed. I have not given any written instructions or any permissible purpose for any of the following inaccurate and unverified information to be furnished. That is a violation of 15 USC 1681b, which constitutes as aggravated identity theft in accordance with 18 U.S. Code 1028A. I have attached an FTC report due to the fraud and identity theft pursuant to 15 U.S. Code 1681a ( a ( 3 ), that has taken place. 

TRANSUNION, XXXX AND XXXX ARE ALL INVOLVED IN AN UNLAWFUL RELATIONSHIP WITH XXXX  XXXX XXXX XXXX AND I HAVE PROOF OF IT DUE TO THE FACT THAT XXXX XXXX XXXX XXXX IS A COMPANY WITH MANY JUDGEMENTS MADE AGAINST THE REGARDING VIOLATING FEDERAL LAW ( SPECIFICALLY THE FDCPA ). PLEASE REFERENCE SUPREME COURT OF FLORIDA CASE XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX IS UNLAWFULLY ACCESSING MY CONSUMER REPORT TO MAKE UNAUTHORIZED INQUIRIES AND FURNISH FALSE AND DECEPTIVE INFORMATION. THEIR FALSE INFORMATION HAS LEFT ME XXXX DUE TO GETTING DENIED FOR EMPLOYMENT, INSURANCE, AND HOUSING ( ALL OF WHICH ARE A VIOLATION OF FEDERAL LAW ). 

DUE TO THIS, I HAVE PROOF OF XXXX XXXX XXXX XXXX. PARTICIPATING IN RACKETEERING ACTS FOR THE PURPOSE OF UNJUST ENRICHMENT WHICH IS UNLAWFUL. 

I HAVE SENT SEVERAL CEASE AND DESIST NOTICES TO XXXX XXXXXXXX XXXX XXXX. HOWEVER, ALL OF WHICH HAVE BEEN IGNORED. 

ACCORDING TO 18 USC 894, COLLECTIONS OF EXTENSIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF FEDERAL LAW AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
Product: Checking or savings account

This is a complaint against Bank of America. I had set up automatic payments on this account, and I had only XXXX large payment of about {$7500.00} from XXXX credit card that was processed in error, and I had called Bank of America to block the payment since XXXX credit card representative told me they will make XXXX attempts for the payment, but bank of America refused to block the payment. I had made sure I had funds in the account sufficient to cover EVERY OTHER payment except the only large payment I had called and reported. To my dismay and shock, Bank of America used this large payment to block all other payments and bills I had set up to pay resulting is an avalanche of retuned payment fees from Utility bills to credit card payments and other loans that I had made funds available for. To make matters even worse, Bank of America sized over {$4000.00} dollars of my fund in the account for these payments and refused to release my fund for a bank to bank transfer I was making to pay my bills from another bank, without even considering the impact this will have on me, and that I will be paying retuned fee charges of {$290.00} and defaulting in payments that may affect my credit worthiness when I have my money hijacked by Bank of America. This is my worst experience ever with any bank. With other banks, when there are multiple withdrawals going above the available fund, other banks allow the smaller payments to go through first and the larger payments later, but Bank of America did the very opposite and has caused me so much pain and frustration. This no doubt is the dumbest bank in the whole of America, what a shame less banking system.
Product: Credit card

I paid a portion of my credit card bill on XXXX different Barclay 's Bank cards. The debits appeared on my bank statement today, XXXX XXXX, but there are no credits on my card statements. They say it will be posted tomorrow, the XXXX. That means I am paying interest for XXXX hours to the card company on {$12000.00} that they have already received from my bank. If they do that for thousands of customers, possibly millions of dollars, they could be over charging customers for millions over the years.
Product: Credit reporting

There is a new employment added to my credit report that I have never worked for and I had like XXXX cards open in my name sent to me that I did not apply for using that new employment. I have paid off most of those credit cards. But I want new employment taking off my credit and all the inquires from this year. Someone has used my information before that 's why when I file for taxes I have input a code. But all of these new inquires and credit cards have really lowered my credit score. I 'm currently unemployed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account # XXXX, Account # XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I noticed on XX/XX/year> that my USAA debit card was dropped from my XXXX XXXX. I contacted USAA and they told me that my account was flagged for fraud, that an investigation was pending and my account was in a credit only status. I was told that correspondence were sent to my home address, which is not my physical address at the moment. So if something was sent, I never received it. Ive been attempting to get an explanation as to what the status of my account is and why it was placed in a credit only status. An agent from USAA did contact me today with a vague explanation that my account was placed in a credits status and that my funds will be transferred to the state. I will request additional information, but she did not provide it to me. I find this ordeal to be extremely suspicious and I would like an explanation.
Product: Debt collection

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Please delete the items as soon as possible : Account Name : XXXXXXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount NumberXXXX Account Name : XXXX XXXX XXXX XXXX - When Account Was Open : XX/XX/year> Amount : XXXX Accoount XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian as currently reporting a bankruptcy on my credit report and they have listed the data furnisher as the XXXX XXXX  XXXX for XXXX XXXX XXXX XXXX Michigan, which is false. I have attached a letter from this court verifying and stating they do not report individual XXXX case filing data to credit bureaus, nor do they update information directly to the credit bureaus. I also have a letter from XXXX XXXX indicating they have investigated the matter and removed this information from my file as well. Experian falsely stating this bankruptcy on my credit report and has yet to remove it from my credit report. I need this item deleted so that I may obtain credit to purchase a home for my family. This is the only item preventing me from doing so.
Product: Credit card

I purchased item # XXXX ( MacBook pro 15.4 '' ) from EBay for {$890.00}, USPS misplaced the item ( not the seller fault ) For 9 days after filling missing item with them, I filed claim with Ebay for not receiving the item, after two weeks the item returned to seller my money {$890.00} was n't refunded to my account EBay charges a percentage from the seller for selling the item, if I did n't follow up with EBay even I filed the case, all service calls Handle XXXX, to trick USA customers Ebay forcing XXXX to lie about their name and make things up and from one rep to another their procedures and regulation are different and EBay or their service provider ( XXXX ) selling or profile credit cards, social Securty number and etc, every year I find charges on my credit card even I have the credit cards on my Wallets and after 3 weeks Ebay did n't refund due to already charged their percentage from seller, now they saying call Paypal, Paypal using Indians for their service too, we are going to refund your money within 72 hrs, if the charge was n't {$890.00} probebly I will forget to follow up, anytime I win a bit and if the price is lower than actual price, EBAY AND PAYPAL screwed me for some reason and takes weeks to get the money back, the questions are does the seller exist, is it possible EBAY and PayPal screwing people from their money they might doing it at regular bases in USA because or laws are thougher but CFPB must look to this issue maybe something going on, CFPB does n't have to believe me but you be the judge! thanks
Product: Debt collection

I hope this letter finds you well. I am writing to address a critical issue regarding fraudulent accounts on my credit report, specifically related to the following accounts XXXX XXXX XXXXXXXX and XXXX XXXX XXXXXXXX I recently discovered these accounts, which resulted from identity theft, making me a victim of fraud.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX  ) Account Number : XXXX, Account Name : XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX, and so on.
Product: Vehicle loan or lease

American Honda Finance is reporting a recent late payment on an account that was paid off and closed years ago. I was never late one time and was on auto draft. How can they update currently late when the loan is paid off!? When I call them they just transfer me around and say that they can not see the late or why because the account is so old. 
So nobody can help me. I need this resolved please
Product: Checking or savings account

On Friday, XX/XX/2023, I was attempting to transfer {$1400.00} from my checking account at USAA into my savings account. I accidentally transferred it to an account owned by XXXX XXXXXXXX XXXX which had not been used in 10 years. I called USAA as soon as the mistake was made and they opened a dispute. I received a letter stating that they attempted to contact XXXX XXXX and retrieve the funds and had been unable to do so. I explained that I currently lived in Alabama and no services had been rendered so I needed the money, which was my XXXX XXXX disbursement to be returned. USAA said there was nothing they could do at this time. The letter states to contact the person and request a refund but I have no updated contact information and have been unable to contact her on social media.
Product: Credit card or prepaid card

On XX/XX/XXXX my card was charged XXXX and XX/XX/XXXX for XXXX by a company called XXXX which is now called XXXX XXXX XXXX for a ecommerce website to be built. Was told it would be completed by the end of XX/XX/XXXX. It is now XX/XX/XXXX, with no website and no refund. The company is ignoring my emails and calls. Bank of america says it falls outside their timeline to dispute. As of now XXXX has stolen this money from me and B of A will not take any recourse to help me.
Product: Credit card or prepaid card

On XX/XX/2022, I've initiated a balance transfer of {$3000.00} from my XXXX credit card to Capital One credit card. They claim that the balance transfer should take 2-4 business days to complete. On XX/XX/XXXX, the balance transfer posted on my XXXX credit card account, however, today, XX/XX/XXXX, the money is still not in the Capital One account. I've called Capital One and they assured me they don't have anything incoming from XXXX bank towards my account. Now, XXXX claims that everything is correct on their end and the money was sent successfully and received by Capital One. Capital One claims that they never received the money. Each side tells me to go and talk to the other side about this without actually opening investigation or trying to resolve the issue. My money disappeared somewhere in-between and nobody is doing anything to find it, but the best part is, XXXX bank posted this transaction to my account- so now I'm still responsible for paying it back to them, even though I never received the money.
Product: Checking or savings account

I have a savings account with Citi bank that I opened online. Citi does not have branches in my state ( Utah ), but are very willing to open accounts and house my money. I do not remember setting up a security word for calling into the bank for help and I did not set up a debit card for the account. This is a savings account, so it doesn't need to use a debit card. 

I have since stopped using the account and have taken the money out. I'm now getting told that my account will be charged a maintenance fee because it has less than the required deposit amount set by the bank. This should not be a problem because I want to close the account anyway. 

The problem is that account can not be closed online. Accounts can only be closed with customer service on the phone. When I call they will not allow me to close the account without my debit card number or my security word. I can do all kinds of things with the account, but I can not close it. I can verify my address, provide my social security number, and the account information to verify my identity, but the only way to close the account is to give them the security word that I do not know. 

To close my account I have to visit a branch outside of my state to verify my identity. This is unacceptable to me and is a scam! If I can open an account online, then I should be able to close it online upon request. Please help me get my accounts closed!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and it adversely affects both my credit report and my background check information. I have an identity theft pin with the IRS for filing my taxes and I have 1 letter documenting that someone else has been using my identity in another state. What can I do to fix my credit score and background information?
Product: Checking or savings account

On XXXX/XXXX/XXXX, I checked my statement online to confirm my direct payroll deposit had come in. While viewing my account, I noticed my savings account balance was lower than it should be. I found two suspicious ATM transactions. Specifically, two {$100.00} withdrawals five days apart. I have no recollection of either transactions, and I never make ATM withdrawals from my savings account. I spoke with XXXX in the Claims department and filed a dispute for the two transactions with Wells Fargo. Since I could not positively deny the transactions without personally viewing the ATM security footage, I agreed to put the disputes on hold until I could see the footage for myself. He said he could not send me copies of the footage, but that I could view them at a Wells Fargo branch. He marked the dispute closed, but told me I could reopen the claim if the footage did not show me as the person making the withdrawals. Out of an abundance of caution, my ATM card was cancelled, Wells Fargo agreed to send me a new one, and I was told I could pick up a temporary card at a branch. 

On XXXX/XXXX/XXXX, I went to a Wells Fargo branch in XXXX XXXX XXXX ( where one of the suspicious transactions occurred ). I was given a temporary ATM card. However, I was told I could not view the security footage from the transactions. They did n't know why Wells Fargo claims would even tell me I could, that that is not their policy. 

On XXXX/XXXX/XXXX, I placed multiple calls to Wells Fargo to get some answers. During one call, I was left on hold for over an hour. On another call, I was left on hold for over 1-1/2 hours. Once again, different people gave me conflicting answers. XXXX XXXX ( sp ) suggested I open a new claim and transferred me to XXXX in the Claims Assistance Center. He told me the same lie XXXX told me, that I could view the security footage at the branch. He also told me that, once the claim was closed, it could not be re-opened and I could not open a new complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brough to my attention that there are inquiries that I dont recognize and didnt authorize NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I am a XXXX XXXX, XXXX XXXX military member who was XXXX 6 months ago. I received XXXX XXXX as a result. USAA Federal Savings Bank is causing direct and possibly irreparable harm to my credit worthiness through predatory lending practices. USAA closed my credit account after reciving my ( {$3000.00} ) payment with no notice. USAA received regular payments as per normal credit card use and this was a voluntary payment made to them beyond my normal payment. Apparently, while I was in the XXXX XXXX clinic, one payment was a few hours late. I was sent a letter on XX/XX/2018 informing me that they were closing my account. When I called the stated reason I was late on a payment and that I had an account balance change ( I.e I payed it off ). I totally agree that USAA has the right to lend to who they want. The harm comes in that, as they closed the account and lowered my available credit, they have damaged my credit worthiness, even when I pay 50 % of all my outstanding debt in a single month. I have payed them significant sums of money, as agreed. In response, they take your repayment and close your account, but the. Damage my credit, because I paid them more than the agreement. It sickens me that they will destroy the credit of a XXXX XXXX   veteran who is going through a XXXX XXXX XXXX to be XXXX XXXX, because I paid them back. They closed my account ( damaged credit worthiness ) because they couldnt drag any more interest off a XXXX XXXX.