23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX, I checked my checking account balance via ATM in XXXX XXXX Louisiana as I was planning to make a purchase and noticed that my account balance was off by {$8600.00}. I immediately called USAA to report fraud on my account and come to find out I was actually negative {$17000.00}. I was under the impression that this account would be closed due to the recent fraud activities and I assumed no other transactions would be allowed. On XX/XX/XXXX my military paycheck was accepted into this same " closed '' account in which I argued with a CSR via phone but it was never refunded as USAA claimed that I was responsible for the fraud. At this point, I let it go and open another account with a different bank thinking this will eventually be resolved and I'll be refunded at least my last paycheck and they will check camera 's etc and see I was in another state and it was not me. Time goes on, I let it go until XX/XX/XXXX when I received a letter from the IRS stating I failed to claim the discharged debt of $ XXXX as income and therefore I now owe the IRS XXXX XXXX. What? I call the IRS to dispute and this is when I was told that USAA discharged $ XXXX and I was responsible for the taxes. A second letter was sent from the IRS demanding payment immediately and this prompted me to call USAA and ask specific questions regarding the fraud investigation. I spoke to a banking CSR named XXXX on XX/XX/XXXX. She was very helpful and answered a lot of questions as to the dates and amounts of the checks, the name of the account holder of the checks and she stated that she was looking at a copy of the checks as we were speaking. XXXX also mentioned that someone had called prior to XX/XX/XXXX and requested a withdrawal limit increase. I requested that a copy of the fraud investigation be sent out ASAP so I could forward this along to the IRS but I never received it ( XXXX stated it would be 2-5 business days ). 

USAA told me they sent a card to XXXX where the fraud was located. It so also happens to be the location of a USAA bank. USAA also concludes this investigation in less than 2 weeks. There are numerous complaints by numerous people claiming the same things happening to them. USAA sends me a letter stating that they failed to investigate fraud. But then simultaneously claim they actually investigated this claim. But somehow I was simultaneously in XXXX where the fraud took place and the fraud division is located.
Product: Money transfer, virtual currency, or money service

I am reporting this against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ).

Cash App has failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair, deceptive and inconsistent, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$510.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance XXXX {$410.00} ; XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$210.00} ; 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 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: Mortgage

There's been an error on the part of CHASE into my HELOC that has caused me tremendous grief and being on the phone for over three months. They are snarky and just awful -- which is the way people behave when they hold all the cards and there is no one minding the store. This behavior is abusive!!!
Product: Debt collection

Please be advised I requested validation of said stated debts from listed debt collector ( s ). I received a response that clearly violates my HIPPA rights.The collector ( s ) did not provide me a HIPPA release that releases my medical information to them, therefore by providing such information these companies are in violation of my HIPPA rights. Documents were received in response to a dispute asking for validation in which the listed companies have not provided me the services, charges, and cost WITH a signed HIPPA release. 
- On XX/XX/2021 I received a letter in an attempt to validate a debt from company XXXX XXXX XXXX XXXX XXXX for a alleged debt amount of XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Colorado XXXX. 
XXXX XX/XX/2021 I received a letter in an attempt to validate a debt from company AR Resources , Inc. for an alleged amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, PA XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax left their systems, and by extension, millions and millions of American 's incredibly sensitive information at risk of hacking by criminals. For a company that collects this much personal and private information about this many people, they should have had greater measures of protection in place. It is ridiculous that criminals could hack into a system with this much personal information. 144 Million people were potentially affected which is over half of the credit-utilizing adults in United States. Each of them, including myself, is now at risk for identity theft or fraud for YEARS to come into the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account with Santander Consumer back in XXXX for a XXXX XXXX. The car was marked as a charged off account as of XXXX and is still appearing on my report. Santander keeps selling this closed account to other business and therefor still showing on my account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding zelles handling of disputes. Despite using zelle numerously my financial institutions and zelle failed to protect me and exploited the system.
Product: Credit reporting or other personal consumer reports

I had owed possible {$81.00} and it got charged off and I have since paid this off and it has not been updated and is still showing as I owe money
Product: Student loan

Navient has begun making adverse entries in my credit report, falsely claiming that I have two accounts with them that are more than 120 days delinquent and that I agreed to pay them {$430.00} per month for 120 months. I never had any such agreement with this company and am not in default of any agreement with them. My credit score has plummeted by hundreds of points based upon these fraudulent reports to the credit bureaus. I am unable to have the adverse information removed from my credit file. From their entries they appear to be attempting to revive and collect on an almost forty year old purported student loan. I have no such student loans. Please help?
Product: Credit reporting or other personal consumer reports

I have reached out to the following account below and talked to them about the issue with my account as reported by the EXPERIAN. They have advised me that they will correct the credit report accordingly and change the balance to zero, however, as I reviewed my recent report, the balance remains unchanged. I am not sure how the EXPERIAN came up with this remark. They have failed to investigate properly. Also, the comments do not conform to the payment history that is being shown in my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS ACCOUNT ENDING IN XXXX, OPENED XX/XX/2020 FOR XXXX XXXX THE CARD ACCOUNT IS NOT LISTED ON HIS CREDIT REPORT, AND IS INSTEAD LISTED ON HIS SON ( XXXX XXXX ) 'S CREDIT REPORT, AND IS MIXING THE TWO FILES TOGETHER. INCORRECT PERSONAL INFORMATION IS NOW LISTED ON HIS SON 'S PROFILE, WITH NOTHING ON HIS PERSONAL CREDIT PROFILE. 

DISPUTE WAS FILED WITH XXXX, AND AMERICAN EXPRESS HAS BEEN NOTIFIED. NEITHER HAVE RECTIFIED THE ISSUE.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 phone call made by XXXX woman XXXX approximately XXXX claiming she was intake from ( XXXX ) XXXX XXXX XXXX. The attorney name XXXX XXXX I was told was suppose to contact me an hour after intake. In which this person calls from law firm claiming to need information before I receive assistant about a housing matter. The following day less than 24 hours later a XXXX male uses the information provided to a XXXX assistant to claim I open an account on XX/XX/2020 with a company called XXXX XXXX. This is a fraudulant account and act on behalf of someone calling me using another company to input his law firm Nelson Cruz Assoc on my credit report with no phone number for contact no address. This was a malicous attack through using a business for deception purposes to ruin my credit on wrongful information without any letters or phone calls just a lie on stating I opened an account. When I tried several attempts to reach the woman who is obviously working remotely moonlighting two jobs she used my information to provide to one of her associates to fraudulantly update my credit with bogus derogatory information. I want this removed immediately and them both to be exposed. Nobody knows if this company or law firm Nelson Cruz is real outside of how he used an associate to get details on my money on my social security my job information etc. Stating there in company with XXXX XXXX who was suppose to contact yesterday which is not true. The name the woman gave was bogus that is why when I call her number she refuses to call back or respond. I want justice on these swinderlers behind the scenes. It made since she mentioned a lawyer she knew from her job then passed off my information to another attorney who knows that I will report them to the bar association this would not be my first situation with this type of behavior from attorneys. There doing underhanded derogatory non compliance to consumers. I am very unhappy that XXXX  would allow this type of action knowing I spoke on fraud and alot of attorneys have been caught up in XXXX XXXX XXXX using my name. I am in supreme court now behind these same actions. This is why the fool would not put his entire identity on the record. Used one of his associates to blind side me lying about the call. I do not owe this company and if I do it would not be an open account on XX/XX/2020 so, this person has done something illegal to pursue a case but, these people don't have a case there just showing how easy it was to play me by lying about who was going to contact me after the intake. No one contacted me I was bamboozled by employees faking moves to get people to talk on behalf of another company while helping fraudulantly attorneys to input information under a consumers credit report with there identification information.
Product: Credit card or prepaid card

Bank of America, without my foreknowledge, closed all four of my credit card accounts with them, of which, my highest credit limit was XXXX, and the longest amount of time I had on a credit card with them dates back to 2005. The ostensible excuse they used was : " irregular authorized user activity on one or more of your accounts. '' i want to be clear, that none of these accounts were delinquent and all these accounts were paid off in full, so BofA isn't out a dime. While I recognized that credit card issuers can close an account, my complaint isn't really about that, but rather is about not receiving the rewards that I earned on my credit cards. Unfortunately, I can't even log onto my account, but I believe the rewards that I list are accurate. 
... XXXX XXXX points ... XXXX XXXX total cash back XXXX XXXX points
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I was a victim of an impersonation scam in the amount of {$500.00}. I was selling furniture online when this person offered to buy. All was well until payment time, because I received an email saying they sent the money but it was unavailable, and to get my {$500.00}, the other person has to send another {$500.00} to equate to {$1000.00}, and I would have to send {$500.00} to verify this. I don't often use XXXX  so I was unfamiliar with the officiaXXXX XXXX email and had assumed this was legit. Upon realizing what happened I called on the same day my bank, XXXX, and XXXX but neither company did anything as they both told me accountability was on the other party to handle on my behalf. My dispute wasnt filed until 3 days later, by then XXXX had given the money to the scammer and likely the scammer had deposited the funds in their bank account, as even the scammer 's bank refused to refund me, despite that I have disputed this 3 times with documentation. Each time there has been a refusal of any of these financial institutions to find restitution
Product: Mortgage

Or the last two months I have been harassed by the mortgage company to make payments I have already made. And I have giving them proof by proviso the pictures of the front and back of the check they have cashed or deposited. These copies were provided to me by my bank. And they continue to Harris me daily. Monthly. To make a payment. Several times a week. Monthly Im calling and trying to fix the problem. I provide proof and they continue to harass me. 
This is a va loan. They know if they show proof that Im not making my payments then they can still get their money. Kick me out of my house and resell my house. Im done being harassed to make a payment that I can prove. Have proved. That Ive made
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. Recently my step dad had a severe XXXX and my mom who is XXXX weighing XXXX XXXX lbs had to take care of him alone for over 1 yr. when we found out there was no care taker for him, my husband and I moved closer to help. We eventually had to send him to XXXX XXXX because of his XXXX XXXX. Long story short, we tried getting my mom an electric wheel chair ect via a personal loan only to be denied over and over. I was told that you could get into your XXXX/ XXXX XXXX and look at your report. I ended up finding about 4 accounts that had went to collection. At that point, I immediately paid all of them in full. I told them all what my hardship was and begged hem to take it off my reports after I paid them. They said it cold take up to 60 days. In the meantime, XXXX XXXX  XXXX " XXXX original creditor " XXXX, had settled my whole Dept with he in the amount of {$300.00} '. I had asked them to remove it from my XXXX/XXXX XXXX/ and my XXXX report, and instead of showing paid in full, {$300.00} they re opened a revolving account saying that I actually owed them {$300.00}. I have tried numerous times to resolve these issues and they refuse to help which has really damaged my report all over again because all reporting agency 's re opened this account. I would like for this to be resolved immediately so I can at least apply for a personal loan to help my mother~ XXXX XXXX XXXX XXXX has damaged my credit ...
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several hard inquiries on my report that I did not apply for including inquiries on the following dates from the following companies : TWO inquiries from Capital One on XXXX XXXX, XXXX ( I already have a Capital One Credit Card, and I have received several emails about a breach with this company. I never applied for another credit card with them since I already have a credit card with a {$500.00} limit from them ). 

Capital One on XX/XX/XXXX ( This is when I was initially approved for the credit card that I currently have with Capital One. However, I was approved for this, so it shouldn't be under hard inquiries ) XXXX on XX/XX/XXXX ( I have never heard of this bank in my life, and I did not apply for a credit card at this time. ) Dept. of Edu on XX/XX/XXXX ( No loan was submitted through the Department of Education. XXXX XXXX  had me go through XXXX, which is a different institution. 

XXXX Fce on XX/XX/XXXX ( I did not apply for a credit card with this bank. I am attending XXXX school online here ; however, I did not apply for a bank account or credit card with an institution that is not even in my state ).
Product: Debt collection

My ex-husband XXXX opened an account with Merchant acceptance her and her boyfriend at the time worked for this company her father and I went through a nasty XXXX and was made to leave my premises and as a retaliation she went and opened an account and made me co-signer without my permission I file a police report in XXXX of XXXX Ive tried several attempts to make the merchant remove this account from my credit and all I get is disrespectful comments trying to force me to pay for an item I dont have or never signed up for every year I have tried to file a dispute and they always ignore it and keeps it open when it was opened and closed in XXXX
Product: Credit card or prepaid card

Bank of America recently closed my Visa Credit Card after I have had it for over 17 years ( 2003 ). I have been a victim of identity theft and bank accounts have been opened under my name. I received a letter that my account has been closed due to returned check payments on charges I never made. I have disputed this on my credit report and they refuse to remove it. I called Bank of America and they couldn't give me akt of information but said they felt I would be suited for another bank even though I haven't used the card in 2 years they were not concerned that my account was used fraudulent ly. I feel like my 17 years there meant nothing to them and this account closure has hurt my credit score more.
Product: Credit reporting or other personal consumer reports

I believe the disputes are being labeled incorrectly, XXXX Bank is being reported on my credit report but was XXXX of the accounts that was taken over and used fraudulently, I was the victim of identity theft and multiple accounts were opened and used in my name, the FTC told me to include all accounts in the identity theft report including accounts I had opened but were taken over and stolen from me XXXX Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX I included them both on the police report as well, the XXXX account was opened by me but when the family member of mine used my information to open accounts in my name they also used it to get into my bank account and XXXX  account and used my credit card fraudulently, that account has been reporting information that was due to the same person who used my identity to open accounts in my name. The charges on the XXXX card are fraud and were not made by me and the reporting information needs to be fixed. The last time I personally had access to the card and used it was XX/XX/year>, XXXX has been notified of this but has been XXXX assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which are being posted on my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX  XXXX Balance Owed : {$6100.00} XXXX XXXX  XXXX Balance Owed : {$11000.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$2300.00} XXXX  XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00}
Product: Credit reporting or other personal consumer reports

Again, this XXXXXXXX XXXX again forgot to report correct amount in my credit profile, thank you CFPB for not pushing them for this violation, this is shows me again that nobody is following the Low of this country, I said before and will say again, all this reports and complaints Im saving for future lawsuit to this company, I thought that everyone must follow the Law how its says in the Constitution but I was wrong, anyone can violate the law and nobody will hold them accountable. Thank you
Product: Credit reporting or other personal consumer reports

My information was sold and brought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

Acct # XXXX XXXX XXXX XXXX Acct # XXXX. XXXX XXXX Acct # XXXX XXXX XXXXXXXX Acct # XXXX XXXX XXXX