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

I had recently mistakenly deposited an erroneous check in my account on XX/XX/2023. 
I had created a new account and had attempted to move the money in an effort to not co-mingle or spend the funds as a legal precaution. XXXX were able to go into the account and XXXX were on hold.The same day I called USAA to inform them I suspected the check was fraudulent and advise them to look into it. This was reported to the fraud department of USAA. 

I gave additional information to include the addresses names and the like that were given me to assist in the investigation. 
On XX/XX/2023 I received a call from USAA that my accounts were locked due to a negative balance on my way home from work. I was literally running out of gas attempting to get home to my daughter. All of my accounts are locked because they are under review due to a negative balance of - {$2500.00}. This {$2500.00} resides in another account and is inaccessible to anyone at this time. I am unable to use my debit card as well. No one at USAA can do anything about it. Members as a whole are unable to talk to managers or supervisors due to something? Additionally there are no contingencies available for such situations such as expediting, debiting another owned account by request, etc.. The only option being an additional deposit which would require access to another bank account since they would be external sources I had since switch the auto overdraft to take from the account where the money resides in the hopes that something can be done. 

I am now in a scenario where I can not access any funds, my paycheck has gone into the bank before I knew what had happened, and I am being punished for being a victim of a work online scam all while attempting to assist the authorities in catching the culprit. 

I am left with no way to access my money, very little gas, and a child. All while the Member resolution team is not allowing members to speak with any supervisors or managers as a defacto unwritten policy as the money sits in the bank ready to be transferred to cover the defrauded account. 

This bank is supposed to be for veterans, active, and reserve military. How in the world can you treat those who would lay down their lives for their countries in such an extremely inappropriate fashion? 

Imagine if this happened abroad?
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Dispute of Inaccurate Credit Report Information TransUnion Dear Consumer Financial Protection Bureau, I am writing to formally dispute inaccurate information that appears on my credit profile as reported by TransUnion. Specifically, there is an account listed under the name XXXX  that I have no knowledge of and did not authorize. 

I believe this account was fraudulently opened and is adversely affecting my credit profile. I have never opened an account with XXXX, and I have no records or communication regarding such an account. 

I appreciate your immediate attention to this matter. Please feel free to contact me directly should you require further information or documentation. I look forward to your response within the timeframe specified by the Fair Credit Reporting Act ( FCRA ). 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX : credit report
Product: Payday loan, title loan, personal loan, or advance loan

I moved to afterpay orders by 3 days. They Froze my account! .Paid them 2 days ahead. Previously when moved orders were paid they would unfreeze account. I've been a customer for years and have paid XXXX  of dollars! No late fees etc. 
I got a email today XXXX that my account will remain " frozen " until there is " XXXX '' balance! I owe XXXX only. 
This seems highly " unfair '' since I'm a good customer. I've never Not Paid my payments!! 
I'm highly upset about this practice when just in XXXX I had big orders and all payments got paid @ No telephone service, only email and it's different people each time. I will close my account when done. This kind of service needs to stop. Thank you
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 XXXX Account XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX and list of Inquiries XXXX XXXX XXXX XXXX XXXX 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 seven 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: Student loan

As a XXXXNavient customer, I was advised to take out forbearance when I could n't make my student loan payments due to employment or hard times. I ran out of forbearance during the summer of 2014 due to this advice. When I began making student loan payments, Navient misallocated my payments and put them toward the interest instead of the principal and interest for my student loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I'm writing this letter to request that the charged off XXXX XXXX Business Credit Card ( Account # XXXX ) be removed from my personal credit file based on the following : - Business credit is in fact separate from personal credit. Therefore, the two should not be in one file. 
- To the best of my knowledge, I've never been given an opportunity in writing to dispute the debt ( e.g. interest charges, other charges etc. ) nor that this business credit account would be appearing in my personal credit file. 
- On XX/XX/2016 I'd began living in XXXX, and was not in XXXX to receive any mail by US mail. My address at the time was XXXX XXXX XXXX XXXX XXXX  XXXX. I have attached documentation as proof. Since I wasn't there, there is no guarantee that I could have even gotten any more or that it wasn't intercepted by someone else like my ex-wife. 
- By the time I found out about this, it was certainly already too late. 
- Since that time, I have actively been working with XXXX XXXX to resolve the matter of this debt. The card had a high balance of approximately {$9800.00}. I have paid most of this debt to date, leaving a balance of just {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is inaccurately reporting on my credit profiles associated with my social security number and are in violation of my consumer rights per the following : Based on the provided credit report, there are several inconsistencies that can be found among the credit bureaus. These include : Account XXXX - XXXX : Experian and XXXX reported the account as a credit card, while XXXX did not specify the account type. 

Account Status : Experian reported the account as open, while XXXX reported it as derogatory. 

Balance : Experian reported a balance of {$260.00}, while XXXX and XXXX reported a {$0.00} balance. 

Credit Limit : Experian and XXXX reported a credit limit of {$300.00}, while XXXX did not specify a credit limit. 

Payment Status : Experian reported the account as late 30 days, while XXXX did not have any information on payment status. 

These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ). Specifically : Section 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information in a consumer 's credit report. The inconsistencies in the account type and balance are a result of inaccurate reporting. 

Section 623 ( a ) ( 2 ) requires that if a consumer disputes the completeness or accuracy of any item of information in their credit report, the consumer reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The fact that the consumer disputes the account and has no knowledge of it suggests that a reinvestigation should have been conducted to resolve the dispute. 

Section 623 ( a ) ( 5 ) requires that if a consumer disputes the accuracy of any information in their credit report, and the dispute is resolved in favor of the consumer, the consumer reporting agency must promptly delete or modify the inaccurate information. If the reinvestigation reveals that any of the reported information is inaccurate, the credit bureaus should delete or modify the information as required by law. 

In summary, the credit report shows several inconsistencies that violate FCRA sections 607 ( b ), 623 ( a ) ( 2 ), and 623 ( a ) ( 5 ).
Product: Student loan

I made XXXX payments in XX/XX/year> through my bank payment system. The first XXXX went to the old account number. I then made a second payment to the new account number which shows up on my account. The first payment has been lost and I cant get them to understand I made XXXX payments in XXXX.
Product: Credit reporting or other personal consumer reports

Name : Vance & Huffman LLc. Amount : XXXX. Open : XX/XX/year> Close : XX/XX/year>
Product: Credit reporting, credit repair services, 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 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, has violated my rights. 

1

5 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 seven 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: Money transfer, virtual currency, or money service

Im writing to formally express my concerns regarding Zelles handling of disputes.particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform, despite using Zelle numerous times and reporting discrepancies my financial institution, and Zelle failed to investigate my claims adequately. they informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle Has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system leaving userss vulnerable to scams. This lack of accountability And transparency is unacceptable And raises serious concerns about consumer safety.
Product: Credit card or prepaid card

I have no recollection of this account being open. I recently discovered this account listed on my credit report. I did not authorize anyone to open this account in my name. Can you help remove this reporting from my credit report? It is ruining my reputation.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX account # XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

in my equifax credit report i have this address in it XXXX XXXX XXXX XXXX XXXX, TX XXXX i have never lived there or ever been there.
Product: Mortgage

I changed Home insurance companies in XX/XX/2023. My new company was XXXX. Mr Cooper sent a check for {$1700.00} to XXXX XXXX XXXX ( which is not my policy holder ) and XXXX cashed the check for {$1700.00}. They sent a check for {$1700.00} to XXXX shortly after and I happened to notice my escrow was short and saw the mistake and they put a stop payment to XXXX since XXXX already cashed the check. I called and talked to Mr Cooper, they said no big deal, XXXX will give the money to XXXX and apply it to my policy. It was never applied to my policy and right now Mr Cooper owes XXXX {$840.00} on my behalf. So I swapped insurance companies again in XX/XX/2023 and asked XXXX about a refund from the remaining balance they should have paid and was told they were never paid. So now I send 10-20 secure messages a week to Mr Cooper and call every week and just get the run around. XXXX wants copies of the check that was cashed faced to them, so we do this every week and fax the check and have made 0 progress recovering my {$1700.00}, that Mr Cooper sent to the wrong place. I have sacrificed a lot of my time and effort doing their job because they gave away my money. Currently since XXXX, still no refund or progress.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have taken out fou r loans via Sallie Mae  to pay for my college tuition. I have made on time monthly payments consistently but in the current state I am in now, I can not financially make the monthly payments .I took out an excess of {$55000.00} and my loans are currently holding interest rates of 11.375 %, 9.5 %, 10 %, and 9.75 %. I have contacte d Sallie Mae 's  customer service desk to see if I can have my interest rates reduced and they stated I must go into collections in order to receive any type of help for repayment options. Once I went into collections, I received  4 to 5 calls per day from an automated service stating I am past due  and need to contact the collections department. Once I called the collections department I got the run around and was told I had to pay my account up to date in order to receive any type of assistance and could only offer a forbearance for my current financial difficulties. The representative,  XXXX  ID :  XXXX , I spoke with put me on hold and forgot to mute herself. I heard her speak with her supervisor and I heard laughter once the representative I spoke with asked her supervisor if they could offer me an interest rate reduction. Before the representative got back on the phone I heard her chuckle and say " I am going to get him to pay before we are done ''. The level in which they treat customers has completely disgusted me and I still have been unable to receive any type of assistance and currently struggling to meet ends meet.
Product: Credit reporting or other personal consumer reports

I have received a copy of my consumer disclosure report and consumer score report from Chex systems. Which do not match what they are reporting to lenders who request to see my report. My consumer disclosure report states ( XXXX. XXXX Recent unique XXXX XXXXXXXX inquiry history ) ( XXXX. XXXX XXXX since XXXX inquiry activity ) ( XXXX Insufficient XXXX  Inquiry activity Same XXXX  ) These false negative factors are damaging to me. Chex System recently updated and removed Fraudulent inquiries from my report due to identity theft. But include these factors as if those fraudulent inquiries/information was still present or they weren't aware of the the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX  XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX  XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Date : XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX ''. Fraudulent, was not me.
Product: Credit card or prepaid card

Initially when this account was past due, I attempted to make payment arrangements that I was able to afford since I was not working. Capital One refused to accept any payments unless they were the full amount that they were requesting. This caused the account to go into collections. Fast forward to now, Capital One has sold my account to a collection agency who is still not accepting what I am able to afford. This account is ruining my credit and I have had no issues paying all my other debts. This one is completely keeping me from having financial freedom and I have attempted on many occasions to resolve this debt but they will not accept my payment.
Product: Mortgage

When I tried online to make payment of my mortgage for the month of XX/XX/XXXX, it has come to our notice that my XX/XX/XXXX is not being accepted due to nonpayment of XX/XX/XXXX mortgage. It has come as a surprise to me because the payment of XX/XX/XXXX has already been paid and withdrawn from the account as per bank statement for the month of XX/XX/XXXX is attached. Moreover, an email was received as confirmation of payment from the website of Ditech.com under confirmation # XXXX. It was more surprising when the representative of Ditech also demanded the bank statement for the month of XX/XX/XXXX saying that the payment was also missing for XX/XX/XXXX, when I was talking over the phone on XX/XX/XXXX at approximately XXXX XXXX. 

I am attaching the copies of my bank statement for the month of XX/XX/XXXX, XX/XX/XXXX and the copy of the confirmation email received from the Ditech. Com with details. This is not the first time that the Ditech Financial LLC has troubled us in the matter of mortgage payment and for your kind information that in XX/XX/XXXX the company had created the same issue and after a long time it was accepted in our favor. 

I would appreciate if CFPB takes necessary action to resolve the issue.
Product: Checking or savings account

Greetings, This complaint is against Citizens Bank located at XXXX XXXX  XXXX XXXX XXXX, Mi XXXX. Recently I noticed or I shall say I became suspicious of inconsistent transactions on my account. Money is disappearing from my account without my authorization. And that's just the beginning of my problem. 

On XXXX XXXX 2020 I noticed a transaction that was unauthorized and i called the bank immediately to report the transaction as fraud. My account was closed and the representative has issued me a new card. During the conversation with the Bank Representative I stated that I will like mailed copies of my entire transactions history. I was told I will be charged for wanting mailed copies. The Rep suggested online Banking about transaction history and she gave me an id number and reset password code. 

On XXXX XXXX 2020 at around XXXX I called Citzens bank because my online banking account was blocked. I spoke with two representative before they ended the call and stated that I could not have access to my online banking history. I was told that I can't look at my transactions history to determine any other incidents of fraud on my account. At that point I asked for an address to file a complaint and i was given a po box and an unknown number to call in regards to complaints. I asked the representative to transfer me to a supervisor because I didn't understand why I was denied access to my account, given a PO BoX address to file a complaint, and given a number to call that isn't associated with my bank. 

As of today XX/XX/2020 I can't access my online banking account, I can't get any mailed copies of my banking history, and I can't speak to any supervisors at Citizens Bank. I was placed on hold to speak with a supervisor for 2 hours and 36 minutes before the Bank associates ended the call. I call back and the representative say 'Hello ' right before they end the call. I call back and the cycle continues. The Representatives at Citizens Bank are nasty, rude, disrespectful, and psychotic. Can you call me as soon as you get my complaint. 

My name is XXXX XXXX. My address is XXXX XXXX, XXXX XXXX, Mi XXXX and my cellphone is XXXX XXXX XXXX. My email address is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion is reporting inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX