23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

USAA does not follow FTC guidelines and Collects on ID Theft reported to them.See attatched Experian Report. USAA notifys them THEY DO NOT KNOW FRAUDLENT CHARGES WERE MADE AND THAT I NEED TO CONTACT THEM. * THIS IS INACCURATE REPORTING. USAA HAS KNOWLEDGE OF FRAUDLENT CHARGES see attatched letter FRAUD CLAIM DATE XX/XX/XXXX UNAUTHORIZED TRANSACTIONS DID OCCUR. see attatched ID THEFT REPORT USAA has recieved. FTC. gov web States : FCBA settlement procedures INCLUDE : 1 ) Unauthorized Charges see FRAUD CLAIM OF XX/XX/XXXX UNAUTHORIZED CHARGES OCCURRED 2 ) Charges list wrong date Credit Reversals Charges list wrong new purchase date ( CLEARLY NOT NEW PURCHASES ) 3 ) Charges for goods or services you did not accept or that were not delivered timely see attatched Criminal Investigation Letter NO Deliveries in that zip area under investigation. 4 ) Failure to post credits 5 ) Charges for which you ask for explanantion OR WRITTEN PROOF OF PURCHASE. I have had all 5 of these occur on my account from XX/XX/XXXX to XX/XX/XXXX USAA DOES NOT FOLLOW FTC GUIDELINES see attatched FTC statutes of REQUIREMENT OF USAA. UNDER DUTIES WHEN ID THEFT OCCURS. USAA DOES NOT FOLLOW THESE STATUTES USAA COLLECTS ON ID THEFT DESTROYS CONSUMERS CREDITS WITH FALSE REPORTS.
Product: Debt collection

Under the Laws of Commerce, An Unrebutted Affidavit Stands as Truth. I'm writing this complaint due to the fact that I haven't heard back from XXXXMRE nor have I seen these alleged debts removed from my credit reports. In the attached files you can find an Affidavit of truth with exhibits, a Cease and Desist letter and a green return receipt showing that CMRE has received all of these exact forms.
Product: Mortgage

Please refer to original complaint # XXXXXXXXBrief summary, I made final payment on HELOC on XX/XX/XXXX in the amount of {$45.00}. On XX/XX/XXXX more than 7 years later, I get a notice of a lien hold on my house in the amount of {$36.00}. So I submitted a complaint to you. 
On XX/XX/XXXX, I get a call from XXXX XXXX at XXXX xt XXXX confirming that there was never any communication made to me about outstanding fees. She stated the only communication they sent me was dated XXXX that the account was at a XXXX balance and instructions on how to pull more money out. She advised that the {$36.00} were fees when I closed my account, that the {$45.00} was interest and the reason that I was not told about the {$36.00} fee could be from the Wamu merger. She assured me that the lien would be lifted and she would send me a letter stating so. 
I got her letter dated XX/XX/XXXX advising that this communication is an attempt to collect a dept. Which is in direct conflict to what she told me on the phone the day before. 
I tried to log on to my account several times to file a dispute, however, can not log in. I called your tech support on XXXX, was able to get in and now today XXXX am locked out again.
Product: Checking or savings account

I open a dispute with my Bank ( M & T Bank ) on XX/XX/2018 for an unauthorized charge that was placed on XX/XX/2018 on my debt card after losing my wallet which contained my debt card and driver license. I received a letter from my bank dated XX/XX/2018 with the results from the investigated claim # XXXX and since there was a photocopy of my driver license and an account that was supposedly created in XXXX with a company i have never heard of or used it has to be me and would not honor my claim and would not reimburse me in the amount of {$300.00}. I faxed a request for a re-investigating and M & T bank would not honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXX XXXX XXXX  claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of 29 inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They're inaccurate information on my consume report, and I'm requesting for this information to be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Debt collection

I received a notice to collect a debt, on XX/XX/XXXX on XX/XX/XXXX I called to verify debt and speak to a manager about some discrepancies within the document. I was given an additional phone number to call a manager separately. So I called the same day XX/XX/XXXX and was put straight to voicemail. I gave it a few days with no response, called again between XXXX left another voicemail, still no response. I then called the main number again asking for a way to clarify/resolve this complaint only to be told to speak to a manager and gave me the same number, which I then said I had already tried calling. I then called again 2x on XXXX ( the managers number that was given to me ) and left additional voice messages and still as of today XX/XX/XXXX still have not received a response back. However, today this account was reported on my credit report without ever receiving a phone call or verification. 

I also want to note that I even called the original creditor ( the medical facility ) who also told me I need to speak to EOS to resolve this matter. So I have exhausted all I can do until a manager calls me back.
Product: Checking or savings account

I am aware of the Wells Fargo lawsuit and have had two separate accounts since 2010. I wanted to check in and see if any money is due back to me.
Product: Credit card or prepaid card

I have been trying to make a payment on comenity cards and keep getting a generic site under maintenance message when accessing my account. I called customer service on XX/XX/2022 only to be told that due to unforeseen circumstances, their office is closed. I have no way to reach the company or make a payment, which will result in fees and negative consequences on my credit.
Product: Debt collection

XXXX XXXX XXXX has a debt on my credit report, I contact them in reference to such because this is hindering my housing opportunities. When I spoke with the representative yesterday XXXX, he stated to me that he is attempting to collect on the debt. The debt has exceeded the statues of limitations per the state of NC Gen Stat. 1-52. It remaining on my credit report is hindering housing for me and my children. The representative has also told me that the account is accruing interest still, yet they are operating unlawfully. I asked them to send me copies of all documentation so that I can have an attorney review it. The representative proceed to tell me that the company operates under the laws of CA, I explained to him that I am governed under the laws of NC, therefore, I can not be held under CA statues.
Product: Mortgage

I have a HELOC with TD Bank that I'm looking to have paid off and closed. 

I requested information from the bank for how to get a Verification of Mortgage from TD. 

I received a response bank from their digital team with instructions. 

I followed the instructions provided and the loan processor sent in the verification request. 

The f

irst 3 requests did not get a response. The 4 request I was told, could not
be processed due to not having a specific verification form filled out. Even though the instructions provide to me by TD Bank originally stated I just needed to send them a letter. I spoke to a representative who repeatedly told me that a letter is not acceptable and that I need to have the specific form signed and resend it in to her attention and she would call if there were any problems. 

I called 2 days later after not receiving a call from the representative asking for the status of the document and was told that since my signature on the request does not match the original document from 2018 they can not process my request. 

I explained that my signature has changed since then and what can I do to get this corrected, they stated that without a signature match there was nothing I can do. 

I understand that my signature is not the same as 2018, but I still need my verification of mortgage request completed somehow. TD Bank as a company is unable to tell me what I can do to get this requested resolved. They are giving me no other option to get me verified so that this VOM can be sent. 

I have been verified by TD over the phone, through their VoicePrint service and the secure text codes, so they are able to verify who I am. 

After speaking with numerous representatives it appears that no one is able to assist. I have been told we can " try this or try that '' but no one can tell me what needs to be done to get this processed. I've received different answers from most of the representatives I spoke to. 

The bank is causing me financial strain as I am trying to make these payments each month and the payments have increased significantly due to interest rates. 

I feel as if TD is intentionally delaying the payoff and closing of my loan so they can continue to collect the high interest payments from me and keep this loan on the books. 

As a top US Bank TD should have clear and simple instructions to provide to a customer when handling their requests.
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. 

FOR 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 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 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 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 TRANSUNION 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 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 XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Direct deposit for my Capital one account hits on Thursday, paystubs are published at XXXX every Thursday for the past 4 years no problem. Capital one doesnt inform anyone for 24 hours and said problem would be fixed Friday morning. It is now XXXX and still no updated or news about when deposits will arrive.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX at XXXX I received an email stating that a purchase from XXXX XXXX had been made in the amount of XXXX. I was at home so I know that it wasn't me who made the purchase. I called within XXXX minutes of receiving the email to tell the bank and have them cancel my card. I had received XXXX phone calls the night of XX/XX/XXXX about apple pay but I have a XXXX phone so I can't use apple pay. The number was from the bank and the automated voice said it was Huntington bank. I hit the no option but didn't think anything about it. Then XX/XX/XXXX I received an email at XXXXXXXX XXXX stating that my apple account had been set up so I called the bank again to make sure that the card was canceled and asked why I am getting an email the day after all this took place. I was told to file a police report which I did. I sent the case number to Huntington. I called Huntington on XX/XX/XXXX just to follow up and was told that the case was closed and that it was found that information that I said didn't match what was found so the case was closed. I was told they could reopen it and I asked that they do because that is a descent amount of money that I need back. I was told that apple pay was used but I don't have an XXXX and never received any verification codes to even approve an XXXX account. I didn't receive an email from the bank until the next day after all this had taken place telling me that my XXXX account was active but again I don't have an XXXX. This was not me. I would not risk going to XXXX  by getting the police involved if I did this or had any part in it. I don't understand what information they used but I just want my money back. I have never been to the XXXX XXXX that this happened at nor do I ever shop in that town.
Product: Debt collection

Sent them a validation letter on XX/XX/2018 and have not received a response from them but they updated the amount on my credit report for XXXX
Product: Checking or savings account

I didnt reach out to them because the account is closed. I had a Wells Fargo account XXXX XXXXXXXX and I collected unemployment. I owed unemployment a lil under XXXXXXXX XXXX but I was told that close to XXXX XXXX was issued to me in funds in my checking account. I never received that much money into my Wells Fargo account. I ended up having to pay unemployment back money I never received from my Wells Fargo account. I want my money back. I want XXXXXXXX XXXX  back I want every XXXX from being scammed out of my deposits. I also want back every XXXX they charged me of overdraft fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently started a dispute process with the credit bureaus regarding a bankruptcy that is on my credit file with inaccurate information. Beginning July 1st 2017 in order for the credit bureaus to report public information on your credit file it must contain ; name date of birth socia security number and address which tied the debt to you, I have disputed this bankruptcy multiple times and the credit bureaus have yet to follow the new law inplace, yet all they have done was updated this bankruptcy with the information about the court where the bankruptcy was filed. I have contacted the court and was advised they have NOT verified a bankruptcy being tied to me with ANY of the credit bureaus, therefore I would like this information to be rereviewed and REMOVED from my credit file
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, Venmo closed my account for no reason and held the {$220.00} balance in my account. I dont want my account reopened, I am requesting that my funds be released. They told me the funds would be available within 180 days. Its been almost that long and no one will respond to answer with a date of when my funds will be available.
Product: Checking or savings account

Chase Bank Account Experienced Account Takeover In Which Multiple Transactions Have Experienced Fraud And Chargebacks That In Which Has Caused Me To No Longer Take Control As I Have Been Signed Out As Well. Pending Transactions And Other Transactions Have No Accurately Been Amongst My Spending Experience. I want to report the account as fraud and to have this account closed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to update my personal information and my credit file. My credit card has sent them many updates, I have sent in my identification to update address and they refuse to update. They show I live somewhere I haven't lived at for about 10years. I cant even speak with anyone because the " security '' question asked is " If I have or ever had a credit card '' which I currently hold one but they don't any information regarding it so I cant verify my identity. The other " security '' question is to verify where I live, as you would imagine I cant verify I live somewhere if they have no clue and think I live somewhere from 10 years ago. 

I cant get a first time home owners loan until this is sorted out. they're reporting incorrect credit score because they have no clue I even have or had credit. As well as they show I live in a different state.
Product: Debt collection

Complaint Details : Issue : Discover is reporting a debt on my credit report despite no longer owning the debt, in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Description of the Problem : I am filing this complaint against Discover Financial Services for unfair and deceptive credit reporting practices. The company is reporting a debt on my credit file, even though they no longer own the account.

Under FCRA ( 15 U.S.C. 1681s-2 ( a ) ), furnishers of credit information must report only accurate and complete information. If Discover has sold, transferred, or assigned the debt, they no longer have the legal right to report it as an outstanding obligation under their name. 

Additionally, under FDCPA ( 15 U.S.C. 1692e ( 8 ) ), misrepresenting the legal status of a debt is a deceptive practice and a clear violation of federal law. 

Since XXXX, I sent a formal dispute letter to Discover requesting debt validation and proof of ownership. However, they have failed to provide sufficient documentation proving that they own the debt or have the authority to report it. 
I have proof they received payment and the balance was zeroed out and requested a payoff letter. 
Despite my dispute, Discover continues to furnish inaccurate and misleading information to credit reporting agencies, which is damaging my credit and causing financial harm. 

Resolution Requested : 1. Immediate removal of the inaccurate debt from all credit bureaus ( XXXX, XXXX, and XXXX ) if Discover can not provide verifiable proof of ownership.

2. Correction of all misreported account information per FCRA and FDCPA guidelines. 


3. Monetary compensation for damages caused by Discovers false reporting, including loss of credit opportunities. 


4. CFPB investigation into Discovers reporting practices to determine if this is a pattern of misconduct affecting other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided. I DEMAND A RESPONSE WITHIN THE NEXT 15 DAYS UPON RECEIPT OF THIS COMPLAINT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXXXXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX  Balance XXXX {$290.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance XXXX {$2600.00} ; XXXX XXXX XXXXXXXX Balance : {$930.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

continued reporting of negative inaccurate information on credit report after being told it was being removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed this Account the XXXX XXXX  Account is Inaccurate and Fraudulent Information reporting on my credit profile The dates and account status is inaccurate. I Am Seeking Litigation From This Account. XXXX XXXX  is still reporting miss leading information on my credit report. This account was sold to another company. So why is XXXX XXXX  steel reporting information about this Account.