23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I have had my credit card account with USAA for over 20 years. During the past two years while in a pandemic, I missed 4 months of work due to XXXX XXXX I received at work. I missed 1 months of work due to XXXX. I, also, am experiencing long hauler symptoms. My husband, who is immunicompromised, missed 1 months of work due to XXXX and 2 months of work because of XXXX  XXXX. My account with USAA is in good standing at this time. The change in my credit report was due to late payments because of lack of income. I attempted to contact all companies to make payments arrangements to which I was denied. I received a letter dates XX/XX/22 stating my USAA account in good standing for over 20 years was being cancelled due to my credit history. I took a 2nd job. My husband took a 2nd job. We are working to get accounts current. It makes no sense why a current account with no missed or late payments is being closed when there was a pandemic & multiple medical concerns. USAA has always had amazing customer service but this does not live you to expectations.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and Social Security Number : XXXX, and Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I was solicited by MOHELA to convert from a low interest student loan ( that I was happy with ) to a direct loan and apply for temporary PSLF waiver as I had completed over 10 years full-time employment at a 501 ( c ) 3 nonprofit employer. 

I went through the necessary actions to verify my qualifications for this and if this was done before XX/XX/2022 I would have my loans forgiven through this temporary PSLF waiver. 

However, after appropriately submitting this information in XX/XX/2022 and having employer sign off, MOHELA did not inform me of a processing error on their part despite multiple attempts by phone, emails, and online communication regarding processing timeline. 

They ( MOHELA ) even advised me to switch to a much more financially burdensome IDR repayment plan under the premise that this would expedite my PSLF approval. I would not have signed up for this plan otherwise. 

Now, after once again contacting MOHELA for assistance and re-processing paperwork with new PSLF application, I have received notification that I do not qualify for complete PSLF. 

They ( MOHELA ) have essentially performed a bait and switch from a student loan payment plan and company at a locked-in, low interest rate ( that I was very happy with ) to now paying a higher interest rate and higher monthly repayment from false advertising. MOHELA has been negligently misleading, unprofessional, and with poor customer service for which they should be held to account.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were still incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items 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 deletion due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX
Product: Credit reporting

I am submitting this complaint about transunion as I have been disputing incorrect information that is reporting on my transunion credit report. XXXX is reporting XXXX loans that have been charged off to a bad debt. This information is incorrect as there way only XXXX loan taken not XXXX. I contacted the XXXX in regards to this and received a response from them today that they have attempted twice to contact XXXX on my behalf and they have not received a response and must close the case. I am submitting this complaint to the fcra because to my understanding if a company does not respond within the allowed time frame it must be deleted. I am requesting that this XXXX loan that is reporting incorrectly be removed.
Product: Debt collection

XX/XX/2016 {$360.00} I have no knowledge of this account
Product: Credit card or prepaid card

XXXX XXXX XXXX, FL. XXXX XXXX XX/XX/2022 XXXX XXXX I am complaining against BJs Credit Card Company Master Card XXXX Membership. 
Since over 1 year ago I joint and pay for the XXXX membership with the Master Card Company because according to them with this membership and credit card you will be received 5 % back as money rewards every time you buy product on BJs store, and they do not do this. 
After multiple phone calls that they never respond ; I am taking the step to report this company for Fraud, and false advertisement to customers. 
BJs Master Card XXXX membership. 
XXXX XXXX XXXX XXXX TX, XXXXPlease contact me at the above address or by phone at ( home and/or office numbers with area code ). 
Sincerely, XXXX XXXX. 
VERY UPSET CUSTOMER.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX MEDICAL XXXX Balance Owed : {$1100.00} XXXX XXXX  XXXX Balance Owed : {$76.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$4100.00} XXXX XXXX XXXX XXXX Balance Owed : {$190.00} XXXX  XXXX XXXX Balance Owed : {$330.00} 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
Product: Credit reporting or other personal consumer reports

I pulled my XXXX  credit report and noticed XXXX unauthorized/fraudulent inquires from XX/XX/year> -XXXX XXXX XXXX I pulled my XXXX credit report and noticed XXXX unauthorized/fraudulent inquiries from XXXX XXXX -XXXX  XXXX
Product: Money transfer, virtual currency, or money service

CitiBank is refusing to release funds from an international wire transfer to XXXX 's account so that XXXX can credit it to my account. CitiBank refuses to discus specifics on the phone because I am not the account holder XXXX XXXX is ). The sender has provided all of the information and I need my funds to be released to XXXX. This is for XXXX Euros.
Product: Debt collection

I received a phone call this morning from a " XXXX XXXX '' with XXXX about a debt I supposedly have with EZ Money. When he called and tried to verify who I was, they had the wrong SSN, employment information, and flat out refused to verify the validity of the debt stating that it was not his concern or responsibility. He also refused to give me any contact information other than his name and company he was with. The only information he provided was an estimated date of when the loan was taken out and who it was with. When speaking to him, he threatened criminal charges and possibly jail.When trying to verify the debt, he became very agitated and loud- he began yelling at me. I advised him to serve me and cease all phone communication with me or any of my references they XXXX have contact information for. Shortly after, he called my mom and would only provide a phone number.
Product: Student loan

I spoke with the collection agency and they said that XXXX sold my debt to them in XX/XX/XXXX ( while I was in active bankrupcty ). Seems to me like they were trying to hide the debt. I did n't even stand a chance to set up repayment. 
My father received a phone call from Transworld collections saying that the private student loans ( AES/NCT ) listed on my trustee ledger are now in default and that he must pay {$5000.00} immediately. They received a check from the trustee in XX/XX/XXXX, and have that noted as the last payment. XXXX XXXX ( my lawyer ) said that it would be included. My case number is XXXX. I have asked transworld to furnish the master promissory not to validate the debt, they have not provided that. They continue to call my father asking for money. They listed the charges on my credit report, I disputed it, it was deleted ( in XXXX, XXXX ) ; they listed it again after deletion in XXXX XXXX. I have disputed once more and it was deleted. This is illegal, as I understand it.
Product: Debt collection

BMG MONEY INC Is falsely reporting on my credit that {$7400.00} is owed to them. I have never done business with this company
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 1681 ( 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 then records of convictions of crimes which antedates the report by more than seven years.
Product: Money transfer, virtual currency, or money service

I'm having problems with cash app. I explained that my social and ID was stolen. I explained that nobody has the right to call on my behalf even if they believe I'm being taken advantage of. How do they know? Stalking exits XXXX Cash app return my mail back without reading. They blocked me from adding cash to my account. Now I can only receive cash and do transfers from banks which leads XXXX XXXX very easy for stalkers and people who steal identity and commit fraud to see how much I transfered to cash app. Then they call cash app to pretend to be me and cash app releases them my private information. Then they search for persons name online and start committing financial crimes at their homes, with their bank accounts. Cash app failed at " not releasing my information to strangers '' at " releasing my information to people who used my identity " I contacted cash app several times BUT they REFUSED TO CHAT WITH ME ABOUT IT BECAUSE THEY ARE AT FAULT. THEY REFUSED TO INVESTIGATE IT BECAUSE AT THE END THEY ARE AT FAULT FOR RELEASING MY INFORMATION AND VIOLATING MY PRIVACY. my privacy was violated! LAW WAS BROKEN! Until today they are avoiding me. I'm NOT ALLOWED TO DEPOSIT CASH only bank transfers with trails. They are involved and doing business with people that do identity fraud! I never sold XXXX  from Cash app. Never did identity fraud. Nobody ever demanded money from me through cash app. They are just helping people who STEAL IDENTITY AND COMMIT FRAUD AND TRACE PEOPLES BANK ACCOUNTS TO FIND MORE NEW INNOCENT VICTIMS. Please help me to resolve this!
Product: Credit reporting

I have a bill that have been paid an want to no how to get off my credit Court documents XXXX, deed XXXX, XXXX XXXX court, XXXX tn,XXXX XXXX XXXX XXXX tn XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I spoke to US Bank due to credit card account closure without my consent/acknowledgment. 

US Bank claims that they closed my account because I did not respond to letter/mail that were sent out for address verification ( on XX/XX/XXXX and XX/XX/XXXX ) which I never received. US Bank could not provide any proof of them sent out mail. 

US Bank also did not make an attempt to reach me via phone or email which were listed on my US Bank credit card account. 

US Bank is making a false statement about sending/mailing out such letter/notice because my account is set to receive any/all statement/letter/notice paperless, should received by email only, instead of in the U.S. Mail. 

Once again, I should not be receiving any letter/notice by physical mails, but only by email ( paperless ) and US Bank is lying about mails were sent out to me. 

I also checked, logged into my US Bank online, and copy of such address verification letter/notice is not available. This is usual unethical/illegal business practice of US Bank. 

To CFPB : It is expected that US Banks will respond to this complaint stating that my address on file is not a residential address and it's irrelevant to this complaint. US Bank needs to provide proof of US Mail they sent out to me and explain why they decided to send out US Mail ( if US Bank ever sent anything out via US Mail ) even if my communication/correspondent preference if set as paperless/email and why there's no such copy on my US Bank online. Once again, US Bank fail to use proper delivering method to notifying customer with such notice.
Product: Student loan

I reached out to Sallie Mae via mail. They received my certified letter in the mail on XX/XX/2022. Sallie Mae did not answer anything pertaining to my letter. I wrote them and asked them how they are saying that I owe them alleged debt without proving to me that this debt belongs to me.
Product: Credit card or prepaid card

Synchrony Financial applies credit card payments made after the XXXX of every month ( payment due date ), between XXXX and the XXXX of the next month, to the pervious months billing cycle even if there is no balance due from the previous month. This allows them to apply late fees and interest charges to payments made between the XXXX of the previous month to the XXXX of the next month ( when the statement cycle closes ). This is unethical and they are cheating consumers who are paying their credit card bill in good faith.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of specific information in my ( XXXX XXXX ) report, which I believe to be erroneous. Under the Fair Credit Reporting Act, I have the right to request that you investigate and correct any inaccurate or incomplete information. 

The details of the inaccurate information in my report are as follows : ( Inaccuracy # 1 ) : Capital one account # XXXX opened on XX/XX/XXXX a This is account is incorrectly reporting that I have 4 late payments on XXXX, XXXX reports 5 late payments and XXXX reports 2 late payments.

( Inaccuracy # 2 ) : Capital One account # XXXX opened on XX/XX/XXXX This is account is incorrectly reporting that I have 5 late payments on XXXX, XXXX reports 5 late payments and XXXX reports

1 late payments. Please rectify or delete the aforementioned inaccuracies from my report without delay. The FCRA mandates that you investigate and respond to me within 30 days of receiving this letter. Upon making the necessary changes to my report, furnish me with written confirmation. Your immediate attention to this issue is mandatory. This letter is sent on my behalf, and I have included a copy of my identification for verification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX Balance : {$760.00}, XXXX XXXX XXXX Balance : {$410.00}, XXXX XXXX XXXX Balance : {$4500.00}, XXXX, XXXX, XXXX XXXX XX/XX/1986
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter to Experian about professional finance account I never received a letter about this account. Fcra indicates if company doesnt respond in 30 days accounts should be deleted the certified receipt # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit bureaus ( Transunion and XXXX ) are reporting inaccurate information on the account listed below. I need this account deleted immediately. 

XXXX XXXXXXXX XXXX is reporting inaccurate information. I do not know what this particular debt is about with the following amount of {$110.00} which is being reported on my credit report. I did not get any documents about this debt. I was not given an opportunity to resolve this debt before it was put on my credit report. I did not go to the doctor in XX/XX/2020 as it is reported on my credit score. How am I suppose to pay a debt that I have completely no knowledge about. They refuse to delete the account off credit report if I was to pay in full which causes a negative report which decreases my credit Score. Tried to contact the supervisor XXXX XXXX and stilI as of yet no response. I know that they should be able to delete it immediately if they are reporting it.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Acct Name : Midland Credit Management Account # XXXX I am writing to dispute the presence of certain charge offs on my credit report. I believe that these charge offs have been reported in violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX compliancy requirements.

Specifically, I believe that the information reported by your agency regarding these charge offs is inaccurate, incomplete, and misleading. As a result, my credit score has been unfairly impacted and I have suffered damages as a result.

Under the FCRA, it is your responsibility to ensure that all information reported to credit bureaus is accurate and up-to-date. Additionally, the XXXX XXXX compliance guidelines outline specific reporting requirements for charged off accounts, including the requirement to report the date of first delinquency and the date of charge off. 
Based on my own records, I believe that the information reported by your agency is incorrect and in violation of these guidelines. I have attached copies of my records to this letter for your review.

I am requesting that you investigate this matter and correct any inaccurate or incomplete information in my credit report.

Additionally, I am requesting that you provide me with a copy of the investigation results and any updates made to my credit report as a result of your investigation.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

My financial information has been compromised since approximately XX/XX/23 and continues through the filing of this report. This has been primarily in the form of unauthorized stock sales through transfer agents and mutual funds accounts, fraudulent credit card transactions and transfers from my checking account. In addition, merchant accounts have been invaded attempting the purchase of goods and services. 
These same parties also successfully gained access to the on-line cloud backup to some of my computer files, many of which contain sensitive data and personal credentials. 

Despite actions taken to further secure my information through account freezing, two factor authentication and reissuance of credit cards, the fraudulent activity continues daily. A new bank account is being set up and new e-mail addresses are being set up. It is unclear as to whether any of this will solve this extremely serious and illegal activity. 

My e-mail address has also been captured resulting in filtering certain senders and changing voice mail settings to direct calls to unfamiliar phone mail providers.
Product: Mortgage

On XX/XX/21, I made my last mortgage payment to Lakeview Loan Servicing , LLC ( XXXX ) and they withdrew {$720.00} for Escrow ( taxes, PMI and home insurance ). On XX/XX/21, Lakeview withdrew {$240.00} for PMI. I refinanced and this loan was paid off on XX/XX/21, Lakeview was paid {$340000.00} ( total payoff amount per payoff letter ) to include principal, PMI, taxes and home insurance up until XX/XX/21 ( payoff date ). Starting on XX/XX/21, I made numerous calls to Lakeview at the customer service/billing number saved on my cell phone ( which I always used and was good in the last 3 years ) ; however, my call never went through because their automated system no longer recognized my phone number, social security number and/or loan number # XXXX on file. Therefore, I emailed Lakeview on 3 separate occasions ( XX/XX/21, XX/XX/21 and XX/XX/21 ) using my XXXX email account addressing the issue their automated system is not recognizing my phone number, social security number and/or loan number and I CAN NOT get through a live person or move forward. The only response I received from Lakeview through their automated email system was a generic response, such as, " thank you for contacting us, a more experience person regarding your request/needs will contact you. '' I requested for someone to CALL me, but they haven't til this day. On XX/XX/21, the day of the payoff, Lakeview withdrew {$780.00} for escrow ( taxes, PMI and home insurance ), {$830.00} for interest, {$310.00} for interest again and leaving an Escrow balance of {$4000.00}. On XX/XX/21, Lakeview withdrew {$240.00} for PMI leaving an Escrow balance of {$3700.00} even though the account/loan was paid off in full on XX/XX/21. I visited the XXXX XXXX XXXX website and found a lot of complaints against Lakeview Loan Servicing , LLC and XXXX regarding their illegal and/or unethical practices similar to mine.