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

XXXX XXXX I called USAA Savings Bank for information on fraudulent activity on my bank accounts. I reported that I received calls and security codes on my phone from USAA. They stated that they made no calls and immediately closed my banking services and exercised their right to do any future banking with me. 
I appealed several denials to investigate and restore my service. In one of the calls I made to USAA to find out what was going on, a banking representative stated that I was denied banking due to a report I made to them in XXXX stating that I had been defrauded in romance scam. I immediately appealed that this report was fraudulently made and authenticated by USAA who may have given access to the imposter to my account and banking profile. I asked for the date and transcript of the call and received no response. I did however transaction by transaction contest all unauthorized transactions made to my accounts. Within 7-10 days there was a statement from USAA making permanent credit reversal of most transactions. As far as I am aware USAA did not reverse an unauthorized transaction to my account made in XXXX on my ATM. I was not in XXXX, had possession of my ATM card and did not authorize the small purchase. It may be somehow due to USAAs compromise of my account, cards issued and profile in XXXX. 
I was a 30 year banking client of USAA with a very good record. Today all my personal identity information except my passport have been compromised. I have taken all steps within my power to protect myself. Due to this situation, I will have to engage services to audit my credit and accounts for the rest of my life. I would like USAA to be transparent and held accountable for any breach they caused which has resulted in my identity theft, whatever is deemed appropriate. 
Thank you for your time & effort. Please call or email for any questions. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These are some reports I would like to remove from my report both XXXX  and XXXX. Im a poor hardworking XXXX  and my car got stolen back in LA with all my documents and valuables and I suffered a major loss. Kindly I want assistance in removing all this stuff from my reopening and cleaning it as Im really XXXX  and due to these collections I can not get a place to rent or a 1BR apt . I really appreciate your assistance and cooperation in removing these items from my report and closing my account. Kindly assist me and remove these items from my report as Im already struggling with XXXX  debt and XXXX  and unable to get a place an apt 1br to rent as due to these dings and information on my report. I sincerely urge and requesting to remove this and close this information on my report so kindly remove this from my report. My everything got stolen and lost major documents and social so I was struggling making new documents and aswell my car got stolen which the police reports are attached. I sincerely appreciate assistance in contacting these companies and removing from my report as my credit got mishandled.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is showing inaccurate information the balance is incorrect and also still showing Disputed multi times with XXXX  and they stated its accurate i attached info showing my balance and that whats reporting and how is incorrect i asked for this to be Deleted from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block anyitems which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$870.00} ; XXXX XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$5300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$32000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$44000.00} ; XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX  XXXX Balance : {$4200.00} ; XXXX XXXX XXXXXXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXXXXXX Balance : {$300.00} XXXX XXXXXXXX Balance : {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate , correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card or prepaid card

A non authorized credit card application was submitted to Chase Manhattan Bank. In response to this Chase denied the card and that resulted in 52 points down in my XXXX XXXX credit report.
Product: Credit card

On XXXX XXXX 2016 I was contacted by Capital One 's fraud department in regards to my credit account. According to their representatives someone called them, verified all of my personal information, and attempted to change the billing address and email address listed on my account. This follows a separate fraud attempt about 3wks prior where someone had called attempting to add themselves as an authorized user to my account. The card they issued fraudulently was frozen, and I 've since closed this account and placed an alert in my credit file. I 'm troubled that Capital One would not provide me, as a victim, with documents and information related to this fraudulent transaction using my personal information as required under the FCRA. I asked the name ( s ) of the person who requested to be added to my account along with the email address ( es ) and billing address ( es ) they attempted to use but was told by the representative that I could simply file a police report using the case number they gave me. I find this unacceptable as without specific information the police department in my area is very unlikely to be able to follow up, giving this individual the opportunity to defraud me further or defraud other individuals.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I used PayPal to send {$30.00} to my husband who was out of town working for gas money to get back home. I used the e-check option but since there was an unauthorized transaction on my funding account the transaction was unable to go through on XX/XX/2021. On XX/XX/2021 it was re-presented again to my financial institution and cleared at XXXX CDT. I have called PayPal numerous times and spoke to supervisors as well as in online chat and they all continue to tell me that the transaction has not cleared my bank although I have submitted official statements from my bank. The day it is told to me that the funds would be available has changed from the XXXX to today the XXXX and the funds still show pending and they refuse to post the money.
Product: Checking or savings account

I deposited a check in the amount of {$3000.00} on XX/XX/XXXX  at Truist Bank ( from which is now believed to be a scam from a corporation ). This morning XX/XX/XXXX I received a notification that my funds was on Exceptions/Administrative Hold. Truis bank has defaulted my account and double the amount of funds. Now my account is negative {$6100.00}. After calling and speaking with the bank representative she instructed me that their isn't anything they can do and they can't even be any investigation or any guidance into the matter until my negative balance have been resolved. I explained to her that I don't have that kind of money and that's the reason for my call because I don't have any funds. The representative just told me there isn't anything that they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law.

I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of these fraudulent items, the following account remain on my credit report : XXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  / ACCOUNT NUMBER : XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information.

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that these fraudulent accounts are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I checked my balance on the Cash App and it was around {$3700.00}. On XX/XX/XXXX, I tried to send money to someone and the app showed {$0.00} balance and I couldnt send money. There was no debit card or bank account attached to my cashtag $ XXXX. I tried to retrieve my account and it was unavailable. I opened a new one named $ XXXX thinking I could merge them. I couldnt. I contacted Cash App Customer Service on XXXX and XXXX messenger and email. They said they would get back to me today. Its been 24 hours and I dont have my money and they have said that they are not going to engage anymore. My money is gone and my rent is due and they dont have a phone number or any way to explain what happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the " three '' credit reporting agencies and have reported to them my most up to date information and they continue to have multiple addresses that I have no relation with on my credit report and weird invalid phone numbers!

I have spoken to a human from all " Three '' and have received robotic irrelevant responses thus far from the credit report agencies via USPS..

When it comes to my credit ; a human should be working and hopefully my letter ( s ) haven't been thrown thru a automated machine.. Things have been validated when things are absolutely invalid and wrong/incorrect ...

When I have disputed Hard Credit Inquiries I have received letters explaining what they are and not upholding my rights and actually investigating the inquires. I'm tempting to sue the " Big Three '' for I  feel I'm not being taken seriously as a consumer and VERY unhappy with them not following the RULES and the LAW!
Product: Payday loan, title loan, personal loan, or advance loan

It was a loan through store meineke I invested a total of {$2300.00}, {$700.00} of it being a loan and my car was never fixed.
Product: Credit card or prepaid card

Was denied a credit limit increase denied access to funds that are already mine, account paid in full upon the opening of the account my account / credit card has an open end credit plan
Product: Debt or credit management

Consumer Legal Group contacted me by phone about removing debt and creditors completely from my credit report. I did sign the paperwork that was provided. however after 3 months, I spoke with another credit repair company that stated no action had been made against any of my creditors and I should report clg as it may be fraudulent. at the end of paperwork there is a link to FTC but it does not connect to Federal Trade Commission. I was skeptical about their procedures and talked to them saying to please cancel all further action, money withdrawals and to refund my money paid as they had no action completed as they stated they would proceed to do. their objective as known to me was to contact my creditors as they had all been sold to second parties and they would prove the paperwork provided to them would be inadequate for pursuing my debt and they would be able to remove all bad credit from my credit report. after speaking with XXXX XXXX XXXX i have contracted with them to pursue payment on my debt after speaking to them on my behalf to see if a reduction in amount due could be agreed upon. 
i have filed a fraudulent action at my credit union based on money withdrawn with no action. Please look into the company and advise if any recourse for reimbursement can be made. i feel it may be a scam to receive money and not provide action at all.
Product: Credit reporting or other personal consumer reports

I am disputing the information reported on my credit report regarding an account with DIVERSIFIED ADJUSTMENT, which is listed as a collection account with a balance of {$710.00} as of XX/XX/scrub>XXXX XXXX The account was opened on XX/XX/year>, but I do not recognize this debt or have any prior knowledge of any dealings with either DIVERSIFIED ADJUSTMENT. 

There have been no communications or notifications from DIVERSIFIED ADJUSTMENT that I am aware of regarding this account. Given that I have no record of this debt, I am concerned about the legitimacy of this collection account and request verification of the alleged debt. 

Additionally, my personal data was recently exposed in a data breach, which could have potentially resulted in unauthorized accounts or debts being reported in my name. I seek clarification and documentation to validate this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes for all of the following information on my experian credit report. looking at my credit file ive noticed alot of inaccurate data that needs to be removed. please review an delete all items asap.
Product: Credit card

Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. 
My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? 

I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is why they continue to harass me after I tell them to stop. I told them it is illegal to phone me after I told them to stop, they just laugh, and continue to harass. Debt collection is outsourced by Synchrony Bank, foreigners are doing the harassment.
Product: Credit reporting or other personal consumer reports

All student loans with Navient and XXXX DEPT OF EDU are all fraudulent.
Product: Credit reporting or other personal consumer reports

XXXX added a person to my insurance that I did not authorize which made my insurance shoot up {$800.00} The person don't even live at my address, car not in their name Then they send it to a 3rd party collection Account info XXXX XXXX XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 

Status updated XX/XX/XXXXXXXX XXXX
Product: Credit card

I was approved for a 24 month " Citi Flex Plan Loan '' on my Citi Double Cash Card on XX/XX/2023. The monthly payment was added to my minimum monthly payment and I was advised to select the " Adjusted New Balance + Flex Plan Monthly Payment '' option for autopay, to avoid paying my plan early. The description for this payment reads, " This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. '' However, any amount over the minimum monthly payment that I have made has been allocated to my 24 month loan. I now only have 6 monthly payments left on a loan I had planned on taking 2 years to pay off, and my interest accruing balance continues to grow, resulting in higher monthly payment requirements. 

For example, my XXXX statement indicated that I would be charged for an adjusted new balance of {$2800.00} and that my Flex Plan payment amount of {$370.00}, for a total of {$3200.00}. Despite my payment plan clearly stating that it would not include Flex Plan payments due in future months, my XXXX statement, and a Citi representative, confirmed that all {$3200.00} had been applied to Flex Plans and that the {$2800.00} remains and is accruing interest. 

The XXXX payment I made, based on the XXXX statement, is what brought the issue to my attention. Similarly, all of my XXXX payment that was over the Flex Plan payment also went to future monthly payments, instead of the adjusted new balance. 

I spoke to representatives at Citi on three separate occasions. On the first call, I was hung up on while I was on hold. On the second call I was told that since my adjusted new balance was receiving a low promotional rate that they chose to apply it to the higher monthly rate Flex Plans. I explained that, per the agreement, I had to pay the interest rate of the Flex Plan regardless of if I made early payments and that my adjusted new balance was going to switch to a higher rate the following month so it would be in my best interest ( and per the payment plans description ) to pay off the adjusted new balance and not pay future months off. They said they would look into it, but would provide me with no reference/confirmation number or any names so I could track the case. On the third call I reiterated the wording on my statement and my autopayment plan and asked for information on how to escalate the issue to a higher level ; however, they refused to do so and would not provide a way to track the case, and they advised me to " call back to check in ''. 

In summary, Citi is calculating my automatic monthly payments one way, and detailing that in my statements and payment details, and allocating the amount I am paying in a completely different manner. This is resulting in large monthly payment requirements, and interest to accrue on an increasingly growing balance. I am also not able to enjoy the benefits of the 24 month loan I took out, as I only have 6 months remaining on a plan that should still have 22 months remaining.
Product: Credit card

I was charged for something on my account that I didnt know what it was so when I try to contact the company cashapp for support nobody could help me because they dont have a ( 1-800 ) number for me to call
Product: Credit reporting or other personal consumer reports

According to 15 U.S. Code 1681r - Unauthorized disclosures by officers or employees unauthorized disclosures of personal information is against the law. This company violated my rights to privacy reporting unauthorized information to my credit report. ( 15 U.S.C. 1681 ) regulates the use and disclosure of consumer credit information. Unauthorized disclosure of such information can lead to penalties and is against the law. Accuracy and Fairness : The FCRA requires that credit reporting agencies maintain accurate and up-to-date information.