23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to EQUIFAX due to improper used of my report and reporting inaccurate information on my file. I sent them a letter requesting to have an investigation to the unverifiable accounts, they stated that they did a proper investigation however when I checked my report the inaccurate information such as date opened, date of last activity, date reported, accounts status and payment history are still reporting. My rights were violated under 15 U.S.C 1681 section 602 A that states that I have the right to privacy, and 15 U.S.C 1681 section 604 A Section 2 stated a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I have a financial account set up on https : //paypal.com, from Paypal Holdings Inc . I recieved a refund of XXXX USD and XXXX USD tax from an XXXX  seller. However, around that time, Paypal unnecessarily put a limit on my account. This stopped me from adding or withdrawing funds from my balance, in total XXXX USD. I spoke to Paypal customer support, who informed me that I needed to provide verification, such as my social security number or address. I do not wish to give them this information, and I want to close my Paypal account and retrieve the balance. However, they have denied me this, and will not refund the amount or return my account to its normal status.
Product: Student loan

My federal student loans resumed in XXXX with my lender AidVantage. On XXXX  I made a payment in the amount of {$380.00} for the month of XXXX with my linked XXXX XXXX XXXX checking account. I got a confirmation email with # XXXX. I then get an email on XX/XX/ saying the terms of my loan have changed and that i now still owe an extra {$4.00} for the month of XXXX. I pay this with the same linked XXXX XXXX XXXX checking account with confirmation XXXX XXXX I then see on my account that my XXXX balance will be {$380.00}. I want to know why my payment has changed already given that this is a fixed standard repayment plan, this feels like fraudulent activity to me and a quick search on the internet shows that others have been having the same issues. To make matters worse I then go to my payment history on AidVantage which is when i see that there is a payment reversal of my original {$380.00} as well as the additional payment of {$4.00}. I checked my bank account and saw that funds were never withdrawn. I then call my bank and they said that there was never an attempt from them to draw funds from my account. I want to know why AidVantage is not allowing me to make payments and why my monthly payment amount is changing. I do not want this to go against my credit. I am just an honest hard working guy trying to pay back my loans. I have been searching for this issue on the internet to find that I am not the only one AidVantage is doing this to and they need to be held accountable.
Product: Checking or savings account

In XX/XX/XXXX, I had fraudulent activity on my checking account/debit card. Wells Fargo Bank put a stop payment/closure on the card and issued a new replacement card. The problem is that as of XX/XX/XXXX through to XX/XX/XXXX, Wells Fargo has allowed a credit from XXXX XXXX to come through all those months against the old card number that was on file with XXXX. XXXX submitted for payment on card ending in XXXX, yet my statement charged against my new card ending in XXXX. I never changed the card information on the XXXX website because frankly, I forgot I had an account with them, and also had a new laptop that no longer needed the XXXX XXXX. I had other charges from companies I neglected to change or forgot about email me about failure to process payment. However, it appears Wells Fargo went ahead and allowed the funds to come out of my new debit card. Had they not, I would have received a notice from XXXX in XX/XX/XXXX, I would have canceled at that time. The representative on the phone with Wells Fargo said that there are times when backdoor transactions are possible. I freaked out! I could see he tried to backstep on his statement. He then transferred me to the Fraud Department. I refused to allow my current debit card to be frozen because of their error. I am making an appointment to go into a local Wells Fargo Bank. I never used the services from XXXX since that laptop was destroyed, and my new laptop came with a full XXXX XXXX XXXX
Product: Debt collection

Santander is trying to collect on repo from XXXX. I settled with superlative adminastration in XX/XX/XXXX. Received 2 phone calls from a media group XXXX called on XXXX and XXXX I emailed documentation to XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a complaint via certified mail. Eqifax did not investigate but deleted the evidence I sent in and verified the debt to be valid. When I called they could not explain why my evidence was deleted. In retaliation now my score has dropped after contacting and filing with the ftc. 
At this point banks, credit and money are worthless. 

This is discrimination
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
XXXX XXXX ( XXXX ), 15 U.S.C. 6801 et seq.

6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq.

5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Debt collection

On or around XX/XX/2019 I received a letter from CKS Financial attempting to collect on a debit for XXXX XXXX XXXX ( DBA ) XXXX XXXX. In the orignial letter it outlined that I personally owed a debit in the amount of ( {$19000.00} ). 

Having never opened this account but having a long history of identity theft I looked into the account in question and called their office. I was instructed that they are a online lending company and all accounts would be opened and funded online. When attempting to discuss the matter, I was informed that they no longer had any information on the account in question. 

Subsequently, upon reeving this information I made contact with CKS Financial the debit collector attempting to collect on a fraudulent account. As pursuant to the FCRA I requested copies of the original application, proof of a photo id which is required according to the Fair Lending Act, and all appropriate information showing ownership. 

Upon submitting my detailed request to CKS Financial on XX/XX/2019 I received a letter indicating they conducted an investigation and the name and address was the same therefore the validation was complete. At this present time CKS Financial has refused to supply proof of ownership and to date has supplied absolutely nothing to validate the claim in question. Based on the information presented I have filed a formal complaint with your office requesting assistance due to the blatant disrespect of the FCRA and its laws governed to protect consumers. At this present time I have turned the law enforcement report validating identity theft along with all material facts to our legal counsel for immediate filling.
Product: Credit card or prepaid card

I have been battling with Synchrony, specifically with my Walmart Credit Card, as to promises for interest being credited back to me, as promised by their reps. I had a rep over a year ago, explain to me that my promotional balances are not paid off first unless I check some spot online, which is not only difficult to find, but also never told to me in the set-up of the account. I brought this to the attention of the reps at Synchrony for my Walmart card and since my card has been open since going back to 2014, they offered the interest credits and I took them. Now, every single time I ask for them to fulfill these promises, I get some cookie cutter responses, like I am not even a person or I matter. I just went online to get a copy of their responses recently, and they " MAGICALLY '' disappeared from the records, after I told a rep I was filing this with you. I am sick of these promises being made and them playing these games! I had the proof to attach to this complaint, as per numerous chat room discussions as well as email contacts on the walmart credit card website, but as I stated, they magically disappeared as of today, which is less than a few hours after I told them to fix this or I am filing this complaint. How is destroying conversations considered legal and fair?
Product: Payday loan, title loan, or personal loan

I got this payday loan from Advance America to pay off the payday loan from XXXX. However, the more I paid off the first loan I had to pay my everyday bills then pay Advance America and got caught up in the cycle. Other daily unexpected events just has prevented me from repaying them.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By Federal Law In 15 USC 1681 ( C ) -2 Block of Information resulting from identity theft of a - 4 Day Block of Information Removal, that's correlated in 15 USC 1681 ( A ) Definitions ; Rules of Construction ( D ) ( 2 ) Exclusions ( I ) The Term Consumer Report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report ; such as collections, repoessions, charge-offs, charged-off as bad debt, late payments, debit to income rational, credit utilization, inquiries any other and all derogatory remarks etc. 
that would put a detrimential affect on his/her consumer reporting file. 

I'm will be seeking {$1000.00} per violation in a separate invoice attached to my Consumer Financial Protection Bureau report in 15 USC 1681 ( N ) for Civil Liability for Willful Non-Compliance and other Civil Liabilities for any derogatory remarks on my consumer file solely to transactions and experiences to all creditors that reported this illegal excluded information to my consumer report.
Product: Bank account or service

On XXXX XXXX I did a balance transfer from the XXXX to my Wells Fargo credit card. As it turns out Wells Fargo left out a number XXXX from my account number. XXXX did not send an error message which is protocol whenever this happens. Consequently a check was sent and evidently did not get cashed. I 've been charged interest on each of these cards. They 've known about the mistake since XXXX and I 've spent countless hours on the phone trying to correct this. Wells Fargo sent me an affidavit and gave me a number of option s, none of which would describe the present fiasco. I had to promise that I would not sue them. Both banks were in error and it 's not in my nature to sue. I did sigh this and still nothing has been done. I just want this straightened out. I do n't want to pay any penalties or any interest I would not have otherwise occurred. Normally I do a balance transfer right when the interest rate goes up. I usually do n't end up paying for extra interest because i transfer the money back because of specials various credit cards have. The XXXX tellers gave me false dates about this when I inquired. I ended up paying for two or three months of high interests. I then did the balance transfer that never was recorded. Please help if you are able
Product: Debt collection

I do not know what they want they call XXXX times a day
Product: Vehicle loan or lease

For 5 years now I have paid on a Santander loan that never seems to lower they will not lower my payments they will not lower my interest rate I pay on time they report to the credit bureau that I'm paying late it's automatically taking out of my savings account every month my over 10 year old car is  costing me {$500.00} a month that I have paid for 5 years or more. They will not fix anything this is been going on for the past several years with too many phone calls and letters written to even count. It's destroyed my credit that otherwise would be fine as I have no derogatory marks on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been notified about either letter I sent, one to remove old and inaccurate names, addresses and phone numbers and the other to investigate inaccurate collections accounts. No disputes open and no action taken. The letters were sent XX/XX/2023.
Product: Checking or savings account

on dates see attaments the bank claims that in XXXX they deposited money in to my accounr which clearly on statment see attachments their was nothing put in to account yet in XXXX see attached statement, was taken out of account when i contacted the bank they said it was an international deposit made with my account number. in which i have never had nor done any transactions of the sort.. and end result they took money out of my account which was never put in to my account in the first place. then took my ssi and ssdi checks for 2 months to cover all the over draft and other charges they applied. caused my rent checks to bounce and almost was evicted. and then they closed my account and would not help me..
Product: Debt collection

I've received approximately 30 calls from the debt collector over the past several weeks ( Starting around XXXX and proceeding through today, XX/XX/18 ). On the first call I was clear with them that I'd paid the debt already with XXXX XXXX XXXX ( XXXX ) and that I had a XXXX balance with them. From there, I verified with XXXX, online and by calling, and was informed that my account was closed and paid. I informed the collection agency pmt-solutions of this on several other occasions and asked them to stop calling. 

They continued calling using an auto dialer. If I answered, I'd usually get the tail end of a message reading off the last few digits of a phone number or I'd be prompted to press 1 and then be disconnected immediately. In cases which my voicemail picked up, only the last 3 numbers of their phone number ( presumably ) " 800 '' were left and no other message. In a few cases, someone answered and I explained to them there was no debt and directed them not to ever call. To contact be via usps if necessary. I've provided them proof from XXXX from the online account, they informed me that the online account might not reflect everything. I explained to them that I verified through the companies customer service over the phone, they told me they can't accept that either. I asked them to reach out to XXXX directly and they said they aren't willing to do so. 

I do not know what to do, I've sent them info and provided it over the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud in XXXX, took over 90 days to follow up on the report. I called every couple of weeks to follow up. I had a new answer every time I called, at one point one of the customer service reps told me they didn't have a fraud department. They would hang up on transfer me around. This is the worst company I have ever dealt with. I asked them to correct the wrong amount on my credit report and they have still failed to do that.
Product: Credit reporting or other personal consumer reports

transunion sent me a document that was written up by them receiving information from this debt collector words coming out their mouth and no proof of me signing anything on any documents as i requested, anyone could have used my name on this debt and i requested specifically the contract with my signature and they sent me another document that is still not valid proof. just because the debtor is saying this is my debt does not mean it is accurate. no proof of when the account was open, my address, my signature and dates of non payment or payments or even where this debt originally came from, whether is was a car loan, credit card, ect/ the proof is not valid according to the fair credit reporting. so again if they can not provide what i am requesting this is my credit and my identity so i have a right to request my signature on a contract that i am being accused of binding into. they have yet to provide that.
Product: Mortgage

On XX/XX/XXXX we re-financed a loan that was held by Specialized Loan Servicing ( SLS ). We paid the payoff amount they told us to, in the time frame they told us to, and the closing went smoothly with no problems, questions, or issues. Eleven days later, on XX/XX/XXXX, we received a letter from SLS stating they would not close our mortgage until they received an additional {$580.00}. Furthermore, if we didn't pay that additional amount within two days, by XX/XX/XXXX, they would return our closing check, keep the loan active, and continue charging interest. I called SLS on XX/XX/XXXX to inquire about the sudden extra charges, and they said it was related to " additional interest that didn't show up, and a tax/insurance escrow shortage ''. They would not explain further. As I examined their latest numbers, I could not see how they came up with {$580.00}. To complete the transaction, I submitted to SLS a cashier 's check in the amount of {$580.00}. This charge seems inappropriate and unfair since we had already obtained from them correct closing figures and abided by their information.
Product: Mortgage

Dear CFPB Agent, I am filing a complaint about my previous mortgage servicer, Seterus Inc. with the business address located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OR XXXX, tel : XXXX, due to the fact i have not received answers to my inquiries and requests for an audit of my account and payments made on my mortgage in 2015. The mortgage servicer did not properly credit my account on a number of occasions XXXX XXXX, XXXX and XXXX XXXX and statements mailed out had errors in them. I contacted Seterus multiple times via phone requesting the corrections to be made and a corrected statement be sent indicating the corrections to ensure proper crediting of my account. As I had not received the corrected statements or any response to my request in months, I followed up with a written request sent via fax on XXXX XXXX, 2015 and subsequently again on XXXX XXXX, 2015. I received a generic letter from Seterus on XXXX XXXX, 2015 confirming the receipt of my inquiry. However, as of today i have not received a satisfactory response and believe the servicer owes me money for the incorrectly processed payments. 
On a separate note, this company has no established procedures for handling client inquiries. When i contacted them via phone in early XXXX to follow up on my fax as of XXXX XXXX, I was told that the correspondence is being handled by a different department and the agents were not able to assist me. Instead they gave me a different fax number. However, I indicated to the agent that the only fax for their company that is known to me is listed on the statement and nowhere on the statement or any mail ever received from Seterus is there a note stating that for correspondence a fax should be sent be to a different fax number. Even the website does not provide any other fax number. How is a client supposed to know if the company does not print accurate contact information on their correspondence with the client. When i brought it up to the attention of the manager on XXXX XXXX, 2015 XXXX XXXX XXXX XXXX, she shrugged it off and said it was not her problem. 
In summary, Seterus Inc should be investigated for the lack of transparency in handling customer inquiries and accountability for their errors. It appears there are no established process in place to handle basic operations such as customer inquiries and no quality control processes to prevent errors in payment processing. 
Unable to resolve my issues and faced with extremely poor customer service for the past 5 years i decided to transfer my loan to another company. Seterus Inc should not be in business.
Product: Credit card

XXXX ring credit card offered as 0 % transaction fees .... False. Charges 1 % but only states after you apply. .... Fraud.
Product: Vehicle loan or lease

Exeter Finance repo this vehicle with my ex-wife. After being repo from her they stated that I will given a chances to keep the vehicle in 10 days. Exeter Finance violated the Fair Credit Reporting Act because they did not send a certified letter within 10 days of the vehicle being repo. I never received any documents on these vehicle sell date or auction date. I was never given a chances to buy back this vehicle or pay the past balance.