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

On XX/XX/year>, multiple payments were taken from my account which were unauthorized for various amounts from the vendor XXXX. The following were the amounts, in the order of which they were made : {$95.00}, {$100.00}, {$10.00}, {$100.00}, {$40.00}, {$50.00}, {$80.00}, {$80.00}, {$80.00}, {$80.00}, {$80.00}, {$98.00}, {$98.00}, {$99.00}, {$900.00}, {$990.00}, {$990.00}, {$990.00}, and {$25.00}. This effectively drained and overdrafted my checking account. 
I have been in contact with my bank, Wells Fargo about this incident and they had given me a provisional credit on XX/XX/year>. However, the case is still open and Wells Fargo will not give me any information other than saying they are still investigating. This does not make sense to me as I was traveling abroad at this time and would obviously not drain my account myself while I was traveling abroad. I explained to Wells Fargo when I initially called to report this ( upon my discovery of the incident ) that I was traveling abroad and this was the only card I had, but they did not seem to care and left me to travel abroad in a foreign country with no funds. I would like this issue to be resolved and the case to be closed.
Product: Credit card or prepaid card

I had 2 Synchrony accounts. One was Care Credit they gave me in the beginning a {$14000.00} limit, then went down to {$6000.00} then {$4000.00} then they closed my account without notice. Doesn't matter the balances or credit lines here, ... LOWES synchrony card beginning was roughly a {$4000.00} line then went down to around {$2000.00} don't have exact figures in front of me. My point is they closed both my accounts without notice I am continuing to pay the balances as promised. They blamed it on my credit score going down. There are literally thousands of other people ( consumers ) they've done this to no warning. Same explanation. This has caused a very negative impact on my credit report because it shows " closed by company '' And Not " CLOSED BY CONSUMER ''. This is unfair business practices and it has really affected my life in a very detrimental way. I want to sue them! This is wrong! They need to be punished!
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A. States that I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit card or prepaid card

EQUIFAX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EQUAFAX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX XXXXXXXX XXXX XXXXs and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX Credit Card XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Equifax XXXX XXXX Banks and XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.
Product: Credit card

Hello, I applied for and received a secured Bank of America Visa in XXXX, 2014. 
That month, I was charged an annual maintenance fee of {$39.00}. I had no idea that the annual maintenance fee would be charged the same month as the opening of my account. 
I did n't charge anything on this card for several months so there was no need for me to check my balance. 
I had no idea that the annual fee had been charged to my account and as a result, since I was n't using the card, I did n't make any payments. 
In XXXX, I realized that my account was in default due to the annual payment charge and I immediately paid the entire amount. Now, all XXXX credit bureaus are showing a past due entry of XXXX days. 

I have attached a copy of my credit card agreement from Bank of America which outlines the stipulations that I had to agree to in order to obtain the card. The {$39.00} annual maintenance fee is mentioned, However there is NO mention at all of the date when the annual fee is supposed to be charged. Nothing at all. 

If there are consumers such as myself who receive a card and do not make charges, it is only logical that they would assume that there are no payments due on their card. The agreement says absolutely nothing about when to expect the annual fee to be charged. It should at least say that the charge will appear " X '' days after the card is approved in order to give the consumer a head 's up. 
I would like the " Late Payment '' remark removed from all XXXX credit reporting bureaus. The date that the charge was going to be made should have clearly been included in the Bank of America credit agreement. 

Thank you very much for your time, XXXX XXXX
Product: Credit reporting

I had XXXX XXXX XXXX as my provider. I wanted to change my plan, so I brought the account current and when I update my plan I was quoted {$180.00} a month. The XXXX bill I received they charged me over {$240.00}. I called and let them know that that is not what I was quoted. They said they would fix it. I received the next bill and I was overcharged again. I called and they stated that they would again fix the issue. I told them that I planned to terminate my service and that we needed to settle the dispute. I send them a history of my payments, I did so with no response. I then discontinued my account with them. They contacted me and told me it was a remaining balance. I sent in again my payment history and they said again, they would contact me with an update. It has now been reported on my credit report. I disputed the charges and they were removed. I checked back later and they are back on my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/23 a formal dispute letter was sent to equifax to express my concern with a few items i deemed to be inaccurate. I have yet to receive any response or acknowledgement from them in regards to my dispute i wish to have these items correctly immediately.
Product: Money transfer, virtual currency, or money service

I am writing to complain about a new practice at PayPal of holding money paid for goods and services. I sold a bike frame to someone. They paid via PayPal for goods and services. PayPal put the money on hold after they took their 3 % cut to protect the sale. I sent the bike frame, put the tracking number in the PayPal system, and the bike has now been delivered. 

However the funds have not been released. Even though we are within business hours, there is no way to contact a human at PayPal to discuss this. I have tried multiple ways for hours. 

This hold is explained as reflecting the unusual activity or risk or other issues. Yet I have paid 3 % for them to move the money. And I do not fit any of the categories that they claim on their site explains the hold. This is not unusual activity fro me, I am not a new customer, my account is very old, and I have an XXXX credit score and no " risk '' to explain. 

And there is no way to get this money released as far as I can tell. I have done what they say to do. The buyer has the goods. The money is not released. And there is no way to contact them. 

I'd also emphasize that I did not agree that the money woudl be held. They did this *after* the transaction was done. I think this is fraudulent. They should at least be required to say before the transaction is finalized the money will be held, and they must have clear criteria for the release *and* personnel available to discuss problems. 

Anyway that is my complaint. There is no choice but to use this company. They should not be allowed to act like this. 

XXXX XXXX
Product: Mortgage

Rocket Mortgage ( Quicken Loans ) gave me a pre-approval to buy a condo in XXXX XXXXXXXX XXXX XXXXXXXX XXXX the buyer of this condo accepted my offer back in XX/XX/XXXX. After months of waiting for a closing ( closing date was supposed to be XX/XX/XXXX ) they called me last Friday to tell me that they received a questionnaire from the HOA at the resort and because there are rentals at this resort Rocket Mortgage declined my mortgage. This questionnaire to the HOA should have been done prior to my pre-approval and my mortgage acceptance. 

I have been paying rent on this condo since XXXX waiting for closing and I spent {$5000.00} to move from XXXX NY and now I might have to move because buyer is tired of the wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my credit report from all three bureaus from XXXX. Once I got them and looked them over I noticed unauthorized activity [ FRAUD ] on all three credit reports. When I saw this, I contacted XXXX and XXXX immediately -- They acted IMMEDIATELY with disputing the unauthorized items on my credit report, and they placed a fraud alert on my account to protect me from Fraud. Their services were awesome, and they were so kind. 

CAN'T SAY THE SAME ABOUT TRANSUNION. 

I contacted them, and told them that I have unauthorized activity on my account [ INQUIRIES THAT I DID NOT AUTHORIZE ] and they completely gave me the run-a-round, saying they couldn't and would not help me. The people I talked to were rude. They have no IDEA the trauma that goes with fraud. It's sickening to know that these people won't even help someone that's experiencing something like this. The only thing I needed disputed and deleted were ten inquiries that I DID NOT make.
Product: Checking or savings account

For about a month I have suspicious activities going on, on my personal checking account. Someone is using my checking account and wiring money from my bank to another bank. I have to call my bank every week to dispute a charge. My bank is not doing anything to secure my checking account. My bank can't explain what's going on with my checking account.
Product: Debt collection

Americollect has called me for about five months now attempting to collect a debt that I had no knowledge of. I was never notified in writing nor did I have any chance to dispute the debt. When called, they would not send statements, would not negotiate debt, told me to take out a loan to pay or deal with the credit effects. Super rude and harsh people that harass you nonstop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for this problem against XXXX  but now I see that its on XXXX  and Experian. On XX/XX/XXXX during a doctors visit for my eyes was declared legally XXXX. I was told by the eye doctor I could not drive anymore. Having a car still under finance by XXXX XXXX XXXX. What am I supposed to do. I reached out and contacted XXXX XXXX XXXX  and informed them I was not allowed to drive anymore. XXXXXXXX XXXX XXXX advised me I could do a self surrender of my car to XXXX XXXX XXXX. And they would take the car to auction and sell it. If the car sold for more than my loan. XXXX XXXX XXXX would pay the loan off and give me the difference. If the car sold for less thanwhat was owed on the loan I would have to pay the difference. I washed waxed and clean my car and set it back to factory specs. Also to make sure my car was safe and not ticketed or towed by the city government I had my car taken to my cousins house where it could sit in the driveway for the tow truck driver to pick it up. I called XXXXXXXX XXXX XXXX gave them my cousins address and my cousins husband had the keys for the tow truck driver. I called XXXX XXXX several times to make sure they got the car. The car was picked by by XXXX and sold at auction. The loan was paid off and the difference sent to me. So I would like to know where XXXX, XXXX, and Experian get off liking and calling the car a repossession. How is a car repossessed when I called XXXX XXXX XXXX and agreed to surrender it so it could be sold to pay it off. I cant drive anymore because Im legally XXXX. I called XXXX XXXX XXXX XX/XX/XXXX to confirm it was a surrender. XXXX XXXX  said yes it was a self surrender and if it was called a repossession the credit beurea did it not them. XXXX XXXX XXXX is sending me the paperwork they have saying self surrender. So the credit agency made this up. At no time was the car set for repossession. But the credit agencies decided to damage my credit for 4 years by making this assessment on their own. They were not on the phone with me nor XXXX XXXX XXXX. And frankly its discrimination against a XXXX person. I dont have the means to even pass the eye test to drive. But the credit agency wants to list my car as a repossession. From here Im reaching out to the national foundation for the XXXX XXXX department. Because this is discrimination. Its my fault because Im physically not able to drive anymore. So if get XXXX  thats my fault too?
Product: Credit reporting, credit repair services, or other personal consumer reports

On several dates ranging from XX/XX/XXXX-XX/XX/XXXX, I have sent letters regarding inaccurate information being reported on my credit report. It has been well over 61 days and I have not received a response yet. I believe that my disputes have been ignored without receiving a proper and reasonable investigation. As per FCRA Section 611 ( a ) clearly states that failure to investigate a consumer dispute items within 30 days, the account in dispute should be removed immediately from the consumer report. It has been over 60 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the amount of time this has gone on for and this situation is stopping me from obtaining employment as well as credit. I have also sent letters to let them know that I was impacted from the XXXX and XX/XX/XXXXXXXX breach and have got no response.
Product: Credit reporting or other personal consumer reports

This is not my loan. I did not apply for this loan. Although my name, birthday, and Social Security number are correct, I do not live in Kansas, I have never lived in Kansas, I dont know anybody that lives in Kansas XXXX I have never gone to school in Kansas, nor did I receive this student loan or ever profit from it. I do not know the people listed as references in the XXXX document, XXXX XXXX or XXXX XXXX. I do not, and have never owned or had access to the email and/or phone number listed on the loan account. In XXXX of 2023, when these loan documents were submitted, I was living in a domestic XXXX shelter in XXXX XXXX, FL and I have documentation to prove that, as well as documentation to show that on XX/XX/year>, just 4 days after the documents for this loan were electronically signed, I was signing a 12 month lease agreement for a XXXX apartment in Cape Coral XXXX FL. I would have also been 4 months pregnant, and have documentation of my XXXX and the several doctors appointments I was attending, in person, in XXXX XXXX, FL. I contacted NelNet several months ago with all the same information above, and was never responded to. I cant get approved for any student loans to actually use myself, because a stranger took out this loan in my name, and most likely did not put towards educational expenses, and the information they provided was never questioned, despite the several misrepresentations they reported in their application documents.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting the significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Credit reporting or other personal consumer reports

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

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

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

On XX/XX/year>, I purchased a washing machine at XXXX and opened an credit card account. The total price was {$580.00}. 

When my bill arrived, I misplaced it in the hustle leading up to XXXX. 

I paid a number of bills online via a money transfer from my XXXX account on XX/XX/XXXX. I found the information to transfer funds to Synchrony Bank and approximated that the washer was about {$550.00}, knowing that there may be a balance remaining for the next bill. 

The XXXX bill was {$690.00}, which included XXXX extra purchase and interest of {$16.00} and a late fee of {$30.00}. I subtracted the {$550.00} from {$690.00} and paid the balance. 

In XXXX, my bill was {$550.00}. I appealed and submitted my bank statement and transfer confirmation from XXXX XXXX 

That process has been repeated XXXX more times, each time asking me to send my bank statement or owed money. 

When I have called and asked to speak to a person, I get someone who is reading a script and telling me I owe money. They will not forward my call to a supervisor and by email or by post, I have had the same impersonal XXXX XXXX generated response. 

I do not know what else to do but file a complaint with you.
Product: Debt collection

XX/XX/2022 a payment of XXXX was made after company purposely made late fees come in hand. After company withdrew and confirmed payment weeks later the payment came up as invalid and still not returning the money after had already taken it. Looked on online for reviews of Company Driveway Finance and seems like theyre known to scam their customers. Along with taking your money and causing late fees to occur on purpose, the customer service dont know what theyre doing and lie about errors, payment refund and late fees being deducted.
Product: Credit reporting, credit repair services, or other personal consumer reports

My new account is with XXXX. XXXX keeps reporting me delinquent when they transferred the loan to XXXX in XXXX or XXXX. I want all XXXX to be removed from my credit report. They are committing fraud and hurting my credit profile. They should also be past the the statute of limitations on reporting.
Product: Prepaid card

I applied for unemployment, and it was granted in XX/XX/XXXX in the state of California. I didn't try using any of that money while I was living off savings, now I need this money, and my card won't work. I tried using it at an ATM, it didn't work. 

I called in XXXX, around XX/XX/XXXX, and was told that I can't access the money, and that I need it to pay rent. They told me that they have to mail me a check that would take 10-14 days. I explained that I need the money for rent, which is due in a week. They essentially said " too bad ''. I really tried to make this work- I offered to drive to a location and pick up a check, or money, they said no. I said they could wire the money into my regular bank account, they said no. I said they can pay my rent ( my rent is about {$1800.00}, they have about {$4000.00} of my money ), and mail me a check for the rest. I asked if they can overnight payment, and take the cost to overnight from my account, they said no. 

I paid my rent using my credit card, and I don't have any of my money yet. I called them on XX/XX/XXXX, and agreed to have them mail me a check, they told me it will arrive in 10-14 days. It's now XX/XX/XXXX and no payment has arrived, I called them again, and they said they mailed it and I need to wait, and if I don't get it in the next 5 business days, I can call and they will reissue. I explained that I've already been waiting weeks for this money, if they reissue will it take another 2-3 weeks? They said yes. 

The issue is Money Market has been holding onto my money and not allowing me access to it. I also have rent coming up for next month now. I don't want to put another months rent on my credit card, and I didn't want to put the last month on my credit card. Because of this delay I've been looking at interest, and other losses because Money Market won't give me my own money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing this message in order to inform you that I found out in my credit report inquiries that I have never authorized. I do not recognize any of them. This is highly detrimental to my credit rating. I have never gave any permission to any company to do something like this. So please remove all of them as I can not move on in my life when I have unknown information in my credit report.
Product: Checking or savings account

PNC won't let me authenticate my account through third party linking services such as XXXX. This makes it impossible for me to conduct transactions in a timely manner in this day and age.
Product: Credit reporting or other personal consumer reports

According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law