23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX, XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 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 a account without my written instructions
Product: Debt collection

During a recent review of my credit report, I noticed an account placed for collection from Aargon Agency for {$260.00} for a XXXX account. I contacted XXXX and was told my most recent account in noted as closed and paid, over 10 years ago. I have never done business with Aargon Agency, and to date, have received no communications regarding our relationship or any attempts to collect this alleged debt. Had this happened in accordance with fair debt collection standards, I would've have an opportunity to request validation of this debt within the allotted time frame. Please provide the address and phone numbers used to attempt the debt, along with copies of the statements & debt validation forwarded to me. Please also provide a contract with my signature where we've entered into agreement to do business and any applicable billing statements demonstrating my financial responsibility for this account within 7 days, or immediately remove this from all 3 credit reporting agency accounts. This is creating an undue hardship on me and my financial status.
Product: Money transfer, virtual currency, or money service

PayPal has scammer system and close my account after I sent all document. 
PayPal Close my account without any reason. PayPal XXXX ID - XXXX PayPal close my account for any reason. 

I sent selfie with my id, proof of address, and bank Information. I was waiting somebody can help to me but PayPal system is Automatic close and limited Account for avoid that I can use my money that I have. I m feel really frustrate and PayPal doesn't want help me with that issue. I have proof and evidence about my case. my email is XXXX and reference : XXXX XXXX. 

Paypal is not working appropriate with the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the XXXX credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I took a loan out with them to get my semi truck license. They tell us if we don't pay the loan they take away our license and put us in prison for non payments. They also never have a set amount on intrest like when I pay XXXX one month XXXX will go to intrest and then the next month only XXXX will go to intrest the next month. They will also hound me call when I first got the loan called ever 30 minutes back to back XX/XX/XXXX. I also got an email from a trucking company saying they like to higher me and they take on my loan. Im wondering if they sold information on my loan to other trucking companies without my permission. Recently they been calling me when I'm sleeping as I work nights. An because of its been braking my XXXX hours of sleep I need to operate my semi truck safely. The intrest rate is also never the same amount it always changing every time I pay. I also have not gotten a email or mail saying how much went to intrest and how much went to the the principal. Since this XXXX and there are some month where I never got the mail or email on the loan. Also they changed address and never up date the paperwork I used to get In my email. I had to call them to get where I was to send the payment to by mail and it was frustrating. Some time I send them a money order in the mail around the XXXX or XXXX and they won't deposit it till the XXXX or XXXX of the next month and clam it was late an such. I did that for a few months before I got sick and tired of them sending me an email saying it was late then not deposit it till later. know I have pay about XXXX in total so far and the loan was only XXXX if I remember right. An even working with them is hard as they sometimes will give me XXXX for over paying them at times. They also never told me what the total amount for of money that be for interest. The paper says it's 18.99 % but never said the amount of interest is like XXXX I believe is about the interest. I have also heard from other truck driver will pay it off an the loan an the company will reopen the all ready pay loan again for no reason. I'm wondering if i have all ready pay off the interest and they are just tackle more on. I was also looking at my state license so they have a license for debts collectors and another one but there corporations license has been expired since the XX/XX/XXXX. Doses that affect them being able to do business here? Know there over charge me and there not telling me how much I have left on intrest only how much is on the principle. An I thought it was supposed to be group together as a total. As when I bought my first car they had shown me intrest and values an other stuff add together to show the total I was to pay.
Product: Checking or savings account

Hello, I had a security issue with my phone and decided to upgrade all financial account logins and passwords. I did so with no issue on XXXX XXXX XXXX When it came to PFCU the site would not process the updated password, I tried 2-3 times thne the next business day called in and spent over an hour trying to resolve. Finally I got a manager XXXX  who was polite and attempting to do what he could but after over 2 weeks there has been almost no reply and no solution to update the security of my accounts. I have also had trouble receiving email alerts that statements for credit cards are available. It is important as this is the way I know they are due to be paid. PFCU admittedly has had issues with their online presence. Minor things not working is frustrating but tolerable. Not being able to update and better secure your accounts is not. Maybe some prompting from your agency will help all PFCU members. Note- the customer service people are very polite and professional, but the management overseeing their online presence should be replaced. Thank you
Product: Checking or savings account

I have a checking account with HSBC. The account was hacked on XX/XX/2018, and a fraud wire transfer of {$8200.00} was made. The wire transfer intended to send money to XXXX XXXX. XXXX XXXX contacted me on XX/XX/2018 because they thought this wire transfer was suspicious. I confirmed that transfer was fraud and contacted HSBC on XX/XX/2018 to cancel the transfer. I was told by HSBC that the money will go back to my account by XX/XX/2018. I haven't seen the money in my account yet so I called HSBC on XX/XX/2018 to inquire about the status of my money. After a long wait, I was simply told the transfer was cancelled and the money will be back to my account in a couple of days. I called HSBC again on XX/XX/2018, but the money was not in my account yet. I have difficulty in reaching a HSBC representative who could tell me when the money will be back to my account. I would appreciate it if you could help me find out when the money would be back to my account. 

Because it was extremely difficult to reach a HSBC representative, I filed a complaint through their live chat on XX/XX/2018 ( the confirmation number is XXXX ). However, none contacts me yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2300.00} XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

Citi credit card approved me with a {$1000.00} credit limit. I received letters and emails congratulating me on being approved and welcoming me to the Citi thank you card.

When I received the cards in the mail ( one for me and one authorized user ) I called the number on card to activate as instructed.

Citi employees said they could not activate my cards. Said they needed to send me a text with a code to verify, then said that their system would not allow them to send text???

I called 5 different times and got the same ridiculous answers. I did try to activate online but Citi website did not function properly but I was able to set up online account access with Citi mobile app!!!

I am frustrated with Citi. I instructed their representatives to close my account since they could not activate. They said that they could not close my account as I requested???

So, I have a credit card issued by Citi with {$1000.00} credit limit, can not use card because they say that they can not activate it, and they refuse to close my account as I requested!?!?!?

Citi is not a reputable company and I believe has committed fraud.
Product: Vehicle loan or lease

XX/XX/XXXX XXXX $ was taken out of my account but put back in and then on XX/XX/XXXX it was taken out again but my bank account available stayed the same. 

XX/XX/XXXX XXXX $ was taken out and put back in and then charged XXXX two or three days later. 

Made a payment online XXXX  XX/XX/XXXX and no record was ever shown but I received a confirmation number and I never screenshot them cuz I never have had a problem and now my car has been repod and I have to come up with XXXX to get my car back. I was told 3 different things by three different people. The first one asked me if I wanted to do a payment plan ( I think ) and I said no as I didnt understand what he asked and he also told me that I was only 82 days late I informed all 3 people of me making that payment and its like they never even heard me. The last guy told me it didnt sound like Id come up with the money to go ahead and go get all of my belongings and my license plate. When I get my car back theyre definitely losing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account number XXXX 15 U.S.C 1681 section 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 with my written instructions.
Product: Vehicle loan or lease

On XX/XX/2017, I purchased a brand new XXXX  XXXX XXXX from XXXX XXXX XXXX XXXX. The total amount financed was {$23000.00}, after putting {$500.00} down with a {$4000.00} rebate. I went through the normal process ; getting approved for financing which required my mother and I to provide proof of employment ( a months worth of paystubs ), signing a million documents, and eventually driving home in my brand new car. My mother lives in another state so the dealership had to send the documents in the mail for her to sign but I was still allowed to take my car home that day. They just told me that they would contact me once received, so I could come back to the dealership to get my temporary tag and pick up a copy of my executed contract. On XXXX.17, I received a call from Exeter Finance Corp, the finance company, stating that they had to contact both of our employers to verify employment and needed numbers. This clearly didnt make any sense to me since we both had already provided our pay stubs and were approved for financing on XX/XX/XXXX. Then on XXXX.17, I received a call from the finance guy, at the dealership, saying that Exeter called and said that they weren't going to finance me anymore because the income provided for my mother was incorrect. She provided her pay stubs for a whole month which were obviously accurate. I told the finance guy that this made no sense and that I would be contacting Exeter after I got off the phone. I then called Exeter and spoke to XXXX, in the buying center, in reference to my account. I explained what had happened and she argued that my mother wasnt an employee because she was receiving severance pay and wouldnt accept the documents. How was this legal since they approved my loan 2.5 weeks ago but now werent going to finance me based on ACCURATE information. After speaking with Exeter, I called the dealership back to let the finance guy know what was discussed. He wasn't available so I left him a message. The following day, I had to swing by the dealership to pick up my executed contract because they forgot to give it to me when I picked up my temporary tag. They didn't mention anything about the financing issue and I never heard back from either of them so I assumed that it was resolved. That was anything but true. On XX/XX/17, I received a notice in the mail, from Exeter Finance dated XX/XX/17, stating that they received my application for automobile financing and were unable to approve my request. This made ABSOLUTELY no sense. I was already approved for financing, through Exeter Finance, on XX/XX/XXXX. How was I allowed to drive off the lot if they didn't approve my request? Mind you, this notice was sent almost a month after purchasing my vehicle and my first payment was to be made on XX/XX/2017. I also never received a contract from Exeter Finance outlining the terms of my loan. The only documents I signed were those at the dealership. With that being said, I would like a copy of my loan agreement with Exeter Finance for my records and for review and an explanation for the denied financing.
Product: Debt collection

I received a letter from this collector - LINEBARGER GOGGAN BLAIR & SAMPSON LLP. Another similar collector I saw here in CFPB - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attorneys they say. So, I received a letter, telling me that I owed XXXX dollars. I may be sued. It does n't say why, where, when, or how. It says, pay or lawsuit, ridiculous. I try calling but automatically I am placed on hold for more than 30 minutes. Actually, I first waited 37 minutes. Then I waited 33 minutes. Also, the title on page says that I am receiving the letter from XXXX, CO. But it says to pay at LINEBARGER GOGGAN BLAIR & SAMPSON LLP in XXXX XXXX, TX. 
This is a collection I am sure. It is ridiculous and absurd. I HAVE MEDICAL INSURANCE, XXXX XXXX. I never received any bills for this. It was converted to collection apparently. Since I have insurance, XXXX XXXX, they 'll usually cover any fees. Apparently, a collection company is attempting to collect false billing charges, otherwise, I would have received a statement, and I would have reported that to my insurance, XXXX XXXX. More, in the letter I received, I noticed that it only has a title on top of page, Attorneys, address from where it came, and a phone to call where no one bothers to answers but it says, leave a message. Of course, the call did n't work remember. Besides that, nothing else other than, lawyers may sue unless you pay. It is a lousy tactic of course. I have insurance with XXXX XXXX, so this should never have occurred. Happy to meet you in court if you refuse to remove this bill or you refuse to contact whoever tried to make the false claim. My insurance will always pay for any medical bills, why else do I have XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that i did not authorize, made by the following companies in Identity Theft.i did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Payday loan, title loan, personal loan, or advance loan

My name is XXXX XXXX it has been years months and weeks y'all account hasn't been added to my credit report yet please help me account email is XXXX I still need help my issues aren't resolved I can't get in touch with y'all by email or phone call and y'all not responding to my emails please readd it to my ssn because it's not on my credit report still etc.Update I cant get ahold of I have found your account and it shows that the {$100.00} loan was paid off early- is this not showing accurately on your credit report? The SSN we have end in XXXX- is that correct? Please reach out to XXXX to get this issue resolved- I will help you with next steps! I cant get ahold of the person below or they wont respond to my emails I sent them please help me and resolve my issue and fix my issue etc.
Product: Debt collection

Received multiple calls and letters from XXXX XXXX XXXX naming the creditor as Pendrick Capital Partners LLC. It was in regard to a debt for {$710.00}. My POA sent a request for debt validation on XX/XX/XXXX. It's ben over 30 days and didn't receive anything in the mail. I was then contacted by XXXX XXXX XXXX once again letting me know they received the debt validation letter from my POA and was trying to get me to settle a debt that is not legally collectible. My POA called on XX/XX/XXXX at XXXX XXXX cst and got disconnected. She called again at XXXX cst and spoke with XXXX XXXX He told her that they never received the debt validation letter. And that he could mail her one out. She asked for the date of first delinquency ( DOFD ) and XXXX XXXX stated they did not have the DOFD. He stated that the service date was XX/XX/XXXX and that they received the file on XX/XX/XXXX.
Product: Prepaid card

I work for XXXX from time to time and use their XXXX XXXX ( XXXX ) to receive my payments. I've been noticing that funds where not adding up correctly. My wife informed me to check my transaction and I found out that I had several charges being deducted from my account from " The XXXX XXXX ''. I've never heard of them in my life. I called customer service on XXXX to inform them that my account has been hacked and to dispute all of the charges. They had me change my password, deactivated my card and charged me for a new replacement card. They informed me to fill out a dispute form and they will investigate with XXXX business days. 

I continue to XXXX and keeping the funds in my account. I have yet to receive my replacement card and I noticed that my funds was taken again on XXXX. I called customer service again asking them " How can they continue to take money from me when I do not have a card? I believe this is someone that works within the company that is hacking my account. '' They continue to ask me to change my password and transfer my remaining funds to another card and they will investigate. 

I just received an response today ( XXXX ) informing me that it is my fault that my account was hacked and I would not be refunded for the funds taken from me since I did not reach out to them in XXXX, XXXX  when it first happened. I informed them that I just now looked at my transactions and noticed that they have been taking small amounts from me until now. How is that possible for me to be held accountable for my account being hacked. I have attached all communication and charges taken from me.
Product: Debt collection

In XX/XX/2021, I received an email from a business called XXXXAFFIRM, INC ' stating I owe a balance of {$120.00}. The email said it was an XXXX purchase so I sent a 'stop-spoofing ' email to XXXX. 
The emails continue to come and always address 'XXXX  ', and my name is not XXXX XXXX I have responded by email letting them know I do not know anything about the debt. I am now getting emails from a collection agency, XXXX, stating I owe the debt. I have contacted XXXX  and have also mailed a complaint to Affirm. 
I have also mailed and emailed a XXXX.
Product: Debt collection

On XX/XX/XXXX  I received an email from Affirm Holdings congratulating me for a {$110.00} buy now, pay later loan. I never initiated the loan or have ever contacted this company. Although I thought this might be spam or a phish, a review of the mail headers clearly indicated that the mail originated from valid Affirm mail servers. I immediately contacted Affirm via the phone number on their website and explained the situation. The representative assured me that no loan had been opened in my name and that the email was likely a phish. When I explained that the email headers pointed to their valid servers, he alluded to the fact that they may have had a data breach, so I let it go. 

Emails from Affirm regarding this loan continued for another week. I contacted Affirm again on XX/XX/2023 to ask why I was still receiving emails about this matter if an account had not been opened in my name. This time I was told that an account had been opened in my name using my email address and date of birth. When I asked what other information had been used to verify my identity, I was told they could not share this information with me. I asked to speak to a supervisor who said she would open a case related to identity theft, but that I would need to wait 3-5 business days for someone to reach out to me. I agreed to her request. I filed an identity theft report with the FTC and a police report with the XXXX Police for fraud and identity theft. 

I contacted Affirm a third time on XX/XX/2023 as no one had reached out to me after 21 days, much less 3-5 days. I was told by a representative that she could not provide any additional information, but that she would escalate the case, and that I would need to wait an additional 3-5 days. As of XX/XX/2023, no one from Affirm has contacted me regarding the fraudulent loan. 

A review of the CFPB complaint database shows numerous complaints regarding Affirm that followed an identical pattern to my own. The pattern is as follows : 1. Fraudulent account set up with Affirm using limited information to protect against identity theft.

2. Victim contacts Affirm and is told to wait 3-5 days for an internal investigation. Victim is not contacted.

3. Victim calls Affirm numerous times over the course of weeks, each time being told they need to wait 3-5 days for an internal investigation. Victim is never contacted.

4. Affirm writes off the loan and turns the victim over to debt collection.

5. Debt collection reports delinquent loan to credit bureaus and victim 's XXXX  score is affected.