23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Collection USA INC Account XXXX {$4900.00} Breach of lease in AZ was caused due to domestic violence and the leasehold office allowed my ex-husband to enter my apartment without notifying me ( only on lease ). They witnessed him climbing the balcony and did not notify the authorities. The Collection Agency did not do it 's due diligence when dispute was filed. State Law ( XXXX XXXX. XXXX and XXXX )
Product: Bank account or service

XX/XX/XXXX, I opened an CD with the USAA bank. 15 years later, I call in XX/XX/XXXX, to check my account and to see how much interest my CD obtained over the years. I am then told by an employee that I have no funds in my account because I got an loan in XX/XX/XXXX. I told the employee I never signed an loan, but they fax me paper work with my signature. Although I told her I do n't recall ever getting this loan, I asked her where was the check because I never received an check. They said they would investigate. 

I call back two weeks later and they told me the check has n't been cashed, so then I request to get my money back and this is where things get sketchy. They give me the run around for two months, claiming this and that. They were suppose to put out an fraud claim, and my daughter even recorded conversations with them asking where my money was. 

Finally, I sent an complaint to the XXXX. The XXXX gave them 7 days. The CEO, XXXX XXXX, responded back to the XXXX saying, 'in my account the loan was given to me, and the funds were taken out of my account to pay back the loan. ' However, I sent an rejection to the XXXX telling them I never received an check, and that the check I was suppose to get was not cashed. If the check was n't cashed, why are n't they able to give me my money back in my account or issue me an new check? It 's because they 're stealing from customers. 

Upon searching online, I have found similar complaints from other customers within my location of who also been betrayed, lied to, and stolen from from this company. The USAA location is XXXX XXXX XXXX, XXXX XXXX Tx, XXXX
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : Charge off ; XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX Balance : {$10000.00} Collection XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance {$2300.00} XXXX XXXX Balance {$650.00} XXXX  XXXX Balance {$650.00} XXXX  XXXX Balance {$580.00} XXXX XXXX XXXX XXXX Balance {$650.00} XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX Balance {$1300.00}
Product: Debt collection

ONLINE INFORMATION SERVICES placed a collection on my credit report without sendng me notification of this debt. this is a direct violation of 15 U.S. Code 1692g - Validation of debts.
Product: Credit reporting or other personal consumer reports

RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a XXXX XXXX XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, PA, XXXX Employer - UNITED STATES XXXX O Incorrect DOB : - 1994 Employer - OTHER Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Sandtander is my finance company.The very first day I got the car I tried explaining to XXXX XXXX sales person ), and the guy in finance that the mileage was all wrong. The vehicle was showing a little over XXXX miles on the dash board but my paper work was showing only XXXX. During the first of week of having this vehicle every bump I hit the all the lights would go off on the car, the head, tail, brakes and dash board. The mechanics asked to keep the car over night and that they was going to drive it home and so they did and they gave me a loaner. They tried keeping my car for a few nights. I was told to pick up the car so I did. A block away the lights all wet out again so I took the car back and when I got up there they all was very mad. So I had been calling XXXX ( the manager ), for a week so he approaches me by calling me and I told him not to approach me like that. So him and I got into a huge argument and he called the police on me and told them that he wanted me arrested. The officer told him to give me my car. XXXX told me that they was not going to honor the warranty that I had because I was never allowed back on the lot. So they would not take the warranty off my contract. I was on my way to XXXX to visit my mom when all my lights went out again.I paid out of pocket over {$800.00} to have the car towed back to Georgia. I paid over 5,600.00 to have my car rewired. and paid my car note. Soon after that my brother passed away who was not in any life insurance so me and my family had to come up with the money for his funeral and burial. So, I was speaking with a rep from Sandtander who had agreed to allow me to make a payment and the other payments would go in the rear and they would adjust my account for the XXXX that I had to pay. About a week after our agreement she no longer worked there and the company would not honor the agreement that she had made with me. Just a few months afterwards they put on my credit that I owed them {$21000.00}, it was discharged and repoed. The problem is is that they never repoed my car. I tried to get another vehicle but I could not because of the repo on my credit. About two weeks ago I was at XXXX and my XXXX year old grand daughter was sleeping in the car and the repo man had hooked his truck up to my car and my granddaughter started blowing the horn. I called the police and the police came and told them to give me my car but my grand daughter had to get out the car before they let it down. They had towed the car a few feet with my grand daughter in it, The name of the company that towed the car with my grand daughter in it is XXXX, XXXX XXXX and her phone number is XXXX. My reference number is XXXX. She called me today and said that Santander hired them to repo the car. Both of these companies has violated me. Sandtander should have never put repo on my credit because they never repo the car and XXXX should have never towed the car a few feet away because my grand daughter was in the car. I have filed bankruptcy.
Product: Credit card

i am a XXXX and make poor choices. i should not have gotten the credit cards in the first place and know i am stuck with all this debt i am going to file for bankruptcy
Product: Credit reporting or other personal consumer reports

It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a letter was sent requesting the removal and update of several accounts reporting to my credit file inaccurately. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX  ) This letter was sent 60 + days ago. Not only have I not received an UPDATE regarding the results and status of the investigation. I STILL shave these inaccurate accounts reporting to my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX XXXX was notified that my credit card was stolen out of my mailbox and that it was maxed out and it was not my fault so I did a dispute and the dispute showed that my credit card was stolen and maxed out due to fraudulent activity so therefore they even reimbursed me back the money that I paid on the payment because it was not my payment to make and that's why it shows that it wasn't current on XX/XX/XXXX and XX/XX/XXXX because it wasn't my payment to pay and the dispute came back as I was a victim of identity is theft and was not responsible for the payment XXXX indicated on my credit report as not current
Product: Money transfer, virtual currency, or money service

I transferred XXXX into my Crypto.com wallet on XX/XX/29. I have since been trying to withdraw from the wallet, however, they have restricted my account and are withholding my assets from me. The only info I have gotten is that they need a dispute withdrawal form completed in order to remove the block on my account. I have contacted the bank and they will not provide me with that letter as the account is no longer open. I just want to remove my funds/assets from this wallet.
Product: Checking or savings account

I was scammed in my card in XXXX XXXX. I was confused by the XXXX before I signed for the purchase. I attempted to go back to the business and was told they didnt know how to refund the error and they could just give me a credit. I was worried for safety and legitimacy of this, so I left thinking my bank will help me. Not sure why such a large charge was even allowed without stopping it and forcing me to verify. The claim started in XXXX and now in XXXX, the bank tells me they will not be approving the claim and that they will charge me this right before Christmas. This will clear my whole account
Product: Student loan

I 've been paying on this private student loan for years. On XXXX XXXX, 2017 I received a letter from the student loan company stating that " We recently reviewed your account and created a new payment schedule. The previous monthly payment amount would not have paid your loan in full within your current repayment term, so your monthly payment amount needed to be adjusted. '' The new amount is over {$16.00} more per month. Additionally, when I submit a payment that is over the amount due the remaining portion is not added onto the loan each month. Its simply rolled over to the next month which they then say I owe less for that months payments.
Product: Credit reporting or other personal consumer reports

This morning, I found an unauthorized inquiry on my credit report, and I have no idea why. I routinely check my report, but this time, I was shocked to see unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the unauthorized inquiry remained. This situation is extremely frustrating, and I demand that the documents Ive submitted be thoroughly reviewed so I can finally stop worrying about this issue.
Product: Payday loan, title loan, personal loan, or advance loan

Received the attached notification in the mail claiming I owe money to satisfy a debt for a payday loan I never requested or received. 

When I called NetPay Advance, they refused to tell me anything about the debt unless I provided the last XXXX of my social security number for which I declined to do, since I have never heard of this company and suspect it to be fraudulent in nature. I have also received a pdf from their fraud department via email, for which I refuse to click on to open and complete, because I suspect the document to be malicious or phishing scam. 

I have since filed a police report for identity theft against NetPay Advance with my local police department, and authorized the State or prosecute.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a complaint to XXXX that my credit reporting was not being updated. I have numerous late payments reported even though I was in deferrment. I have a statement from XXXX stating that I was in derferment/forebearance. XXXX rep took over 6 weeks to respond. She confirmed that I was in deferrment but said she has no obligation to update my credit reporting as the credit reporting was accurate when reported. The FTC advisory ( quoted and attached in this email ) specifically states that student loan creditors and other creditors must update information, regardless of whether or not it was accurate when reported. The XXXX rep I spoke to ( XXXX XXXX ) stated that XXXX is not required to follow FTC advisories. I have attached the email correspondences along with my statement from navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act Equifax has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

My Brother died in 2014. Mountain land collection is suing me for his medical debts.
Product: Credit card

Used this victoria secret credit card, which has not been used in years, was waiting for billing statement never received the statement the address they had on file was incorrect and my new address was provided when I was given credit with address being XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. They have an old email address as well when I also provided it to them, I called in to check on why I have not received a statement and the rep stated that they had me scheduled as electronic statement I advised I have not asked for electronic statement from this company and I am suppose to receive paper statements. rep on XX/XX/year> call also stated that there was no late fee and all I owed was {$72.00} which I paid in full and rep confirmed XXXX balance she also stated she will send paper statements. I have not received paper statements as they never updated new address in there system. I called today spoke to supervisor in XXXX which she also confirmed I was told I only owed {$72.00} and have a XXXX balance by there rep, she stated she will remove the late fee gor XXXX and not the other I told her that it should be only XXXX late fee not XXXX because account was paid in full. I want them to remove these fraudulent late fee charges immediatly or I will sue them fir illegal practices.
Product: Credit card or prepaid card

I purchase a hdmi cable with my best buy credit card #  XXXX . The price {$65.00}, I don '' t remember the exact date, but it was sometime before  XXXX     2017. I  was living with my girlfriend at  XXXX   XXXX   XXXX   XXXX ,  XXXX , NY  XXXX . WE end the relationship and I moved to  XXXX   XXXX   XXXX   XXXX ,  XXXX  NY  XXXX . I had forgotten about the purchase. Someone contacted me and notify me about the bill, I asked to be forgiven for the late charges and they agreed, because they said they were sending the bill to the wrong address, I when to the store and paid the {$65.00} and they give me a store credit for the hdmi cable because I never use it. I also up date my new address. All of this happen in  XXXX , a couple of months I received a bill for late charges. I paid the late charges because they were reporting it to the credit bureaus as if I was neglecting my responsibilities, and they have the product, and I have is a store credit. I had the problem  with Macy 's de partment store, but they honored their agreement.
Product: Student loan

My daughter is on XXXX XXXX with the XXXX XXXX in XXXX XXXX. This complaint relates to XXXX XXXX XXXX XXXX XXXX, the servicer of her loans, which the XXXX  has helped pay off through the XXXX XXXX loan repayment program ( LRP ). As a recruitment incentive to encourage my daughter to join the XXXX, the XXXX promised to pay off up to {$65000.00} of the Stafford Loans and PLUS Loans that she and I took out to pay for her undergraduate education. On XX/XX/XXXX of this year, Great Lakes received a payment of approximately {$9000.00} from the XXXX XXXX LRP. This was the XXXX XXXX 3rd and final annual payment, my daughter having completed her third year of XXXX XXXX in the Spring. The simple task for Great Lakes to carry out, as I explained to them clearly and repeatedly involved 2 easy steps : First, pay off the then-outstanding balance of my PLUS loans for my daughter. After several phone calls, Great Lakes finally got that step correct.

Second, I directed Great Lakes to apply the entire remaining amount of the XXXX XXXX payment to my daughter 's account for her own Stafford Loans. Great Lakes has not yet done this and now flatly refuses to so. Instead, they first applied the remaining amount to 2 other accounts of mine that are clearly not eligible for LRP payments ( they are for my daughter 's siblings ). Then, even after multiple phone conversations with them, and written instructions to them, Great Lakes applied only about half of the remaining amount ( instead of all of it ) to my daughter 's account and RETURNED the rest to the XXXX, somehow believing that the XXXX had overpaid them by that amount. Great Lakes did this without notifying me that they were going to do so, let alone getting my agreement to do so, and in direct contradiction of the instructions that I had repeatedly given them and that they had explicitly agreed, in multiple phone conversations, to carry out.

When Great Lakes advised me that they had erroneously returned these funds to the XXXX, they also asserted that they would try to stop payment on that action, but they advised me a few days later that they had been unable to do so and that, at that point, there's nothing whatever that they can do because ( in essence ) they're too big and too complicated to do something as simple as correcting an error that they, and they alone, had made. They refuse, for example, to even contact the XXXX  to get this situation rectified and they insist that our only recourse is for us to ask the XXXX  to make another payment to Great Lakes ( with no guarantee that they would apply that correctly either ). This seems outrageous and indefensible to me, particularly in light of the clear and simple instructions that I provided Great Lakes on multiple occasions, and their repeated assurances that they would apply the XXXX XXXX payment correctly. I have talked to at least 7 Great Lakes employees, including 1st and 2-level supervisors and a so-called military affairs " specialist '', and it is clear to me that further conversations with them would be pointless.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act. The last of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 Account Name... XXXX XXXX XXXX Account Number # XXXX XXXX. 
Has violated my rights. 
15 u.s.c 1681 section 602 A. 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 instruction.

15 u.s.c.1681 C. ( A ) ( 5 ) section state : 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 conviction of crimes which antedates the report by more that seven years. 
15 u.s.c. 1681 s-2. ( A ) ( 1 ) A person shall not furnish any information relating to a consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate. Iam a natural person, Iam a living human being I have the right under 15 u.s.c 1681.
Product: Credit card

I paid off the balance of my Bank of America credit card right before a scheduled 10-day trip to XXXX, because I wanted to use the credit card for my purchases in XXXX. Just as I embarked on my travel, Bank of America reduced my credit limit by more than {$2000.00}, without any warning, and in the middle of my billing cycle. Bank of America deprived me of credit during my travel and they were totally indifferent to my appeals to them to restore my credit limit. As a result, I experienced a serious shortage of funds during my travel. I was traveling with my family during the time ; by taking away my credit, Bank of America did not merely inconvenience me -- they created a real crisis that endangered me and my family. 

I would not have paid off the balance on this credit card if I had known that they would take away the credit that I wanted to make available by a repayment. 

Bank of America did extend a " temporary authorization '' of {$500.00}, but this was wholly inadequate to pay for travel expenses during a 10-day trip to XXXX. I explained this to Bank of America and they were completely indifferent to the serious crisis that they inflicted by their credit reduction action.
Product: Credit card or prepaid card

After reporting Citi 's fraudulent late charge to the relevant credit bureaus, they vindictively locked my card and forced me to call in to regain access to my account. I believe this is yet another clearly intentional and vengeful act this company has perpetrated against me for reporting their felonious activities. The company is angry they've lost a customer and are trying to attack me to prevent me from spreading the word about their untrustworthy business practices.