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

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX : {$120.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX  XXXX Balance : {$0.00XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance XXXX {$390.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX sent a " kill code " that destroyed my bought and paid forDVR player. I was required to purchase my DVR because XXXX said that I did n't qualify for a free one, I had to pay XXXX USD for my DVR. Not only did they kill my DVR on XX/XX/XXXX @ XXXX XXXX, there was no outstanding balance on my account. XXXX stopped providing service in XX/XX/XXXX. XX/XX/XXXX I received a bill for XXXX USD for services allegedly provided XX/XX/XXXX, how? They required me to first purchase a DVR, then killed that DVR and then charged me for services I could not have received. When I refused to pay for services not delivered, XXXX illegally turned my account over to collection which severely affected my credit score. My score dropped XXXX points.
Product: Checking or savings account

M & T Bank charged over draft fees in the amount of {$38.00} on XX/XX/2021 and XX/XX/2021 totaling {$77.00}. I had direct deposits on the same days they charged me over drafts fees which covered my balances and I should not have been charged over draft fees. 
XX/XX/2021 direct deposit amount sent for {$50.00} XX/XX/2021 direct deposit sent {$42.00} XX/XX/2021 direct deposit sent {$60.00} M & T purposely held me direct deposits as the last transction on my checking account to arbitrage over draft fees. 
On XX/XX/2021 I sent an electronic communication via my online banking requesting my 2 overdraft fees of {$38.00} be waived which M & T did not respond or acknowledge my request. 
Also I never received a overdraft fee notification from M & T Bank via mail, e-mail or phone call.
Product: Checking or savings account

I have been scammed by a company called XXXX XXXX for a data entry job. I was giving a check to deposit to my account for the equipment that the company said I have purchase once the check deposit. On the second day before the check cleared I texted my bank HSBC on their online chat, telling them that this maybe a bad check and how do I stop it from depositing or can someone help to figure this matter. The agent told me that the check was okay and it is already deposit and that nothing is wrong with the check. I told them I feel like I have been scammed and I am not sure what to do about this situation. HSBC agent never once told me or guided me about anything instead they assured me everything seemed okay. But I had a bad feeling inside, then I had turned down the offer for the position and told them I was no longer interested, the guy name XXXX XXXX from XXXX XXXX yold me I have to return the money back to the supervisor immediately. This is the third day, once the check had deposited not once the bank notified me that the check was a bad check, I never been in this situation and didnt know what to do so I rewired the money back to his supervisor for {$3300.00}. This happened on XX/XX/XXXX, and the rewire was supposed to go through by the XX/XX/XXXX the bank confirmation said. But not once the bank called to tell me that this check was a bad check. On XX/XX/XXXX I went to check my account to see the updates. That is when I tried to login into my account, and was not able to login. I called the bank after being rerouted about 12 times that is when I got of hold of someone from the fraud team and they told me that the check was a bad check and now I have a negative balance of {$3300.00} in my account which is why they closed my account. I have to now pay the bank {$3300.00} which I dont have at all.. when all this time I did this for a job. I have never been in this situation, I have been victimized in this situation and the bank is now telling they can not help me even though I have been scammed, apparently it is too late. I dont have the money or a job I told them many times the agents were not clear on their end as many times I told them I felt like this was a scam and how to handle the situation. I dont know what to do next. Especially in these hard times when I can not afford to get a job. Please help.
Product: Debt collection

I checked my credit report and a collection reported, I contacted Vance and Huffman and advised them that they where required by law to send me written correspondence after 5 days of initial contact before the collect on debt, giving me chance to dispute it.They refused to provide information.Whe just kept talking over each other.
Product: Debt collection

According to the three credit bureas the amount owed is XXXX {$1000.00} I contacted the emergency they didnt provide me with any infomation and infomred me to contact the debt buyer, I contacted the debt buyer who told me a month ago that I would received documentation for this debt within 30 days I asked the rep to provide me with proof of an itimized bill, date of service, service rendered and the physician name with my signature as a form of proof they told me all that information would be included in the documentation that I still have yet to recieve. Im convinced that this debt does not belong to me. I haven't been to the emergency around that time. Its so unfair that agencies like this exist becasue not only do they have my medical documents so to speak they have acces to my senstive information such as birthday and SSN Date opended XX/XX/XXXX Open balance XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX PHOENIX FINANCIAL SERVIC Debt Collector Last reported XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION has helped facilitate a cover of fraud for one XXXX XXXX. On my Fico report dated XXXX his name popped up at XXXX. Since that time XXXX XXXX charged off fraudulent charges starting the XXXX of XXXX. I am getting reports from XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX, and XXXX XXXX. This XXXX XXXX explains the some odd XXXX  credit report inquiries since the first of the year.
Product: Money transfer, virtual currency, or money service

Referance number/Case ID XXXX XX/XX/year> - XXXX. 

I have been victim of Scam through email since they ( scammer ) were pretending as legitimate Job offer. They asked me to pay their vendor to deliver the homeoffice stuff such as laptop, cell phone, desk. chair etc. It was remote work position and they sent me the first check of {$6400.00} ( turned out to be returned later ) and asked me to deposit the check via XXXX XXXX XXXX XXXXXXXX XXXX ) mobile app immediately. Which I did rightaway. Next morning which was Saturday XX/XX/year> I rushed to XXXX XXXX XXXXXXXX and performed the wire transaction of {$6500.00}. Next week Monday evening I noticed this job offer is scammed and XXXX XX/XX/year> reported to XXXX fraud department to halt this wire transaction if possible. In the meantime the Funds were went out from my account and deposited to scammer account in Wells Fargo. I opened the case with XXXX and they reached out to Wells Fargo on XXXX XXXX and Wells fargo still working on this issue/case as of to date. My point is kindly reach out why XXXX took few day to inform the Wells Fargo about the scam transaction Secondly, Please ask the Wells Fargo to provide the update on progress of the case. XXXX sent a reminder to XXXX XXXX on XX/XX/year>. They have not heard back anything form Wells Fargo. I am still unsure that the Funds will be recovered or not? I would be appreciated this effort from your end and hoping will get something in favour. 

Referance number/Case ID XXXX XX/XX/year> - XXXX.
Product: Credit card or prepaid card

My PNC XXXX XXXX card was closed without my consent. They stated my account was under review. I can not access any of my funds for bills and upcoming rent payments. I can not review my transaction history or Balance. They stated there is no time frame on when the review will be complete. It is really an inconvenience for me. They stated an ach payment had the wrong titling information but all my deposits Ive received were correct. I had an ach payment for a loan that I received back in XXXX and they are just now reporting this issue this month. It was strange how I called in because a transaction was declined and I called to see why and the lady had me on hold for over 10 minutes. She finally got on the line and stated I reached my daily spending limit and not 30 min later my account was closed and under review smh. I have all of the information I need to show that all the money In my account belongs to me. Loan documents etc. Each representative doesn't know why there is no time frame on this review and I was told I had to go into the bank so they can call an internal review line and when I did go into the bank the rep called and the lady stated all the money in my account was under review and I could not access it under the review was complete. I need this process to be completed as soon as possible. It is really XXXX to just flag my account for no reason.
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. 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 inructions 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 card or prepaid card

The payment process from Kohl 's is very shady. I have had an account with Kohl 's for over 10 years and never had a problem with payment. My account is paid by Autopay and was just recently informed that you have to update your autopay account with they every few months or they will not pull the payment. This is a very shady practice since " no company '' with autopay makes you update your bank account information. I also have not been receiving my account statements so I was not aware of the issue until I was almost 60 days late and then they called me to tell me they were putting me into collections unless I paid the balance. The bank account that I use to pay this account is one of several accounts so I did not think to check it to verify since I thought they would just remove the payment. This is a very shady practice to not only collect late fees but also interest. I paid the full amount and they credited my account for the late fees but not the interest and also added a 30 day late to my credit report. When I requested that they remove the delinquency from my credit report they told me that the info is correct and they will not be clearing it. 
I am not the only one that has had this issue. My XXXX   also said that she was charged a late fee and called about non payment as well and I am sure that many others have had the same thing happen. I think this needs to be investigated. 
Also want to mention that when the rep called me to make payment he used my bank account on file to pay off the amount owed. If they have that information why didn't they just pull the funds and not cause me to have a late payment and also ding my credit report. ( Seems to me this is a way for them to collect additional fees and interest )
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 Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX  Account # 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 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: Checking or savings account

On Wednesday, XX/XX/year>, I accessed my account with Capital One and there was an incorrect amount in my checking account which amounted to my correct current balance plus my paycheck amount. However, my paycheck was not listed in my transactions. Later that night or the next day, the amount equal to my paycheck was gone from my available balance and also there was no transaction listed of my paycheck being deposited. I contacted CapitalOne to advise them of this and they did not respond ; I only got the generic email that they were having technical issues that, they advised, would be corrected by today, XX/XX/year>. They have not been corrected. Therefore I am filing a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
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 : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX5 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 XXXX 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

In accordance with fair credit reporting XXXX  account ( s ) numbers XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX, ( Original Creditor : 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 states a consumer reporting agencies can not furnish a account without my written instructions
Product: Credit reporting

My Husband & I Are Disputing An Item On Our Credit Report ... It 's A Judgement That Was Apparently Granted But Neither Of Us Knew About It And Was Never Served. We Request That Item Be Removed From Our Credit Remove. It Was Not Served To Us, We Are Are Unaware Of This, Plus We Are Unaware Of This {$12000.00} Debt.. It Is Fabricated. Please Remove And Contact Us. Thank You Very Much.
Product: Credit reporting or other personal consumer reports

This is the second complaint I am filing against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 48 hours, stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 1681i, which mandates a responsible investigation of disputes. Furthermore Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ) as highlighted in the CFPB 's recent administrative proceedings ( File No 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. I requested physical proof that these accounts belong to me and Experian has continuously and fraudulently responded within 48 hours stating that these accounts where verified.

The Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692g requires debt collectors to provide validation of a debt when a consumer disputes it.
Product: Credit card or prepaid card

I have a credit card that is owned by my ex-husband and I am secondary on the account. As part of our divorce decree, he is responsible for any debt incurred after XX/XX/2017. Since that time, I have contacted USAA Federal Savings Bank multiple times to request that my name be removed from the account, with no success or explaination as to why this is not possible.
Product: Student loan

I am a XXXX. I understand that I may be eligible to have some or all of my student loan balance forgiven based on my payment history and years of service. I have repeatedly requested my payment history from Navient but have not received a clear breakdown. I know I made multiple payments then put the loans into forbearance when my spouse left and I was supporting my XXXX children. I believe if I am not at the ten year payment requirement I am close.
Product: Credit card or prepaid card

*Date of opening XXXX or XXXX of 2021 *Amount charged on temporary card XXXX dollars total. 
*They never sent a bill/statement or actual card *They charged interest and late fees without me ever receiving a bill or the card. 
*Opened a Synchrony Bank Card at the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. 
*They put the incorrect address on the account. 
*They never sent the card to me in the mail, because they failed to use the change of address paper card that the State of Maryland Provides to drivers. I provided it to the person opening the account. 

*They instead used the address on the license, even though I specifically gave them the correct address and the paper change of address card. 

*They put late fees and interest onto the account and I never received a bill, or a card not even through email, because they failed to put my email address in correctly. 

* I had to XXXX the name of the bank that does business with XXXX XXXX and on my own make 8 different phone calls some of which they still did not do things competently.

I immediately attempted to pay the card in full with my Bank Debit Card.

The customer service representative said my debit card would not go through. I called my bank, who said that the reason the card did not work is that the Synchrony Bank representative entered in the wrong security code. So I had to call back again to explain again that their mistake was costing me time and money. I was transferred to several people and finally, they entered the card incorrectly. It was as if they did not want me to pay it off or close the card. They have been completely incompetent in my case. 
I paid the card off and closed it. Because of their mistake, I was charged interest and late fees. 
*They removed them, finally, but it still hit my credit report according to them. 
* They have also made me call back multiple times to get the interest taken off ( They had to wait until it posted ), then they told me it did hit my credit report and offered no solution for them to fix it. Also, they are making me call back again to get the refund check of the interest. 

*This is a total disregard of my time and they obviously think it is ok to make the customer suffer for the actions of their staff in the stores who do not know what they are doing. They offered no real solutions to take this off my credit or to easily fix their mistake. They impacted my time, my money, and my credit and it was all their mistake. 

* They charged me without ever sending me a bill and I waited and waited until one day I had to look up the bank myself and ask them what was going on. Ridiculous! I do want this removed from my credit and I think their practices should be examined. 
I still have to call them back one more time to get them to mail me my money. It is a total sham and I believe most people would have given up on this by now, but I want this off my credit. I think this is their plan, to keep your money and charge you for their mistake. 

I do not know what my permanent card number was. I did not receive a card, but the last digits of my social are given in the card number section.