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

I XXXX XXXX XXXX am writing to address significant concerns and harm being caused related to potential violations of the Fair Credit Reporting Act ( FCRA ) and Privacy Act of 1974 ( 5 U.S. Code 552a ). KIA FINANCE AMERICA and the credit reporting agencies XXXX, Equifax and XXXX are not adhering to these standards. Citing 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

Citing 15 US Code 1681a ( d ) ( 2 ) Exclusions ( A ) ( i ) the term Consumer Report does not include any report containing information soley as to transactions.

Furthermore according to IRS law, a charge off is considered a certificate of indebtness and is considered income and therefore can not be reported.

If you decide to not update my account then I will be forced to enforce my rights under 12 CFR 1016.7 stating that " A consumer may exercise the right to opt out at any time. ''
Product: Credit reporting or other personal consumer reports

On XXXX, XXXX and XXXX there are XXXX amounts listed on my credit report : XXXX ) for {$3200.00} listed as a charge off for XXXX Citibank and XXXX ) for XXXX ( XXXX XXXX payments on account ) listed as collections. But Both are for my original XXXX Citibank account ending in XXXX, except XXXX XXXX, the credit agency for Citibank, shows the collection account ending in XXXX. 
I want the original Citibank amount removed since its collection agency is collecting it now per a payment arrangement. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Wednesday, XX/XX/2023 I tried various times to verify my identity with TransUnion through XXXX in order to have my credit report released to a prospective landlord. TransUnion was unable to verify my identity online and upon calling the TransUnion shareable for rentals line at least 5 times over the course of two days ( encountered a staff member mysteriously going quiet while the call continued for 5 minutes in the middle of verification process, etc. ), they were again unable to verify my identity. When I brought it to their attention that the verification questions continued to show no relation to me they suggested I request my free credit report, which I did. Upon reviewing my credit report, the credit report appeared correct and also showed nothing that would cause the verification questions to present as they did. On Thursday, XX/XX/2023, I called the TransUnion consumer support number as the TransUnion shareable for rentals number could be of no further assistance and was able to pass the verification questionnaire as it finally brought up one question that asked about a family member and was told that my identity had been verified for the rental application. However, when I logged back into XXXX the following day, Thursday, XX/XX/2023, the problem persisted. I then called XXXX and was directed back to TransUnion a final time at which point I brought it to their attention that there was something wrong with their system. In response, I was told that nothing was wrong with their system, rather, I must not be who I claim I am after having failed the verification questionnaire for a ninth time.
Product: Mortgage

I had an outstanding home equity loan ( HEL ) with Citibank and was about halfway through the payment cycle. However, in XXXX, I declared bankruptcy and the property that the HEL was held against was foreclosed upon by the private mortgage note holder. Since I have no other property ( real estate or personal ) that could be used as collateral, I requested that Citibank remove the lien from my credit report ; per their XXXX XXXX XXXX letter, I can request that since the property is in a foreclosed status and I have no other assets they can claim. I wrote them on XXXX XXXX, XXXX but have not heard back. I contacted the New York XXXX but CitiMortgage refuses to provide them any information.
Product: Credit card or prepaid card

****STOLEN IDENTITY**** I take Pride in keeping my accounts in good standing and keeping my credit in good standing and i will NOT allow anyone or any company to damage my credit score. At least a week ago when i found out that my identity was stolen i was advised to contact the Merchants i do business with to close any accounts and cards i have. I contacted Avant Credit Card Company and advised them that i was informed by XXXX XXXX Bank that my identity was stolen and someone had opened a bank account at XXXX XXXX Bank. Instead of Avant closing the card and closing the account and sending me a new card like the Bank and other Merchants did they left the card and the account open putting my identity in more danger because i have no idea who may have my identity or what information they may have. On XXXX i received an alert that someone tried to make a transaction using one of my cards. I alsp received an alert from XXXX that Avant had reported my account as 30 days past due which was a LIE. The person i spoke to XXXX  then told me there was never a fraud alert put on my account. They accused me of lying about my identity being stolen then told me to send in who stole my identity. If i knew that i wouldn't be reporting my identity as stolen snd CLEARLY they don't know what STOLEN mean. I had no problem with the Banks or any Merchant i called put me thru XXXX or accuse me of stealing my own identity which is ridiculous. Avant is more worried about old transactions that i made months ago then someone stealing my identity. 


I also made 2 payments which i've included that Avant still wouldn't update my account to a current status. I also included a screenshot from my credit bureau account.
Product: Credit reporting or other personal consumer reports

As of this date I have pulled all financial power of attorney from Navy Federal Credit Union ( creditor ) with my attached POWER OF ATTORNEY REVOCATION Form attached that was recognized Signed & Notarized by XXXX XXXX for the state of XXXX As the principal of this account I have signed and do now pull all Power Of Attorney From Navy Federal Credit Union ( Creditor ) . This account is now closed to creditor.

This Alleged Creditor Has Never Once Provided : 1. Chain Of Assignment Or Change Of Assignment 2. Date Of First Delinquency 3. Date Of Late Payment!

4. Or Proof Of Ownership Of This Alleged Debt
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 my Credit Score dropped XXXX, TD Bank XXXX XXXX is reporting false on a account thats on auto pay & the balance is decreasing every month
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an incorrect address as XXXX XXXX XXXX XXXX XXXX ct XXXX. I 've never lived there and never had anything associated with that address. I want it removed immediately
Product: Debt collection

Upon purchasing a home a contracted on XX/XX/XXXX with XXXX XXXX XXXX to set up a home security monitoring system including installation of equipment and ongoing monitoring services. XXXX set a date to send a installation of equipment and on such date nobody showed up provided and install any of the required equipment. No notice was provided by Brinks about this no-show or intention to reschedule. A second attempt was made to reschedule and XXXX again failed to send someone to appear for installation. After this second failed attempt I called XXXX service hotline and spoke with a representative to notify them of 2 failed appearances and my request to cancel the Agreement. This was confirmed and affirmed by the customer service representative. I later received an invoice for the initial month of the Agreement even though equipment was never installed. In response I sent an email to XXXX on XX/XX/XXXX notifying them that I already canceled the service per the terms of the Agreement ( Section 3 of the Agreement allows customer to cancel within 90 days ). I also reaffirmed my decision to cancel in this email ( written within 8 days of the contract execution ). 

In XX/XX/XXXX I received a notice of collection by a debt collection agency seeking full payment and nearly 100 % charges in penalty related fees ( totaling {$530.00} ). I responded with documentation including the contract, explaining the failed service, highlighting contractual terms allowing for cancellation within 90 days, and providing evidence of my cancellation attempts. Since this reply, the collection agency ( McCarthy, Burgess & Wolff ) has persisted in pursuing collection while not providing any basis for the charges and responses to my questions as to the validity of such. I wish to no longer be harassed with collection efforts
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. the company has also NO permission to report ANYTHING using my information pursuant to 15 USC 1681 4 XXXX  XXXX  XXXX FOR {$680.00} XXXX XXXX XXXX XXXX {$550.00} XXXX  FOR {$680.00}
Product: Prepaid card

I hope that this email finds you well today. Please be advised that a copy of this communication has been sent to XXXX XXXX XXXX, XXXX, Bank of America in addition. 

Kindly be advised that I write today as a highly distressed customer of Bank of America ( and now continually awaiting approval of my IRP request additional compensation approval with XXXX XXXX ), as I continue to await the final approval of the Additional Compensation requested due me for financial harm experienced as a result of the Bank of America Prepaid Debit Cardholder grievances and related issues revolving around the mishandling of my ( and others ) prepaid debit card and fund availability during the COVID-19 pandemic as attached herein with my application for said Additional Compensation. 

Urgently be advised that I have explained that the documents Ive already uploaded must suffice, as the documentation being requested is several years old and I am no longer in possession of such documents. The handling of this matter has thus far been egregiously unacceptable meriting urgent resolution from Bank of America senior management prior to any and all aforementioned actions. 

Please be advised that I have also uploaded the following information for immediate processing and approval : I. Loan statements reflecting significant interest and fees accrued during said time period ; II. Eviction / past due rent Warning for XXXX XXXX XXXX reflecting over {$7000.00} in past due rent ( which remains unpaid due to severe financial hardship as a direct result of this matter & my BofA Prepaid card funds being inaccessible during this time ) ; III. Letter of testimony describing in full narrative all past due obligations during that time noted XXXX XXXX XXXX, including attached medical bills, additional fees/interest and multiple past due medical bills for utilities during said timeframe.

IV. Further credit card statements which I am have provided, which reflect exorbitant interest and fees ( and past due status ) during the aforementioned timeframe of XX/XX/XXXX- XX/XX/XXXX. 

As noted, to date I have submitted all of the information which I have on this matter, as this issue dates back 3-4 years with much of the documentation absent as a result. The continued ignorance of my claim is unwarranted and demands immediate attention.

Kindly escalate this matter urgently to the processing Administrator within Bank of America for immediate approval of this request, and thank you kindly in advance for your continued assistance. 

Kindly note that to date, I have provided an exorbitant amount of information for this matters immediate resolution and I request urgent expediting of the approval of the additional compensation requested as noted in the attached herein. 

Kindly contact me at your earliest convenience to ensure this matters most immediate resolution at the present level ( prior to the potential retention of consulted Counsel in this matter and news media engagement ), and thank you kindly in advance for your expedient response regarding this ongoing and challenging matter.
Product: Checking or savings account

On XX/XX/year> my business account at Chase Bank was shown overdrawn by {$260.00}. I went in to deposited the exact amount at XXXX to cover the negative amount and tried to close the account. I was notified the account was restricted and need manager to deposit the money. I have receipt for the deposit and they told me the account would be closed. However today i see at my online chase portal the deposit amount is not showing and again i am negative for the same mount. I deposited cash and did not received any hold notices. They never notified me of any hold on any deposit and tell me it will be on indefinite hold until they are reviewed and released by internal team. This is a violation of Reg CC funds availability act.
Product: Credit card or prepaid card

I XXXX XXXX entered into a consumer credit transaction on XX/XX/2019 where CAPITAL ONE AUTO FINANCE took the alleged ASSIGNEE role in this transaction. With this consumer credit transaction that took place there was a finance charge that was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Also in this transaction my right of rescission was not disclosed to me pursuant to 15 USC 1635 which goes against 15 USC 1601 ( a ) Informed use of credit. Also be advised 15 USC 1602l defines credit card as Any Card existing for the purpose of obtaining money, property, labor, or services on credit and in this case my credit card was used via my social security card for this consumer credit transaction.
Product: Debt collection

Noticed derogatory mark on credit from services I never had. Called the company and they said I had an account with an internet service I can not even obtain where I live. My social security number is linked to it. Also said that I moved the service to another address when Ive lived where I live now my whole life. Not my debt, said I could only pay the debt to get it off my credit report. Im not paying it, as its not my debt.
Product: Student loan

I graduated from XXXX XXXX XXXX XXXX in XXXX, MA. My issue with Navient continues. Today I discovered that Navient XXXX charged me on my monthly payment leaving me -900.00 in my bank account and costing me {$50.00} in overdraft and cancelation fees. When I called to inquire about this I spoke with a very rude representative who offered nothing but blame and accused me of erroneously paying XXXX. 

What in fact happened was the automatic payment plan I am in was charging my account on the scheduled date every month. When XXXX XXXX 2015 came, no payment was taken out. When I noticed no payment had been applied to my account I went online to make a payment manually on XXXX XXXX. I did this and thought everything was taken care of. I checked back in a few days to discover that still, no payment had been applied to my account. I called Navient to get to the solve the issue and I was told that the account information I used when I paid manually was from an old account, which explains why my manual payment did n't go through. I was assured I could pay over the phone with the correct account information and it would be instantaneously applied to my account. I gave her my debit card information and the woman I was speaking with charged my account right away. However what the woman at Navient failed to mention to me was that they were still going to charge me using the automatic, reoccurring payment system. Today I woke up to find my bank account severely overdrawn. 

I called Navient and they refused to do anything for me other than recommend that I call my bank and put a stop payment. This cost me 30.00 on top of the 25.00 over draft fee. Navient seems to continuously keep unorganized records and has a severely scattered work flow and lack of communication with their customers. None of the departments talk to each other and they make it very difficult for me and my cosigners to set up an affordable payment system. This company needs regulations as I constantly question their operation. I ca n't have trust issues with a company whom I give over half my income to. Had I known that my reoccurring payment would go through automatically when the account information was updated, I would not have taken her up on the offer of charging me instantaneously on the phone. I feel as though I was tricked into giving them more money than I had to. I have attached a few screen shots of what my transaction history looks like in my account. Only XXXX payment was applied on XXXX XXXX, not XXXX like they are claiming.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continually updates the address on my credit report to an address that I have not used in many years. TransUnion has just again updated the address on my credit report to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX It has been at least 4 or 5 years since I have lived at that address and as far as I know none of my current creditors even have that address listed. Still, TransUnion updates my credit report to reflect that wrong address as my current address. I have called TransUnion and asked them precisely which creditor or entity is providing that address to TransUnion so that I may contact them, yet TransUnion refuses to provide me that data.

This is causing serious problems since when I apply for credit and give the potential creditor my actual address, they see the wrong address on TransUnion and do not believe me.
Product: Mortgage

We have been working with Wells Fargo trying to obtian a modification. We have been told we can afford the payments, which we have agreed, however we fell behind becuase we needed major repairs to the house. We asked for a lower interest rate we currently have a 8 %. Which has also been denied. Wells Fargo just keeps saying we can afford it.
Product: Money transfer, virtual currency, or money service

There is an existing closed complaint about this. PayPal has encumbered my ability to manage my PayPal branded XXXX bank credit account. I am blocked from logging in. PayPal will release the block for a single transaction and then they block it again. 

The illegal encumbrance also prevents me from managing my PayPal account. 

The CFPB will ignore the content of my complaint and send a pleasant notice to PayPal. PayPal will respond in a form letter reporting that I am incorrect and that PayPal is compliant with law. 

This process is pro forma. PayPal is harassing me. PayPal is not acting in good faith. PayPal seeks to harm me and others like me as a punitive measure and the CFPB is complicit.
Product: Bank account or service

On XX/XX/XXXX I wrote a check to a man/company for tree trimming services. When I got home, my husband and I realized that the services were not rendered and called the company right away. They assured me they would be back in 4 days to complete the job. Me, kicking myself for writing a check too soon called BOA immediately ( XX/XX/XXXX ) and spoke to a bank rep who advised me that even if the check was cashed, if the services were not rendered that I could dispute the check and get my money back. This made me feel great! I could allow the merchant to make the situation right and if they did n't BOA had my back. Win win, right? Not! Well, needless to say, the company cancelled on us multiple time and never showed. I called BOA to dispute my check, explaining the situation a XXXX time I was cold transferred to another agent to explain my situation for the XXXX time and she disputed the check. Each explanation included that I wrote the check and the services were not rendered. This agent advised me an adjuster would reach out to me but could n't give me a time frame. She escalated me to a manger and I again explained my situation for the XXXX time. He let me know when I would receive a call. I ended up missing the adjusters call and it took, yes 3 times of me calling and leaving messages before the adjuster called me back. She told me since it was not a fraudulent check there was nothing she could do and BOA does not have a dispute process. Wait.. What? Why would so many before, including a manager hear my situation and still go through with it. I did n't buy it, so I went to my local branch. After spending some time with a banker there, he called someone who was n't able to do anything and also asked the manager for help and nothing they could do. Here I am, out {$550.00} dollars, countless hours on the phone with BOA reps and in your branch and clearly you can come to my house and see services not rendered and BOA is n't going to advocate for me! No doing the right thing or in any way trying to help out a customer now sitting in front of them completely distraught by the situation? I realized I was on my own and I was just a number to BOA, my accounts meant nothing. I decided there, if BOA did n't want to have my back, be my partner and help me then I needed to close my account. Now I have had a BOA account since I was XXXX years old! Yes, XXXX! My savings account, I have had a check and credit card since XX/XX/XXXX. I am loyal customer who pays on time and is never late. I have had CDs and money market accounts all upholding my end of the deal. I was about to start in stocks and trading since my father raves about BOA and that 's what he does. But no, no customer advocacy no loyalty from BOA and I felt BOA completely left me without any solution. All I needed was BOA to help me with a check and instead I received false information multiple times and complete disregard for my situation from BOA employees!