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

My USAA online bank account was accessed unauthorized and a fraudulent external bank account, ending in XXXX, was added and verified to my account without my knowledge or authorization on XX/XX/XXXX. Two transfers of {$5000.00} were made, one into my checking and one into my savings on XX/XX/XXXX and XX/XX/XXXX. On the same days, XX/XX/XXXX and XX/XX/XXXX, XXXX transfers were made out of my checking and savings, of {$4900.00} and {$4900.00} respectively into an account ending in XXXX. I did not receive a notification that this activity was going on. The initial {$5000.00} transfers into my accounts were made from accounts that I do not use often and did not have the funds to cover the transfers. One {$5000.00} transfer was into a savings account that I only transfer small amounts, less than {$50.00}, every month. I am very disappointed with USAA for not seeing that a large transfer into and out of my account that I don't actively use was made all in one day. That should have been an automatic flag but no response from USAA. They had the nerve to say there was no fraudulent activity and the transfers were my responsibility. I had to call to get this information about my account because USAA had not sent any correspondence or made any calls to me. I have been calling everyday to tell them what they should already know that my account had fraudulent activity. USAA reopened my case and I am waiting again to see what they will do to recover my money. I put a fraud alert on my credit file and submitted a claim to identitytheft.gov as well. I don't know what else to do. please help
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 XXXXXX/XX/XXXX
Product: Debt collection

this is debit that is not mine and was suppose to paid by the company. I get this call from someone claiming to be with XXXX XXXX XXXX about a bill that I do n't owe and I believe that it was a scam call my wife asked what this was about and she wont tell her anything and the was very rude and I called back the person name did sound like a real name the name of a new reporter on tv. and I wont paid the that amount for the cell phone that I do n't have and was the company paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working with a mortgage lender to apply for a new mortgage loan. When the lender pulled my credit score from Transunion, they disseminated this action and information to dozens if not hundreds of predatory third parties. I was already on the opt out list, and there is no way to reaffirm this opt out when the credit is pulled. The next business day I received 47 unsolicited sales calls during business hours while at work. Several of these individuals became hostile when i told them I was not interested and asked them not to call back. 

47 calls over 7 hours is nothing short of harassment and i have no idea how its not illegal. Pulling my credit is a necessary, unavoidable step in the mortgage process. To have my credit score held hostage by a defacto agreement to phone harassment is criminal. 

Further, the majority of these callers were not actual lenders but third parties who would then shop my information and subject me to more calls. They are not beneficial services as transunion claims, but predatory companies calling from spoofed numbers who rely on consumers being confused and overwhelmed.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA. ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

My son has several student loans thru Navient ( formerly XXXX XXXX ) which I am a co-signer on several of his loans. I have paid on these loans for years b/c I always wanted to be able to pay for my kids education and in previous years he could n't afford to pay. We have been in a rate reduction plan the past couple of years with them and we have never missed a payment. This plan has to be approved each year. Since last year my sons salary has increased slightly by about {$10000.00}, but so has his expenses with a mortgage, car payment, and XXXX child XXXX XXXX ). My payments were {$520.00} per month. In renewing for this year Navient is asking him to pay {$980.00} month. His income did not double, his family is larger, his wife 's hours have been reduced. And they will not come off this rate per month or try to work with us. I feel like they do n't want you to pay them back sometimes. We have always paid and I 'm trying to pay them now and they do n't care. Seems odd that it would be this difficult to make payment arrangements when more student loans are being defaulted on everyday, more than ever before. Wish I had other options. We are a struggling XXXX family trying to do the right thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have lots of inaccuracies reporting on my credit report which I have tried to solve with Experian. I have sent in two letters but they have not corrected anything. 

Firstly, my personal information is totally wrong even a different social security was showing which I did not recognize. I have also pointed out the addresses and variations of my name to be corrected but it stayed simply unchanged. 

I also have sent in a letter for the items showing that are erroneous but there was no investigation done because everything stayed unchanged from the initial way of reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX  Account # 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: Credit card

In XX/XX/XXXX ( I 'm not sure of the exact date ) I received a letter from Citizens Bank saying I owed {$11.00} on a credit card I had canceled approximately a month earlier. I was told Citizens accepts charges on a canceled credit card for 30 days after cancellation. On XX/XX/XXXX I paid the charges ( facilitated by the bank branch manager who also said she overnighted it to the CC office. ) In XX/XX/XXXX I received a bill for {$1.00} with payment due on XX/XX/XXXX. I inquired ( with the same bank branch manager ) about the charge and she could not give me a satisfactory answer. She called Citizens CC number, spoke to a person who said I needed to pay the penalty. The reason : the {$11.00} payment was received on XX/XX/XXXX therefore incurring a charge of {$1.00}. Yet the bank check for {$11.00} was dated XX/XX/XXXX and I was told it was sent by overnight mail to the CC address. The Citizens branch manager handled all the details including calling the CC center to ensure that her actions addressed the issues both in XX/XX/XXXX and in XX/XX/XXXX. Questions were not answered : why the {$1.00} charge on a payment facilitated by a Citizens representative based on instructions from the Citizens CC person, why did I not receive any communication from Citizens until XX/XX/XXXX ( they said they sent monthly bills to my old address yet these said bills were never forwarded by the post office nor did the new homeowner bring us the bills - friends bought our house and they periodically hand deliver mail meant for us ). Also troubling, the branch manager at one point responded to the CC person, " I know we 're on the same team. '' I am troubled by a charge appearing almost 7 months after the CC was canceled and 6 months after I paid the remaining balance on the card per the exact instructions and facilitation by 7 the branch manager.
Product: Payday loan, title loan, or personal loan

PNC refused to accept a signed Form 3508S in XXXX. Then eight weeks later wants it resubmitted using a portal and not the Approved SBA form. The Treasury Secretary said in XXXX https : //home.treasury.gov/news/press-releases/sm1187 Therefore, we encourage businesses to file for forgiveness as soon as possible. 

Todays guidance provides taxpayers with greater clarity and flexibility, said Secretary XXXX XXXX XXXX. These provisions ensure that all small businesses receiving PPP loans are treated fairly, and we continue to encourage borrowers to file for loan forgiveness as quickly as possible. 

In XXXX, PNC said it was not ready. 

PNC alleged my loan was overfunded but provided no calculation, instead, terminating access to all bankers and assigning a litigator to schedule a call only to delay that. 

Customers should have bankers answer written questions about loan allegations and provide documents not assign lawyers that raise issues a year later, as if they never read any loan application materials. 

Banks should be ready to accept forms the Treasury makes for applicable loans and not assign lawyers to defend the practice against small borrowers. 

PNC regularly obscures information doesnt get back when promised then obscures what it does. 

It ran out the clock on PPP, and I had to find another bank.

Those bankers read and pay attention and were professional and timely. The same issues PNC delays for weeks, months and up to a year and hires lawyers other banks get done in their branches in hours or days.

The loan application contains materials and documentation provided by the SBA PPP IFR, which reads You must submit documentation sufficient to establish eligibility and to demonstrate the qualifying payroll amount, which may include, as applicable, payroll records, payroll tax filings, Form 1099-MISC, Schedule C or F, income and expenses from a sole proprietorship, or bank records.

Note bank records! The qualifying period was XXXX XXXX XXXX, yet PNC tried to insist on a two month Schedu
le Cinstead of what it took from othersbank records.

It claims overfunding but wont say how much despite there being records inside its own approved application.

The Form 3508S also says it just be submitted on the instructions was done yet PNC says it doesnt have to take it, despite the treasury notice to file ASAP in XXXX on the approved XXXX form, because it isnt ready. 

PNC continues to disregard and misrepresent to the CFPB my self employment designation fir this work This work is considered self-employment under IRC 1402 ( c ) ( 2 ) ( E ) and these individuals are not employees with respect to this work.
Product: Debt collection

I requested a letter of validation with the company Americollect in which there is a signed contractual agreement from myself agreeing to a debt and to do business with Americollect. I was not furnished any proof of this whatsoever.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a data breach that Im just now finding out about. Their website says my information may have been compromised
Product: Credit reporting or other personal consumer reports

I have no business with XXXX XXXX XXXX Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions. The original account is past the XXXX of reporting according to the state of illinois
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX issued by XXXX XXXX  has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact XXXX XXXX  the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.
Product: Student loan

I was directed to a forbearances several times through out my loan woth navient increasing the overall interest of the loan and growing the loan total. Also the interest seems to build always even while repaying making it impossible to pay off the actual loan to them.
Product: Checking or savings account

On XX/XX/XXXX and XXXX, 2024, XXXX fraudulent acts were perpetrated by one individual, resulting in a {$3500.00} and {$120.00} loss from my checking account. I immediately filed a dispute with PNC Bank, the account holder. During their investigation, I received a provisional credit for the {$120.00} loss only. When their final decision was completed, I was informed that the {$3500.00} did not qualify for reimbursement due to their policy. However, to this date almost 2 months hence, the {$120.00} provisional credit was never deemed the same as the {$3500.00} loss and closed as a fraudulent act allowing me to keep the provisional credit. Therefore, the authority denied my {$3500.00} based on the amount the bank would lose, not policy or protocol. The {$3500.00} fraudulent loss was from the same individual who stole the {$120.00} from my checking account via my debit card. This act by the bank was conducted with only the intention of appeasing me by allowing the {$120.00} loss to be accepted as a fraudulent act and not the {$3500.00} loss. It was an act of prejudice and bias with only one reason my {$3500.00} loss was not reimbursed to me, and that was based on the amount of the loss that the bank would have to absorb.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XX/XX/XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, DPT EDXXXX, XXXX, US DEP ED, US DEPT OF ED/XXXX, USDOE/XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed an

d what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to
the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

"
Product: Debt collection

SPRINGLEAF FINANCIAL REFUSES TO PROVIDE VALIDATION OF THIE DEBT IN WRITING TO ME AS REQUESTED VIA FAX, TELEPHONE AND EMAIL. THEY FAIL TO PROVIDE INFORMATION CONCERNING THE INSURANCE THEY COLLECTED ON THIS ALLEGED DEBT. THEY HAVE N'T RETURNED THE TITLE TO THE XXXX XXXX XXXX XXXX THAT WAS USED TO OBTAIN THIS DEBT. THIS DEBT SHOULD N'T BE REPORTED ON MY CREDIT REPORTS.
Product: Debt collection

This company called XXXX XXXX XXXX is trying to collect money from me and has put a negative item on my credit report. They say that the original debt is from a hospital in XXXX  from XXXX  but I have never been to a hospital or any medical facility in XXXX  and I was living in XXXX XXXX XXXX XXXX not XXXX. 
I have disputed this with the bureaus and the company itself to no avail.
Product: Debt collection

This company calls my phone dozens of times per day. They refused to tell me who they are and they never leave voicemail messages with contact information, they just call repeatedly at all hours. When I try to block one of their numbers, they call with many other numbers. They are consistently rude when I ask for identification information, even hanging up on me and then someone else calling back minutes later. I finally got one person to tell me the name of the company and call-back info after I had confirmed with the original phone company that the bill came from, but before then I did not have a good way to verify who they were or that the debt was legitimate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I made my payment over the phone and on time however the person I was speaking to input the numbers incorrectly for my account snd it caused the payment to not go through. They never called me or anything, but h realized within my 10 day grace period that it didnt go through and made the payment once again.
Product: Money transfer, virtual currency, or money service

I searched for and purchased an XXXX XXXX XXXX from XXXX He used XXXX dor his business host, and Pay Pal to defraud me. <P/>The price was {$190.00}, and a supposed promotion for the grand opening of his new online store. <P/>I received a confirmation of order and a request to pay. Because the company was in XXXX, I chose to use Pay Pal as they are ALLEGEDLY more secure and you have fraud protection. The seller sent me an email with the email to use for the Pay Pail payment, and I did. <P/>The product was updated to " awaiting shipment, '' but was never shipped. NOW the business page is down, XXXX XXXX has been useless, and Pay Pal even more so. <P/>I have TRIED to file complaints and Disputes, but have had no luck with either. <P/>The seller used two emails. One was XXXX and the other was XXXX His web page was XXXX Neither XXXX nor PayPal will provide me with any more information with which to track down the seller. <P/>The funds came from funds held in my PayPal account. <P/>I have saved all correspondence from the seller.
Product: Debt collection

I check my credit report and notice a item from Portfolio Recovery with a alleged debt for {$430.00} that i do not owe.i sent them a letter on XXXX XXXX concerning this item and with a list of things that i am asking to return to me about this account.I have attached a copy below of the letter that i sent for review.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted the following companies any permissible purpose. They are in strict violation of this code. I need these account ( s ) removed from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. The FTC is a legal criminal report and I'm filing it under penalty of perjury which I am sending together with this letter. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report immediately. I did not authorize or open these accounts, and I am unaware of their origins. Pursuant to USC 1681g, I am formally requesting their removal within 15 days. Relevant documents are included for your review.
Product: Debt collection

Representative from Heights Financial in XXXX, TN continuously threaten to sue me have sent me Attorney letters, discover my personal information to several 3rd parties after my hours were cut due to covid 19. I onky make {$900.00} a month and today I received an attorney letter saying I had to pay {$1700.00} in full in 10 days or else. 

A rep from Heights called me asking about my Stimulus check and was really nasty and rude to me saying things that professionals shouldn't say.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has made claims that the Bankruptcy on my record is valid and verified but refuses to send me verifiable proof even though iv requested several times! they must remove this Bankruptcy pursuant to 15 USC 1681 sub section 604 they can not furnish my acct without my written consent. And have failed to send me verifialible proof of the acct please remove it immediatley or i will pursue litigation against them under section XXXX XXXX XXXX